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Car insurance for 17-year-olds

Every teen driver needs car insurance to protect them while on the road. But the national average cost of an insurance policy for a 17-year-old driver is around $4,060, so it can get expensive. 

Whether you’re looking for yourself or someone you know, discover how to get the best car insurance deals for 17-year-olds. 


Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Written by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: January 25th, 2024

Best car insurance for 17-year-olds

17-year-old drivers have many options for purchasing an auto insurance policy to protect them and other drivers while on the road. 

Car insurance is necessary for all drivers, but teen drivers are among the most expensive to insure. Fortunately, you can do a few things to get the best car insurance for 17-year-old drivers.  

The first is to shop around and compare rates from different auto insurance providers. Ask about discounts and consider the type and amount of insurance you need. You can also choose a higher deductible to lower your monthly premium. Lastly, by practicing safe driving and keeping a clean record, you’ll be able to get lower rates in the future. 

Here is a sample of the average rates for a 17-year-old male policyholder at some of the top insurance companies that cover a large portion of the US. 

Company Average Annual Premium
USAA 4,951
Auto-Owners Insurance 5,319
State Farm 5,607
Nationwide 6,012
Geico 6,511
Travelers 7,709
Progressive 8,521
Allstate 9,024
Farmers 10,804

Annual rates for a male driving a 2022 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

Cheap car insurance for 17-year-olds

Average cost of car insurance for 17-year-olds

17-year-olds are part of the most expensive age group to insure: young drivers. Along with age, where you live and the car you drive impact the cost of car insurance, so we recommend researching the cheapest cars to insure for 17-year-olds before purchasing a vehicle.  

Here are the average rates in each state for a 17-year-old policyholder driving a 2022 RAV4. 

Unique factors that contribute to cost for 17-year-olds

Car insurance costs vary for people of all ages, depending on where they live, their gender, and their car make, model, and age. However, 17-year-old drivers encounter additional factors that contribute to the price they pay for car insurance.  

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Auto insurance companies consider 17-year-olds high-risk drivers. Whether it’s speeding, distracted driving, or simply underestimating the danger of the road, risky behaviors can lead to severe accidents. As a result, insurers charge teenage drivers higher rates to offset the increased risk. 

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While 17-year-olds can purchase their own car insurance policy, it is typically more expensive for 17-year-olds to own their own policy vs. their parent adding the teen to an existing policy. If possible, we recommend parents add their teens to their existing auto insurance policy to save some money. 

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Most insurance companies give discounts to customers who pay their annual premiums in full rather than in monthly installments throughout the year.

How to get affordable car insurance for 17-year-olds

Finding the best car insurance deals for 17-year-olds doesn’t have to be difficult. While teenager drivers pay more for auto insurance, there are ways to find affordable policies from top providers. 

1. Shop around and compare car insurance rates

Regardless of if the teen wants to purchase their own policy or if their parents want to add them to a family policy, shopping around and comparing rates from top insurance companies is the best way to find affordable car insurance for 17-year-olds.  

First, compare policies with the same coverage levels for the most accurate price. Secondly, consider the deductible. A higher deductible will result in a lower premium, meaning you’ll pay less monthly but more out of pocket in the event of an accident.  

Find the best companies for you and start comparing today with Rate Retriever 

2. Ask about teen driver discounts

Some auto insurance providers may offer 17-year-old drivers discounts to lower the cost of insurance, including: 

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Teenagers in high school, college, or a vocational program can typically qualify for discounts if they have at least a B average in their classes.

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Teenagers attending college at least 100 miles away from their home may be able to receive a discount on auto insurance.

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Insurance companies sometimes offer a discount if a teenager successfully completes a Driver’s Education course.

3. Make sure you have the coverage you need

Every state has auto insurance laws that determine the minimum type and amount of car insurance required to operate a motor vehicle legally in the state. The best car insurance for 17-year-old drivers may include additional policies for added protection. 

Car insurance FAQs for 17-year-olds

Can a 17-year-old get their own car insurance?

Yes, a 17-year-old can get their own car insurance. However, teenage drivers will usually pay more for their own insurance policy than they would if they were added to a parent’s existing policy.

What are the best car insurance deals for 17-year-olds?

The best car insurance for 17-year-old drivers depends on the teenager’s driving record, geographical area, car type, and budget. Ultimately, the best car insurance company for a 17-year-old will be the one that provides the coverage they need at a price they can afford.

Compare how much insurance costs at the top insurance companies near you

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Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.  

For the data on this page, we made the following assumptions: a single male with a clean driving record and Good credit score, driving a 2022 RAV4. We adjusted this profile by age to determine the rates you see on this page. 

These rates are not actual quotes and should be used only for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.