Best Car Insurance for 17-Year-Old-Drivers

Nationwide, Travelers, and USAA have some of the best car insurance rates for teenage drivers.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 30, 2024

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Drivers have found policies from Safeco, Aspire General, Sun Coast, and more, for rates as low as $34/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Insurance companies consider teen drivers a greater risk than other drivers, in part due to their lack of experience.[1] Because of their high risk, car insurance for 17-year-olds tends to cost more than for other age groups. 

The average car insurance rate for 17-year-olds is $396 for liability coverage and $629 for full coverage. And rates can be higher for male teen drivers than for female teen drivers.[2] 

The insurance providers with the lowest rates for this demographic are Kemper Preferred, Root Insurance Company, and Mile Auto. The states with the lowest rates are Wisconsin, Iowa, and Indiana. For 17-year-olds to find the best coverage, it’s best to look at various car insurance companies.

How much is car insurance for a 17-year-old driver?

Gender, state, credit, and driving history can all influence car insurance costs for a 17-year-old driver, according to the Insurance Information Institute.[2] Additionally, the type of insurance — liability only or full coverage — affects a 17-year-old’s car insurance rates.

Coverage for teenagers is higher than for older drivers because they have higher chances of accidents. In fact, the fatal crash rate is close to three times higher for drivers ages 16 to 19 than for drivers age 20 or older, according to the Insurance Institute for Highway Safety (IIHS). This risk peaks at ages 16 to 17.[3]

Though car insurance rates for teens are already high, premiums are generally steeper for males compared to females. Of all car accident deaths in 2020, 68% were males and 32% were females, based on data from IIHS.[3]

What is the cheapest car insurance for a 17-year-old driver?

The cheapest car insurance available for a 17-year-old will generally be liability-only insurance. The average cost of minimum-coverage insurance for a 17-year-old driver is $396 per month. Male teens tend to pay a higher premium, given the increased risk factors of getting into a fatal crash.[2]

Rates for 17-year-old drivers also vary by state. Location is an important insurance rating factor because the state and city where you live determines the population density in areas where you’ll be driving, weather conditions you’ll have to deal with, likelihood you’ll file a theft claim, and more.

What is the most expensive car insurance for a 17-year-old driver?

The most expensive car insurance rate for a 17-year-old is $1,162 per month for full coverage from Amica Mutual. The average monthly cost increases for males in this age group and is $1,217. Females pay an average of $1,102 with the same company. 

The most expensive car insurance by state is in New York, with male 17-year-olds paying an average of $1,232 per month. This number drops to $769 for female drivers. 

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What are the best auto insurance coverages for a 17-year-old driver?

While most states require a certain level of minimum liability coverage, it’s possible to customize a car insurance policy to include types of coverage that will be most helpful for young drivers. Some of the best types of auto insurance for 17-year-old drivers could include:

  • Comprehensive: Comprehensive covers damage to your car that occurs as a result of something other than an accident. For example, if a 17-year-old driver leaves their car parked in a college campus lot and it’s stolen overnight, comprehensive insurance would cover the loss.

  • Collision: Collision covers your vehicle in accidents, whether it’s an at-fault accident or no one is to blame. For example, if a 17-year-old driver backs into a lamp post, collision would cover the cost of repairs.

  • Medical payments: Anyone injured while driving your car, or riding in it as a passenger, would be protected by medical payments coverage, which picks up the cost of treatments like hospital or doctor visits, diagnostic tests, procedures, and more.

  • Rental reimbursement: If a 17-year-old driver finds themselves without a vehicle while theirs is being repaired due to a covered event, rental reimbursement will help pay for a rental car.

  • Gap coverage:  If your insurance company declares your vehicle a total loss after an accident, guaranteed asset protection insurance can pay for the difference between what’s left on the loan and the car’s value.

What are 17-year-old car insurance rates by gender?

Car insurance rates for 17-year-olds vary based on gender. Because of their higher likelihood of getting in an accident, male teen drivers tend to pay higher premiums.[1] Based on Insurify’s data, here are premium averages based on gender:

  • Average annual full-coverage premium for a 17-year-old female: $7,056

  • Average annual full-coverage premium for a 17-year-old male: $7,992

  • Overall annual average full-coverage premium for 17-year-old drivers: $7,548

These rate differences shift and become more comparable as drivers get older. For example, the average monthly cost of liability-only insurance for an 18-year-old woman is $410, compared to $382 for an 18-year-old man, based on Insurify data. By age 22, average liability coverage costs $233 for women and $239 for men.

