Cheap Auto Insurance for 17-Year-Olds in 2025 (Big Savings With These 9 Companies!)
Find cheap auto insurance for 17-year-olds with Progressive, Geico, and State Farm, the top three providers offering rates from $408 monthly. Unlock teen-specific perks like Progressive’s young driver discounts, Geico’s safe-driving rewards, and State Farm’s local agent access for new drivers.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 26, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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18,154 reviewsProgressive, Geico, and State Farm offer the cheapest auto insurance for 17-year-olds, with Progressive being our top pick for affordable coverage.
Our Top 9 Company Picks: Cheap Auto Insurance for 17-Year-Olds
| Company | Rank | Monthly Rates | Good Student Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $408 | 10% | Cheap Rates | Progressive |
 | #2 | $416 | 15% | Safe-Driving Discounts | Geico |
 | #3 | $425 | 25% | Local Agents | State Farm |
 | #4 | $432 | 20% | Student Savings | Allstate |
 | #5 | $442 | 15% | Customizable Policies | Farmers |
 | #6 | $454 | 15% | Vanishing Deductibles | Nationwide |
 | #7 | $461 | 15% | Usage Discount | Liberty Mutual |
 | #8 | $477 | 10% | Online Convenience | Esurance |
 | #9 | $486 | 8% | Roadside Assistance | Travelers |
Each of our top three companies offers affordable auto insurance for 17-year-olds, along with discounts and great coverage for new drivers.
There are also multiple other auto insurance companies that 17-year-olds can choose from, such as Liberty Mutual or Farmers. Check out the top companies that offer cheap auto insurance for 17-year-olds.
- Progressive’s coverage for teen drivers costs $408 a month
- Cheap car insurance for 17-year-olds is possible with a clean driving record
- Teens can lower costs with safe vehicles and driver education courses
Discover the cheapest auto insurance companies for 17-year-olds offering big savings and flexible coverage options by entering your ZIP code into our free quote comparison tool
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#1 – Progressive: Top Pick Overall
Pros
- Cheapest Rates on Average: Progressive has the cheapest average rates for 17-year-old drivers.
- Snapshot Program: Young drivers can participate in Progressive’s Snapshot program and earn a discount for safe driving. Learn more in our Progressive Snapshot review.
- Variety of Coverages: Progressive has multiple coverages for drivers to choose from, such as roadside assistance. Read more in our Progressive auto insurance review.
Cons
- Rates May Vary: Progressive is the cheapest for 17-year-old drivers with good driving records, but rates may not be the cheapest at Progressive if a driver has an accident, traffic ticket, or other blips on their driving record.
- No-Fault Accidents May Raise Rates: Even if a young driver didn’t cause an accident, they may still see a slight rate increase after an accident.
#2 – Geico: Best for Safe-Driving Discounts
Pros
- Competitive Rates: Geico consistently has cheap rates for most drivers, including 17-year-olds.
- Various Discounts: Geico offers numerous auto insurance discounts, which can help younger drivers save on their policies.
- Well-Rated App: Geico’s app and website are easy to use, allowing 17-year-olds to quickly check their policy details and rates.
Cons
- Varied Customer Service Reviews: Geico’s customer service reviews are not all positive, with most complaints focusing on claim issues.
- Coverages Aren’t as Varied: Geico offers multiple coverages but doesn’t provide a few add-on options, such as gap insurance (read more in our Geico auto insurance review).
#3 – State Farm: Best for Local Agents
Pros
- A Large Network of Local Agents: 17-year-old drivers can easily get in-person assistance at State Farm, which can be helpful when purchasing their first policy.
- Good Student Discounts: State Farm offers discounts to students with a B average or higher. Learn more about State Farm auto insurance discounts.
- Financial Stability: State Farm has high financial stability ratings, making it a financially well-established auto insurance company.
Cons
- Inconsistent Customer Service: Because State Farm has so many agents, the customer service you experience with one agent may not be as good as the customer service you experienced with the last agent you used.
- Rates May Be Higher: Some 17-year-old drivers may have higher rates due to their driving record or the area where they live. Learn more here: State Farm Auto Insurance Review.
