- For a full coverage policy, a 17 year old teen driver pays about $486 a month for car insurance.
- 17 years old female drivers pay $867 less than males their age that is $5,490 whereas 17 years old male drivers pay about $6,357 on average for car insurance.
- Concord, Liberty Mutual, USAA, North Carolina Farm Bureau, Safeco, Geico and Erie had the cheapest car insurance for 17-year-olds among national carriers surveyed by CarInsurance.com.
- The average annual car insurance rate for a 17 year old driver with their own policy is $2,214 for a state minimum and $5,924 for a full coverage policy.
What is the average cost of car insurance for a 17-year-old?
The average car insurance rate for a 17-year-old who has his or her own policy is $5,836 per year, on average, for full coverage. Your pace will depend on where you live, the character of cable car you drive, and the coverage flush, among other factors. To give you an idea of what to expect to pay for coverage, we provide average annual car indemnity rates for 17-year-olds, by department of state and sex, in the charts below. The rates for a separate adolescent policy are based on having the follow coverage limits for a year on a 2017 Honda Accord, along with any other state-required coverages, and a deductible of $ 500 :
- $100,000 for injury liability for one person
- $300,000 for all injuries in one accident
- $100,000 for property damage
As the mesa below shows, adding a adolescent to a parents ’ policy is a lot cheaper than buying separate coverage under the adolescent ’ s appoint. While there is a huge save between adding a adolescent and the adolescent having his or own policy, the cost to add the adolescent is broadly placid meaning. To illustrate the monetary value to add a adolescent, CarInsurance.com compared rates in 10 energy codes in each state. The family profile we used owned a 2017 Honda Accord driven by a 45-year old man buying fully coverage. then we added a 17-year old adolescent to the policy .
Car insurance cost for a 17-year-old female
The average cost for insurance for a 17-year-old female is $5,490. That ’ south for a policy of her own that includes comprehensive examination and collision coverage, with indebtedness limits of 100/300/100. Teen female drivers age 17 pay $ 867 less than males their age. Below you ’ ll see modal policy costs by state for a 17-year-old female and how that compares to the price of a parent policy with the child added. You ‘ll see that adding a adolescent is much less expensive. That ‘s because when teens get their own policy, they qualify for few discounts compared to their parents. besides, teens are normally listed as a secondary driver on parents ‘ policies .
Car insurance for a 17-year-old girl
|Teen Policy Rate
|Parents’ Policy with Teen Added
Car insurance cost for a 17-year-old male
Males age 17 pay, on average, $6,357 for their own full coverage policy. That ’ s about $ 867 more than their female counterparts. You can compare rates for a 17-year-old male with his own policy to that of being added to his parents .
Car insurance for a 17-year-old male
|Teen Policy Rate
|Parents’ Policy with Teen Added
How much does it cost to add a 17-year-old to car insurance?
Though adding a adolescent to a rear policy is cheaper than the adolescent having his or her own separate policy, the cost of adding a adolescent driver can inactive be high gear. Below are the modal annual costs to add a 17-year-old boy or girlfriend to your coverage .
|Driver age 17||Cost to Add to Parent Policy Full Coverage||Cost to Add to Policy State Minimum|
Every position is unlike, but to get an estimate of what you can expect to pay, CarInsurance.com compared rates in 10 ZIP codes in each country. The family profile we used owned a 2017 Honda Accord driven by a 45-year-old man buying full coverage. then we added a 17-year-old adolescent to the policy. Here’s what happened:
- The average household’s car insurance bill rose by about 106% to add a 17-year-old.
- A teenage boy was more expensive. The average bill rose 117%, compared with 95% for teenage girls.
How much you save by adding a 17-year-old to your insurance vs. a teen’s own policy
You ’ ll witness in the chart below how much it costs to add a adolescent driver to a rear policy and how much you save doing therefore :
|Driver age 17||Teen Own Policy Rate||Parent Policy with Teen||Savings for Adding to Parent Policy Versus Teen Own Policy|
When it comes to cable car insurance for young drivers, most parents take the easier and far more common approach of adding a adolescent to their policy. For one thing, it ‘s likely to be quite a bite cheaper. Insurers basal premiums on several factors, including the have and drive read of the policyholder. A 17-year-old wo n’t have that, which means higher rates .Expert’s Tip Expert ‘s Tip CarInsurance.com Senior Consumer Analyst Penny Gusner points out, the adolescent wo n’t be eligible for rate reductions the parent may qualify for, including multi-vehicle, multi-policy and loyalty discounts. placid, adding a 17-year-old driver to your policy means a significant rise in your rates .
