Cheap Auto Insurance for 17-Year-Old Drivers in 2026 (Top 10 Companies for Savings)

Erie, Geico, and AAA offer the cheapest auto insurance for 17-year-old drivers.

 Erie is our top pick due to its low rates, starting at $97 monthly, and great customer service. Geico also offers reasonable rates with discounts, while AAA gives extra perks that add value.

Our Top 10 Company Picks: Cheap Auto Insurance for 17-Year-Old Drivers

These companies offer reliable coverage and savings tailored to the needs of a 17-year-old driver. For more details, please read our auto insurance review below.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare various companies near you.

#1 – Erie: Top Overall Pick

Pros

• Save More with Bundling: They have a friendly staff that help 17-Year-Old Drivers Anytime with Questions, Claims, Discounts, and Policy Changes.
• Trusted Service: Erie has a good customer service rating, making it a great choice for 17-year-old drivers who want friendly and reliable help.
• Affordable Rates: Erie offer affordable auto insurance for 17-year-old Drivers with good coverage deals and big savings.

Cons

• Bad reviews: Erie may offer cheap auto insurance for 17-year-old drivers, but bad reviews mention poor customer service and unexpected rate hikes.
• Limited repair options: Erie doesn’t cover every state, so some 17-year-old drivers may need other options. Learn more in our “Erie Insurance Review & Ratings.”

#2 – Geico: Best for Membership Perks

Pros

• Smart Savings: Geico gives 17-year-old drivers discounts and perks to help cut car insurance costs.
• Simple App: Geico’s easy-to-use mobile app lets young drivers quickly manage their insurance anytime, anywhere with no trouble.
• Budget-Friendly Rates: Geico offers car insurance for 17-year-old drivers starting at just $107 a month for basic coverage, making it an affordable option.

Cons

• Limited Choices: Geico might not offer many flexible options for 17-year-old drivers. Want more details? Check out this Geico auto insurance review.
• Higher Prices Without Discounts: A 17-year-old driver could pay a lot if they don’t find enough ways to save.

#3 – AAA: Best for Cheap Rates

Pros

• Cheapest Option: AAA has some of the lowest car insurance rates for 17-year-olds, so it’s a budget-friendly choice.
• Low Monthly Payments: AAA offers basic coverage for just $112 monthly for 17-year-olds, making it easy to afford.
• Extra Perks: AAA members get discounts, roadside help, and travel deals, giving you more for your money. Get more insights in this  AAA insurance review.

Cons

• AAA Membership Costs More: AAA requires a paid membership, increasing expenses for 17-year-old drivers and may not suit everyone.
• AAA’s Fewer Online Features: AAA’s website and app have fewer tools than other companies, which might make handling insurance harder.

#4 – Nationwide: Best for Vanishing Deductible

Pros

• Lower Deductible Over Time: Nationwide reduces deductibles with safe driving habits, making cheap car insurance for 17-year-old drivers easier to obtain.
• Multi-Policy Discounts: Nationwide provides savings for bundling home and auto insurance for 17-year-old drivers, offering more ways to save.
• Competitive Monthly Rates: Nationwide offers minimum coverage at $113 per month for 17-year-old drivers. Click on this Nationwide insurance review for more details

Cons

• Higher Upfront Prices: Without savings, Nationwide’s basic coverage costs may be more for 17-year-old drivers.
• Less Local Support: Nationwide has fewer in-person agents than some other companies, which could make it more challenging for 17-year-old drivers to get nearby help.

#5 – American Family: Best for Loyalty Rewards

Pros

• Good Student Discount: Maintaining good grades can help lower insurance costs for 17-year-old drivers, encouraging academic success.
• Loyalty Discounts: American Family gives long-term customers a break, which can help 17-year-old drivers save on car insurance over time with consistent payments.
• Lower Monthly Rates: American Family gives 17-year-olds minimum coverage for $115 a month, helping young drivers get insurance without spending too much.

Cons

• Claims Take Too Long: Some physicians say the slow process can be frustrating for 17-year-old drivers.
• Limited State Coverage: American Family is not available in all states, which may limit options for 17-year-old drivers. Want to know more? Read this American Family Insurance review.

#6 – Allstate: Best for Safe Drivers

Pros

• Save more money: Allstate gives much lower prices to 17-year-old drivers who always drive safely.
• Accident Forgiveness Protection: Helps prevent premium increases after the first accident for 17-year-old drivers and offers financial relief after an accident.
• Affordable Monthly Rates: Basic coverage starts at $123 a month, making it easier to stick to a budget.

Cons

• Higher Minimum Rates: Allstate’s starting rates are higher than some competitors for 17-year-old drivers.
• Strict Eligibility for Discounts: Some discounts require a long, safe driving history for 17-year-old drivers. Our Allstate auto insurance review explains everything.

