Can I get my own auto insurance at 17? | https://insurecar.info
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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid sympathize of insurance products including dwelling, life, car, and commercial and working directly with policy customers to understand their needs. She has since used that cognition in her more than ten years as a writer, largely in the insuranc … Full Bio → |
Written by
Leslie Kasperowicz Farmers CSR for 4 Years 
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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family ’ randomness indemnity agency, FCI Agency, for 15 years ( BBB A+ ). He is licensed as an agent to write property and casualty policy, including home, car, umbrella, and dwelling displace indemnity. He ’ randomness besides been featured on sites like Reviews.com and Safeco. He reviews capacity, ensuring that ex-wife … |
Reviewed by
Daniel Walker Licensed Auto Insurance Agent 
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editorial Guidelines : We are a complimentary on-line resource for anyone matter to in learning more about car policy. Our finish is to be an objective, third-party resource for everything car indemnity related. We update our locate regularly, and all contented is reviewed by car policy experts .
Things to remember …
- To buy auto insurance in your name at any age, you need to be the registered owner of the car.
- Some states allow dependent and independent drivers to own a car in their own name at 16 or 17.
- As long as you are still a teenager, you are considered a different driver type.
- As long as you own your car in your name and you’re licensed to drive your vehicle, you can buy your own insurance.
- If you buy car insurance at 17, you’ll pay high-risk insurance rates because of your inexperience.
- If you live with your parents or with someone else who owns a car, combining your insurance may be cheaper.
Can I get my own car policy at 17 ? How old do you have to be to get insurance ? What about a claim ? How old do you have to be to put a car title in your mention ? How honest-to-god do you have to be to own a cable car ?
Until you have a vehicle registered and insured in your appoint, you are not a vehicle owner. Can I get my own car insurance at 17 years old ? Yes, but it ’ ll be pricey .
If you ’ rhenium 17, and you ’ ra planning on buying your own car with your own money, there ’ s still no guarantee that you ’ ll be able to buy policy in your own mention .
Whether you can get indemnity depends on respective factors, including the express and the carrier. evening if you are able to find coverage, it can be about impossible to find cheap car insurance rates for teens .
however, you may be able to find more low-cost rates if you shop approximately. Each caller will charge different rates for car insurance at 17 .
Read this guide for everything you need to know about finding the most low-cost car policy for a 17-year-old and which car indemnity company for a 17-year-old is for you .
To get depart finding 17-year-old car insurance rates, you can compare quotes for car insurance for drivers who are under 18 nowadays by entering your ZIP code in our release cock .
What is the average cost of auto insurance for 17-year-old drivers?
Can a 17-year-old get their own cable car insurance ?
Age is one of the biggest factors that affect car insurance rates. Younger drivers are less experience, and their rates reflect that .
Buying adolescent cable car insurance will cost you a pretty penny. In fact, teens who are 16 and 17 pay the highest rates because of the accident statistics is the age group .
Keep read for more .
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What is the average cost of auto insurance for 17-year-old males vs. females?
How much is cable car indemnity for a 17-year-old ? In most states, the interrogate should be : how a lot is car indemnity for a 17-year-old female or 17-year-old male ?
A male who is 17 will constantly pay more than his female counterpart with the same criminal record and rat factors because indemnity companies often perceive male drivers as higher risk .
however, in states like California and Hawaii, gender discrimination in rates adjustment is illegal, so the gender-based pace differential may not be as great, depending on where you live .
It ’ sulfur estimated that a safe driver who is 17 will pay between $ 350 and $ 500 per calendar month for coverage .
What is the average annual car policy rate for 17-year-old drivers who purchase their own indemnity policies ?
This mesa shows the countrywide car indemnity rates based on long time, sex, and marital condition, including rates for 17-year-old policy-owners .