Cheapest car insurance for 17-year-olds
Below you ’ ll see how car indemnity companies rank in monetary value for a 17-year-old driver buying his or her own wide coverage policy. Concord, Liberty Mutual, USAA, North Carolina Farm Bureau, Safeco, Geico and Erie had the cheapest car policy for 17-year-olds among national carriers surveyed by CarInsurance.com .
|Full Coverage 100/300/100 $500 Comp/Coll
|North Carolina Farm Bureau||$2,570|
|Texas Farm Bureau||$3,003|
|Mississippi Farm Bureau||$3,110|
|New Jersey Manufacturers||$3,617|
|New York Central||$4,139|
|AAA Texas County||$4,881|
|Louisiana Farm Bureau||$5,754|
|Oklahoma Farm Bureau||$6,263|
|Kentucky Farm Bureau||$6,320|
Car insurance for 17-year old: state minimum coverage
Each submit has minimum cable car insurance requirements that you must have to drive legally. This grade of coverage is typically the cheapest, but it besides provides limited protection. In most states, buying good the compulsory coverage means your policy will pay for others ’ injuries and car wrong, but not for your own injuries or car repairs. You ’ ll see in the charts below how a lot minimum coverage costs, on average, per year in each state of matter, for a adolescent buying his or her own policy, equally well as how that compares to the price when added to a parent ‘s policy .
Car Insurance for a 17-Year-Old Girl: state minimum coverage
|Teen Policy Rate
|Parents’ Policy with Teen Added
Car Insurance for a 17-year-old boy: state minimum coverage
|Teen Policy Rate
|Parents’ Policy with Teen Added
*CarInsurance.com commissioned Quadrant Information Services to run car indemnity rates for a 2017 Honda Accord LX for 10 ZIP codes in each express using up to six large carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. ( In cases where one of the insurers does n’t return a rate, another major carrier in that state of matter is substituted. )
What is the average annual car insurance rate for a 17-year-old driver with own policy?
The average car insurance rate for a 17-year-old who has his or her own policy is $2,214 for a state minimum policy. A full coverage policy costs an average of $5,924 yearly. What you pay will vary, depending on your insurance company, whether or not the adolescent is added to a parent ‘s policy, the submit you live in, the type of car you drive and coverage limits, among other factors .
What are the rules for a 17-year-old driver?
Most states have laws that restrict where and when 17-year-olds can drive. These stipulations are normally called Graduated Driver License ( GDL ) laws and apply just to drivers under long time 18. GDL laws vary by state, with some states having very rigorous GLD laws and others having identical lenient ones.Over time, you “ calibrate ” from a probationary or restricted license you get as a adolescent to a standard license with no restrictions. GDL laws typically include provisions on the following:
- Limiting drive time to day time hours
- Requiring a passenger who is over a certain age to be in the car
- Not allowing passengers under a certain age to be in the car
- Banning the use of cellphones for both calls and texting
- Limiting destinations to work and school
For more details on GDL laws and why they are important, read our template on the most and least dangerous states for adolescent drivers .
Teen driver safety
The argue why car indemnity for a 17-year-old is sol expensive is that newer drivers are more apt to get into accidents. Accidents lead to claims, which means costs to policy companies. Teen drivers get into fewer fatal accidents than when their parents were teens. Driving base hit experts say a primary rationality for this improvement is Graduated Driving License ( GDL ) laws. States have varying levels of GDL laws. These include apprentice ‘s let, minimum hours of monitor drive and restrictions on passengers and hours a adolescent can drive. There are besides bans on texting and using a cell phone. When a driver turns 17, he or she will long time out of some GDL laws. however, many states still restrict drivers until they ‘re 18 and even 21. For 17-year-old olds, restrictions include passenger and night limits for unsupervised force. GDL laws vary by state, so it ‘s best to check your department of state ‘s GDL laws. Though adolescent driver statistics have improved since the twentieth century, the National Highway Traffic Safety Administration reported that teen-involved fateful accidents are on the arise this decade. There were 2,082 teen-involved fatal accidents in 2016, which was an increase over 1,886 in 2015. One common issue with adolescent drivers is distracted driving. The National Highway Traffic Safety Administration ( NHTSA ) said about 30 percentage of teens say they ‘ve texted while driving. Plus, a adolescent ‘s risk of an accident increases sextuple when dialing a earphone number, the NHTSA said. There are many other types of distract drive, including fiddling with the radio, eating while driving and chatting with friends. You might not be able to drive in the vehicle with your adolescent at all times, but there ‘s a way to influence your child when you ‘re not about. That ‘s being a role exemplary. Do n’t text while driving, do n’t get distracted while driving, follow the rules of the road and do n’t get sucked into road rage. Your child is watching you and will pick up on your habits. Lead by example and your adolescent will have a better nip of driving safely
Adding a teen to parents’ policy is usually more affordable
Parents frequently take the easier — and less costly — approach of putting a adolescent on their existent policy. It ‘s normally cheaper than getting a separate policy because the monetary value of a policy takes into history the experience and drive record of the policyholder. A 17-year-old does n’t have a prove track record on the highway, which means higher rates when an insurance company crunches the numbers. beyond that, Gusner says a 17-year-old wo n’t get the lapp car indemnity discounts as a rear, including multi-vehicle, multi-policy and loyalty discounts. But even with those discounts, adding a 17-year-old driver to a policy still means a significant rise in rates. Another benefit of sharing a policy is that the adolescent is covered if he borrows your car on occasion, and the parents are covered if they drive the adolescent ‘s car. Parents ‘ guide : The best and cheapest way to insure adolescent drivers
When it makes sense for a teen to have a separate policy?