Car insurance cost for 17-year-old drivers by state

Where someone lives has a great influence on their car insurance rates. People who live in states and cities with higher rates of theft, vandalism, and accidents typically face more expensive premiums. Furthermore, local repair, medical, and litigation costs can influence premiums.[2] 

The table below shows the average car insurance premiums for 17-year-old drivers for most states.

State
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Alabama$337$517
Arkansas$333$605
Arizona$397$645
California$250$564
Colorado$349$622
Connecticut$568N/A
Florida$705$917
Georgia$515$757
Idaho$227N/A
Illinois$243$427
Indiana$216$383
Iowa$199$412
Kansas$325$501
Kentucky$541$813
Louisiana$876$1,137
Maryland$540$797
Michigan$349$730
Minnesota$270$424
Missouri$419$663
Mississippi$340$562
North Carolina$120$296
Nebraska$299N/A
New Jersey$588$780
New Mexico$284N/A
Nevada$687$824
New York$828$1,048
Ohio$234$406
Oklahoma$310$469
Oregon$375$557
Pennsylvania$288$551
South Carolina$480$641
Tennessee$232$413
Texas$394$736
Utah$364$528
Virginia$328$526
Washington$381$508
West Virginia$319N/A
Wisconsin$215$360
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

What are the best car insurance companies for a 17-year-old driver?

Car insurance rates for 17-year-old drivers vary by insurance company. Companies set their own underwriting factors and premiums based on their own internal risk factors. The table below shows average monthly rates for 17-year-olds from top car insurance companies.

Insurance Company
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Nationwide$136$405
Travelers$180$160
Usaa$227$306
Erie$232$301
State Farm$260$343
GEICO$261$349
Progressive$275$549
Allstate$402$517
Amica Mutual$966$1,194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

1. GEICO

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User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

GEICO car insurance is one of the best car insurance providers for 17-year-olds, offering competitive rates. The company has been around for 85 years and has a 97% customer satisfaction rate, according to its website. 

Pros
  • Established history

  • High customer satisfaction

  • New customer may save $500+

Cons
  • May not have agents in every state

  • Doesn’t offer gap insurance coverage

Read more driver reviews of GEICO
Herman - October 29, 2024
Verified

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg - October 29, 2024
Verified

It's Expensive

It's expensive.

Robert - October 29, 2024
Verified

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.

2. Travelers

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User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$194/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Offers gap insurance

  • Cheaper premiums than competitors

Cons
  • Below-average J.D. Power ranking[4]

  • Not available in every state

Read more driver reviews of Travelers
Vicki - October 27, 2024
Verified

Good but Costly

I had a great experience with Travelers and would still be with them, but I got a better rate with another company.

Nancy - October 23, 2024
Verified

Not Great by Any Means

Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.

Birdie - October 21, 2024
Verified

Expensive

I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.

3. Progressive

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Progressive car insurance company has served more than 27 million customers and was founded in 1937, according to the company’s website. As an insurance provider, the company offers various types of insurance coverage, including auto insurance for teen drivers. 

Pros
  • Offers teen driver and good student discounts

  • 24/7 customer support

Cons
  • May not have agents in every state 

  • Below-average J.D. Power ranking[4]

Read more driver reviews of Progressive
Denise - October 29, 2024
Verified

Awesome!

I haven't had any problems with the company. I am pleased with the work they do.

Priscilla - October 29, 2024
Verified

They Increased My Insurance Payment from $117 a Month to $199 a Month

They are very inconsiderate.

Lisa - October 29, 2024
Verified

Disappointed

They were good until they doubled my monthly payment. My deductible also went up to $1000. At that price, I can fix my vehicle on my own.

4. USAA

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User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

Pros
  • Cheaper premiums than other insurers

  • Has mobile app and 24/7 service

Cons
  • Not available to all consumers

  • Doesn’t offer gap coverage

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

5. Allstate

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User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Smart student discount, which could apply for 17-year-old drivers

  • Roadside assistance available as an add-on

Cons
  • Higher premiums than other insurers

  • More than expected complaints in NAIC’s complaint index

Read more driver reviews of Allstate
Howard - October 29, 2024
Verified

They Have You By The Short Hairs

I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.