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#4 – Allstate: Best for Student Savings
Pros
- Drivewise Program: 17-year-old drivers can participate in the Drivewise program and receive discounts for demonstrating safe driving habits.
- Multiple Coverage Options: Drivers can choose from various auto insurance options, including roadside assistance. Learn more in our Allstate auto insurance review.
- Strong Financial Stability: Allstate is a well-established company with strong financial stability for paying out claims.
Cons
- Higher Rates Than Other Companies: Allstate’s average rates tend to be higher than those of other companies on the market.
- Mixed Customer Service Reviews: Like most companies, Allstate receives mixed customer reviews for services like claims processing.
#5 – Farmers: Best for Customizable Policies
Pros
- Good Student Discounts: 17-year-olds can earn a discount at Farmers with a B average or higher (read more in our Farmers auto insurance review).
- Multiple Coverage Options: Farmers offers a variety of comprehensive policy options to provide complete protection for 17-year-old drivers.
- Flexible Insurance Policies: 17-year-olds can add and drop coverages as needed to adjust the rates to meet their budget.
Cons
- Discount Availability Varies by Location: Not all of Farmers’ auto insurance discounts are offered in every area.
- Rates Vary by Location: Farmers’ rates may not be the cheapest option in some states.
#6 – Nationwide: Best for Vanishing Deductibles
Pros
- Vanishing Deductibles: Nationwide has a vanishing deductible program, so young drivers can reduce their deductible each year they go accident-free.
- Multiple Coverage Options: 17-year-old drivers have a range of coverage options to choose from for comprehensive protection on their vehicles.
- Strong Financial Stability: Nationwide is well-established and can handle claim payments without financial distress.
Cons
- Mixed Customer Service Reviews: Nationwide’s customer service reviews vary. Read more about Nationwide’s customer service in our Nationwide auto insurance review.
- Rates Can Vary: Rates may be higher for specific demographics, so it’s essential to get quotes before committing.
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#7 – Liberty Mutual: Best for Usage Discount
Pros
- Multiple Coverages: Liberty Mutual offers a variety of auto insurance coverages to choose from. Learn more in our Liberty Mutual auto insurance review.
- RightTrack Program: Young drivers can earn a discount by demonstrating safe driving habits on the RightTrack program.
- Good Student Discount: Liberty Mutual also offers a good student discount for students with a B average or higher.
Cons
- RightTrack Continuously Monitors Driver Data: Drivers who are concerned about data privacy may not want to participate in a usage-based program like RightTrack.
- Rates May Vary: Liberty Mutual may not be the cheapest in some areas, so 17-year-old drivers should compare quotes.
#8 – Esurance: Best for Online Convenience
Pros
- Convenient Website and App: Esurance’s website and app are easy to use, so young drivers can easily manage their policies.
- Easy Claims Process: Esurance has a quick and easy claims filing process, making it easy for young drivers to file a claim after an accident.
- Multiple Coverages: Esurance offers a wide range of auto insurance coverage options for drivers to choose from. Learn more in our Esurance auto insurance review.
Cons
- Limited Availability: Esurance is not available in every U.S. state.
- Lack of Local Agents: Esurance has a limited number of local agents, so drivers must communicate online or over the phone.
#9 – Travelers: Best for Roadside Assistance
Pros
- Strong Financial Stability: Travelers is well-established and has good ratings for financial stability, which you can learn more about in our Travelers auto insurance review.
- Multiple Coverage Options: Travelers has a good selection of auto insurance coverages for young drivers to choose from.
- Easy-To-Use Website and App: Young drivers can easily manage their policies online at Travelers.
Cons
- Mixed Customer Reviews: Some customers have negative reviews regarding claims processing at Travelers.
- Limited Discounts: Travelers doesn’t offer as many discounts as other auto insurance companies.
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Car Insurance Policies for 17-Year-Old Drivers
At 17, you can buy a car insurance policy in your name, but you’ll need a parent or guardian to cosign the policy to guarantee financial responsibility.
That’s because 17 is below the legal age for signing binding contracts in every state. If you’re an emancipated minor with a court order freeing you from guardianship before you turn 18, you can sign contracts like car insurance policies even at age 17.
