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How much is car insurance for a 17-year-old?

The average cost of full moon coverage car insurance to add a 17-year-old driver to their parents ’ existing policy is $ 2,250 per year. For comparison, the modal price of full moon coverage cable car policy in the U.S. is $ 1,674 per year. Because 17-year-olds are still minors and can not purchase a policy themselves, this premium reflects the difference in price to add the adolescent to their parents ’ policy, not the total monetary value of the policy. This human body is for a shared family fomite and does not include insuring a car specifically purchased for your 17-year-old to drive. Teens are among the most expensive drivers to insure, due to their miss of driving experience and high accident rates. According to the Centers for Disease Control, teens between the ages of 16 and 19 are at a greater gamble of car accidents than any other age group. Since there is a greater likelihood that adolescent drivers will cause accidents, indemnity carriers charge more to cover them .

Average car insurance costs for 17-year-old males and females

In addition to age, gender is much a component in determining car policy rates. In general, males pay more for car policy because men are more probably to be hazardous drivers, engaging in driving habits like speeding and not wearing seat belts. For this reason, males are generally seen as a higher gamble and are charged consequently, typically regardless of age. however, car policy companies in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania are banned by state indemnity regulations from using gender as a evaluation gene when setting premiums. The postpone below illustrates the average annual full coverage bounty for 17-year-old male and female drivers .

Average annual 17-year-old male premium Average annual 17-year-old female premium Average annual 17-year-old premium
Average premium increase $2,485 $2,015 $2,250
Average total premium* $4,110 $3,650 $3,875

*Rate reflects the total average annual agio for a 16-year-old driver added to a marry rear ’ second policy These rates are for good drivers with a clean motor vehicle criminal record ( MVR ) and do not reflect if a driver has at-fault accidents or dealings violations. Having incidents like these on your MVR will result in a higher car policy rate. additionally, early individual rate factors impact your car insurance premium, like the brand and model of your vehicle, numeral of miles driven per annum, and car claim history .

Average car insurance cost for 17-year-olds by state

Each state has its own laws surrounding policy coverage, causing rates to vary depending on your location. Every geographic area of the country besides has its own statistics pertaining to the book and badness of car accidents, the cost of car repairs and the likelihood of weather-related damage. The table below illustrates the average annual entire coverage car indemnity premium for 17-year-old males and females by state of matter. insurance companies are not allowed to use sex in determining car premiums in seven states. Your premium will besides likely vary by the city and even the specific ZIP code you live in ; some cities are more expensive for parents of adolescent drivers .

State Average annual full coverage premium increase for 17-year-old males Average annual full coverage premium increase for 17-year-old females Overall average annual full coverage premium increase
Alabama $2,686 $2,188 $2,437
Alaska $2,251 $1,586 $1,918
Arizona $2,693 $2,148 $2,421
Arkansas $2,774 $2,141 $2,458
California** $3,308 $3,263 $3,286
Colorado $3,020 $2,353 $2,687
Connecticut $2,983 $2,172 $2,578
Delaware $2,539 $1,931 $2,235
Florida $4,446 $3,638 $4,042
Georgia $3,123 $2,349 $2,736
Hawaii* N/A N/A N/A
Idaho $1,611 $1,201 $1,406
Illinois $2,301 $1,746 $2,023
Indiana $1,950 $1,473 $1,711
Iowa $1,629 $1,178 $1,404
Kansas $2,189 $1,566 $1,878
Kentucky $3,508 $2,680 $3,094
Louisiana $4,291 $3,426 $3,859
Maine $1,453 $1,071 $1,262
Maryland $2,903 $2,115 $2,509
Massachusetts** N/A N/A N/A
Michigan** $3,134 $3,110 $3,122
Minnesota $2,119 $1,721 $1,920
Mississippi $2,311 $1,631 $1,971
Missouri $2,366 $1,671 $2,019
Montana** $2,067 $2,067 $2,067
Nebraska $1,717 $1,257 $1,487
Nevada $3,332 $2,528 $2,930
New Hampshire $1,915 $1,384 $1,650
New Jersey $2,320 $1,837 $2,078
New Mexico $1,992 $1,483 $1,737
New York $3,629 $2,735 $3,182
North Carolina** $1,092 $1,065 $1,078
North Dakota $1,557 $1,145 $1,351
Ohio $1,704 $1,254 $1,479
Oklahoma $2,493 $1,847 $2,170
Oregon $2,046 $1,655 $1,851
Pennsylvania** $2,206 $2,206 $2,206
Rhode Island $3,107 $2,322 $2,715
South Carolina $2,135 $1,611 $1,873
South Dakota $1,613 $1,218 $1,416
Tennessee $2,150 $1,655 $1,903
Texas $2,893 $2,232 $2,562
Utah $2,411 $1,830 $2,120
Vermont $2,533 $1,963 $2,248
Virginia $2,111 $1,570 $1,840
Washington $1,952 $1,507 $1,729
Washington, D.C. $2,520 $1,750 $2,135
West Virginia $2,372 $1,775 $2,074
Wisconsin $1,659 $1,356 $1,508
Wyoming $2,350 $1,588 $1,969