Hugh - October 29, 2024
Verified

Actual Crash Damages vs. Damages Quoted Over the Phone

There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.

Miriam - October 29, 2024
Verified

Best Overall

Check around before choosing. Allstate has been my choice for years.

6. Nationwide

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User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Read more driver reviews of Nationwide
Ashley - October 29, 2024
Verified

Great company

Nationwide is a great company. I regret messing up with them!

Keirh - October 28, 2024
Verified

Unsatisfactory Service

I cancelled my insurance. Their rates are too high, they don't treat you properly, and they haven't refunded my money yet.

Earl - October 28, 2024
Verified

I was upset that I received a non-renewal letter over two issues that were resolved a year prior. My local representative resolved the issue quickly.

I was upset that I received a non-renewal letter over two issues that were resolved a year prior. My local representative resolved the issue quickly.

7. State Farm

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User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

8. Amica

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User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$152/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$280/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Read more driver reviews of Amica
Bill - October 15, 2024
Verified

House and Auto Comparison

Amica is incredibly expensive. I am curious to see if other companies are as well.

Sheri - October 14, 2024
Verified

Love Amica

They are the best in customer service. I love them, but I am looking around just because my rates in Colorado are so high. I am not looking because there is anything I don't like about Amica.

Nina - October 7, 2024
Verified

Auto Insurance Too Expensive!

The prices increase significantly at every renewal without any notifications. The staff is nice, but it's just way too expensive.

9. Erie

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User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo

For nearly 100 years, Erie Insurance has been selling auto coverage. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, and ranks third in overall customer satisfaction according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.

Pros
  • Excellent BBB, J.D. Power, and A.M. Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Cons
  • Available in only 12 states

  • Customers can’t buy a policy or file a claim online

Read more driver reviews of Erie Insurance
Satina - October 28, 2024
Verified

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana - October 25, 2024
Verified

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon - October 19, 2024
Verified

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.

How can a 17-year-old driver save money on car insurance?

While car insurance premiums for 17-year-olds may be higher because of various risk factors, young drivers have multiple ways to help save money on car insurance, including:

  • Look into defensive driver discounts. It may be possible to get a discount if you sign up for a defensive driving course, which teaches you how to be proactive, minimize risk factors, and drive defensively to avoid collisions.[5]

  • Ask about a good student discount. Getting higher grades may help you score a discount from your insurance company.[6]

  • Get on a family policy. Another way to lower car insurance costs for teenagers is to bundle policies and put teens on the family policy. For 17-year-olds, that’s likely a necessity.

  • Maintain a clean driving record. Your driving history has a major impact on your rate, so keeping a clean driving record can help prevent rates from increasing.[2] 

  • Weigh whether it’s worth filing a claim. Filing a claim can increase premium costs.[7] However, if it’s a minor incident that didn’t involve anyone else, such as hitting your car on a curb, it may not be worth it to file a claim.

  • Consider your coverage needs. To find the most affordable coverage, review your coverage needs and deductibles, and compare options. 

Learn More: What Are the Best Cars for Teens to Drive?

How to choose a car insurance rate as a 17-year-old driver after a DUI

Driving under the influence at age 17 can spell trouble and higher car insurance rates. DUI refers to driving a vehicle while intoxicated from alcohol or other substances. 

Insurify found that the average monthly car insurance premium for a 17-year-old with a clean record is $451. After getting a DUI, a 17-year-old can expect that to increase to an average of $574 per month. 

Aside from the rate increase, drivers may face legal repercussions for underage alcohol consumption, license suspension, and fines.[8] 

How to choose a car insurance rate as a 17-year-old driver after an accident

Given that teen drivers are high-risk and more likely to get in an accident, their premiums are already higher than for older age groups. If a teen driver hits a vehicle, property, or a person, rates can increase further.

Based on Insurify’s data, a 17-year-old driver with a clean driving history will pay an average of $451 per month. After an accident, that rate jumps to $581 per month. 

After an accident, it can make sense to compare auto insurance rates among various providers to see what’s available. 

How to choose a car insurance rate as a 17-year-old driver with a good credit score

One factor that may affect car insurance premiums is the driver’s credit score, which some insurance providers use as a way to assess risk.[2] A good credit score is around the 700 mark.[9]

At age 17, a driver may not have a credit history or may have a limited one. A parent may add a child as an authorized user on their credit card account to help them establish a credit history. Based on Insurify’s data, drivers with a lower credit score may end up paying more. Here’s a glimpse at rates based on credit score. 

