Car insurance for 17-year-olds on a family policy averages $621 monthly for full coverage and $307 monthly for minimum coverage. These rates reflect the added cost of insuring a teen driver, not the total family premium.

An individual policy for a 17-year-old costs $687 monthly for full coverage and $352 for minimum coverage. The $66 difference for full coverage adds up to nearly $800 annually. Family policies win for affordability.

Get your teen a car model known for low premiums, such as the Subaru Outback, MINI Cooper or Honda Odyssey, to keep costs down.

Where your 17-year-old drives makes a dramatic difference in insurance costs. The most expensive states charge more than 10 times what the cheapest states do.

Hawaii leads with the lowest rates at $203 monthly for full coverage. The state prohibits insurers from using age as a pricing factor. Seventeen-year-olds pay the same as 40-year-olds. Maine follows at $259 monthly, then Wyoming at $285, North Dakota at $293 and Vermont at $295.

Louisiana charges $1,014 monthly for full coverage, nearly five times Hawaii's rate. Florida ranks second at $897 monthly, followed by New Jersey at $843, Maryland at $809 and Nevada at $737. High population density, accident rates and insurance fraud contribute to these elevated costs.

Gender affects 17-year-old insurance rates in most states. Boys average $639 monthly for full coverage on a family policy. Girls average $603 monthly. That $36 gap exists because male teens have higher accident rates during their first years of licensed driving.

The difference is smaller for minimum coverage: boys pay $316 monthly compared to $299 for girls , a $17 gap. When drivers move past their early 20s and build clean driving records, this gender-based pricing difference narrows.

Six states prohibit gender-based pricing entirely. California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania require identical rates for boy and girl 17-year-olds regardless of coverage level.

A 17-year-old's driving record affects insurance costs right away. For minimum coverage on a family policy, a clean record averages $307 per month. One at-fault accident pushes that cost to $391 monthly. A DUI raises it to $491.

The gap widens with an individual policy. A 17-year-old with a clean record pays $352 per month for minimum coverage. After an at-fault accident, the rate jumps to $516 monthly. A DUI drives costs up to $699 per month.

Safe driving at age 17 saves money. A clean record costs $84 less per month than an at-fault accident and $184 less than a DUI. Those increases don't fade quickly. Violations at this age raise car insurance costs for several years.

GEICO offers the lowest rates for 17-year-olds at $422 monthly for full coverage and $180 monthly for minimum coverage. Travelers comes in second for full coverage at $489 monthly, while Encompass ranks third at $505 monthly.

Every insurer weighs rating factors differently. The cheapest company for a 25-year-old may not be the cheapest car insurance for a 17-year-old. Age, driving experience and violation history all factor heavily into teen pricing.

Teen drivers, particularly drivers aged 17 to 19, face higher insurance costs from their increased risk of motor vehicle crashes. The Centers for Disease Control and Prevention (CDC) found that the risk of motor vehicle crashes is highest among teens aged 17 to 19, almost three times that of drivers over age 20 per mile driven. This age group, especially male drivers, faces a higher crash death rate. The risk increases with each additional teen or young adult passenger in the car.

The Insurance Institute for Highway Safety (IIHS) found that teen drivers are nearly three times more likely to be in a fatal crash per mile driven compared to drivers over 20.

As teens gain driving experience and maintain safe driving records, their insurance rates decrease yearly. Several discounts and methods help reduce their insurance costs immediately.

Seventeen-year-olds are minors, so they can only buy individual car insurance with written consent from a parent or guardian.

But if a 17-year-old is legally emancipated, they have the same contractual rights as an adult and can purchase their own car insurance policy. If your teen driver borrows your car, add your child to your car insurance (this is more straightforward and cost-effective than the minor getting an independent policy).

To get cheap car insurance for 17-year-olds, add them to your family policy. Lower your teen driver's premiums using these methods:

Stack all available car insurance discounts to get cheap car insurance for teens. Enroll in telematics-based programs and secure safe driver discounts to encourage responsible driving, qualifying your teen for savings. Additional discounts can provide further financial relief for teens who drive less, such as students away at college or teens with low annual mileage.

Seventeen-year-old drivers on family policies pay $621 monthly for full coverage. Location impacts this figure. Hawaiian teens enjoy rates as low as $203 monthly. Louisiana teens face costs exceeding $1,000 monthly.

Individual policies cost $66 more per month than family coverage. Family policies are the clear financial winner. Maximize savings by pursuing good student discounts, maintaining clean driving records and shopping multiple insurers annually. As your teen matures and builds driving experience, rates decrease, dropping at ages 18, 19 and especially 25.

Whether you're a parent looking to add a teen to your policy or a young driver seeking information, we cover a range of topics to guide you through the ins and outs of car insurance for 17-year-olds.

Seventeen-year-old drivers crash three times more often than drivers over 20. Informed insurance decisions are needed for families. We analyzed full coverage and minimum coverage rates from major insurers across all 50 states to identify the most affordable options for 17-year-old drivers. Our methodology helps parents find legitimate savings while understanding exactly what coverage protects their teen behind the wheel.