Can I get my own auto insurance at 17? [Auto Insurance for Minors]

Are you wondering "Can I get my own auto insurance at 17"? Car insurance for 17-year-olds can be tricky, but as long as you own your car, the title is in your name, and you're licensed you can buy your own insurance. Auto insurance quotes for a 17-year-old average $501.34/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 7, 2022

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Things to remember...

  • To buy auto insurance in your name at any age, you need to be the registered owner of the car.
  • Some states allow dependent and independent drivers to own a car in their own name at 16 or 17.
  • As long as you are still a teenager, you are considered a different driver type.
  • As long as you own your car in your name and you’re licensed to drive your vehicle, you can buy your own insurance.
  • If you buy car insurance at 17, you’ll pay high-risk insurance rates because of your inexperience.
  • If you live with your parents or with someone else who owns a car, combining your insurance may be cheaper.

Can I get my own auto insurance at 17? How old do you have to be to get insurance? What about a title? How old do you have to be to put a car title in your name? How old do you have to be to own a car?

Until you have a vehicle registered and insured in your name, you are not a vehicle owner. Can I get my own car insurance at 17 years old? Yes, but it’ll be pricey.

If you’re 17, and you’re planning on buying your own car with your own money, there’s still no guarantee that you’ll be able to buy insurance in your own name.

Whether you can get insurance depends on several factors, including the state and the carrier. Even if you are able to find coverage, it can be nearly impossible to find cheap auto insurance rates for teens.

However, you may be able to find more affordable rates if you shop around. Each company will charge different rates for auto insurance at 17.

Read this guide for everything you need to know about finding the most affordable auto insurance for a 17-year-old and which auto insurance company for a 17-year-old is for you.

To get started finding 17-year-old auto insurance rates, you can compare quotes for car insurance for drivers who are under 18 today by entering your ZIP code in our free tool.

What is the average cost of auto insurance for 17-year-old drivers?

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

Age is one of the biggest factors that affect auto insurance rates. Younger drivers are less experienced, and their rates reflect that.

Buying teen car insurance will cost you a pretty penny. In fact, teens who are 16 and 17 pay the highest rates because of the accident statistics is the age group.

Keep reading for more.

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What is the average cost of auto insurance for 17-year-old males vs. females?

How much is car insurance for a 17-year-old? In most states, the question should be: how much is auto insurance for a 17-year-old female or 17-year-old male?

A male who is 17 will always pay more than his female counterpart with the same record and rating factors because insurance companies often perceive male drivers as higher risk.

However, in states like California and Hawaii, gender discrimination in rates adjustment is illegal, so the gender-based rate differential may not be as great, depending on where you live.

It’s estimated that a safe driver who is 17 will pay between $350 and $500 per month for coverage.

What is the average annual auto insurance rate for 17-year-old drivers who purchase their own insurance policies?

This table shows the countrywide auto insurance rates based on age, gender, and marital status, including rates for 17-year-old policy-owners.

Auto Insurance Rates by Age and Gender for the U.S.
Insurance CompaniesAverage Annual Rates for a Single 17-Year-Old FemaleAverage Annual Rates for a Single 17-Year-Old MaleAverage Annual Rates for a Single 25-Year-Old FemaleAverage Annual Rates for a Single 25-Year-Old MaleAverage Annual Rates for a Married 35-Year-Old FemaleAverage Annual Rates for a Married 35-Year-Old MaleAverage Annual Rates for a Married 60-Year-Old FemaleAverage Annual Rates for a Married 60-Year-Old Male
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
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As you can see, 17-year-olds pay way more than older drivers.

What is the cheapest auto insurance for 17-year-old drivers?

Auto insurance for teenagers is always going to be more expensive. So, what is the cheapest car insurance for a 17-year-old?

It looks like USAA and GEICO have the cheapest rates. You can find cheap insurance for 17-year-olds if you are willing to shop around.

However, overall, lower rates come down to experience. As you get older and have more experience behind the wheel, your rates will go down if you keep a clean driving record. But with a bad driving record, auto insurance skyrockets.

If you still live with your parents or you’re away at school as a dependent student, it’s a good idea to stay on your parent’s policy for as long as it’s an option. When you add yourself and your car as a driver, you’ll pay a discounted rate.