#7 – Travelers: Best for Multi-Policy Savings

Pros

• Save More by Bundling: Travelers give 17-year-old drivers a discount when they combine policies.
• Trusted Coverage: Travelers has been around for a long time and offers reliable insurance. Want to learn more? Check out our Travelers auto insurance review.
• Lot of Options: Travelers have a lot of choices, with the right options. That is good for a 17-year-old drivers.

Cons

• Limited Discount Options: Fewer discounts are available for 17-year-old drivers than companies with broader savings opportunities.
• Higher Standalone Policy Rates: Travelers’ best deals come from bundling, but standalone auto policies can be expensive for some young drivers.

#8 – Farmers: Best for Personalized Policies

Pros

• Custom Coverage Options: Farmers lets 17-year-olds pick a coverage that fits their needs and budget easily.
• Low Monthly Rates: Farmers offer affordable rates starting at $127 monthly for 17-year-olds.
• Personal Agent Help: Farmers gives 17-year-old drivers a personal agent who can answer their questions, explain their options, and help them find a plan that fits their budget.

Cons

• Higher Rates Without Discounts: Farmers can be costly if 17-year-old drivers don’t qualify for discounts, making coverage more expensive.
• Limited Online Features: Farmers’ website and app have fewer tools, making it harder for 17-year-old drivers to manage their policy easily.

Read more: Farmers Insurance Review & Ratings

#9 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive offers some of the most competitive car insurance rates for 17-year-old drivers compared to other companies.
• Low Monthly Rates: Progressive provides minimum coverage at $147 per month for 17-year-old drivers with no hidden fees.
• Snapshot Discount: Safe driving habits can lead to additional savings for 17-year-old drivers who drive responsibly.

Cons

• Higher Initial Quotes: Progressive’s rates can be higher before applying discounts for 17-year-old drivers in certain situations.
• Rate Increases Over Time: Some drivers report higher premiums after renewal for 17-year-old drivers if they have claims. Read our Progressive insurance review to learn more.

#10 – Liberty Mutual: Best for Online Management

Pros

• Great Online Tools: Liberty Mutual provides easy-to-use digital features for 17-year-old drivers managing their car insurance policy.
• Low Monthly Rates: Liberty Mutual offers minimum coverage at $188 per month for 17-year-old drivers.
• Multiple Discount Opportunities: Liberty Mutual provides various discounts to help lower costs for 17-year-old drivers.

Cons

• Higher Prices: Even with discounts, Liberty Mutual’s rates for 17-year-old drivers can still be higher than some other companies.
• Mixed Customer Service: Some customers say the service for 17-year-old drivers isn’t always the same. Our Liberty Mutual review provides more details.

Understanding Auto Insurance for Teenagers

Teenagers often pay higher premiums for auto insurance than seasoned drivers. This can be attributed to several factors that insurance companies consider when determining rates for 17-year-olds.

17-Year-Old Drivers Auto Insurance Monthly Rates by Provider & Coverage Level

Teenagers are seen as risky drivers because they have little experience on the road. Younger drivers get into more accidents than older, experienced drivers. The National Highway Traffic Safety Administration says 16 to 19-year-olds have the highest crash rates, which makes their insurance more expensive.

Insurance companies also know teenagers are more likely to take risks while driving. This includes speeding, using their phones, and sometimes driving after drinking. Since these behaviors make accidents more likely, insurance companies charge higher rates to cover the extra risk.

Read more: Best Teenager Auto Insurance Discounts

Auto Insurance can be Expensive for Teenagers Because of Higher Risk

Auto insurance costs more for teenagers because they have less experience on the road. Younger drivers are more likely to get into accidents compared to older drivers, making them a higher risk for insurance companies. Since accidents lead to more claims, insurers charge higher rates to cover the potential costs.

The kind of car a teenager drives can make it harder to get cheap car insurance at 17. Fast or sporty vehicles cost more to fix and are more likely to get stolen, which raises insurance costs. Where a teen lives also matters—places with lots of traffic or crime usually have higher rates.

The Importance of Auto Insurance for Young Drivers

Car insurance is essential because it protects young drivers from high costs if they get into an accident. Without it, they could end up paying for repairs, medical bills, or legal fees on their own, which can be overwhelming. Having insurance means they won’t be stuck with a huge bill.

Insurance comes with some useful extras, like roadside assistance and rental car coverage. These can really help if your car breaks down. Even though insurance is more expensive for 17-year-olds because they don’t have much experience, it’s still important for their safety and financial protection.

Factors Influencing Auto Insurance Rates for 17-Year-Olds

Several things affect how much auto insurance costs for 17-year-olds. Insurance companies look at risk, and younger drivers are seen as more likely to have accidents due to inexperience. Since they are still learning how to drive safely in different situations, their rates tend to be higher. However, as they get older and gain more experience, their insurance costs may go down.

The type of auto a young driver has can also affect how much they pay for insurance. Sports cars and other high-speed vehicles usually have higher costs because they are more likely to be in accidents. On the other hand, choosing a new car with free insurance for 17-year-olds, like a safe and reliable sedan or SUV, can help lower insurance rates.