*Hawaii and Massachusetts do not allow insurers to factor old age into rates. therefore, this datum is not available in these two states. **These states do not allow insurers to rate consumers differently based on gender.

Best car insurance companies for 17-year-olds

Choosing a company with coverage and discount options tailored to the needs of 17-year-old drivers can be important. Based on our inquiry, the following companies might be worth your consideration as you search for the best car indemnity for 17-year-olds :

Car insurance company Average annual full coverage premium increase for 17-year-old males Average annual full coverage premium increase for 17-year-old females Overall average annual full coverage premium increase
Allstate $2,518 $1,951 $2,182
Erie $1,120 $1,125 $1,123
Nationwide $1,279 $983 $1,104
State Farm $2,082 $1,571 $1,769


Allstate ’ south average bounty for 17-year-olds might be the highest on our list, but the caller still has a distribute to offer. The Drivewise course of study can help your adolescent learn safe driving habits and allow you to monitor their drive patterns, all while saving you money. smart students could besides earn a discount. possibly the most alluring sport of all is the teenSMART safety platform. This course of study is specifically geared toward adolescent drivers and addresses the drive behaviors that account for the overpower majority of adolescent crashes. The program has a participation fee, but Allstate customers get a dismiss rate. Learn more : Allstate Insurance review


Erie provides competitive rates for adolescent drivers and plenty of coverage types and discounts tailored for this senesce group. For case, the aircraft carrier ’ mho wayside and rentals bundle might give you peace of take care that your 17-year-old driver would be taken worry of during a wayside emergency. additionally, with Erie ’ randomness Rate Lock feature, policyholders lock in their rates, lone experiencing a change if they make certain adjustments to their policy, like changing their address or adding a vehicle. Erie besides offers a dismiss to unmarried drivers under 21 who live with their parents in all states where it offers car coverage except North Carolina. Erie is only available in 12 states and Washington, D.C., and may not be an choice for drivers in many parts of the country. however, the company carries an A+ ( Superior ) fiscal force rate from AM Best. Learn more: Erie Insurance inspection


digression from its low-cost rates, Nationwide is one of the best policy companies for 17-year-old drivers for its coverage options and available discounts. countrywide offers special car coverage options such as accident forgiveness, which helps you avoid pace increases following your first at-fault accident. additionally, full-time high school and college students between the ages of 16 and 24 who maintain at least a B grade average are eligible for a dismiss on their premium. Nationwide does have a lower-than-average claims satisfaction score from J.D. Power, though, which means that current customers may be less than satisfied with the carrier ’ randomness claims process. Learn more : nationally Insurance review

State Farm

For teens whose parents like to keep all their policies in one topographic point, State Farm might be a good option. The company offers a wide range of indemnity and fiscal products, sold and managed by an exclusive network of more than 19,000 local agents. Teens might be able to save money with State farm by being dear students, taking a driver department of education course and participating in the company ’ s Steer Clear safe driving program that tracks the driving habits of youthful drivers. One downside is that the carrier has a higher-than-average overall complaint index rate from the National Association of Insurance Commissioners ( NAIC ), which indicates that NAIC receives more policyholder complaints about State Farm than average. Learn more : State Farm Insurance review

Cheapest car insurance for 17-year-olds

Because teens are expensive to insure, many families are likely concern in finding the cheapest adolescent car policy possible. Choosing a company with bum average rates can go a long way toward keeping your costs down .

