Cheapest Cars for 17-Year-Olds to Insure in 2024 (Save With These 10 Companies!)

The top pick overall for the cheapest cars for 17-year-olds to insure are the Honda CR-V LX, Jeep Wrangler JL Sport, and Subaru Crosstrek, with rates starting at $131/mo.

These vehicles stand out for their blend of affordability, safety, and reliability, making them ideal for young drivers.

Our Top 10 Picks: Cheapest Cars for 17-Year-Olds to Insure

This article breaks down why these models offer the best value, understanding auto insurance, and explores tips to secure the lowest insurance rates.

Learn how to save on insurance for 17-year-olds by choosing the right car and leveraging discounts.

Ready to buy auto insurance for a 17-year-old? Get personalized rates in just minutes by entering your ZIP code in our free tool above.

#1 – Honda CR-V LX: Top Overall Pick

Pros

• Comprehensive Coverage Options: Honda CR-V LX offers a wide range of coverage options tailored to different needs. Discover additional insights on “Cheap Honda Auto Insurance.”
• Strong Safety Ratings: High safety ratings contribute to lower insurance premiums.
• Reliability: Honda’s reputation for reliability can reduce long-term maintenance costs.

Cons

• Higher Initial Cost: The Honda CR-V LX might have a higher upfront purchase price compared to some competitors.
• Average Fuel Efficiency: While decent, the CR-V LX’s fuel efficiency could be better for cost savings over time.

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#2 – Jeep Wrangler JL Sport: Best for Off-Road Capability

Pros

• Off-Road Capability: The Wrangler JL Sport’s ruggedness appeals to adventurous drivers.
• Iconic Design: Distinctive styling can enhance resale value.
• Competitive Insurance Rates: Starting at $132 per month, it offers affordability for young drivers.

Cons

• Higher Maintenance Costs: Jeep Wranglers can have higher maintenance costs due to their off-road capabilities. Uncover further understanding on “Affordable Jeep Wrangler Auto Insurance Quotes.”
• Lower Fuel Efficiency: Typically, Wranglers are less fuel-efficient, leading to higher fuel costs.

#3 – Subaru Crosstrek: Best for All-Wheel Drive Standard

Pros

• All-Wheel Drive Standard: Enhanced safety and performance in various road conditions.
• Solid Reliability: Subaru’s reputation for reliability reduces long-term ownership costs. Gain deeper knowledge on “Cheap Subaru Auto Insurance.”
• Lower Insurance Rates: Starting at $134 per month, it offers competitive rates for young drivers.

Cons

• Limited Cargo Space: Crosstrek’s compact size may limit cargo capacity for some users.
• Firm Ride Quality: Some drivers may find the Crosstrek’s suspension on the firmer side.

#4 – Subaru Forester 2.5I: Best for Spacious Interior

Pros

• Spacious Interior: Ample room for passengers and cargo.
• Reveal more information on “Affordable Subaru Forester Auto Insurance Quotes.”
• Excellent Safety Features: Subaru’s Eyesight driver assistance system enhances safety.
• Low Maintenance Costs: Subaru’s reliability translates to lower long-term maintenance expenses.

Cons

• Modest Acceleration: The Forester’s acceleration may not satisfy drivers seeking quicker performance.
• Higher Initial Cost: Like other Subarus, the Forester’s initial purchase price can be higher.

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#5 – Hyundai Tucson SE: Best for Strong Warranty

Pros

• Strong Warranty: Hyundai’s warranty provides peace of mind for young drivers. Find extra details on “Cheap Hyundai Auto Insurance.”
• Affordability: Starting at $136 per month, the Tucson SE offers competitive insurance rates.
• Modern Features: Includes advanced tech and comfort features for the price point.

Cons

• Resale Value: Tucson’s depreciation might be steeper compared to some competitors.
• Average Fuel Efficiency: Fuel economy could be improved for greater cost savings.

#6 – Jeep Compass Latitude: Best for Jeep Brand Appeal

Pros

• Jeep Brand Appeal: Shares rugged qualities with other Jeep models. Explore more insights on “Cheap Jeep Auto Insurance.”
• Competitive Insurance Rates: Starting at $137 per month, it offers affordability for young drivers.
• Comfortable Interior: Well-appointed cabin with user-friendly technology.