Auto Insurance Rates by Age and Gender for the U.S.
| Insurance Companies | Average Annual Rates for a Single 17-Year-Old Female | Average Annual Rates for a Single 17-Year-Old Male | Average Annual Rates for a Single 25-Year-Old Female | Average Annual Rates for a Single 25-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female | Average Annual Rates for a Married 35-Year-Old Male | Average Annual Rates for a Married 60-Year-Old Female | Average Annual Rates for a Married 60-Year-Old Male | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| USAA | $4,807.54 | $5,385.61 | $1,988.52 | $2,126.14 | $1,551.43 | $1,540.32 | $1,449.85 | $1,448.98 | ||||||||
| GEICO | $5,653.55 | $6,278.96 | $2,378.89 | $2,262.87 | $2,302.89 | $2,312.38 | $2,247.06 | $2,283.45 | ||||||||
| Nationwide | $5,756.37 | $7,175.31 | $2,686.48 | $2,889.04 | $2,360.49 | $2,387.43 | $2,130.26 | $2,214.62 | ||||||||
| State Farm | $5,953.88 | $7,324.34 | $2,335.96 | $2,554.56 | $2,081.72 | $2,081.72 | $1,873.89 | $1,873.89 | ||||||||
| American Family | $5,996.50 | $8,130.50 | $2,288.65 | $2,694.72 | $2,202.70 | $2,224.31 | $1,992.92 | $2,014.38 | ||||||||
| Farmers | $8,521.97 | $9,144.04 | $2,946.80 | $3,041.44 | $2,556.98 | $2,557.75 | $2,336.80 | $2,448.39 | ||||||||
| Progressive | $8,689.95 | $9,625.49 | $2,697.73 | $2,758.66 | $2,296.90 | $2,175.27 | $1,991.49 | $2,048.63 | ||||||||
| Allstate | $9,282.19 | $10,642.53 | $3,424.87 | $3,570.93 | $3,156.09 | $3,123.01 | $2,913.37 | $2,990.64 | ||||||||
| Travelers | $9,307.32 | $12,850.91 | $2,325.25 | $2,491.21 | $2,178.66 | $2,199.51 | $2,051.98 | $2,074.41 | ||||||||
| Liberty Mutual | $11,621.01 | $13,718.69 | $3,959.67 | $4,503.13 | $3,802.77 | $3,856.84 | $3,445.00 | $3,680.53 | ||||||||
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Compare RatesStart Now → As you can see, 17-year-olds pay way more than older drivers .
What is the cheapest auto insurance for 17-year-old drivers?
Auto insurance for teenagers is constantly going to be more expensive. so, what is the cheapest car indemnity for a 17-year-old ?
It looks like USAA and GEICO have the cheapest rates. You can find bum insurance for 17-year-olds if you are will to shop around .
however, overall, lower rates come down to experience. As you get older and have more experience behind the wheel, your rates will go down if you keep a clean drive record. But with a bad drive record, car insurance skyrockets .
If you still live with your parents or you ’ re away at school as a dependent student, it ’ s a good idea to stay on your rear ’ s policy for angstrom long as it ’ s an option. When you add yourself and your car as a driver, you ’ ll pay up a discounted rate .
And the rates may vary with age. Check with your indemnity agent to see how much car policy is for an 18-year-old or how much it costs to add a 16-year-old to cable car indemnity .
How can you get cheap auto insurance for 17-year-old drivers?
We ’ ve already looked at average insurance rates for 17-year-old drivers on their own policy policy. And as we ’ ve besides already mentioned, one way to save is being added to your parents ’ policy, quite than taking out a policy on your own .
This will increase your parents ’ rates, but it will still be cheaper than purchasing coverage on your own. How much does it cost to add a 17-year-old to an existing car policy policy ?
Take a attend at this table to see how much modal insurance rates increase when adding a 17-year-old to a policy vs. one adult .
