What’s the cheapest car to insure for a 17-year-old?

The three cheapest cars to insure for a 17-year-old driver are a Honda Fit, a Suzuki SX4, and a Scion xD. Because auto insurance for 17-year-olds on their own policies costs an average of $8,293.33/yr, or $691.11/mo, it's important to find cheaper vehicles with great safety ratings. In addition to buying one of the most affordable cars to insure for a teenager, there are other ways you can find cheap auto insurance rates for a 17-year-old., such as discounts.

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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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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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Auto Insurance for 17-Year-Olds Overview
Auto Insurance for 17-Year-Olds OverviewDetails Source
Cheapest Cars to Insure for 17-Year-OldsHonda Fit, Suzuki SX4, and Scion xDNA
Average Auto Insurance Rate for 17-Year-Old on Own Policy8,293.33Quadrant Data
Cheapest Insurers for 17-Year-OldsUSAA and Geico Quadrant Data
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Teen car insurance is always expensive when you’re 17 years old. However, there are certain steps you can take toward understanding auto insurance and lowering your car insurance coverage costs.

What’s the cheapest car to insure for a 17-year-old? What’s the best car for a 17-year-old? We’ll guide you towards finding the cheapest car insurance for teens throughout this guide.

Are you ready to buy auto insurance for a 17-year-old? Get personalized rates in just minutes by entering your ZIP code in our free tool above.

What are the cheapest cars to insure for 17-year-olds?

What are the cheapest cars for teens? Cheaper, older vehicles are typically cheaper to insure than newer, more expensive vehicles for obvious reasons.

However, prices for 17-year-olds don’t change much between brands or vehicle types. Finding the cheapest cars to insure for a new driver might help, but it won’t save a fortune.

Whether you’re driving a 15-year-old Honda or a 15-year-old Ford, you’re going to pay similar rates on similar vehicles for coverage for a 17-year-old.

Nevertheless, some of the best cars you should consider if you’re looking for the cheapest cars to insure for 17-year-olds are common everyday drivers. What are the cheapest cars to insure for teenagers?

  • Honda Fit
  • Suzuki SX4
  • Scion xD
  • Scion tC
  • Mercury Sable
  • Toyota Prius
  • Scion xB
  • Saturn Aura
  • Hyundai Sonata
  • Ford Fusion

A Honda Fit is the cheapest car to insure for teenagers. Search Craigslist and similar websites for the above makes and models to find the cheapest used cars to insure for teenage drivers. The cheapest used cars to insure for teenagers are often cheaper when new as well.

Most of the cheapest cars to insure for younger drivers are included in the list above. If you can find a 10+-year-old model of any of the vehicles listed above, then you should be paying extremely low car insurance coverage prices on cars for a new driver.

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What are the most expensive cars for 17-year-olds?

Generally, the most expensive cars to insure for a young driver will meet the following criteria:

  • Sports cars
  • Luxury cars
  • Poor safety ratings
  • Poor crash test ratings

If a car is prone to crashing before a teenager even gets behind the wheel, rates will be expensive. For example, luxury and sports cars have more powerful engines, making it easier to reach high levels of speed.

The potential of added risks makes any sports car far from becoming the cheapest car to insure for a teenager. Safety ratings are another major consideration.

Cars with poor safety ratings mean drivers are more likely to get into crashes and be injured. So eliminating any vehicles that are dangerous is one of the best ways to make sure you aren’t buying one of the most expensive cars to insure for 17-year-olds.

Why is coverage so expensive for 17-year-olds? Insurance rates for a teenage driver are all about risk. With no experience, teenage drivers are more likely to be involved in a car accident. This is why it’s important to find the cheapest cars used to insure for teenage drivers.

Add in the factor of an expensive, fast, or poorly-made car, and now there is a ton of risk for the insurer. This is why many cheaper brands and models are considered the best cars for teens.

Why are older vehicles cheaper to insure?

In general, it’s a good idea for a teen driver to drive an older vehicle. Coverage for an older vehicle has two main advantages:

  • You can ignore bumps, scratches, and other minor issues on an older vehicle, and you don’t have to worry about making a claim for minor incidents
  • You can remove collision and comprehensive coverage from your plan to significantly reduce the average insurance costs

All drivers must carry liability coverage based on their state’s laws. Liability insurance covers damage you inflict on other drivers and property while operating a vehicle. This is required to drive on any public road.

You’re not required, however, to have comprehensive and collision coverage, which are supplementary policies that provide further protection.

Collision coverage covers the costs to your own vehicle if you get into an accident. Comprehensive coverage, meanwhile, covers things like vandalism and theft.

