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.
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Written by Alyssa DiCrasto
Last updated: January 25, 2023
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 |
|---|---|
| State Farm | 4,973 |
| Auto-Owners Insurance | 4,976 |
| Nationwide | 5,218 |
| Geico | 5,442 |
| Travelers | 6,051 |
| Allstate | 7,654 |
| Progressive | 8,915 |
| Farmers | 11,609 |
| Safeco Insurance | 12,650 |
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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.
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.
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.
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.
Some auto insurance providers may offer 17-year-old drivers discounts to lower the cost of insurance, including:
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.
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.
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.
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The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.
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 should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.
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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.
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