And the rates may vary with age. Check with your insurance agent to see how much car insurance is for an 18-year-old or how much it costs to add a 16-year-old to car insurance.

How can you get cheap auto insurance for 17-year-old drivers?

We’ve already looked at average insurance rates for 17-year-old drivers on their own insurance policy. And as we’ve also already mentioned, one way to save is being added to your parents’ policy, rather than taking out a policy on your own.

This will increase your parents’ rates, but it will still be cheaper than purchasing coverage on your own. How much does it cost to add a 17-year-old to an existing auto insurance policy?

Take a look at this table to see how much average insurance rates increase when adding a 17-year-old to a policy vs. one adult.

Average Annual Auto Insurance Rate Increase When Adding a Child by State
StatesAverage Annual Rates for Adult OnlyAverage Annual Rates with a Teen AddedPercent Rate Increase
North Dakota$1,123$2,688139%
New Hampshire$1,156$3,406195%
North Carolina$1,170$2,608123%
New York$1,214$3,347176%
South Dakota$1,250$2,776122%
South Carolina$1,353$4,230213%
New Jersey$1,419$4,590223%
West Virginia$1,467$3,766157%
New Mexico$1,498$3,991166%
Rhode Island$2,011$5,829190%
National Average$1,447$3,775161%
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Here are a few reasons why it’s cheaper to be added to your parents’ policy rather than purchasing your own coverage:

  • Your parents have an established relationship with the carrier and may receive loyalty discounts on rates.
  • You can assign yourself as a driver to the cheapest vehicle on the policy.
  • You will get a multi-car discount.
  • You will get a multi-policy discount.
  • You will receive rates for your parents’ credit ranking and not your own.

Adding a 17-year-old to their parents’ insurance is still the cheapest way to go. But regardless of your approach, another way to get cheap auto insurance for 17-year-old drivers is to look for discounts.

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What auto insurance discounts for 17-Year-old drivers are there?

Some tips for cheap insurance for 17-year-olds revolve around car insurance discounts. Often the best deals for auto insurance for 17-year-olds come down to discounts and getting good grades.

Check out this table to see what providers offer discounts to young drivers.

Auto Insurance Discounts for Young Drivers
Insurance Companies Distant Student Discount OfferedDriver's Ed Discount OfferedGood Student Discount Offered
21st CenturyNoYesYes
American FamilyYesYesYes
Country FinancialNoYesYes
Liberty MutualNoYesYes
Safe AutoNoYesYes
State FarmYesYesYes
The GeneralNoYesYes
The HanoverYesYesYes
The HartfordYesYesYes
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Considering rates, discounts, coverage, etc. what is the best insurance for 17-year-old drivers? Read the next section to find out some of your options.

What’s the best auto insurance for 17-Year-old drivers?

The best car insurance for 17-year-old males vs. 17-year-old females can depend on where you live.

This table shows you the rates and cheapest companies in 10 states based on age and gender.

10 Cheapest States for Teen Auto Insurance Rates
StatesAverage Annual RatesCheapest Company for 17-Year-Old Males Cheapest Company's Average Annual Rates for 17-Year-Old MalesCheapest Company for 17-Year-Old Females Cheapest Company's Average Annual Rates for 17-Year-Old Females
Hawaii $2,696.83State Farm$1,040.28State Farm$1,040.28
North Carolina$5,371.26Liberty Mutual$3,197.53Liberty Mutual$3,197.53
Alaska$5,553.69USAA$5,168.23State Farm$4,158.62
Wyoming$5,828.93Liberty Mutual$4,046.51Liberty Mutual$3,605.13
Massachusetts$6,016.14State Farm$2,583.99State Farm$2,583.99
Montana$6,092.26Liberty Mutual$2,064.28Liberty Mutual$2,064.28
Wisconsin$6,206.76American Family$3,134.61American Family$2,844.04
Idaho$6,306.32USAA $4,046.57USAA$3,611.65
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You can see that some companies charge the same for males and females, but the rates are still high.

Do you have to own a vehicle to buy your own auto insurance?

