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How can a 17-year-old get their own car insurance?
I’m 17 and want to get my driver’s license. My parents want me to keep renewing my permit, instead of adding me to their insurance and getting my license. Can I get my own car insurance policy?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Learning how to drive is exciting, so understandably, you’re ready to get your license!
Whether you can get your own
car insurance
policy at 17 depends on where you live and whether you own a car. If you own a car, you should be able to get your own car insurance policy. Most insurance companies require anyone insuring a car to be the registered owner.
That said, getting a car insurance policy at 17 will be expensive. If your parents aren’t willing to add you to their policy, you will pay significantly more for your own insurance. Since insurance is risk-based, new or inexperienced drivers typically pay more for their insurance.
To help offset the cost of insurance, consider shopping around with multiple companies using
Jerry
. The Jerry app collects quotes from over 50 top insurance companies, like Nationwide and Progressive, in seconds. The average Jerry user saves $879 a year.Apart from ownership, some states and insurance companies have age restrictions. Usually, this prevents anyone under 18 from having their own insurance policy, even if they own a car.
If you aren’t eligible for your own policy, talk to your parents. If they’re worried about their rate increasing, suggest they try Jerry or find out what discounts their insurance company offers. Most insurance companies have
good student
or driver training course discounts that you may be eligible for. Best of luck!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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