State Farm offers the most affordable minimum liability coverage, costing approximately $1,548 annually, which is around 27% below the average rate for drivers on family policies. Other viable options include Concord Group and Auto-Owners, where available.
Cheapest Car Insurance for 17-Year-Olds
Updated: March 31, 2025
Advertising & Editorial Disclosure
Key Takeaways
Concord Group, Auto-Owners and State Farm offer some of the most affordable rates for 17-year-old drivers.
The cheapest car insurance rate for 17-year-olds is around $74 per month for minimum coverage and $134 monthly for full coverage at a national level, though some states may see rates as low as $57 per month.
On average, a 17-year-old pays about $176 monthly for minimum coverage and $349 monthly for full coverage, but this can vary significantly by state.
Cheapest Minimum Liability Car Insurance for 17-Year-Olds
| Concord Group | $74 | $102 |
| Auto-Owners Insurance Co | $98 | $78 |
| State Farm | $129 | $47 |
| Encompass | $137 | $39 |
| GEICO | $168 | $8 |
Cheapest Car Insurance for 17-Year-Olds
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Full Coverage Car Insurance for 17-Year-Olds
Concord Group offers the cheapest full coverage car insurance rates, averaging about $1,608 annually when added to a family policy, though it may not be available in all areas. State Farm and Nationwide also provide competitive pricing for full coverage.
| Concord Group | $134 | $215 |
| Auto-Owners Insurance Co | $215 | $134 |
| State Farm | $258 | $91 |
| Nationwide | $311 | $39 |
| Encompass | $318 | $31 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 17-Year-Olds by State
Insurance costs for 17-year-olds can differ greatly depending on the state. Monthly premiums range from $57 to $348 for those on family policies. The following breakdown highlights the most affordable companies by state for this age group.
| Hawaii | 21st Century | $57 |
| Connecticut | GEICO | $59 |
| South Dakota | Allstate | $60 |
| Wisconsin | Allstate | $68 |
| Mississippi | Progressive | $75 |
| North Dakota | Allstate | $77 |
| Maine | Concord Group | $78 |
| Massachusetts | Progressive | $78 |
| New Hampshire | Concord Group | $82 |
| Iowa | Allstate | $83 |
| Indiana | GEICO | $83 |
| Ohio | Nationwide | $87 |
| Colorado | Kemper | $88 |
| Kansas | Nationwide | $89 |
| Missouri | GEICO | $89 |
| Pennsylvania | Nationwide | $95 |
| Alabama | GEICO | $95 |
| Idaho | State Farm | $96 |
| North Carolina | State Farm | $97 |
| Montana | Progressive | $98 |
| Nebraska | Allstate | $99 |
| Vermont | Concord Group | $101 |
| Illinois | Travelers | $103 |
| Virginia | Nationwide | $104 |
| Wyoming | Allstate | $107 |
| New York | Kemper | $108 |
| District of Columbia | GEICO | $111 |
| Oregon | GEICO | $115 |
| Tennessee | Farmers | $116 |
| Utah | Nationwide | $116 |
| Arkansas | Allstate | $117 |
| Maryland | Progressive | $117 |
| Washington | Capital Insurance Group | $121 |
| Arizona | Travelers | $126 |
| Georgia | Allstate | $126 |
| West Virginia | Allstate | $130 |
| New Mexico | Allstate | $134 |
| Minnesota | Allstate | $139 |
| Oklahoma | Allstate | $140 |
| Alaska | GEICO | $141 |
| Delaware | GEICO | $142 |
| Kentucky | Allstate | $143 |
| Rhode Island | Travelers | $148 |
| Michigan | GEICO | $163 |
| South Carolina | Auto-Owners Insurance Co | $167 |
| Texas | State Farm | $171 |
| New Jersey | GEICO | $172 |
| Nevada | Nationwide | $194 |
| California | State Farm | $219 |
| Florida | Nationwide | $272 |
| Louisiana | State Farm | $348 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
Cheapest Car Insurance for 17-Year-Olds by Gender
Premiums for male and female drivers typically differ due to accident statistics. Young male drivers generally face higher premiums compared to their female counterparts. Below are the most budget-friendly national providers for both genders.