Average Annual Auto Insurance Rate Increase When Adding a Child by State
| States | Average Annual Rates for Adult Only | Average Annual Rates with a Teen Added | Percent Rate Increase | |||
|---|---|---|---|---|---|---|
| Idaho | $1,019 | $2,812 | 176% | |||
| Indiana | $1,057 | $2,538 | 140% | |||
| Iowa | $1,073 | $2,570 | 140% | |||
| North Dakota | $1,123 | $2,688 | 139% | |||
| Wisconsin | $1,147 | $3,011 | 163% | |||
| New Hampshire | $1,156 | $3,406 | 195% | |||
| Vermont | $1,166 | $2,978 | 155% | |||
| North Carolina | $1,170 | $2,608 | 123% | |||
| Illinois | $1,176 | $3,635 | 209% | |||
| Utah | $1,212 | $3,243 | 168% | |||
| New York | $1,214 | $3,347 | 176% | |||
| Alaska | $1,246 | $3,600 | 189% | |||
| South Dakota | $1,250 | $2,776 | 122% | |||
| Hawaii | $1,255 | $1,292 | 3% | |||
| Nebraska | $1,287 | $3,449 | 168% | |||
| Missouri | $1,288 | $2,978 | 131% | |||
| Alabama | $1,304 | $3,504 | 169% | |||
| Washington | $1,307 | $3,323 | 154% | |||
| Oregon | $1,325 | $3,456 | 161% | |||
| Minnesota | $1,339 | $3,392 | 153% | |||
| Tennessee | $1,339 | $3,487 | 160% | |||
| South Carolina | $1,353 | $4,230 | 213% | |||
| Arizona | $1,399 | $4,463 | 219% | |||
| Kansas | $1,412 | $3,300 | 134% | |||
| New Jersey | $1,419 | $4,590 | 223% | |||
| Pennsylvania | $1,438 | $3,142 | 118% | |||
| West Virginia | $1,467 | $3,766 | 157% | |||
| Oklahoma | $1,469 | $3,446 | 135% | |||
| New Mexico | $1,498 | $3,991 | 166% | |||
| Mississippi | $1,504 | $3,671 | 144% | |||
| Maryland | $1,541 | $4,280 | 178% | |||
| Arkansas | $1,556 | $4,021 | 158% | |||
| Wyoming | $1,577 | $3,830 | 143% | |||
| Nevada | $1,578 | $4,785 | 203% | |||
| Montana | $1,589 | $3,230 | 103% | |||
| Kentucky | $1,611 | $3,903 | 142% | |||
| Massachusetts | $1,616 | $3,964 | 145% | |||
| Texas | $1,644 | $4,387 | 167% | |||
| Colorado | $1,675 | $4,082 | 144% | |||
| California | $1,783 | $5,660 | 217% | |||
| Georgia | $1,815 | $5,343 | 194% | |||
| Delaware | $1,838 | $4,503 | 145% | |||
| DC | $1,887 | $5,261 | 179% | |||
| Connecticut | $1,980 | $5,167 | 161% | |||
| Rhode Island | $2,011 | $5,829 | 190% | |||
| Louisiana | $2,228 | $7,007 | 214% | |||
| Florida | $2,250 | $5,496 | 144% | |||
| Michigan | $2,368 | $6,217 | 163% | |||
| Maine | $884 | $1,977 | 124% | |||
| Ohio | $959 | $1,931 | 101% | |||
| Virginia | $993 | $2,974 | 199% | |||
| National Average | $1,447 | $3,775 | 161% | |||
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Compare RatesStart Now → here are a few reasons why it ’ mho cheaper to be added to your parents ’ policy preferably than purchasing your own coverage :
- Your parents have an established relationship with the carrier and may receive loyalty discounts on rates.
- You can assign yourself as a driver to the cheapest vehicle on the policy.
- You will get a multi-car discount.
- You will get a multi-policy discount.
- You will receive rates for your parents’ credit ranking and not your own.
Adding a 17-year-old to their parents ’ policy is still the cheapest way to go. But regardless of your approach, another way to get cheap car insurance for 17-year-old drivers is to look for discounts .
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What auto insurance discounts for 17-Year-old drivers are there?
Some tips for brassy policy for 17-year-olds revolve around car indemnity discounts. Often the best deals for car insurance for 17-year-olds come down to discounts and getting good grades .
Check out this table to see what providers offer discounts to new drivers .