So, as a teenager, can you get your own car insurance policy, and, if so, how old do you have to be to have your own car insurance?

There are a few basic rules all insurance companies follow when they are selling insurance to any driver in the marketplace:

  • You must have an unrestricted license.
  • The policyholder who buys insurance must own or have an insurable interest in the vehicle being covered.

An auto policy isn’t like a bank account or another type of financial product because it’s an indemnity contract. One of the conditions of entering into the indemnity contract is that you have to have an insurable interest in the property.

As long as you possess this insurable interest, you’re eligible to buy coverage on the car.

Insurable interest means you own the vehicle or that the vehicle is financed or leased in your name.

Having an insurable interest is a must because the contract can’t protect someone from financial loss if they have nothing to lose when a car is involved in an accident.

It would be pointless to buy the product because there would never be a purpose to file a claim.

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Can a 17-year-old have a car title in their name?

Can a minor own a car? Can a 17-year-old own a car? Can you title a car in a minor’s name? Whether or not you can get a vehicle title in your name at 17 depends largely on where you live.

How old do you have to be to register a car? Can a 17-year-old register a car in their name? In most states, yes, but the age to register a car will also depend on your location.

How old do you have to be to buy a car? Can a 17-year-old buy a car? Can a 17-year old buy a car from a private seller? Depending on the laws in your state, you may be able to purchase a vehicle.

However, the legal age to buy a car can vary. Plus, if you are entering into a contract, you may not be allowed to sign or may need a parent present.

Your state’s Department of Motor Vehicles (DMV) will have the most up-to-date information on local laws regarding the legal age to own a car and for obtaining a vehicle title.

An easy way to find out more about this topic is to do a quick Google search regarding your state specifically (for example, “can a minor own a car in Florida”).

Know the State Law Before Trying to Buy Your Own Car and Auto Insurance

Can a 17-year-old get his own car insurance? How old do you have to be to have a car title in your name? How old do you have to be to get car insurance?

At the age of 17, everything can be complicated when it comes to property ownership laws.

In many states, you have to be at least 18 before you can register any motor vehicle in your name as the legal owner (though, as we noted earlier, you should contact your local DMV for specific laws in your area). Therefore, the minimum age for car insurance is usually 18.

Some states do allow teens who are 16 or 17 to own property. If you live in these states, it’s legal to own a car in your name as a minor.

If you’ve saved for years and years, you may be able to buy an older model vehicle outright without having to finance it. Unfortunately, many teens want to finance a new car because they don’t have thousands of dollars on-hand.

When this happens, you can get an auto loan. Still, you’ll have to have a parent as a co-signer because you won’t have any credit history (and with a financed vehicle comes specific, and often expensive, auto insurance coverage requirements).

As teens don’t have much experience driving yet, it’s best to get a pretty safe vehicle.

When you finance a car, it’s important to put at least 20 percent of the purchase price down. Look at the terms closely, and be sure you can afford to make your payments as agreed on with your adult cosigner.

Since the loan is in both names, it’s likely your registration will be in both your name and your cosigner’s name as well.

What happens if you’re emancipated and need to buy a car?

How old do you have to be to buy insurance? Can a 17-year-old get car insurance? Can teens sign an insurance contract? Or is an adult (someone 18 or older) necessary to purchase coverage?

As a minor, you can’t legally enter a contract to buy a car without your parent or guardian signing off on the transaction. If an adult doesn’t witness it and sign off, the transaction isn’t legally binding.

However, as notes, everything changes when you’re an emancipated minor.

When you’re emancipated, it basically means you’re legally separating yourself from your parents so you don’t have to be in their custody.

It also means you will gain the right to start handling your own affairs, including any of the following:

  • Live on your own
  • Keep your own paychecks
  • Stay out past curfew
  • Sue someone in your name
  • Own property in your name

At 17, getting emancipated might sound like the best option if you have a strained relationship with your parents.

What you might not know is that you can no longer get support from your parents, and according to Public Counsel, you can be held liable for injuries that you cause as soon as you’re emancipated.

Since you’re liable for these types of damages, you can also buy a car in your name and then buy insurance in your own name.

At that point, can a 17-year-old pay insurance monthly? Probably so, but also keep in mind you may get a discount for paying your policy in full.