Cheapest Car Insurance for 17-Year-Old Female Drivers
State Farm the best savings for 17-year-old female drivers among nationlly available providers, with rates about 30% below the national average, reflecting lower accident rates for this group. However, if you are in their service area Concord Group and Auto-Owners will likely be more affordable options.
| Concord Group | $71 | $95 | $128 | $199 |
| Auto-Owners Insurance Co | $86 | $79 | $191 | $136 |
| State Farm | $116 | $49 | $232 | $96 |
| Encompass | $137 | $28 | $318 | $9 |
| Travelers | $153 | $12 | $312 | $15 |
| Nationwide | $163 | $2 | $282 | $45 |
Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 17-Year-Old Male Drivers
State Farm also stands out for male drivers among national providers, providing an average cost of $142 per month on family policies. More affordable options if you are in their service area include Concord Group and Auto-Owners.
| Concord Group | $78 | $109 | $140 | $231 |
| Auto-Owners Insurance Co | $109 | $78 | $238 | $133 |
| Encompass | $137 | $50 | $318 | $53 |
| State Farm | $142 | $45 | $284 | $87 |
| GEICO | $177 | $10 | $376 | $-5 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Cars to Insure for 17-Year-Olds
Choosing a suitable vehicle can help keep insurance costs manageable. Vehicles with strong safety ratings and lower repair costs often lead to reduced premiums. Below are the most affordable models by vehicle type to insure for 17-year-old drivers.
Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
| Subaru Forester | Compact SUV | State Farm | $3,037 |
| Subaru Outback | Sedan | State Farm | $3,068 |
| Nissan Frontier | Pickup Truck | State Farm | $3,179 |
| Honda Passport | SUV | State Farm | $3,263 |
| Honda Odyssey | Minivan | State Farm | $3,314 |
| MINI Cooper | Compact | State Farm | $3,429 |
| Acura MDX | Luxury SUV | State Farm | $3,541 |
| Chevy Bolt | Electric | State Farm | $3,549 |
| Ford Mustang Ecoboost | Sports Car | State Farm | $3,772 |
| Mercedes GLA 250 | Luxury Compact SUV | State Farm | $3,851 |
| BMW 3 Series | Luxury Sedan | State Farm | $4,159 |
| Tesla Model Y | Luxury Electric | State Farm | $4,466 |
| BMW 1 Series | Luxury Compact | State Farm | $4,504 |
| Porsche Taycan | Luxury Sports Car | GEICO | $4,773 |
Rates are for drivers with clean driving records and good credit.
Average Cost of Car Insurance for 17-Year-Olds
On average, 17-year-old drivers can expect to pay roughly $1,244 annually for minimum coverage and around $4,452 for full coverage. These average car insurance cost for 17-year-olds assume clean driving records and good credit, but actual rates may vary based on individual profiles.
Car Insurance Cost for 17-Year-Olds by Coverage and Gender
The table below illustrates average insurance costs for adding 17-year-old drivers, broken down by gender and coverage level.
| State Min - No comp_coll | $187 | $165 |
| State Min - 500 comp_coll | $362 | $319 |
| State Min - 1500 comp_coll | $314 | $277 |
| State Min - 1000 comp_coll | $327 | $289 |
| 300/500/300,000 - No comp_coll | $274 | $242 |
| 300/500/300,000 - 500 comp_coll | $445 | $392 |
| 300/500/300,000 - 1500 comp_coll | $396 | $350 |
| 300/500/300,000 - 1000 comp_coll | $157 | $140 |
| 100/300/100,000 - No comp_coll | $233 | $206 |
| 100/300/100,000 - 500 comp_coll | $394 | $372 |
| 100/300/100,000 - 1500 comp_coll | $396 | $350 |
| 100/300/100,000 - 1000 comp_coll | $371 | $327 |
Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.
Average Cost of Car Insurance for 17-Year-Olds by State
Factors such as population density, local regulations and weather can significantly impact insurance costs. Average monthly premiums across states range from $19 to $622 on average.