Auto Insurance Discounts for Young Drivers
| Insurance Companies | Distant Student Discount Offered | Driver’s Ed Discount Offered | Good Student Discount Offered | |||
|---|---|---|---|---|---|---|
| 21st Century | No | Yes | Yes | |||
| AAA | Yes | Yes | Yes | |||
| Allstate | Yes | Yes | Yes | |||
| American Family | Yes | Yes | Yes | |||
| Ameriprise | Yes | No | Yes | |||
| Amica | Yes | Yes | Yes | |||
| Country Financial | No | Yes | Yes | |||
| Esurance | No | Yes | Yes | |||
| Farmers | Yes | Yes | Yes | |||
| GEICO | Yes | Yes | Yes | |||
| Liberty Mutual | No | Yes | Yes | |||
| MetLife | No | Yes | Yes | |||
| Nationwide | Yes | No | Yes | |||
| Progressive | Yes | Yes | Yes | |||
| Safe Auto | No | Yes | Yes | |||
| Safeco | Yes | Yes | Yes | |||
| State Farm | Yes | Yes | Yes | |||
| The General | No | Yes | Yes | |||
| The Hanover | Yes | Yes | Yes | |||
| The Hartford | Yes | Yes | Yes | |||
| Travelers | Yes | Yes | Yes | |||
| USAA | Yes | Yes | Yes | |||
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Compare RatesStart Now → Considering rates, discounts, coverage, etc. what is the best indemnity for 17-year-old drivers ? Read the next segment to find out some of your options .
What’s the best auto insurance for 17-Year-old drivers?
The best car insurance for 17-year-old males vs. 17-year-old females can depend on where you live .
This table shows you the rates and cheapest companies in 10 states based on old age and sex .
10 Cheapest States for Teen Auto Insurance Rates
| States | Average Annual Rates | Cheapest Company for 17-Year-Old Males | Cheapest Company’s Average Annual Rates for 17-Year-Old Males | Cheapest Company for 17-Year-Old Females | Cheapest Company’s Average Annual Rates for 17-Year-Old Females | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Hawaii | $2,696.83 | State Farm | $1,040.28 | State Farm | $1,040.28 | |||||
| North Carolina | $5,371.26 | Liberty Mutual | $3,197.53 | Liberty Mutual | $3,197.53 | |||||
| Maine | $5,416.09 | USAA | $3,133.89 | Geico | $2,470.79 | |||||
| Alaska | $5,553.69 | USAA | $5,168.23 | State Farm | $4,158.62 | |||||
| Wyoming | $5,828.93 | Liberty Mutual | $4,046.51 | Liberty Mutual | $3,605.13 | |||||
| Massachusetts | $6,016.14 | State Farm | $2,583.99 | State Farm | $2,583.99 | |||||
| Montana | $6,092.26 | Liberty Mutual | $2,064.28 | Liberty Mutual | $2,064.28 | |||||
| Wisconsin | $6,206.76 | American Family | $3,134.61 | American Family | $2,844.04 | |||||
| Iowa | $6,304.29 | USAA | $3,553.41 | USAA | $3,345.84 | |||||
| Idaho | $6,306.32 | USAA | $4,046.57 | USAA | $3,611.65 | |||||
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Compare RatesStart Now → You can see that some companies charge the same for males and females, but the rates are still high .
Do you have to own a vehicle to buy your own auto insurance?
so, as a adolescent, can you get your own car policy policy, and, if so, how old do you have to be to have your own car insurance ?
There are a few basic rules all insurance companies follow when they are selling indemnity to any driver in the marketplace :
- You must have an unrestricted license.
- The policyholder who buys insurance must own or have an insurable interest in the vehicle being covered.
An car policy international relations and security network ’ deoxythymidine monophosphate like a bank account or another type of fiscal product because it ’ s an damages shrink. One of the conditions of entering into the damages sign is that you have to have an insurable interest in the property.
a hanker as you possess this insurable concern, you ’ re eligible to buy coverage on the car .
Insurable interest means you own the vehicle or that the vehicle is financed or leased in your name.
Having an insurable matter to is a must because the contract can ’ deoxythymidine monophosphate protect person from fiscal loss if they have nothing to lose when a car is involved in an accident .
