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Can A 17 Year Old Get Car Insurance

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Insurance group 1

The Volkswagen Up is essentially the same as both the SEAT Mii and Skoda Citigo, with the three models making a big splash through the city car segment when they arrived back in 2012. It might have been around now for almost 10 years, but the Volkswagen Up still has a lot going for it, especially for new drivers.

The Up is a great option for those who’ve just started driving – perfect round town, it doesn’t make you feel vulnerable when you’re on the motorway either. Volkswagen has quite been clever with space so there’s plenty of room for inside, while it’s also good fun to drive.

It’s also economical to run, while the big tick against it’s cheap to insure. You’ll need to opt for one of the less power 60PS petrol engines, but many trim levels come in at insurance group 1, making it our top pick of the cheapest cars to insure for 17 year olds.

Insurance group 1

While the Ford Ka+ might not set the pulses racing, entry-level models fall into the all-important insurance group 1 category, making them a great option for new or inexperienced drivers.

Roomier than some similarly priced rivals, the Ford Ka+ also comes with five doors, making it easy to ferry your mates around, while there’s plenty of headroom inside for four adults. There’s also a decent amount of luggage space considering its size of the Ka+.

Insurance group 1

Insurance group 2

Insurance group 1

Insurance group 1

Insurance group 1

How Much Does Car Insurance Cost For A 17

The easiest way to save money on car insurance for 17-year-olds is to add them to a parents existing policy rather than trying to get them a policy of their own. For example, if you add a teen to your car insurance, youll pay an average of $3,139 a year. Thats quite an increase, but if you bought your teen their own policy, you would pay $4,621 on average or $1,482 more. Many factors affect what you pay for car insurance, even for teens, so you may find different rates. However, the fact that its more expensive to get a separate policy for a teen will hold true.

Car Insurance For A 17 Year Old: Everything You Need To Know

Are you shopping for car insurance for a 17-year-old? You’ve probably noticed that teens pay a lot of money for auto policies, primarily because they have a high risk of claims and accidents and, therefore, cost a lot to insure.

Are you shopping for car insurance for a 17-year-old? You’ve probably noticed that teens pay a lot of money for auto policies, primarily because they have a high risk of claims and accidents and, therefore, cost a lot to insure. If you have a new driver in your household, here’s what you need to know about finding an affordable auto policy.

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What Is The Best Car Insurance Company

Because each driver has a different set of circumstances as well as different wants, needs and preferences, there isnt one company that will be best for everyone. One of the best strategies to find the best company for you is to understand your needs and shop around. Reviewing quotes from multiple insurance companies and comparing discounts and coverage types can help you find the right policy for your needs.

How To Lower The Cost Of Teenage Car Insurance

Can A 17 Year Old Get Car Insurance : How Much Is Car Insurance For A ...

Even though car insurance is typically expensive for teenagers, there are still ways to lower the cost of covering a young driver. One of the best ways to reduce the cost of teen car insurance is to add them to an existing policy rather than have them purchase their own policy. Adding a teen to a policy raises rates by an average of $1,461 per year, but its still cheaper than the cost of a separate policy. Also, look for discounts that are specifically for young drivers, like good-student and student-away-at-school discounts.

If your teen does need to purchase their own policy, they should compare quotes from at least three different insurers in order to find the best deal. The cheapest car insurance companies for teens are Travelers, USAA, and Progressive, according to WalletHubs analysis.

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Your Teenager Just Got Their Driver’s License Should They Have Their Car On Their Own Policy The Cost Is Not The Only Thing To Consider A Parent’s Liability Comes Into Play As Well The Following Article From Trusted Choice Points Out What Families Need To Consider

How to insure a teenagers car has got to be one of the most common questions Trusted Choice ® independent insurance agents get asked year after year. Should parents title and insure a teen drivers car separately from other cars in the household? This is normally done with an eye to save some premium dollars and to reduce potential liability for the parents- at least on the surface. The reality is that insuring a teen drivers car separately can actually open some pretty big gaps in coverage that a parent may still find theyre liable for. So here are a few things to consider when deciding whether your teen should have their own policy:

Things To Consider Before Choosing A Car Insurance Company For Your Teen

  • Know your timing. Chances are that your car insurance company will contact you. How does the company know? It probably asked you for the names and birthdays of all the children in your home when you first signed up for your policy. So, if your teenager is 16 or 17 now, it knows all about it. If you don’t get the call, alert your carrier once your teen gets a learner’s permit to talk through your options and to give yourself time to compare car insurance companies. In general, permitted drivers are automatically covered as a part of the parent or guardian’s policy with no action needed on your part. However, when they do have a true driver’s license, even provisional, they will need to be on your policy or get their own.
  • Get ready to compare quotes. Our research shows that insurance companies across the U.S. use age and experience as a rating factor. In our studies, adding a teen raises your car insurance costs anywhere from 100% to more than 200%. However, the rates that insurance companies charge you for adding a teen varies, as shown in the California adding a teen to your policy
  • Understand available discounts. When you add a teenager to your car insurance policy or they get their own, car insurance companies don’t actively communicate what discounts are available to you. Use our discount guide below so you’re not in the dark.
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    Merrill Burchell Car Insurance Writer

