Merrill Burchell, Car Insurance Writer
A 17-year-old can get their own car insurance in most states. Most states require a parent to grant legal written permission for anyone under 18 to buy a car or insurance, however. In some states, a 17-year-old must also have a parent listed on the car’s title, registration and insurance. A few states set a minimum age for sole ownership of a car but let insurance companies decide whether a parent or guardian must co-sign the insurance policy.
If you are a minor and want to own and insure a vehicle, you should check with your state's department of motor vehicles to see if your state has a minimum age for car ownership. Also ask about extra measures you may need to take to register and insure a car until you turn 18.
Keep in mind that having your own policy will be expensive. The average cost of an individual policy for a 17-year-old is over $5,500 per year—more than three times the average amount paid by drivers over 25. Be sure to get multiple quotes, from companies like GEICO and Progressive that offer good rates for young drivers. If you are living at home or attending school, also consider talking with your parents about the pros and cons of being covered on their policy instead. It would be much cheaper.
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