It would be otiose to buy the product because there would never be a purpose to file a claim .
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Can a 17-year-old have a car title in their name?
Can a child own a car ? Can a 17-year-old own a car ? Can you title a car in a minor ’ south name ? Whether or not you can get a fomite championship in your name at 17 depends largely on where you live .
How previous do you have to be to register a car ? Can a 17-year-old register a car in their list ? In most states, yes, but the age to register a car will besides depend on your placement .
How previous do you have to be to buy a car ? Can a 17-year-old bribe a car ? Can a 17-year old buy a car from a secret seller ? Depending on the laws in your state of matter, you may be able to purchase a vehicle .
however, the legal age to buy a car can vary. Plus, if you are entering into a contract, you may not be allowed to sign or may need a parent salute .
Your state ’ s Department of Motor Vehicles ( DMV ) will have the most up-to-date information on local laws regarding the legal age to own a car and for obtaining a vehicle title .
An easy means to find out more about this subject is to do a quick Google search regarding your state specifically ( for exemplar, “ can a minor own a car in Florida ” ) .
Know the State Law Before Trying to Buy Your Own Car and Auto Insurance
Can a 17-year-old make his own car insurance ? How old do you have to be to have a cable car title in your name ? How old do you have to be to get car insurance ?
At the historic period of 17, everything can be complicated when it comes to property ownership laws .
In many states, you have to be at least 18 before you can register any motor fomite in your name as the legal owner ( though, as we noted earlier, you should contact your local DMV for particular laws in your area ). consequently, the minimum old age for car indemnity is normally 18 .
Some states do allow teens who are 16 or 17 to own property. If you live in these states, it ’ second legal to own a car in your name as a minor .
If you ’ ve saved for years and years, you may be able to buy an older model fomite instantaneously without having to finance it. unfortunately, many teens want to finance a newly car because they don ’ t have thousands of dollars on-hand .
When this happens, you can get an car loan. hush, you ’ ll have to have a parent as a co-signer because you won ’ t have any credit rating history ( and with a finance vehicle comes specific, and frequently expensive, car insurance coverage requirements ) .
As teens don ’ t have much experience drive however, it ’ south best to get a pretty safe vehicle .
When you finance a car, it ’ mho authoritative to put at least 20 percentage of the leverage price down. Look at the terms closely, and be sure you can afford to make your payments as agreed on with your adult cosigner .
Since the loan is in both names, it ’ s likely your registration will be in both your diagnose and your cosigner ’ mho name angstrom well .
What happens if you’re emancipated and need to buy a car?
How previous do you have to be to buy indemnity ? Can a 17-year-old drive cable car indemnity ? Can teens sign an insurance condense ? Or is an adult ( person 18 or older ) necessary to purchase coverage ?
As a minor, you can ’ t legally enter a contract to buy a cable car without your rear or defender sign off on the transaction. If an adult doesn ’ thyroxine witness it and sign off, the transaction international relations and security network ’ deoxythymidine monophosphate legally binding .
however, as FindLaw.com notes, everything changes when you ’ re an emancipated minor .
When you ’ re emancipated, it basically means you ’ re legally separating yourself from your parents so you don ’ t have to be in their detention .
It besides means you will gain the correctly to start handling your own affairs, including any of the follow :
- Live on your own
- Keep your own paychecks
- Stay out past curfew
- Sue someone in your name
- Own property in your name
At 17, getting emancipated might sound like the best option if you have a strained relationship with your parents .
What you might not know is that you can no long get support from your parents, and according to Public Counsel, you can be held apt for injuries that you cause deoxyadenosine monophosphate soon as you ’ ra emancipated .
Since you ’ rhenium liable for these types of damages, you can besides buy a car in your name and then buy indemnity in your own name .
At that point, can a 17-year-old pay policy monthly ? Probably so, but besides keep in mind you may get a discount for paying your policy in fully .
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If you’re emancipated, can you automatically get your license?
