Yes, you can get non-owner car insurance at 17 years old. Most states will allow minors to legally have an insurance policy in their names, however the specifics will vary based on where you live. Additionally, it can be difficult to get insurance companies to put a policy in place without a parent or a legal guardian, so the better choice, especially if you don't own the vehicle yourself, would be to have your parents add you as a driver on their policy.
States will vary on their laws when it comes to teenage drivers having their own car insurance policies. Ohio for example will require your parent or legal guardian to complete a consent form, while South Carolina's only restriction is that you own the vehicle you want to insure. In any case, the best course of action is to check with your local DMV and insurance regulator for all of the requirements in your state.
Car insurance for a 17-year-old costs $2,585 per year, on average. Drivers who are just 17 years old pay more for car insurance than older, more experienced drivers because insurers consider young people to be high-risk, meaning they’re more likely to file a claim.
Because the cost of coverage for 17-year-olds is so high, it’s important to shop around for multiple quotes before buying a policy. Some of the best car insurance companies for 17-year-old drivers are … read full answerTravelers, USAA and Mercury.
Cost of Car Insurance for a 17-Year-Old by Company
The exact cost of car insurance for a 17-year-old depends on a few factors, including their driving record, gender, and vehicle type. Additionally, whether a 17-year-old is buying their own policy or being added to their parents’ policy makes a difference.
Adding a 17-year-old to an existing policy will raise the premium by an average of 140% to 160%. But even with the added cost, it’s still a more cost-effective option than having the driver purchase their own policy.
Kids should get their own car insurance when they purchase and title their own car and no longer live at home. Although some insurance companies will let you add a vehicle not registered in your name to your policy, most will only allow cars titled in the name of the primary policyholder to be added.… read full answer
If your child lives with you, it’s assumed they have regular access to your vehicle, and most insurers will require them to be listed on your policy. As soon as your teen driver is licensed, you’ll need to add them to your policy or prove to your insurer that they are either insured or permanently residing elsewhere. If you title a car in your child’s name, your child will have to get their own policy. But you can still list them as a driver on your policy if they are living at home and will have access to your covered vehicles.
There is no set age at which you have to remove your child from your car insurance policy. They can remain on your policy indefinitely, as long as they live at your address and the title remains in your name. It is possible to exclude your child from your insurance policy, but that means your child has zero coverage if they get into an accident driving one of your cars. If your child has had multiple tickets, a license suspension or a DUI, your insurer may require you to exclude your child from your policy.
Having a young driver on your policy has drawbacks for you as the primary policyholder. The biggest disadvantage is that your child’s driving habits become part of your insurance history, since your policy will pay for their claims. If your child gets into an accident, you will see premiums go up for everyone listed on the policy.
On the bright side, it is more cost-effective to add your child to your policy. Teenagers will get a more affordable rate if they are listed as a driver on a parent’s policy than they would on their own policy. Plus, you’re eligible for discounts your child might not be, like bundling with homeowner’s coverage. Although car insurance for teens is always expensive, you may be eligible for additional discounts if your child has good grades, attends driver education courses, or takes a defensive driving class.
The cheapest car to insure for a first-time driver is the Subaru Forester. Other cheap cars to insure for new drivers include the Dodge Grand Caravan and Honda Odyssey, thanks to their low repair costs, high safety ratings, and low accident rates compared to expensive, high-powered vehicles. In fact, the … read full answercharacteristics of these vehicles make them the cheapest options for most drivers, regardless of age and experience.
Cheapest Cars to Insure for First-Time Drivers
Dodge Grand Caravan
In general, the faster a car can go or the more expensive it is to repair or replace, the more expensive it will be to insure. Additionally, cars that are more popular among thieves tend to drive up insurance costs, regardless of how much they’re worth.
New drivers typically pay more for car insurance than older drivers due to their lack of experience, so picking the right car is a great way to lower the cost of coverage. If you have a specific vehicle in mind, consider getting a quote for it from at least three different insurance companies to make sure that you can afford the cost of coverage.
You should always do your research before buying a new car, especially if you’re a new driver who will already be paying more for insurance. To learn more, check out WalletHub’s guide on the cheapest cars to insure.
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