Cons

• Reliability Concerns: Historically, Jeep Compass models have had mixed reliability ratings.
• Higher Road Noise: Interior noise levels may be higher than some competitors.

#7 – Chevrolet Equinox L: Best for Spacious Cabin

Pros

• Spacious Cabin: Ample room for passengers and cargo. Gather extra insights about our guide
  “Affordable Chevrolet Sonic Auto Insurance Quotes.”
• Smooth Ride: Comfortable handling and ride quality.
• Affordable Insurance: Starting at $138 per month, it offers competitive rates for young drivers.

Cons

• Interior Quality: Some materials may feel less premium compared to rivals.
• Average Fuel Efficiency: Could benefit from better fuel economy ratings.

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#8 – Ford Escape S: Best for Strong Performance

Pros

• Strong Performance: Offers good acceleration and handling dynamics. Learn new perspectives on “Cheap Ford Auto Insurance.”
• User-Friendly Technology: SYNC infotainment system is intuitive.
• Decent Fuel Economy: Provides competitive efficiency for its class.

Cons

• Lower Resale Value: Ford Escapes may not retain value as well as some competitors.
• Higher Maintenance Costs: Maintenance expenses could be higher compared to others in its class.

#9 – Volkswagen Tiguan SE: Best for Upscale Interior

Pros

• Upscale Interior: Premium materials and well-crafted cabin. Unearth additional data about “Cheap Volkswagen Auto Insurance.”
• Turbocharged Engine: Offers good performance and fuel efficiency balance.
• Comprehensive Safety Features: Includes advanced driver-assistance systems.

Cons

• Premium Price Tag: Tiguan’s initial cost might be higher than some peers.
• Potential Reliability Issues: Some past models have had reliability concerns.

#10 – Ford F-150 XL: Best for Versatility

Pros

• Versatility: F-150’s capability for both work and daily driving needs.
• Strong Resale Value: Holds value well in the long term. Acquire further comprehension about “Affordable Instant Auto Insurance Quotes.”
• Competitive Insurance Rates: Starting at $145 per month, it offers affordability for young drivers.

Cons

• Higher Fuel Costs: Larger size and engine options can lead to increased fuel expenses.
• Parking and Maneuverability: F-150’s size may pose challenges in urban settings.

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Explore the Cheapest Cars to Insure for 17-Year-Olds to Insure

Looking for the cheapest car for a teenager to insure? This can be completely understandable. Cheaper, older vehicles are typically cheaper to insure than newer, more expensive vehicles for obvious reasons.

However, prices for 17-year-olds don’t change much between brands or vehicle types. Finding the cheapest cars to insure for a new driver might help, but it won’t save a fortune.

Whether you’re driving a 15-year-old Honda or a 15-year-old Ford, you’re going to pay similar rates on similar vehicles for coverage for a 17-year-old.

Nevertheless, some of the best cars you should consider if you’re looking for the cheapest cars to insure for 17-year-olds are common everyday drivers. What are the cheapest cars to insure for teenagers?

• Honda Fit
• Suzuki SX4
• Scion xD
• Scion tC
• Mercury Sable
• Toyota Prius
• Scion xB
• Saturn Aura
• Hyundai Sonata
• Ford Fusion

A Honda Fit is the cheapest car to insure for teenagers. Search Craigslist and similar websites for the above makes and models to find the cheapest used cars to insure for teenage drivers. The cheapest used cars to insure for teenagers are often cheaper when new as well.

Most of the cheapest cars to insure for younger drivers are included in the list above. If you can find a 10+-year-old model of any of the vehicles listed above, then you should be paying extremely low car insurance coverage prices on cars for a new driver.

Discover the Most Expensive Cars for 17-Year-Olds to Insure

Generally, the most expensive cars to insure for a young driver will meet the following criteria:

• Sports cars
• Luxury cars
• Poor safety ratings
• Poor crash test ratings

If a car is prone to crashing before a teenager even gets behind the wheel, rates will be expensive. For example, luxury and sports cars have more powerful engines, making it easier to reach high levels of speed.

The potential of added risks makes any sports car far from becoming the cheapest car to insure for a teenager. Safety ratings are another major consideration.

Cars with poor safety ratings mean drivers are more likely to get into crashes and be injured. So eliminating any vehicles that are dangerous is one of the best ways to make sure you aren’t buying one of the most expensive cars to insure for 17-year-olds.