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If you’re emancipated, can you automatically get your license?

Being emancipated grants you the right to enter into contracts or buy property, but it doesn’t grant you the right to get your driver’s license automatically.

Just like other teens who don’t have driving experience, you have to satisfy all of the requirements before you’re issued an unrestricted driver’s license.

If you’re only 15 or 16, you may have to complete driver’s training classes before you can even get qualified to sit for your practical or written licensing exam.

If you’re 17, you may be old enough to skip the driver’s education requirements in some states.

You’ll have to familiarize yourself with the laws in your state (your local DMV is a great resource for this) to see what you need to do.

Where can a teenager buy auto insurance if they own a car and have a license?

Every insurance company has its own underwriting guidelines. While these guidelines can’t be discriminatory in nature, they can make people ineligible for coverage if they don’t fit into a certain customer demographic.

Your job as a 17-year-old who needs their own coverage is to shop around to find the right carrier with lenient criteria.

The best place to look for coverage when you’re 17 and you meet the basic contract requirements is to call a substandard insurer. These insurers have more lenient rules and are more willing to insure high-risk drivers who are statistically more likely to have an accident and file a claim.

Usually, the high-risk insurers will take on younger drivers with acceptable records.

What is the minimum coverage requirement for 17-year-old drivers?

Any fully licensed driver must meet at least the minimum coverage requirements set in the state in which they live. Coverage limits vary based on state, and to help you out, we’ve listed the basics in this table. Take a look.

Minimum Auto Insurance Requirements by State
StateInsurance requiredMinimum liability limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansesBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI &PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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To better understand the information in this table, take a look at this summary of the acronyms and abbreviations.

Auto Insurance Terms
BIBodiliy Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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Forty-eight of the 50 states in the U.S. required a minimum amount of coverage, and even in the states that do not require coverage, you’ll need to provide some proof of financial responsibility (meaning some proof that you have the funds to cover damages that result from an at-fault accident).

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How can I save on auto insurance for 17-year-old drivers?

You now know the minimum coverage you’ll need, how to get it, and an average rate you can use as a baseline estimate for how much you might pay. And as you’ve seen, that cost can be a lot. We’ve already talked about discounts, but are there other ways to save? The answer is yes.

If combining your insurance with your parents or an older sibling isn’t an option, there are a few ways to keep your rates low on your own. Here are some tips:

  • Choose higher deductibles
  • Take driver training to get a discount
  • Get a good grade discount if you’re still a student
  • Try to keep your mileage down for a lower rating
  • Drive safely to keep your record clean

The best way to get the most affordable rate on your own is to shop around for coverage. You should get instant quotes online to compare rates. After making your comparison, you can make a decision and buy your insurance.

Frequently Asked Questions: Can I get my own auto insurance at 17?

Still have questions about getting car insurance as a 17-year-old? Read our answers to these frequently asked questions for more.

#1 – What driving laws do 17-year-old drivers have to follow?

In addition to all posted traffic signs and local driving laws, there are a few laws specific to teenage drivers that may apply if you’re on the road at 17.

Most states have a graduated driver license program requiring teens to go through a series of different license types while learning to drive.

Laws vary by state, but often you won’t be able to get an unrestricted license (a requirement if you want to purchase your own insurance) without following this process.

In many cases, there is a minimum time requirement for each step in the process and a minimum age for achieving an unrestricted license. Your local DMV will be able to provide you with the specifics in your state.

#2 – Can I get my own health insurance at 17?

Though the law allows young adults to stay on their parents’ health insurance until the age of 26, sometimes that’s not an option.

As long as you are employed and paying your own way, you should be able to get your own health insurance coverage.

#3 – Can a 16-year-old buy a car? Can a 16-year-old own a car? Can a 16-year-old have a car title in their name?

The answer to these questions will be extremely similar to the answer for 17-year-olds. Much of it will depend on your location since the laws for property ownership can vary from state to state.

Ready to buy auto insurance for a 17-year-old? If you’re a minor looking for the cheapest auto insurance,  find affordable auto insurance for a 17-year-old by comparing quotes by entering your ZIP code in our free rate tool.

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