    A 17-year-old can get their own car insurance in most states. Most states require a parent to grant legal written permission for anyone under 18 to buy a car or insurance, however. In some states, a 17-year-old must also have a parent listed on the cars title, registration and insurance. A few states set a minimum age for sole ownership of a car but let insurance companies decide whether a parent or guardian must co-sign the insurance policy.

    If you are a minor and want to own and insure a vehicle, you should check with your state’s department of motor vehicles to see if your state has a minimum age for car ownership. Also ask about extra measures you may need to take to register and insure a car until you turn 18.

    Keep in mind that having your own policy will be expensive. The average cost of an individual policy for a 17-year-old is over $5,500 per yearmore than three times the average amount paid by drivers over 25. Be sure to get multiple quotes, from companies like GEICO and Progressive that offer good rates for young drivers. If you are living at home or attending school, also consider talking with your parents about the pros and cons of being covered on their policy instead. It would be much cheaper.

    When does car insurance go down?

    What Are The Best Cars For 17

    20 CHEAPEST First Cars with CHEAP INSURANCE for 17 Year Olds! (Under £1,000)

    Besides protecting your teen, your insurance company may show its appreciation for buying a top car for teens by trimming your rate.

    The Insurance Institute for Highway Safety offers some basics when looking for a vehicle:

    • Vehicles with more powerful engines can tempt to test the limits, according to the IIHS.
    • Get Electronic Stability Control , which helps maintain control on curves and slippery roads.
    • Consider cars with top safety reviews from the IIHS and National Highway Traffic Safety Administration.

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    What Are The Rules For A 17

    Most states have laws that restrict where and when 17-year-olds can drive. These stipulations are usually called Graduated Driver License laws and apply to drivers younger than 18.

    GDL laws vary by state with some states having very strict laws and others having very lenient ones. Over time, you graduate from a provisional or restricted license you get as a teen to a standard license with no restrictions.

    GDL laws typically include provisions on the following:

    • Limiting drive time to daytime hours.
    • Requiring a passenger who is over a certain age to be in the car.
    • Not allowing passengers under a certain age to be in the car.
    • Banning the use of cellphones for both calls and texting.
    • Limiting destinations to work and school.

    For more details on GDL laws and why they are important, check out the most and least dangerous states for teen drivers.

    How Much Does Car Insurance For 17

    The average cost of car insurance for a 17-year-old is $737 per month. However, the cost of insuring a 17-year-old varies widely based on the insurer.

    Our study found that Erie, which is available in 13 states, offers the cheapest insurance for 17-year-olds, at a monthly rate of $275. USAA offers the second-cheapest rate, $360 per month. However, USAA is only available to current and former members of the military and their families.

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    Why Is Car Insurance So Expensive For 17

    Young drivers are expensive to insure because they are statistically more likely to get into car accidents and therefore represent a greater risk for insurance companies. This may seem unfair, but 17-year-old drivers might find some solace in the fact that older, inexperienced drivers also pay higher auto insurance rates.

    As drivers gain experience, they become less likely to get into accidents and therefore see lower rates, as long as they avoid traffic accidents and violations.

    Weighing The Long And Short Term Costs Of Adding Your Teenager To Your Policy

    Can A 17 Year Old Get Car Insurance : How Much Is Car Insurance For A ...

    When considering whether to put a teen driver on a separate policy parents should weigh short term savings on premium against the implications having a loss could have on their familys finances. Defensive driving courses, good student discounts and establishing safe driving habits that lead to lower rates on renewal are ways to reduce the burden of adding teen drivers and their cars to a parents auto policy. Separate policies could have much larger and longer term financial implications if there was an accident. Discuss your familys needs with a Trusted Choice agent. Trusted Choice agents have the ability to represent multiple insurance companies and can help you find the right match for your needs.

    Elliot Whittier Insurance Services, LLC is a local Trusted Choice® agency that represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. You can visit Elliot Whittier online at, email , or call 800-696-3947 and ask for Christine O’Keefe.

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    Why Is Temporary Car Insurance More Expensive For 17 Year Olds

    As the youngest possible drivers, 17-year-olds will have to pay the most for their policy. Statistically, drivers with a lack of experience, such as new drivers, young drivers, and learner drivers, are more likely to have an accident and make a claim.

