Car insurance for 17-year-olds

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Drivers who are 17 may have a year of experience on the road, but insurance companies still view them as inexperienced drivers. Adding a teen driver to your auto insurance policy will likely increase your premium, but understanding what makes up your teen’s rate and how to keep costs as low as possible might help you find the best car insurance for your family.

In our search for the best car insurance for 17-year-olds, we first obtained premium information from Quadrant Information Services. We also reviewed the coverages, discounts, policy features and third-party rankings for the largest insurers by market share in the United States. If you have a 17-year-old driver to insure, our research might help you find the coverage you need at a price you feel comfortable paying.

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

The average cost of full coverage car insurance for a 17-year-old driver is $2,376 per year. For comparison, the average cost of full coverage car insurance in the U.S. is $1,674 per year. Because 17-year-olds are still minors and cannot own a policy themselves, this premium reflects the difference in price to add the teen to their parents’ policy. This figure does not include insuring a vehicle purchased for your 17-year-old to drive.

Teens are among the most expensive drivers to insure, due to their lack of driving experience. According to the Centers for Disease Control, teens between the ages of 16 and 19 are at a greater risk of car crashes than any other age group. Since there is a greater likelihood that they will file a claim, insurance carriers charge more to cover teenage drivers.

Average car insurance costs for 17-year-old men and women

In addition to age, gender is often a factor in determining car insurance rates. In general, males pay more for car insurance because men are more likely to be risky drivers, engaging in driving habits like speeding and not wearing seat belts. For this reason, males are seen as a higher risk and are charged accordingly.

The table below illustrates the average annual full coverage premium for 17-year-old male and female drivers.

Average annual full coverage premium for 17-year-old man Average annual full coverage premium for 17-year-old woman
$2,612 $2,141

These rates do not account for accidents or traffic violations. Having incidents like these on your driving record will result in a higher car insurance rate. Additionally, there are other factors that impact your car insurance premium, like where you live.

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

Each state has its own laws surrounding insurance coverage, causing rates to vary depending on your location. Every geographic area of the country also has its own statistics pertaining to the number and severity of car crashes, the cost of car repairs and the likelihood of weather-related damage.

The table below illustrates the average annual full coverage car insurance premium for 17-year-old males and females by state. Some states, like Massachusetts and Pennsylvania, bar insurance companies from using gender in determining premiums.

State Average annual full coverage premium for 17-year-old male Average annual full coverage premium for 17-year-old female Overall average annual full coverage premium
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** $1,851 $1,850 $1,850
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, D.C. $2,520 $1,750 $2,135
Washington $1,952 $1,507 $1,729
West Virginia $2,372 $1,775 $2,074
Wisconsin $1,659 $1,356 $1,508
Wyoming $2,350 $1,588 $1,969

*Hawaii does not factor age into rates for 17-year-old drivers. This data is not available.
**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 research, the following companies might be worth your consideration as you search for the best car insurance for 17-year-olds:

Car insurance company Average annual full coverage premium for 17-year-old males Average annual full coverage premium for 17-year-old females Overall average annual full coverage premium
Allstate $2,691 $1,926 $2,308
Erie $1,362 $1,028 $1,195
Nationwide $1,226 $988 $1,107
State Farm $2,165 $1,555 $1,860

Allstate

Allstate’s average premium for 17-year-olds might be a closing in on the national average premium, but the company still has a lot to offer. The Drivewise program can help your teen learn safe driving habits and allow you to monitor their driving patterns, all while saving you money. Smart students can also earn a discount. But perhaps the most alluring feature of all is the teenSMART safety program. This program is specifically geared toward teen drivers and addresses the driving behaviors that account for the overwhelming majority of teen crashes. The program does cost money to participate in, but Allstate customers get a discounted rate.

Learn more: Allstate Insurance review

Nationwide

Aside from its affordable rates, Nationwide is one of the best insurance companies for 17-year-old drivers for its coverage options and available discounts. Nationwide offers special auto coverages such as accident forgiveness, which helps you avoid rate increases following your first at-fault accident or minor traffic violation. Additionally, full-time students between the ages of 16 and 24 who maintain at least a B grade average are eligible for a discount on their premium. Drivers can also take advantage of the vanishing deductible option, which allows you to earn $100 off your deductible for each year of safe driving, up to $500.

