Can I get my own auto insurance at 17?

We'll go over a few key details about getting an auto insurance policy at the age of 17, including what can affect your rates and how you can find lower prices.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 20, 2022

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Things to remember...

  • You can get your own auto insurance at 17 as long as a parent or guardian cosigns the policy for financial responsibility
  • You must be the registered owner of the vehicle to purchase insurance on it
  • Because 17-year-olds are high-risk drivers, you’ll pay higher rates on your own insurance policy than you would be sharing a policy with an adult

If you’re 17 and own your car, you might want a personal auto insurance policy. However, you may be wondering if it’s possible to find affordable coverage with a 17-year-old’s car insurance policy? Is getting a policy at the age of 17 even a good idea? 

Typically, 17-year-olds can get their own car insurance. However, there are some important considerations to be aware of before purchasing your policy as a teenager. This guide will break down the basics of getting car insurance as a minor.

Can a 17-year-old buy their own car insurance policy?

At 17, you can buy a car insurance policy in your name, but you’ll need to have a parent or guardian cosign the policy to guarantee financial responsibility. That’s because 17 is below the legal age for signing binding contracts in every state. 

However, If you’re an emancipated minor, having a court order freeing you from guardianship before you turn 18, you can sign contracts like car insurance policies even at age 17. 

For most teenagers, it’s cheaper to join your parent or guardian’s auto insurance. Teens are considered high-risk drivers, so their insurance premiums can be high. Multi-car discounts on an existing plan can help offset these increases. 

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. 

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How much does car insurance for 17-year-olds cost? 

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 because they don’t have enough driving experience yet. 

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 discounts can also help lower your teen car insurance rates

The Final Word on Getting Car Insurance at 17

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. 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. 

To find the cheapest rates, obtain quotes from multiple insurance companies and compare prices.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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