    Because of the increased chances of having an accident, insurance providers will increase the cost of your premium to cover the potential pay-out.

    As a 17-year-old driver, you wont have had the chance to build up a significant No Claims Discount. Without this, there is little chance of reducing the overall cost of your insurance.

    With little experience, no No Claims Discount, or even as a learner, you are seen as the riskiest drivers to insure.

    There are a few steps you can take to make your car insurance less expensive. This includes choosing a less powerful car and most importantly, only paying for the insurance you need with temp car insurance for 17-year-olds.

    Teenage Car Insurance Discounts And Savings

    State Farm offers several discounts that may help teen drivers lower the cost of car insurance. Check with a State Farm agent for the discounts you, or your teen, might qualify.

    Good Student Discount

    Save up to 25% if your teen driver gets good grades. The savings may last until your teen turns 25. Their most recent report card might be the key to lowering their premium. Homeschoolers may also qualify with other options, such as submitting evidence theyve taken certain national standardized tests administered within the past 12 months and ranked in the upper 20%. Ask a State Farm agent for requirement details.

    Driver Training Discount

    Qualify for a discount if all the operators of your vehicle under the age of 21 complete an approved driver education course.

    Student Away at School Discount

    Learn if you can save if one of the operators of a covered vehicle is a student under the age of 25 who moves away to school and only uses the car while at home during school vacations and holidays.

    Other options to reduce young adult insurance premiums

    If right for your situation, you can also lower your premium by:

    • Purchasing a safe car for your teenager
    • Reducing or removing comprehensive/collision coverage if the teens car is low value
    • Increasing the deductible on their coverage

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    Should You Get Separate Car Insurance For Teen Drivers

    While most parents choose to simply add their teenage drivers to the family insurance plan, that simply may not be the best strategy. Instead, you should get your teenager a separate insurance plan as soon as they get their license thats our insider tip. *Please note that we are licensed in the following states: DE, IN, MD, NY, PA, TN, VA, and WV.

    Establishing a one for the parents and one for the new teen driver. Check it out:

    • Youll protect your healthy car insurance premiums from the possibility of a surcharge caused by your teen getting into an accident or getting a ticket.
    • Theyll be in a good position for when they are required to get their own plan, like when they move out of your home.

    Get the insider strategy on why establishing separate insurance for teens is the best bet long term for both of you. Plus, youll also get the scoop on what every teenage insurance plan needs to include.

    Average Car Insurance Cost For A 17

    how much is car insurance for a 17 year old

    To provide you with an idea of the average cost of car insurance for a 17-year-old, we ran several quotes using a popular make and model for a 17-year-old and an average UK postcode. Based on our results, on average, you could get a comprehensive car insurance policy for an annual sum of 2049.32.

    • How we got this rate

      To generate these quotes, we used the following information:

    • Ford Fiesta 1.1 Trend 5dr 85 PBS
    • The vehicle is a 2019 model
    • Manual transmission
    • Driver pays £200-£600 excess
    • Driver is 17 years of age
    • Driver has less than two years no claims bonus
    • Driver has no driving convictions
    • Driver lives in Chester (which our research suggests is an average postcode in regards to cost

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    What Other Costs Do I Need To Consider

    In addition to car insurance, there are several other costs youll need to budget for:

    • car tax car tax must be paid on an annual basis for all cars used and parked on UK roads. The amount payable depends on the model of your car and when it was registered
    • MOT you will need to pay for a compulsory, annual MOT test for a car thats more than three years old to make sure it is safe to drive and environmentally-friendly. Reckon on paying £30 £60, depending on the garage
    • Servicing you should get your car checked every now and again to make sure everything is in working order and to spot problems early. Servicing is more thorough than an MOT and costs more, so you could face a bill for several hundred pounds
    • Minor repairs you may not want to claim on your insurance for minor repairs, perhaps so as not to lose your NCD or stump up your excess, in which case you will have to pay for them upfront.

    Compare Car Insurance Quotes

    Car Insurance For Teens: Whats The Average Cost For A 17 Year Old

    The average car insurance rate for a 17-year-old who has their own policy is as follows per year, according to a 2022 data analysis:

    • State minimum coverage: $2,064
    • Liability limits of 50/100/50: $2,474
    • Liability limits of 100/300/100, with a $500 comprehensive and collision deductible: $6,272

    What you pay to insure your teen driver will vary, of course. The insurer you choose can make a big difference in terms of what you will pay.

    Other factors ranging from the state where you live to the car you drive play a big role in what you will pay.

    To give you an idea of what to expect to pay for car insurance for young drivers, we provide average annual rates by state in the charts below. You will notice that adding a teen to your own policy is much less expensive than having your teen purchase their own policy.

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