Car insurance company Average annual full coverage premium increase for 17-year-old males Average annual full coverage premium increase for 17-year-old females Overall average annual full coverage premium increase
Nationwide $1,279 $983 $1,104
Erie $1,120 $1,125 $1,123
The Hartford $1,384 $1,689 $1,521
USAA $1,738 $1,462 $1,565
Geico $1,768 $1,613 $1,675

Although the average rates offered by these companies are lower than the average premium for a 17-year-old driver, bear in mind that the premium you will pay for your adolescent driver will depend on several individual rat factors. Your adolescent ’ second drive read, the car they drive and the coverage types, limits and deductibles you choose will all impact your bounty .

How to save on car insurance when insuring a 17-year-old

Although the price to insure a adolescent driver can be faze, there are numerous ways to save money. Most indemnity companies offer car policy discounts for students to help you offset the agio increase you will likely experience after adding your 17-year-old driver .

Good student discounts

Most policy providers offer discounts to students who are able to maintain good grades in school. Every car policy party has its own qualifications, then be certain to check with your carrier wave to see if your 17-year-old qualifies. Some major companies that offer good student discounts include Allstate, Geico and Nationwide, to name a few .

Reduced mileage or mileage tracking discounts

many policy carriers offer reduced rates for drivers who drive under a certain number of miles per year. This can be an ideal solution to lower premiums for teens, who may only be driving to and from educate. Your provider may besides offer pay-per-mile telematics programs, which will track your adolescent ’ south mileage and adjust your premium based on the actual phone number of miles your adolescent has driven .

Safe driving discounts

One of the easiest ways to reduce your car indemnity agio is by maintaining a dear drive record. many insurance carriers will apply a safe drive deduction when drivers have avoided accidents and traffic violations for a certain numeral of years, which varies by carrier. Some carriers offer discounts for tracking your driving patterns via a mobile app or circuit board device in what are called usage-based policy programs .

How to get the best car insurance for a 17-year-old

Since adolescent drivers are viewed as a higher risk, they tend to be expensive to insure. however, by obtaining quotes from multiple companies, teaching your adolescent safe driving habits and taking advantage of available discounts, you may be able to find an policy policy that works for you and your family .

Frequently asked questions

What is the best car insurance company?

Because each driver has a different hardened of circumstances deoxyadenosine monophosphate well as unlike wants, needs and preferences, there international relations and security network ’ t one company that will be best for everyone. One of the best strategies to find the best party for you is to understand your needs and patronize about. Reviewing quotes from multiple insurance companies and comparing discounts and coverage types can help you find the right policy for your needs .

Should I adjust my coverage when adding a teen driver?

Adding a adolescent can increase your premium substantially, and it could be tempting to lower coverage levels or remove entire coverage types to save money. While there ’ s not a one-size-fits-all answer to what coverage types and levels you should carry, insurance agents typically recommend against lowering coverage to lower your charge. particularly because teens are a higher risk for accidents, lower limits could put you at a greater hazard for out-of-pocket expenses after an accident. Shopping around and use discounts is a dependable strategy to lower your bounty while maintaining an adequate degree of fiscal protection .

Do I have to add my teenager to my car insurance?

Teens under 18 are minors and can ’ thyroxine purchase their own car insurance policies in most circumstances, so 16- and 17-year-olds will likely need to be listed on an adult ’ s family car policy. Once a driver turns historic period 18, they can purchase their own policy policy. however, older teenagers will likely pay a higher bounty on their own policies than if they stay on their parents ’ policy. arsenic retentive as your adolescent lives in your family or lives on a college campus, your policy company will likely allow them to stay on your policy, and they will be required to stay on your policy a farseeing as they are driving a vehicle you own .

What kind of car should a 17-year-old drive?

The car your adolescent drives will have a big impact on how much indemnity will cost. Because of accident statistics, the price of substitution parts and british labour party and available base hit features, some cars are cheaper to insure than others. If you are looking for a car for your adolescent, most indemnity professionals recommend that you get indemnity quotes for the vehicle before you purchase it. That room, there are no surprises when you add the vehicle and your adolescent to your policy, and you have a clearer mental picture of the fiscal implications of a sealed car for your adolescent .


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on the extra cost of a 17-year-old male and female adolescent driver added to their 40-year-old parents ’ policy ( with clean drive records, good credit and the following full coverage limits ) :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each country ’ south requirements. Our sample drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum. These are sample rates and should be used for relative purposes only. Your quotes may be unlike.

Rates are determined based on 2021 Quadrant Information Services datum. Gender: Seven states prohibit car insurers from using sex as a determining factor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Age: Massachusetts and Hawaii prohibit car insurers from using age as a evaluation factor .

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