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UPDATED: Mar 13, 2020
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Cheap car insurance for young drivers can often be difficult to find and when you are comparing car insurance for a 17 year old driver its important to understand that you will end up paying more. However there are many ways to find affordable car insurance coverage for a 17 year old without sacrificing the coverage any young driver needs.
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All teenage drivers fall in the high risk category which results in expensive car insurance premiums. From the lack of a driving record to statistics showing a greater risk of filing a claim all car insurance companies charge more to insure a 17 year old driver than a typical mature driver with a strong driving record. While a 17 year old driver may end up with lower premiums than a 15 year old any young driver under the age of 25 is generally exposed to high car insurance rates. This means you need to perform a car insurance comparison search and compare many providers to find the most affordable auto insurance.
Why is car insurance for young drivers so expensive?
17 year old teenage drivers are not alone when it comes to having a risk rating. All young drivers, even 19 year old and 21 year old drivers are considered high risk. Until a driver reaches the age of 25 you will typically find all car insurance companies will penalize you with some kind of high risk premium adjustment.
Most of the high risk assessment for young drivers simply comes down to the experience behind the wheel and statistics which prove that young drivers have a greater risk of being involved in an accident. Since the cost of car insurance is based on “a policyholders risk of filing a future claim” young drivers (as a group) certainly win no loyalty points from car insurance companies since their group generally tends to get more tickets and be involved in more accidents than mature drivers. As a parent or a young driver there is nothing you can do about this. You could be the best 17 year old driver in the world but since you belong to the age group where risk is high you will still be penalized.
How expensive is car insurance for a 17 year old?
This really depends on the entire application profile. Car insurance for a 17 year old can typically be up to 50% or higher than car insurance for drivers over the age of 25 but for those young drivers who are a primary driver or own a new car the cost of auto insurance could be up to 200% or higher than average car insurance premiums.
Who has affordable car insurance for 17 year olds?
Once you realize cheap car insurance for young drivers is often unobtainable it’s important to focus on finding affordable car insurance. While this process may take a little time to complete shop around as you can end up saving $100’s of year in premiums and not comprising the coverage a young driver required. Some of the things you can do to find an affordable car insurance policy for young drivers include:
- Consider a car insurance policy with a higher deductible
- Attend an approved defensive driving course
- Always compare the cost of adding a young driver to your policy to the cost of buying a separate policy just for them. Sometimes there is a big difference.
- Inquire about low mileage discounts if the 17 year old plans to use the car only on occasion.
Regardless of a drivers age the only way to get the best car insurance rates is to shop around and compare car insurance companies. Start by entering your ZIP code above to find car insurance companies and try to speak to as many as you can about coverage options.
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