Car Insurance for a 17-Year-Old

Auto insurance for a young driver is very expensive, and finding cheap car insurance for a 17-year-old can be a little tricky. Consider adding a teen driver to your existing policy to reduce your rates, and don’t forget to comparison shop online. Comparing quotes online is the easiest way to find affordable auto insurance for a 17-year-old. Start now with our ZIP code search below!

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 8, 2020

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Finding cheap car insurance for a 17-year-old means shopping around for the best price, modifying the coverage to suit your particular needs and working hard to qualify for as many discounts as possible. The car is a good place to look for discounts, and can be used to reduce your premiums by hundreds of dollars a year.

Do Not Buy Your Own Policy Yet

It is much cheaper to be added to your parent’s policy for as long as you live at home, up to the age of 26. Since adding the driver lists them as a secondary driver instead of the primary, the rates are lower. You are essentially listed as a part-time driver, so the risks of insuring are lower due to the fact that you are expected to be on the road less often.

Inside the Car

The more secure the car and its occupants are, the lower the cost of insuring the vehicle. Start by looking for a car that has fared well in highway safety ratings, and then find a model with safety features such as airbags or anti-theft components. If the car has a hands-free dock for your cellphone, that earn you another discount.

Outside the Car

The make and model of the car you drive will play a large part in setting your premiums. A car with a large engine is more likely to cause serious injuries in an accident, for example. Sedans with room for the whole family are also cheaper to insure than sports cars or hot rods. And if you resist the urge to deck the car out in the largest rims and latest light sets or other accessories, you can knock even more off the cost of insuring the vehicle. Even better, if you can afford to pay cash for a vehicle, you can drop collision coverage and save even more.

Education and Responsibility

Good grades will earn you a car insurance discount. You can also get a discount by completing a driver improvement course. In both cases, the insurance company views your actions as being
responsible and reducing the risks of insuring you. As the risks go down, so do your premiums.

There are other ways to get cheap car insurance, but the above are the most common ways for younger drivers.

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