Best car insurance for 17-year-olds: Cheap companies (2022)

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*Overall rating applies to a standard driving profile while ranking order applies to 17-year-old drivers.

#1: State Farm

Considering availability and average cost, State Farm is the best car insurance for 17 year olds. State Farm’s average rates are about 34% lower than the national rates for this age group. Beyond that, State Farm offers discounts and programs that can help teen drivers save money, including:

  • Drive safely and saveMT discount based on use of Up to 30%
  • stay away® educational program for drivers under 25
  • Good student discount up to 25%

Keep reading: State Farm Insurance Review

#2: Erie Insurance

Erie Insurance is another inexpensive option for 17-year-old drivers. In fact, the average rates for this age group are about 44% lower than the national average. This is a significant difference in annual premium costs. Unfortunately, Erie is only available to motorists in Washington, DC and 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin.

Here are a few Erie Insurance Discounts that can help 17-year-olds lower their car insurance premiums:

  • Young driver discount
  • Young driver longevity discount
  • Discount on driver training
  • Student discount

#3: Geico

According to our rate estimates, Geico is about 35% cheaper than the national average for 17-year-olds. We also ranked Geico as the best overall provider for good drivers due to its strong reputation in the industry, good customer service, and wide selection of coverage options. Geico offers the following discounts for young drivers:

  • Driver Education Discount
  • Good student discount
  • Discount on new vehicles
  • Multi-vehicle and multi-policy discounts
  • Usage-based DriveEasy program

Keep reading: Geico Insurance Review

#4: United States of America

USAA is generally one of the cheapest providers in the world – 17 year olds pay around 39% less than the national average with USAA. However, USAA is only available to military members, veterans, and military family members. 17-year-olds are eligible for coverage if they are enlisted in the armed forces or have a parent who is or was a member of the military. The USAA offers the according to the applicable discounts:

  • Discount on driver training
  • SafePilotMT usage-based program
  • Good student
  • military installation

Keep reading: USAA Insurance Review

#5: Car Owners

Auto-Owners is one of the cheapest car insurance companies for 17 year olds. Our estimates show that this age group pays about 43% less with auto owners than the national average. Auto-Owners is available in 26 states and offers the next discounts which can be useful for 17 year olds:

  • Good student discount
  • Student absent from school
  • Discount on teen driver monitoring

Keep reading: Automobile Owners Insurance Review

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