Teens are considered high-risk drivers, so their insurance premiums tend to be higher. Discounts on an existing plan can help offset these increases. Below, you can see the top discounts for 17-year-olds offered at the cheapest auto insurance companies.
17-Year-Old Drivers Auto Insurance Discounts by Provider
| Insurance Company | Programs | Available Discounts |
|---|---|---|
| Drivewise | Good Student Discount, Smart Student Discount, Resident Student Discount |
| DriveSense | Good Student Discount, DriveSense Program, Pac-12 Alumni Discount |
| Signal® | Good Student Discount, Distant Student Discount, Youthful Driver Discount |
| DriveEasy | Good Student Discount, Driver's Education Discount, Defensive Driving Discount |
| RightTrack | Student-Away-at-School Discount, Multi-Car Discount, Good Student Discount |
| SmartRide | Good Student Discount, SmartRide Program, Multi-Policy Discount |
| Snapshot | Good Student Discount, Distant Student Discount, Snapshot Program |
| Drive Safe & Save | Good Student Discount, Steer Clear Safe Driver Discount, Student Away at School Discount |
| IntelliDrive | Good Student Discount, Student Away at School Discount, IntelliDrive Program |
You will likely need to buy your own car insurance if your car is in your name. Most of the time, the name on the vehicle title and the car insurance policy need to match for proper insurance.
17-Year-Old Driver Auto Insurance Rates
New drivers, especially teenagers, can pay more than double an adult driver’s car insurance premiums. This is because new drivers pose a high risk of accidents. After all, they don’t have enough driving experience yet.
17-Year-Old Drivers Full Coverage Auto Insurance Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $432 | $600 | $750 | $550 |
| $477 | $650 | $800 | $600 |
| $442 | $620 | $770 | $580 |
| $416 | $580 | $720 | $520 |
| $454 | $640 | $790 | $590 |
| $454 | $630 | $780 | $580 |
| $408 | $560 | $700 | $500 |
| $425 | $590 | $730 | $540 |
| $486 | $670 | $830 | $620 |
Teen drivers can expect to pay between $150 and $400 per month for car insurance when they have a clean driving record.
One speeding ticket, accident, or DUI can drastically increase your rates when you’re this young, so be sure you’re always driving with the utmost care. Taking driver’s education courses or looking for good student auto insurance discounts can also help lower your teen car insurance rates.
Getting Car Insurance for 17-Year-Old Drivers
It’s possible to buy a car insurance policy in your name at 17, but you’ll still need a parent or guardian’s signature until you’re a legal adult. If you’re asking whether you should add your teenager to your auto insurance policy, find out how it could save you money.
Insurance companies often factor in GPA when quoting teen driver rates. For example, maintaining a 3.0 or higher can lead to up to 20% off premiums.Daniel Walker Licensed Auto Insurance Agent
You’ll likely find cheaper car insurance rates if you join an existing policy in your household, but that may not be possible if the car is registered in your name. Find cheap 17-year-old car insurance by entering your ZIP code into our free quote comparison tool.
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Frequently Asked Questions
What is the average teenage car insurance cost per month?
You can expect to pay between $150 and $400 per month, depending on your driving record, location, and the type of vehicle you drive. Discover how auto insurance companies check driving records to set rates.
What is the cheapest insurance for a 16-year-old?
You’ll usually find the cheapest insurance for a 16-year-old by joining a parent’s policy and applying for good student and driver education discounts.
What is the cheapest car insurance for teens?
To get the cheapest car insurance for teens, compare quotes, choose a safe vehicle, and ask about student and low-mileage discounts. Get the best deals on cheap auto insurance for 17-year-olds using our free comparison tool.
How much is car insurance for a 16-year-old per month?
You’ll likely pay $275 to $450 monthly for car insurance if you’re a 16-year-old with a clean driving record.
What is the best car insurance for drivers under 25?
You’ll benefit most from companies offering accident forgiveness, usage-based programs, and youth-focused discounts tailored to drivers under 25.
How much is insurance for a 17-year-old monthly?
You’ll generally pay between $200 and $408 per month for car insurance as a 17-year-old, depending on your coverage and risk profile.
What is the best car insurance for teens?
You should look for insurers that reward safe driving habits and offer programs tailored to teens, such as monitoring apps or good student discounts.
