A Complete Guide to Car Insurance for 17-Year-Olds
High-risk claims, accidents, and dangerous driving practices are the factors involved in categorizing teen drivers as risk clients by auto insurance companies. They charge higher premium rates, making car insurance rates higher for a 17-year-old customer.
Here we help you make an informed choice about the insurance company to opt for based on discounts, your location, gender, type of car, and hacks to save money on your insurance.
Companies Offering Cheap Car Insurance for 17-Year-Olds
The average amount paid by a 17-year-old driver for their insurance would be $5401 for full coverage and $2212 for minimum coverage. Here is a list of companies with their average insurance premium rates for 17-year-olds present in most states.
Minimum Coverage Rate
Full Coverage Rate
USSA is also a prominent insurance company present in almost all the states. But only active military members, veterans, and their families are covered by USAA.
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State Wise Auto Insurance for 17-Year-Olds
Apart from age and the type of vehicle, the location of the teen driver also plays a major role in the varying insurance premium rates. The restrictions placed by the state and the population density of the place play a major role in governing the insurance rates. Louisiana, Texas, Delaware, Michigan, Rhode Island, and Newyork are among the most expensive states for 17-year-old drivers.
Here is a state-wise average insurance rate for full and minimum coverage.
Gender too plays a major role in insurance rates. A male 17-year-old pays $160 and $660 extra on average than a female driver belonging to the same age group on minimal and full coverage, respectively.
Inexperience, absence of credit history, and the statistics prove that the accident rate among 17-year-olds is higher. The risk involved, gender, location, and car type influence the increased insurance rates.
The other reasons that place them under the high-risk category include their unlikeliness to wear seat belts, inclination toward speeding, and driving during the weekends.
Hacks to Save On Car Insurance for a 17-Year-Old
Add them to your family policy: Adding the freshly inducted teen driver to your existing auto insurance policy is a practical way to reduce the insurance rates.
Give up your collision coverage: This is advisable if your car isn’t worth much,if it is old or not financed.
Maintain a clean driving record: This can help you claim the safe driver discounts that can be availed if one stays away from distracted driving, reckless driving, and accidents.
Claim the discounts:Good student discounts and defensive driver discounts are the other two available discounts across insurance companies for 17-year-olds. Submitting proof of having a grade point of more than 3.0 or taking a professional driving course on highway safety and defensive driving can aid in these discounts. These discounts can help you save around $354 and $228 for male and female drivers.
Avoid luxury cars for your teens: It is always advisable to use a sedan over a luxurious sports car as the latter tend to have higher insurance rates.
Increase your deductible: Since statistics prove that teens are prone to accidents, increasing your deductibles will reduce your annual premium.
Delaying the license: Though this might be unwelcoming to the enthusiastic young drivers, delaying the license for a year can show a commendable decrease in your auto insurance premium rates.
Cheapest Vehicles for Auto Insurance for 17-Year-Olds
Purchasing a low-cost car doesn’t ensure a lower auto insurance rate. Still, if your vehicle includes a number of safety measures like anti-lock brakes, adaptive cruise control, lane drift protection, and an alarm system, to name a few, it will lower your average cost.
Insurance Rates (average annual premium)
Ford Escape S
Driving Laws for 17-Year-Olds
Graduated Driver Laws are applicable to drivers under the age of 18. These include rules by states that restrict the drivers to the place and their drive time. The GDL laws vary with state, and it typically includes:
Limiting driving hours to daytime.
Requiring the presence of an older passenger in the car.
Not permitting the presence of passengers below a certain age in the vehicle.
Using cell phones while driving is prohibited.
School and work would be the destinations they are allowed to drive to.
There can be no such thing as a one-size-fits-all auto insurance company. The finest vehicle insurance company will provide you with the coverage you require, will maintain a high level of customer satisfaction, and will give discounts to help keep costs affordable. By requesting quotes from multiple insurers, you can restrict your search for the finest auto insurance provider to meet your home and insurance needs.
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
How much is car insurance for a 17-year-old per month?
The auto insurance for a 17-year-old driver is around $450 for full coverage and $152 per month for minimum coverage.
Can a 17-year-old get their car insurance?
Yes, a 17-year-old can obtain car insurance. Since it can be costly, it is wiser to add yourself to your parents’ policy, making it affordable.
How much is car insurance for a 17-year-old female?
The average annual car insurance premium for a 17-year-old female driver is $5484 on an individual policy and $2921 when added to a parent’s policy.
How much is car insurance in California for a 17-year-old?
The overall annual rate for a 17-year-old driver in California is $4063.