Cheap Auto Insurance for 17-Year-Olds in 2024 (Big Savings With These 9 Companies!)
Drivers looking for cheap auto insurance for 17-year-olds will find the cheapest rates at Progressive, Geico, and State Farm. Progressive is our top pick for the cheapest auto insurance for teen drivers, with rates that average $408 per month, young driver discounts, and multiple coverage options.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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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: Oct 25, 2024
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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17,759 reviewsProgressive, Geico, and State Farm offer the cheapest auto insurance for 17-year-olds, with Progressive being our top pick for affordable coverage.
Each of our top three companies has cheap auto insurance for 17-year-olds, as well as 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.
See our choice of the cheapest companies below.
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
Read on to learn about affordable auto insurance for 17-year-olds, from the cheapest companies to why rates are so high for teenage drivers. You can also use our free quote comparison tool to find cheap 17-year-old coverage.
- 17-year-olds can get their own auto insurance if a parent cosigns the policy
- You must be the registered owner of the vehicle to purchase insurance on it
- 17-year-olds are high-risk drivers, so they pay higher rates on auto insurance
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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 auto insurance discounts are numerous, which can help younger drivers save on their auto insurance policies.
- Well-rated app: Geico’s app and website are easy to use, so 17-year-olds can easily check their policy details and rates.
Cons
- Varied customer service reviews: Geico’s customer service reviews aren’t all positive, with most of the complaints dealing with claim issues.
- Coverages aren’t as varied: Geico has multiple coverages but doesn’t offer a few add-on coverages like gap insurance (read more in our Geico auto insurance review).
#3 – State Farm: Best for Local Agents
Pros
- Large network of local agents: 17-year-old drivers can get in-person assistance easily 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
- There may be variations in customer service: Because State Farm has so many agents, the customer service you experience with one agent may not be as good as the last agent you used.
- Rates may be higher: Some 17-year-old drivers may have higher rates due to their driving record or area. 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 to be rewarded with discounts for demonstrating safe driving habits.
- Multiple coverage options: Drivers can choose from a number of 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 other companies on the market.
- Mixed customer service reviews: Like most companies, Allstate has mixed customer reviews when it comes to 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 has a number of comprehensive policy options to offer complete protection to 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 plenty of coverage options to choose from for complete protection on their vehicles.
- Strong financial stability: Nationwide is well-established and will be able to handle claim payments without financial distress.
Cons
- Mixed customer service reviews: Nationwide’s customer service reviews vary. Read more about Nationwide’s customer service reviews in our Nationwide auto insurance review.
- Rates can vary: Rates may be higher for certain demographics, so it is important to get quotes before committing.
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#7 – Liberty Mutual: Best for Usage Discount
Pros
- Multiple coverages: Liberty Mutual has plenty 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 RightTrack.
- 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, which makes it easy for young drivers to file after an accident.
- Multiple coverages: Esurance has a good array of auto insurance coverage 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 doesn’t have many local agents, so drivers will have to 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 read 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 customer reviews are negative 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-Olds
At 17, you can buy a car insurance policy in your name, but you’ll need to have a parent or guardian 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.
For most teenagers, it’s cheaper to join your parent or guardian’s auto insurance.Daniel Walker Licensed Auto Insurance Agent
Teens are considered high-risk drivers, so their insurance premiums can be high. 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 companies.
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 because they don’t have enough driving experience yet.
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.
17-Year-Old Drivers Full Coverage Auto Insurance Rates by Driving Record
Insurance Company Clean Record One Accident One DUI One Ticket
Allstate $432 $600 $750 $550
Esurance $477 $650 $800 $600
Farmers $442 $620 $770 $580
Geico $416 $580 $720 $520
Liberty Mutual $454 $640 $790 $590
Nationwide $454 $630 $780 $580
Progressive $408 $560 $700 $500
State Farm $425 $590 $730 $540
Travelers $486 $670 $830 $620
Taking driver’s education courses or looking for good student discounts can also help lower your teen car insurance rates.
The Final Word on Getting Car Insurance at 17
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. 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.
To find the cheapest rates, enter your ZIP code below to obtain quotes from multiple insurance companies and compare prices.
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Frequently Asked Questions
Can a 17-year-old get their own auto insurance policy?
Yes, in most cases, a 17-year-old can get their own auto insurance policy. However, laws and regulations regarding this matter may vary depending on the state and insurance company. It’s advisable to check with the insurance provider to understand their specific requirements and eligibility criteria.
How much does auto insurance cost for a 17-year-old?
Auto insurance premiums for 17-year-olds tend to be higher compared to older, more experienced drivers due to their lack of driving experience and higher risk of accidents. The exact cost will depend on various factors such as the 17-year-old’s driving record, location, the type of car they drive, coverage limits, and more. It’s recommended to obtain quotes from different insurance providers to compare rates.
Are there any discounts available for 17-year-old drivers?
Yes, some insurance companies offer discounts specifically designed for young drivers, including 17-year-olds. These discounts can vary but may include good student discounts, driver training discounts, and discounts for completing safe driving programs. It’s worth inquiring with insurance providers about any available discounts to potentially reduce the insurance premium.
Can a 17-year-old be added to their parent’s auto insurance policy?
Yes, in many cases, 17-year-olds can be added to their parent’s auto insurance policy. Adding a teenager to an existing policy is often more affordable than getting a separate policy. However, it’s essential to inform the insurance provider about the new driver in the household to ensure proper coverage.
What type of coverage do 17-year-olds need?
17-year-olds typically need the same types of coverage as any other driver. This includes liability coverage (to cover damages to others in an accident), collision coverage (to cover damages to their own vehicle in an accident), and comprehensive coverage (to cover non-collision related damages like theft or vandalism). The coverage limits can be adjusted based on individual needs and budget.
Can a 17-year-old with a learner’s permit get auto insurance?
Yes, 17-year-olds with a learner’s permit can usually obtain auto insurance. While they may not be the primary policyholder, they can be added to an existing policy or have a separate policy under a parent or guardian’s name. It’s important to note that insurance companies may have specific requirements and restrictions for drivers with learner’s permits.
What factors affect the cost of auto insurance for 17-year-olds?
Several factors can influence the cost of auto insurance for 17-year-olds. These may include the teenager’s driving record (if any), the type of car they drive, the location where they reside, the level of coverage chosen, any applicable discounts, and the insurance company’s underwriting guidelines. Each insurance provider has its own way of assessing risk, so rates may vary.
How can 17-year-olds lower their auto insurance rates?
17-year-olds can consider several strategies to potentially lower their auto insurance rates. These include maintaining a clean driving record, completing driver education courses, maintaining good grades, driving a safe and low-risk vehicle, choosing higher deductibles, and exploring any available discounts. Additionally, comparing quotes from different insurance providers can help find the most competitive rates.
What is the cheapest auto insurance for a 17-year-old?
A bare minimum policy is the cheapest auto insurance option for 17-year-olds, but it is not recommended as it doesn’t provide much protection in an accident.
What cars are the cheapest for 17-year-olds to insure?
Affordable cars with great safety ratings will be the cheapest cars for teenagers to insure.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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.