Can a 17-year-old get car insurance in their name?
Yes, you can get insurance in your name at 17, but you’ll need a parent or guardian to cosign unless you’re legally emancipated.
Can a 17-year-old get their car insurance?
Yes, you can get your car insurance at 17, but a parent or guardian must usually cosign, since you’re not legally able to sign contracts on your own. Find out if you have to add your child to your insurance policy if they live at home and drive your car.
What is short-term car insurance for 17-year-olds?
Short-term car insurance for 17-year-olds typically offers limited coverage, lasting from a few days to a few months, and is often used for driving tests or temporary vehicle access.
Can you get temporary car insurance for 17-year-olds?
Yes, you can get temporary car insurance for 17-year-olds, but options are limited and often require being added to a parent or guardian’s policy.
What are the cheapest cars to insure for 17-year-olds?
What are the best cars for cheap insurance for 17-year-olds? You’ll pay less for insuring vehicles like sedans or compact SUVs with high safety ratings, such as the Honda Civic or Toyota Corolla.
What is the best car insurance for 17-year-olds?
You’ll find the best insurance for 17-year-olds with companies offering teen driver discounts, safe driving rewards, and affordable monthly rates starting at $408. Find out how the best auto insurance discounts for good drivers apply to you.
What are some cheap classic cars to insure for 17-year-olds?
You can insure cheap classic cars like older Volkswagen Beetles or Ford Mustangs if they have low horsepower and are in good condition with safety upgrades.
Does car insurance go down when you turn 17?
Yes, your car insurance may go down slightly at 17 if you maintain a clean record and qualify for good student or safe driving discounts.
Is car insurance cheaper at 17 than at 16?
Yes, car insurance is generally cheaper at 17 than at 16 because insurers view you as slightly more experienced behind the wheel.
At what age is car insurance the lowest?
You’ll usually find the lowest car insurance rates in your mid to late 20s, once you’ve built a solid driving record. See how your premium stacks up using average auto insurance rates by age.
Why is car insurance so high at 18 years old?
Car insurance is high at 18 because insurers still classify you as high risk due to limited driving experience and a higher chance of claims.
How can you reduce car insurance prices?
You can reduce your car insurance by keeping good grades, using telematics, driving a safe car, and comparing quotes regularly.
How much is car insurance for an 18-year-old driver?
You’ll typically pay between $200 and $350 per month for car insurance at 18, depending on your location, vehicle, and driving history.
Can a 17-year-old get a car loan?
You can’t get a car loan on your own at 17, but you can with a cosigner, since lenders require a legal adult to be on the contract. If you’re unsure if it’s a good time to refinance an auto loan, see how much you could save.
Why do drivers aged 16 to 18 pay more for auto insurance?
Drivers aged 16 to 18 pay more because they lack experience and are statistically more likely to be involved in accidents.
Can you insure your car at 18?
Yes, you can insure your car at 18 since you’re legally allowed to sign insurance contracts without a cosigner.
What is the minimum age to get car insurance?
The minimum age to get your car insurance is 18, but you can still be added to a parent’s policy at 16 or 17.
Where can you find cheap temporary car insurance for 17-year-olds?
You can find cheap temporary car insurance for 17-year-olds through providers that offer short-term coverage, but you’ll usually need to be added to a parent’s policy.
Can you get 1 day car insurance for a 17-year-old?
You may be able to get 1-day car insurance for a 17-year-old in rare cases, but most insurers require a longer minimum term and a cosigner for teens.
How can you afford car insurance at 17?
You can afford car insurance at 17 by staying on a parent’s policy, applying for good student discounts, and driving a safe, low-risk vehicle. Unlock cheap auto insurance for 17-year-olds when you enter your ZIP code now.
How much is car insurance in NJ for a 17-year-old?
The cost of car insurance for 17-year-olds in New Jersey is between $300 and $450 per month, depending on your vehicle and driving history.
How much does it cost to add a 17-year-old to insurance?
It can cost $100 to $250 more per month to add a 17-year-old to an existing auto insurance policy, depending on the provider and the type of coverage you have. Explore whether adding a driver to your auto insurance is the right move for you.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.