If you’re driving an older vehicle, then it’s often in a 17-year-old driver’s best interest to drop collision and comprehensive coverage. In many cases, the cost of repairing an older vehicle is higher than the value of the vehicle itself. You can find out your car’s value from Kelley Blue Book.

Dropping comprehensive and collision coverage is absolutely the best way to save money on teen car insurance as a 17-year-old – no matter which type of vehicle you’re driving.

Are all older vehicles cheaper to insure?

Not all older vehicles are cheap. You might drive a 15-year old Porsche, for example, and still be stuck paying high insurance rates as a teenage driver.

If you’re looking for the cheapest car to insure as a 17-year-old, then you need to find a cheap and older vehicle. Driving a cheap vehicle allows you to drop comprehensive and collision coverage, if necessary.

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Cheaper vehicles are also made with lower-cost parts. Even if you buy a brand new low-cost vehicle, it’s going to be significantly cheaper to repair than a brand new, expensive vehicle.

Your insurance company understands this and uses this information when calculating your rates. To buy the cheapest 17-year-old auto insurance, you need a reasonable vehicle.

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What are some other ways to save money on auto insurance for 17-year-olds?

So you’re driving a car that’s one of the cheapest cars to insure for a teenager, but your car insurance is still too expensive. What else can you do to find cheap insurance for 17-year-olds?

Want to learn how to save on auto insurance for 17-year-olds? Here are some of the strategies other 17-year-old drivers have used to save lots of money on car insurance:

  • Get Added to your Parents’ Policy:Many insurers will offer policyholders a discount for paying their 6-month insurance premium in full. Some companies offer up to 10% off.
  • Pay insurance premium in full: Many insurers will offer policyholders a discount for paying their 6-month premiums in full. Some companies offer up to 10% off.
  • Get Good Grades: Many major insurance companies offer a car insurance discount for students with good grades. Students can receive up to 5% off with proof of good grades up to age 25.
  • Take a Driver Education Course: A driver training course will make you a better, safer driver. That’s why insurance companies will give you a discount for taking a driver’s education course.
  • Leave the Car at Home While Attending School: If you’re going to college, many insurance companies will often offer a steep discount if your school is more than 100 miles away from home and you’re not taking your vehicle. Even better, there is no lapse in coverage.

These are some of the most common discounts for 17-year-old drivers. Ultimately, there are hundreds of ways to save money on car insurance as a 17-year-old driver, but to a point.

At that point, the best thing you can do is wait. As you get older, your car insurance rates will inevitably drop – especially if you maintain a safe driving record.

Will shopping for insurance rates help 17-year-olds save?

If you find yourself running out of ways to cut your insurance cost at your current insurer, shopping for a new insurer may help you save. We partnered with Quadrant to bring you data on 17-year-old auto insurance rates.

How much is car insurance for a 17-year-old? Let’s take a look.

Average Auto Insurance Rates for 17-Year-Olds
Average Auto Insurance Rates for 17-Year-OldsAverage Rates for a Single 17-Year-Old FemaleAverage Rates for a Single 17-Year-Old Male
USAA$4,807.54$5,385.61
Geico$5,653.55$6,278.96
Nationwide$5,756.37$7,175.31
State Farm$5,953.88$7,324.34
American Family$5,996.50$8,130.50
Farmers$8,521.97$9,144.04
Progressive$8,689.95$9,625.49
Allstate$9,282.19$10,642.53
Travelers$9,307.32$12,850.91
Liberty Mutual$11,621.01$13,718.69
Average $7,559.03$9,027.64
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After looking at average auto insurance rates for 17-year-olds, you can see that shopping around for rates can help you save on car insurance for young drivers.

How much does auto insurance for 17-year-olds cost? There’s no way to put a perfect value on the insurance cost since it depends on the vehicle year, model, safety rating, features, and even the state you live in.

At the end of the day, a 17-year-old’s car insurance rates are going to be higher than an adult’s, even if they have a clean driving record. That doesn’t mean you can’t save money.

What is the bottom line for the car that has the cheapest insurance for 17-year-olds?

Learning how to get car insurance for a 17-year-old doesn’t have to be difficult. Stay away from the newest models and be sure that the vehicle has great safety ratings. There are plenty of car insurance discounts for teenagers, too.

It’s no secret that car insurance for 16 year olds, 17 year olds, and any teen for that matter can be expensive. If you are ready to find the cheapest 17-year-old auto insurance quotes, use our free tool below to compare top car insurance rates in your area. What’s the best auto insurance company for a 17-year-old? We can help you find cheap car insurance. Find out now.

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