Being emancipated grants you the right field to enter into contracts or buy property, but it doesn ’ triiodothyronine concede you the right to get your driver ’ s license mechanically .
equitable like other teens who don ’ t have driving experience, you have to satisfy all of the requirements before you ’ re issued an unrestricted driver ’ sulfur license .
If you ’ re lone 15 or 16, you may have to complete driver ’ s aim classes before you can evening get qualified to sit for your practical or written license examination .
If you ’ ra 17, you may be previous enough to skip the driver ’ sulfur education requirements in some states .
You ’ ll have to familiarize yourself with the laws in your state ( your local DMV is a great resource for this ) to see what you need to do .
Where can a teenager buy auto insurance if they own a car and have a license?
Every insurance company has its own cover guidelines. While these guidelines can ’ metric ton be discriminative in nature, they can make people ineligible for coverage if they don ’ thymine match into a certain customer demographic .
Your job as a 17-year-old who needs their own coverage is to shop around to find the right carrier with indulgent criteria .
The best place to look for coverage when you ’ re 17 and you meet the basic contract requirements is to call a deficient insurance company. These insurers have more indulgent rules and are more volition to insure bad drivers who are statistically more likely to have an accident and charge a claim .
normally, the bad insurers will take on younger drivers with acceptable records .
What is the minimum coverage requirement for 17-year-old drivers?
Any amply licensed driver must meet at least the minimum coverage requirements set in the state in which they live. Coverage limits vary based on state, and to help you out, we ’ ve listed the basics in this table. Take a search .
Minimum Auto Insurance Requirements by State
| State | Insurance required | Minimum liability limits | ||
|---|---|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 | ||
| Alaska | BI & PD Liab | 50/100/25 | ||
| Arizona | BI & PD Liab | 15/30/10 | ||
| Arkansas | BI & PD Liab, PIP | 25/50/25 | ||
| California | BI & PD Liab | 15/30/5 | ||
| Colorado | BI & PD Liab | 25/50/15 | ||
| Connecticut | BI & PD Liab, UM, UIM | 25/50/20 | ||
| Delaware | BI & PD Liab, PIP | 25/50/10 | ||
| District of Columbia | BI & PD Liab, UM | 25/50/10 | ||
| Florida | PD Liab, PIP | 10/20/10 | ||
| Georgia | BI & PD Liab | 25/50/25 | ||
| Hawaii | BI & PD Liab, PIP | 20/40/10 | ||
| Idaho | BI & PD Liab | 25/50/15 | ||
| Illinois | BI & PD Liab, UM, UIM | 25/50/20 | ||
| Indiana | BI & PD Liab | 25/50/25 | ||
| Iowa | BI & PD Liab | 20/40/15 | ||
| Kanses | BI & PD Liab, PIP | 25/50/25 | ||
| Kentucky | BI & PD Liab, PIP, UM, UIM | 25/50/25 | ||
| Louisiana | BI & PD Liab | 15/30/25 | ||
| Maine | BI & PD Liab, UM, UIM, Medpay | 50/100/25 | ||
| Maryland | BI & PD Liab, PIP, UM, UIM | 30/60/15 | ||
| Massachusetts | BI & PD Liab, PIP | 20/40/5 | ||
| Michigan | BI & PD Liab, PIP | 20/40/10 | ||
| Minnesota | BI &PD Liab, PIP, UM, UIM | 30/60/10 | ||
| Mississippi | BI & PD Liab | 25/50/25 | ||
| Missouri | BI & PD Liab, UM | 25/50/25 | ||
| Montana | BI & PD Liab | 25/50/20 | ||
| Nebraska | BI & PD Liab, UM, UIM | 25/50/25 | ||
| Nevada | BI & PD Liab | 25/50/20 | ||
| New Hampshire | FR only | 25/50/25 | ||
| New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/5 | ||
| New Mexico | BI & PD Liab | 25/50/10 | ||
| New York | BI & PD Liab, PIP, UM, UIM | 25/50/10 | ||
| North Carolina | BI & PD Liab, UM, UIM | 30/60/25 | ||
| North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 | ||
| Ohio | BI & PD Liab | 25/50/25 | ||
| Oklahoma | BI & PD Liab | 25/50/25 | ||
| Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 | ||
| Pennsylvania | BI & PD Liab, PIP | 15/30/5 | ||
| Rhode Island | BI & PD Liab | 25/50/25 | ||
| South Carolina | BI & PD Liab, UM, UIM | 25/50/25 | ||
| South Dakota | BI & PD Liab, UM, UIM | 25/50/25 | ||
| Tennessee | BI & PD Liab | 25/50/15 | ||
| Texas | BI & PD Liab, PIP | 30/60/25 | ||
| Utah | BI & PD Liab, PIP | 25/65/15 | ||
| Vermont | BI & PD Liab, UM, UIM | 25/50/10 | ||
| Virginia | BI & PD Liab, UM, UIM | 25/50/20 | ||
| Washington | BI & PD Liab | 25/50/10 | ||
| West Virginia | BI & PD Liab, UM, UIM | 25/50/25 | ||
| Wisconsin | BI & PD Liab, UM, Medpay | 25/50/10 | ||
| Wyoming | BI & PD Liab | 25/50/20 | ||
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Compare RatesStart Now → To better understand the information in this table, take a look at this summary of the acronym and abbreviations .