There are times when it ‘s better for your teenagers to get her own car indemnity policy. For exemplify, teens involved in accidents or ticketed for moving violations. They may be better off getting their own policy. That ‘s because sharing a policy with their parents would raise rates on the kin coverage. If you ‘re 17 and have a poor people drive record, consider buying an honest-to-god cable car — they ‘re cheaper to insure — and getting a disjoined policy with only high indebtedness protection .
Auto insurance discounts for 17-year-olds
car insurance discounts are one way to keep down your costs. The good news program is that teens are eligible for discounts. Car insurance discounts for teens vary by state and company, but here are some of the more common ones:
- Driver’s ed: You may be able to get a 5 percent discount if your teenager completes a driver education course. Taking the class may be required, under state law, as a step toward getting a license.
- Good student: A discount up to 15 percent may be available for drivers who maintain a 3.0 or “B” average in the classroom.
- A driving contract between parents and teen: Insurers may give up to a 5 percent discount to teens who sign a contract with their parents specifying driving rules, such as limiting hours on the road and the numbers of passengers.
Shop around when adding a teen to your insurance
- Adding a teen to your policy will increase the cost of your policy. There’s no way around that.
- If you’re a teen buying a policy, you will face much higher rates than your parents.
- The best way to combat this is to shop around. Compare car insurance quotes from multiple insurance companies.
- Each insurer uses its own method for calculating what you pay, so prices for the same policy can vary significantly.
- “The teen’s policy premium could be lower from one insurer to another,” Gusner says.
- You can take a little financial solace in knowing that the high cost of insuring a young driver fades over time. Average car insurance rates by age show that premiums begin to significantly decrease when drivers turn 26.
Check out the other teen driver pages on CarInsurance.com: car indemnity for teens is more than any other age group. however, going accident-free and avoiding traffic tickets, a adolescent will see his or her car policy rates decline each year .
Other ways to save on teen car insurance
Clean driving record
Set the bar high and require that your adolescent driver maintain a blank drive phonograph record. insurance companies already see teens as inexperienced, bad drivers and traffic violations or accidents will only far increase rates. Whether it is speeding, an accident, heedless drive or even distracted drive, you will see an increase in indemnity rates. This is a great meter to teach your teen the responsibilities of safe driving so you can keep your adolescent dependable and finally enjoy lower car indemnity rates .
Think it through before filing a claim
If your adolescent is in a child at-fault accident, it is authoritative to assess the situation before filing a claim. Find out how much your indemnity will increase if you file a claim for an at-fault accident. If the sum you ’ d pay out in deductible and the sum of the pace addition exceed the cost of the repair, it will be cheaper to avoid filing the title .
Recommendations and FAQs for insuring 17-year-old drivers
Gusner says that a 17-year-old can own a car and insure it in most states — but alone if a parent or legal defender cosign for both the fomite ‘s title and policy coverages. “ evening if you ‘re under the age of majority, which is 18 in most states, you can buy and insure a cable car, ” Gusner explains. “ however, in general, minors can not enter into a abridge, so they can not sign for car indemnity by themselves. Depending on state laws, a adolescent may not be able to buy a car either, since that is a sales contract, without an adult signing on ampere well. ” While most states consider 16 to be a legal long time to own a car, there are exceptions. Gusner points out that a juvenile must be 17 in South Carolina to buy a vehicle, again with a parent or defender bless on. She besides notes that Ohio requires a parent to file a minor accept form with the state of matter ‘s chest of drawers of drive vehicles if anyone under 18 wants title to a vehicle.
