Cheapest Car Insurance for 17-Year-Olds

State Farm offers the most affordable minimum liability coverage, costing approximately $1,548 annually, which is around 27% below the average rate for drivers on family policies. Other viable options include Concord Group and Auto-Owners, where available.

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Concord Group offers the cheapest full coverage car insurance rates, averaging about $1,608 annually when added to a family policy, though it may not be available in all areas. State Farm and Nationwide also provide competitive pricing for full coverage.

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Insurance costs for 17-year-olds can differ greatly depending on the state. Monthly premiums range from $57 to $348 for those on family policies. The following breakdown highlights the most affordable companies by state for this age group.

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.

Premiums for male and female drivers typically differ due to accident statistics. Young male drivers generally face higher premiums compared to their female counterparts. Below are the most budget-friendly national providers for both genders.

State Farm the best savings for 17-year-old female drivers among nationlly available providers, with rates about 30% below the national average, reflecting lower accident rates for this group. However, if you are in their service area Concord Group and Auto-Owners will likely be more affordable options.

Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

State Farm also stands out for male drivers among national providers, providing an average cost of $142 per month on family policies. More affordable options if you are in their service area include Concord Group and Auto-Owners.

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Choosing a suitable vehicle can help keep insurance costs manageable. Vehicles with strong safety ratings and lower repair costs often lead to reduced premiums. Below are the most affordable models by vehicle type to insure for 17-year-old drivers.

Rates are for drivers with clean driving records and good credit.

On average, 17-year-old drivers can expect to pay roughly $1,244 annually for minimum coverage and around $4,452 for full coverage. These average car insurance cost for 17-year-olds assume clean driving records and good credit, but actual rates may vary based on individual profiles.

The table below illustrates average insurance costs for adding 17-year-old drivers, broken down by gender and coverage level.

Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.

Factors such as population density, local regulations and weather can significantly impact insurance costs. Average monthly premiums across states range from $19 to $622 on average.

The elevated cost of car insurance for 17-year-olds is attributed to their classification as high-risk drivers. Drivers aged 16 to 19 have higher rates of accidents and violations, with fatal crashes occurring nearly three times more often than for older drivers. Factors like nighttime driving, speeding and distractions are common risk enhancers, particularly for male drivers.

Though young drivers face the highest premiums, there are strategies for cost reduction:

While insurance for 17-year-olds is typically expensive, joining a family policy, comparing insurers and leveraging available discounts can lead to more affordable options. State Farm frequently offers some of the most cost-effective rates, but shopping around remains key for securing the best deal.

Finding the best affordable car insurance for 17-year-olds can be daunting due to the risk factors that drive up premiums for this age group. We've answered some of the most frequently asked questions on the topic to assist you:

MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 17-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.

Data Sources and Depth

We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.

Sample Driver Profile

MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:

• Toyota Camry LE
• Clean driving record
• 12,000 miles driven every year

To determine which companies provide the most affordable policies, MoneyGeek compared rates for 17-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.

Coverage Levels and Deductibles Explained

A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.

For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.