| Oklahoma | $48 | $208 | $113 | $480 |
| North Carolina | $60 | $217 | $61 | $221 |
| Colorado | $66 | $252 | $130 | $491 |
| Mississippi | $53 | $221 | $96 | $408 |
| Florida | $106 | $469 | $176 | $788 |
| Vermont | $30 | $145 | $52 | $240 |
| Delaware | $75 | $264 | $178 | $632 |
| Nevada | $98 | $369 | $177 | $656 |
| Louisiana | $119 | $622 | $187 | $990 |
| New York | $86 | $291 | $132 | $454 |
| West Virginia | $54 | $217 | $97 | $386 |
| South Carolina | $88 | $312 | $125 | $450 |
| New Jersey | $100 | $382 | $150 | $578 |
| New Mexico | $48 | $205 | $86 | $364 |
| Hawaii | $19 | $83 | $22 | $98 |
| Arkansas | $48 | $204 | $92 | $398 |
| Missouri | $69 | $294 | $121 | $506 |
| Connecticut | $61 | $214 | $130 | $459 |
| South Dakota | $37 | $188 | $70 | $348 |
| District of Columbia | $66 | $250 | $144 | $542 |
| Iowa | $34 | $157 | $59 | $264 |
| Indiana | $43 | $168 | $76 | $286 |
| Massachusetts | $52 | $203 | $78 | $306 |
| Rhode Island | $76 | $267 | $171 | $587 |
| Ohio | $81 | $274 | $120 | $410 |
| Michigan | $107 | $420 | $146 | $574 |
| Minnesota | $48 | $203 | $77 | $314 |
| Pennsylvania | $46 | $212 | $75 | $330 |
| Washington | $70 | $236 | $119 | $393 |
| Wisconsin | $46 | $193 | $87 | $366 |
| Montana | $47 | $225 | $79 | $376 |
| Kentucky | $66 | $255 | $116 | $447 |
| Arizona | $62 | $244 | $106 | $410 |
| Illinois | $45 | $186 | $73 | $298 |
| Virginia | $74 | $272 | $104 | $378 |
| Maryland | $70 | $237 | $135 | $449 |
| Georgia | $61 | $236 | $115 | $447 |
| Wyoming | $30 | $194 | $47 | $280 |
| Utah | $81 | $295 | $142 | $512 |
| New Hampshire | $44 | $157 | $79 | $279 |
| North Dakota | $32 | $149 | $70 | $313 |
| Nebraska | $49 | $240 | $89 | $412 |
| Maine | $44 | $165 | $68 | $256 |
| California | $69 | $313 | $77 | $347 |
| Tennessee | $44 | $192 | $91 | $390 |
| Kansas | $46 | $207 | $82 | $365 |
| Texas | $72 | $296 | $121 | $501 |
| Oregon | $50 | $185 | $111 | $397 |
| Idaho | $36 | $136 | $74 | $274 |
| Alaska | $59 | $250 | $87 | $357 |
| Alabama | $57 | $239 | $103 | $431 |
Why Car Insurance Is Expensive for 17-Year-Olds
The elevated cost of car insurance for 17-year-olds is attributed to their classification as high-risk drivers. Drivers aged 16 to 19 have higher rates of accidents and violations, with fatal crashes occurring nearly three times more often than for older drivers. Factors like nighttime driving, speeding and distractions are common risk enhancers, particularly for male drivers.
How to Save Money on Car Insurance for 17-Year-Olds
Though young drivers face the highest premiums, there are strategies for cost reduction:
- 1
Stay on a parent's policy
Staying on a parent's policy can significantly lower premiums due to multi-car discounts and the established insurance history of the parents.
- 2
Shop around as much as possible
Comparing quotes from different car insurance companies can help save up to 30%.
- 3
Find discounts you qualify for
Seventeen-year-old drivers can take advantage of car insurance discounts such as [good student discounts](students](https://www.moneygeek.com/insurance/auto/good-student-discounts/), driver education courses and telematics programs can lead to premium reductions of up to 40%.
- 4
Choose a safe, older car
Selecting an older model with a solid safety record can help reduce insurance costs.
- 5
Adjust your coverage amount
If you’re willing to pay out-of-pocket for car replacement, liability-only insurance is a cost-effective option. For full coverage, increasing deductibles can also lower premiums.
KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP
Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Cheap Car Insurance for 17-Year-Olds: Bottom Line
While insurance for 17-year-olds is typically expensive, joining a family policy, comparing insurers and leveraging available discounts can lead to more affordable options. State Farm frequently offers some of the most cost-effective rates, but shopping around remains key for securing the best deal.
Car Insurance for 17-Year-Olds: FAQ
Finding the best affordable car insurance for 17-year-olds can be daunting due to the risk factors that drive up premiums for this age group. We've answered some of the most frequently asked questions on the topic to assist you:
What is the cheapest car insurance for an 17-year-old?
State Farm is often the most affordable option at a national level, with rates around $129 per month for minimum coverage and $258 for full coverage on family policies.
How much is car insurance for an 17-year-old per month?
On average, monthly premiums are about $176 for minimum coverage and $349 for full coverage. However, state averages can range widely, from $54 to $305 per month, assuming a clean driving record and good credit.
Why is car insurance expensive for 17-year-old drivers?
The lack of driving experience places young drivers in a higher risk category, leading to more accidents and higher premiums.
Is car insurance more expensive for 17-year-old males?
Yes, male drivers generally face higher insurance costs due to their greater statistical risk of accidents.
Auto Insurance for 17-Year-Olds: Our Methodology
MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 17-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.
Data Sources and Depth
We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.
Sample Driver Profile
MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:
- Toyota Camry LE
- Clean driving record
- 12,000 miles driven every year
To determine which companies provide the most affordable policies, MoneyGeek compared rates for 17-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.
Coverage Levels and Deductibles Explained
A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.
For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AAA Foundation for Traffic Safety. "Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014–2015." Accessed December 24, 2024.
- Insurance Institute for Highway Safety. "Fatality Facts 2018: Teenagers." Accessed December 24, 2024.