Learn more: Nationwide Insurance review

Erie

Erie provides competitive rates for teen drivers along with plenty of coverage options and discounts tailored for this age group. For example, the carrier’s roadside and rentals bundle might give you peace of mind that your 17-year-old driver will be taken care of during a roadside emergency. Additionally, with Erie’s Rate Lock feature, policyholders lock in their rates, only experiencing a change if they make certain adjustments to their policy, like changing their address or adding a vehicle. Erie also offers a discount to unmarried drivers under the age of 21 who live with their parents in all states except North Carolina.

Learn more: Erie Insurance review

State Farm

For teens whose parents like to keep all their policies in one place, State Farm might be a good option. The company offers a wide range of insurance and financial products, sold and managed by a network of local agents. Teens might be able to save money with State Farm by being good students, taking a driver education course and participating in the company’s Steer Clear safe driving program. And if you are looking for a company with a solid track record, look no further. State Farm is the largest insurer of personal autos in the U.S.

Learn more: State Farm Insurance review

Cheapest car insurance for 17-year-olds

Because teens are expensive to insure, many families are likely interested in finding the cheapest coverage possible. Choosing a company with cheap average rates can go a long way toward keeping your costs down.

Car insurance company Average annual full coverage premium for 17-year-old males Average annual full coverage premium for 17-year-old females Overall average annual full coverage premium
Nationwide $1,226 $988 $1,107
Erie $1,362 $1,028 $1,195
The Hartford $1,590 $1,553 $1,572
USAA $1,729 $1,470 $1,599
Geico $1,990 $1,568 $1,779

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 teen will depend on your individual rating factors. Your teen’s driving record, the car they drive and the coverages and limits you choose will all impact your premium.

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

Although the price to insure a teen driver can be unnerving, there are numerous ways to save money. Most insurance companies offer discounts to help you offset the premium increase you will experience after adding your 17-year-old driver.

Good student discounts

Most insurance providers offer discounts to students who are able to maintain good grades in school. Every company has its own qualifications, so be sure to check with your carrier to see if your 17-year-old qualifies. The table below illustrates how significantly a good student discount can reduce your annual premium.

Without good student discount With good student discount Difference
Male $2,612 $2,171 -17%
Female $2,141 $1,817 -15%
Overall $2,376 $1,994 -16%

Reduced mileage or mileage tracking discounts

Many insurance 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 school. Your provider may also offer usage-based driving programs, which will track your teen’s mileage and adjust your premium based on the actual number of miles your teen has driven.

Safe driving discounts

One of the easiest ways to reduce your car insurance premium is by maintaining a good driving record. Many insurance carriers will apply a safe driving discount when drivers have avoided accidents and traffic violations for a certain number of years, which varies by carrier. Some carriers offer discounts for tracking your driving patterns via a mobile app or plug-in device.

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

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

Frequently asked questions

What is the best car insurance company?

Selecting the best car insurance company means finding the insurance provider that is capable of meeting your unique needs. Because everyone brings a different set of factors to their search for insurance, the best company will vary. Reviewing quotes from multiple insurance providers and comparing discounts and coverages can help you find the right policy for your needs.

Should I adjust my coverage when adding a teen driver?

Adding a teen driver to your policy can dramatically increase your premium. Because of this, you may be tempted to reduce your coverage to save money. Since teens are high-risk drivers, insurance professionals do not recommend that you lower your coverage limits. Taking advantage of as many discounts as you can is often a better way to save money and maintain the peace of mind that your insurance coverage is sufficient.

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

If you have a 16- or 17-year-old driver, they will need to be added as a licensed driver to your policy, or to a policy belonging to someone over 18. Once a driver reaches 18, they can purchase their own insurance policy. However, older teenagers will likely pay more on their own policies than if they stay on their parents’ policy. As long as your teen lives in your household, or is living on a college campus, your insurance company will likely allow them to stay on your policy.

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

The car your teen drives will have a big impact on how much insurance will cost. Because of accident statistics, the price of parts and labor and available safety features, some cars are cheaper to insure than others. If you are looking for a car for your teen, most insurance professionals recommend that you get quotes for the vehicle before you purchase it. That way, there are no surprises when you add the vehicle and your teen to your policy, and you have a clearer picture of the financial implications of a certain car for your teen.

Methodology

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 additional cost of a 17-year-old male and female teen driver added to their 40-year-old parents’ policy (with clean driving 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services data.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with nearly a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Loans Editor
Reviewed by
Assistant Vice President & Claims Field Manager