Stress? Gone. Money? Saved. Protect your dreams under our roof by bundling home and auto today! https://t.co/91ZZlwj7F1 pic.twitter.com/ukNSUszqs8

— American Family Insurance (@amfam) October 11, 2023

Where a driver lives also matters when it comes to insurance costs. Cities and places with more car accidents or theft tend to have higher rates. This is because crowded roads make accidents more likely, and cars in high-crime areas are more at risk of being stolen. Living in a safer neighborhood or adding security features like an alarm system to the vehicle may help lower insurance costs.

Read more: Why Auto Insurance Rates Go Up

Tips to Lower Auto Insurance Costs for 17-Year-Olds

Fortunately, there are several ways for 17-year-olds to lower their auto insurance costs. By choosing the lowest insurance group cars for 17-year-olds and taking advantage of these tips, you can potentially save money while still ensuring you have the coverage you need. Here are some additional tips to consider.

Good Student Discounts

Good student discounts are a common way for 17-year-olds to lower their auto insurance costs. Many insurance companies offer this discount to students who keep good grades because they see responsible students as less likely to take risks while driving. If you have a strong GPA, ask your insurance provider if you qualify for lower rates.

Auto Insurance Discounts From the Top Providers for 17-Year-Old Drivers

This discount not only helps you save money but also encourages you to focus on your education. By rewarding good grades, insurance companies support responsible habits that can benefit you both in school and on the road.

Read more: Get Low-Cost Car Insurance with Driver Discounts

Choosing a Car with Safety Features

Picking a car with safety features can help keep you safe and might even lower your insurance bill. Things like anti-lock brakes, airbags, and stability control make accidents less severe, which is good for both you and your insurance company. Since safer cars are less likely to cause costly claims, insurance companies may offer discounts for vehicles with these features.

Insurance rates can be high for 17-year-old drivers, but selecting a car with strong safety features can help bring costs down. Combining this Choice with good student discounts and safe driving courses can lead to even more savings. When looking for coverage, be sure to ask your provider about possible discounts for safety features and other ways to lower your premium.

Read more: Best Safety Features Car Insurance Discounts

Compare Insurance Providers for the Best Rates

Comparing different auto insurance providers is the best way to find affordable coverage that meets your needs. Online comparison tools make this process easier by letting you see multiple quotes at once. However, since these quotes are estimates, it’s always a good idea to contact insurance companies directly for a more accurate rate.

Additionally, comparing car insurance quotes for 17-year-olds helps young drivers find the best rates by evaluating multiple providers, discounts, and coverage options tailored to their needs.

You might find free car insurance quotes for 17-year-olds. Some insurers give discounts for safe driving, bundling policies, or staying with them for a long time. Checking rates often and keeping a clean driving record can also help lower costs.

Case Studies: How 17-Year-Old Drivers Saved on Car Insurance

Finding cheap car insurance at 17 can be hard, but it’s possible. Some young drivers have found smart ways to save money while keeping good coverage. Keep reading to learn how you can do the same!

Case Study #1: Jason Lowered His Costs With Geico Discounts

Getting auto insurance in high school isn’t easy. Liam searches online for a way to get a good price. Geico gives him a discount for good grades and another for safe driving, which lowers his monthly payment. He saves even more by sharing a policy with his parents, making it an even better deal.

Case Study #2: Emily Found Affordable Coverage With Erie

Emily, 17, from Pennsylvania, needed auto insurance that fit her budget. She looked at different options and chose Erie because their $97 monthly rate was affordable, and they made everything easy. With accident forgiveness and a safe driving discount, she got solid coverage at a price that worked for her.

Case Study #3: Mia Got More for Her Money With AAA

Mia, 17, from California, wanted more than just basic coverage. She chose AAA because their roadside help and accident coverage gave her extra peace of mind. With a family discount, she got good protection at a price that worked for her.

By comparing Erie, Geico, and AAA, 17-year-old drivers can find affordable coverage that meets their needs. Taking advantage of discounts and exploring these top providers helps secure the best rates and benefits.

Read more: What You Should Know About Auto Insurance

Finding Cheap Auto Insurance for 17-Year-Old Drivers

That’s why being wise is very important when choosing auto insurance. Getting cheap auto insurance for 17-year-old drivers isn’t always easy, but it can be done. Comparing quotes from companies like Erie, Geico, and AAA can help young drivers save money.

Discounts for good grades, safe driving courses, and choosing a safe car can also lower costs. Learn how to compare online car insurance quotes to save money.

Even though car insurance costs more for 17-year-olds, there are ways to save. Putting a teen on a parent’s policy, driving safely, and choosing a cheaper car can help lower costs. Shopping around and finding discounts can also help young drivers get affordable coverage. Start saving on your auto insurance by entering your ZIP code and comparing quotes.