Car insurance costs may vary from state to state based on various rules and parameters. A few states are known to compulsorily make certain types of liabilities covered when purchasing car insurance and this might become a reason why the cost rises.

Be that as it may, insure teenagers who are starting with driving need to pay higher premiums than whatever is commonly paid by the typical adults. The average cost of annual car insurance for 17-year-old stands at $5,900 which provides full coverage whereas a 30 years old driver pays upwards of $1,800 only. The massive difference in the rates is because the younger drivers are inexperienced which makes them risky to insure as they could get into accidents more thereby raising the chances of making claims. Furthermore, the average car insurance for 17 year old pay monthly between $270-$520 if they’re a female driver and more for male drivers of similar age.

Factors that affect Cheapest Car Insurance for 17 Year Old Male & Female

Calculating the cost of average car insurance cost for 17 year old female and male depends on various constituent factors that are determined by the insurance providers. Commonly, these factors help them access the risk of providing insurance and so, it is beneficial that you learn about them to save yourself some money.

Type of Car

The type of vehicle you drive affects the rates of your premiums most as a luxurious vehicle is comparatively less cheap to insure as opposed to an economical vehicle. Owning a sports car will certainly skyrocket your auto insurance rates so it is advised that you buy an economical vehicle to keep the costs to a minimum.

Driving History

If you’re an experienced driver, then you might get lower rates but this is not the case for teenagers. Yet, there’s something that can benefit the young drivers and it’s getting enrolled in a driving program from a recognized driving school. Successfully completing the program will grant you a certificate of driving hours that can help with lowering rates when presented to the auto insurance provider.

Commute Distance & Duration

If you plan on driving more, then your car insurance rates will spike because driving more increases the chances of getting into accidents. If your commute is minimal or limited to a few locations such as home to college and back then you could get low rates.

Liability Coverage

The type of coverage you choose also vastly affects your car insurance cost. A full-coverage will provide all-round protection and cover charges for damage repair and injuries in a claim post an accident. The minimal coverage (third party) might be cheaper but isn’t always ideal especially when buying insurance for teenagers.

Area of Residence

If your area of residence is in a city with an unusually large population, then you might be asked to pay higher rates as opposed to living in the neighborhood of a quiet town with relatively less population. Where you park your vehicle also makes a significant difference in calculating the cost of premiums.

Rules for A 17 Years Old Driver

Certain states have mandatory rules for driver under the age of 18 under the laws for Graduated Driver License (GDL) and they are mentioned below:

  • Driving is limited to daytime hours.
  • An adult passenger is required to be present in the car.
  • Passengers under a certain age aren’t allowed in the car.
  • Visiting destinations other than school, home, and the workplace is prohibited.
  • The use of cellphones and smart devices is prohibited in the car.

Contact Atozinsuranceusa.com to get the best cheap car insurance quotes for 17 years old and to learn about the different discounts that can help you pay less towards auto insurance premiums. For a hassle-free experience, you can contact our local agents to assist you further.