Auto Insurance Terms
| Abbreviation | Meaning | |
|---|---|---|
| BI | Bodiliy Injury | |
| PD | Property Damage Liability | |
| PIP | Personal Injury Protection | |
| UM | Uninsured Motorist | |
| UIM | Underinsured Motorist | |
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Compare RatesStart Now → Forty-eight of the 50 states in the U.S. required a minimal sum of coverage, and even in the states that do not require coverage, you ’ ll need to provide some proof of fiscal duty ( meaning some proofread that you have the funds to cover damages that result from an at-fault accident ) .
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How can I save on auto insurance for 17-year-old drivers?
You now know the minimal coverage you ’ ll need, how to get it, and an average rate you can use as a baseline calculate for how much you might pay. And as you ’ ve seen, that cost can be a lot. We ’ ve already talked about discounts, but are there other ways to save ? The answer is yes .
If combining your insurance with your parents or an older sibling international relations and security network ’ t an option, there are a few ways to keep your rates low on your own. here are some tips :
- Choose higher deductibles
- Take driver training to get a discount
- Get a good grade discount if you’re still a student
- Try to keep your mileage down for a lower rating
- Drive safely to keep your record clean
The best way to get the most low-cost rate on your own is to shop around for coverage. You should get moment quotes online to compare rates. After making your comparison, you can make a decision and buy your policy .
Frequently Asked Questions: Can I get my own auto insurance at 17?
silent have questions about getting car indemnity as a 17-year-old ? Read our answers to these frequently asked questions for more .
#1 – What driving laws do 17-year-old drivers have to follow?
In addition to all posted dealings signs and local drive laws, there are a few laws specific to teenage drivers that may apply if you ’ re on the road at 17 .
Most states have a graduated driver license program requiring teens to go through a series of different license types while learning to drive .
Laws vary by submit, but frequently you won ’ deoxythymidine monophosphate be able to get an unexclusive license ( a requirement if you want to purchase your own insurance ) without following this process .
In many cases, there is a minimum time prerequisite for each step in the serve and a minimum age for achieving an unrestricted license. Your local DMV will be able to provide you with the specifics in your state .
#2 – Can I get my own health insurance at 17?
Though the law allows youthful adults to stay on their parents ’ health indemnity until the long time of 26, sometimes that ’ south not an choice .
arsenic long as you are employed and paying your own manner, you should be able to get your own health insurance coverage.
#3 – Can a 16-year-old buy a car? Can a 16-year-old own a car? Can a 16-year-old have a car title in their name?
The answer to these questions will be highly alike to the answer for 17-year-olds. much of it will depend on your localization since the laws for place possession can vary from state to state .
fix to buy car policy for a 17-year-old ? If you ’ re a minor looking for the cheapest car insurance, find low-cost car indemnity for a 17-year-old by comparing quotes by entering your ZIP code in our free rate tool .