Liability protection is the first footprint when you insure a 17-year-old. Gusner says it may be a err to think state-mandated minimum coverage is enough. State minimums are normally not adequate. Medical bills and costs tied to property damage can start gamey and cursorily go higher, depending on the injuries to those involved. You do n’t want to be apt for out-of-pocket payments, then gain certain your basic liability coverage protects your assets. Besides raising your liability sum, Gusner suggests purchasing an umbrella policy, which raises liability protection after reaching those basic limits. An umbrella with $ 1 million or more of protection may be fair. If you ‘re financing your vehicle, comprehensive examination insurance and collision coverage are required. If you own your car outright, you can opt-out if you want, but that means you ‘re not covered for larceny, damage to your fomite from an accident or from hail, fire, floods and vandalism. The cost for comprehensive and collision insurance, on average, per class is $ 436, according to the Insurance Information Institute. The average annual rate for comprehensive examination is $ 139, and collision costs $ 297. If you opt for comprehensive and collision, consider higher deductibles to lower your rate. Of course, you ‘d then have to pay for minor repairs following an accident.
car indemnity companies base rates on risk. They consider a person ‘s driving experience, claims history, localization, type of fomite and other factors. A driver with a bad ( or a limited ) drive phonograph record will pay more than a motorist who has n’t filed a claim in a decade. adolescent drivers are safer than young adults from two decades ago. There are fewer adolescent driver-related fatalities immediately than in the 1990s. That ‘s specially true for younger adolescent drivers. however, car crashes are silent the number one killer of U.S. teens. They are besides more likely to get into accidents than any other senesce group. In the United States, the fatal crash rate per mile driven for 17-19 year-olds is closely three times the rate for drivers ages 20 and over. risk is highest at ages 16-17, according to the Insurance Institute for Highway Safety/Highway Loss Data Institute.
There is no law requiring adolescent drivers to have full moon coverage. however, if the car being driven is leased or financed, the lender will mandate that you have full moon coverage, including comprehensive and collision policy. To drive legally, you only need state required indebtedness indemnity, which pays for damage and injuries of others in accidents you cause. It doesn ’ t cover your own car. however, because teens are inexperienced, and as a demographic have more accidents than experienced drivers, it ’ randomness wise to have broad coverage on the car your adolescent drives. insurance applies to the car, not the driver. That means the coverage on the cable car that the adolescent is driving will apply to accidents and damage caused by the adolescent. Gusner recommends a full coverage policy of the following:
- $100,000 for injury liability for one person, to pay for medical bills for those injured in an accident you cause
- $300,000 for all injuries in one accident that’s your fault
- $100,000 for property damage you cause, for instance, to repair a car you hit
- Collision insurance, to pay for damage to your car regardless of fault in an accident
- Comprehensive, to pay for damage to your car from hail, flooding, fire, vandalism, animal strikes, and to replace it if stolen
It truly is worth the extra money to be amply protected during the time your adolescent is driving your car. otherwise, you can be on the bait to pay out of your own air pocket for even minor accidents that can exceed a bare-bones policy. The monetary value to jump from state minimum to wide coverage with a 17-year-old daughter on your policy is about $1,800, but that ’ s fair $150 a month for peace of mind. For a 17-year-old son, the cost to buy full coverage with him on your policy rather of state minimum is $1,966, or $164 a month.
Most states require that you have at least minimum liability insurance to drive. Liability policy is what covers damages a driver may cause to people or property in an accident. This besides applies to a 17-year-old, who must show that its owner ‘s policy presently covers the vehicle.
Safety, of course, is the crown precedence for all drivers. Besides protecting your adolescent, your policy ship’s company may show its taste for buying a safe car by trimming your rate. The Insurance Institute for Highway Safety (IIHS) offers some basics when looking for a vehicle:
- Big horsepower is not a good idea. “Vehicles with more powerful engines can tempt (young drivers) to test the limits,” says the IIHS.
- Try to get Electronic Stability Control (ESC). The IIHS says this feature, which helps maintain control on curves and slippery roads, is about as good at reducing risks as safety belts.
- Always consider cars with top safety reviews from the IIHS and National Highway Traffic Safety Administration.
CarInsurance.com is another valuable resource. It provides guidance, including a summation of the top cars for teens under $ 15,000 with high base hit ratings.
Summary: car insurance for a 17-year-old
Being the parent of a adolescent driver is nerve-racking and expensive. It may be tempting to get them their own policy to teach them independence, but adding your adolescent to your car policy policy is a great way to save money. Make certain you are leading by exercise. In other words, do n’t text and drive and then tell them it ‘s insecure for them to do the lapp thing. Provie exemplary drive demeanor, guarantee that your children are following GDL laws and workshop for car policy at each refilling to make sure you ’ re getting the best batch. These things will ensure your adolescent understands how to drive safely and will result in you paying the least come possible for their car insurance .