Cheap Auto Insurance for 17-Year-Olds in 2025 (Big Savings With These 9 Companies!)

Progressive, Geico, and State Farm offer the cheapest auto insurance for 17-year-olds, with Progressive being our top pick for affordable coverage.

Our Top 9 Company Picks: Cheap Auto Insurance for 17-Year-Olds

Each of our top three companies offers affordable auto insurance for 17-year-olds, along with 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. Check out the top companies that offer cheap auto insurance for 17-year-olds.

Discover the cheapest auto insurance companies for 17-year-olds offering big savings and flexible coverage options by entering your ZIP code into our free quote comparison tool

#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 offers numerous auto insurance discounts, which can help younger drivers save on their policies.
• Well-Rated App: Geico’s app and website are easy to use, allowing 17-year-olds to quickly check their policy details and rates.

Cons

• Varied Customer Service Reviews: Geico’s customer service reviews are not all positive, with most complaints focusing on claim issues.
• Coverages Aren’t as Varied: Geico offers multiple coverages but doesn’t provide a few add-on options, such as gap insurance (read more in our Geico auto insurance review).

#3 – State Farm: Best for Local Agents

Pros

• A Large Network of Local Agents: 17-year-old drivers can easily get in-person assistance 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

• Inconsistent Customer Service: Because State Farm has so many agents, the customer service you experience with one agent may not be as good as the customer service you experienced with the last agent you used.
• Rates May Be Higher: Some 17-year-old drivers may have higher rates due to their driving record or the area where they live. Learn more here: State Farm Auto Insurance Review.

#4 – Allstate: Best for Student Savings

Pros

• Drivewise Program: 17-year-old drivers can participate in the Drivewise program and receive discounts for demonstrating safe driving habits.
• Multiple Coverage Options: Drivers can choose from various 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 those of other companies on the market.
• Mixed Customer Service Reviews: Like most companies, Allstate receives mixed customer reviews for 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 offers a variety of comprehensive policy options to provide complete protection for 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 a range of coverage options to choose from for comprehensive protection on their vehicles.
• Strong Financial Stability: Nationwide is well-established and can handle claim payments without financial distress.

Cons

• Mixed Customer Service Reviews: Nationwide’s customer service reviews vary. Read more about Nationwide’s customer service in our Nationwide auto insurance review.
• Rates Can Vary: Rates may be higher for specific demographics, so it’s essential to get quotes before committing.

#7 – Liberty Mutual: Best for Usage Discount

Pros

• Multiple Coverages: Liberty Mutual offers a variety 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 the RightTrack program.
• 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, making it easy for young drivers to file a claim after an accident.
• Multiple Coverages: Esurance offers a wide range of auto insurance coverage options 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 has a limited number of local agents, so drivers must 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 learn 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 customers have negative reviews regarding claims processing at Travelers.
• Limited Discounts: Travelers doesn’t offer as many discounts as other auto insurance companies.

Car Insurance Policies for 17-Year-Old Drivers

At 17, you can buy a car insurance policy in your name, but you’ll need a parent or guardian to 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.

Teens are considered high-risk drivers, so their insurance premiums tend to be higher. 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 auto insurance companies.

17-Year-Old Drivers Auto Insurance Discounts by Provider

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. After all, they don’t have enough driving experience yet.

17-Year-Old Drivers Full Coverage Auto Insurance Rates by Driving Record

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. Taking driver’s education courses or looking for good student auto insurance discounts can also help lower your teen car insurance rates.

Getting Car Insurance for 17-Year-Old Drivers

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. If you’re asking whether you should add your teenager to your auto insurance policy, find out how it could save you money.

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. Find cheap 17-year-old car insurance by entering your ZIP code into our free quote comparison tool.