Credit Score Rating
Average Monthly Quote 
Poor$760
Average$491
Good$449
Excellent$380
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How do car insurance rates change from 17 to 18 years old?

The average monthly cost of liability insurance is $396 for a 17-year-old and $397 for an 18-year-old. It’s not a big difference, but 18-year-olds pay slightly more on average. 

Liability coverage for a 17-year-old female is $381, and for an 18-year-old female driver, it’s $410, an 8% increase. Liability coverage for a 17-year-old male is $410, and for an 18-year-old male, it’s $382, decreasing 7%.

How do car insurance rates change from 17 to 20 years old?

Liability insurance coverage is an average of $396 per month for 17-year-olds. That number drops to $299 for 20-year-olds, decreasing by approximately 24%. 

Liability coverage is $381 for a 17-year-old female and $289 for a 20-year-old female, decreasing by 24%. For 17-year-old males, liability coverage is $410, and for a 20-year-old male, it’s $310, dropping by $100, or 24%.  

How do car insurance rates change from 17 to 21 years old?

Liability insurance for a 17-year-old is an average of $396. At 21 years old, that number goes down to $259, which is a 34% reduction. 

For 17-year-old females, liability coverage is an average monthly cost of $381, and for 21-year-old females, it’s $255, which is lower by 33%. For males, liability coverage is $410 for 17-year-olds and $264 for 21-year-olds, a 35% decrease.  

How do car insurance rates change from 17 to 22 years old?

Rates change even more from age 17 to 22. Liability coverage is an average monthly cost of $396 at age 17, compared to $237 at age 22. This represents a 40% reduction. 

Females aged 17 pay an average of $381 for liability coverage, whereas 22-year-old females pay an average of $233, which is a 39% drop. Seventeen-year-old males pay an average monthly cost of $410 for liability coverage, with 22-year-olds paying an average of $239 — a 41% reduction. 

How do car insurance rates change from 17 to 25 years old?

The average monthly cost of liability coverage for a 17-year-old is $396, whereas the average liability coverage for a 25-year-old is $202. This is a significant decrease, lowering by 49%. 

The drop is also represented by gender as well, with 17-year-old females paying $381 per month for liability coverage and 25-year-olds paying $201. This means 25-year-old female drivers pay 47% less than their younger counterparts. 

Seventeen-year-old males pay an average of $410 per month for liability coverage, whereas 25-year-old males pay an average of $202, or a 51% reduction. 

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Car insurance for 17-year-olds FAQs

Here are answers to some commonly asked questions about car insurance for 17-year-old drivers.

  • What is the best car for a 17-year-old?

    The best car for a 17-year-old will be a vehicle that has high ratings from the Insurance Institute for Highway Safety (IIHS) and National Highway Traffic Safety Administration (NHTSA). The Honda Civic Sedan, Toyota Camry, and Honda HR-V have high safety ratings and driver-assistance technology that can help teens stay focused on the road.

  • Is car insurance more expensive for 17-year-olds?

    Yes, car insurance is generally more expensive for 17-year-old drivers. Their lack of experience and tendency to be involved in accidents make them higher-risk drivers, and insurance companies tend to charge them higher premiums.

  • Can a 17-year-old get their own car insurance?

    It depends on the car insurance company and the state. In some states, 17-year-old drivers can get their own car insurance policies, but it’s most likely cheaper for them to get insurance under their parents’ policies. Furthermore, some states and insurers restrict drivers younger than 18 from getting their own insurance without a signature from a legal guardian or parent.

  • Which is the best car insurer for a 17-year-old driver?

    Some of the car insurance companies with the lowest rates for a 17-year-old driver include Nationwide and Travelers. However, the best car insurance company for you will depend on your individual driving record, coverage needs, and budget.

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Sources

  1. CDC. "Keep Teen Drivers Safe."
  2. III. "What determines the price of an auto insurance policy?."
  3. IIHS. "Fatality Statistics."
  4. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  5. National Safety Council. "Defensive Driving Training."
  6. III. "Background On: Teen drivers."
  7. III. "Do auto insurance premiums go up after a claim?."
  8. Governors Highway Safety Association. "Drunk Driving Laws."
  9. Experian. "What Is a Good Credit Score?."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Daniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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