Car Insurance Monthly Rates for 17-Year-Olds by Coverage Level & Provider

Why is coverage so expensive for 17-year-olds? Insurance rates for a teenage driver are all about risk. With no experience, teenage drivers are more likely to be involved in a car accident. This is why it’s important to find the cheapest cars used to insure for teenage drivers.

Add in the factor of an expensive, fast, or poorly-made car, and now there is a ton of risk for the insurer. This is why many cheaper brands and models are considered the best cars for teens.

Navigate Why Older Vehicles Cheaper to Insure

In general, it’s a good idea for a teen driver to drive an older vehicle. Coverage for an older vehicle has two main advantages:

• You can ignore bumps, scratches, and other minor issues on an older vehicle, and you don’t have to worry about making a claim for minor incidents
• You can remove collision and comprehensive coverage from your plan to significantly reduce the average insurance costs

All drivers must carry liability coverage based on their state’s laws. The affordable liability auto insurance coverage covers damage you inflict on other drivers and property while operating a vehicle. This is required to drive on any public road. You’re not required, however, to have comprehensive and collision coverage, which are supplementary policies that provide further protection.

Collision coverage covers the costs to your own vehicle if you get into an accident. Comprehensive coverage, meanwhile, covers things like vandalism and theft.

If you’re driving an older vehicle, then it’s often in a 17-year-old driver’s best interest to drop collision and comprehensive coverage. In many cases, the cost of repairing an older vehicle is higher than the value of the vehicle itself. You can find out your car’s value from Kelley Blue Book.

Dropping comprehensive and collision coverage is absolutely the best way to save money on teen car insurance as a 17-year-old – no matter which type of vehicle you’re driving.

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Finding if all Older Vehicles are Cheaper to Insure

Not all older vehicles are cheap. You might drive a 15-year old Porsche, for example, and still be stuck paying high insurance rates as a teenage driver.

If you’re looking for the cheapest car to insure as a 17-year-old, then you need to find a cheap and older vehicle. Driving a cheap vehicle allows you to drop comprehensive and collision coverage, if necessary. Check out our guide about “Comprehensive vs. Collision Coverage.”

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Cheaper vehicles are also made with lower-cost parts. Even if you buy a brand new low-cost vehicle, it’s going to be significantly cheaper to repair than a brand new, expensive vehicle.

Your insurance company understands this and uses this information when calculating your rates. To buy the cheapest 17-year-old auto insurance, you need a reasonable vehicle.

Some Other Ways to Save Money on Auto Insurance for 17-Year-Olds

So you’re driving a car that’s one of the cheapest cars to insure for a teenager, but your car insurance is still too expensive. What else can you do to find cheap insurance for 17-year-olds?

Want to learn how to save on auto insurance for 17-year-olds? Here are some of the strategies other 17-year-old drivers have used to save lots of money on car insurance:

• Get Added to Your Parents’ Policy: Many insurers will offer policyholders a discount for paying their 6-month insurance premium in full. Some companies offer up to 10% off.
• Pay Insurance Premium in Full: Many insurers will offer policyholders a discount for paying their 6-month premiums in full. Some companies offer up to 10% off.
• Get Good Grades: Many major insurance companies offer a car insurance discount for students with good grades. Students can receive up to 5% off with proof of good grades up to age 25.
• Take a Driver Education Course: A driver training course will make you a better, safer driver. That’s why insurance companies will give you a discount for taking a driver’s education course.
• Leave the Car at Home While Attending School: If you’re going to college, many insurance companies will often offer a steep discount if your school is more than 100 miles away from home and you’re not taking your vehicle. Even better, there is no lapse in coverage.

These are some of the most common discounts for 17-year-old drivers. Ultimately, there are hundreds of ways to save money on car insurance as a 17-year-old driver, but to a point. Browse our guide titled “Auto Insurance Discounts for Affordable Coverage.”

At that point, the best thing you can do is wait. As you get older, your car insurance rates will inevitably drop – especially if you maintain a safe driving record.

Shopping for Insurance Rates Help 17-Year-Olds Save

If you find yourself running out of ways to cut your insurance cost at your current insurer, shopping for a new insurer may help you save. We partnered with Quadrant to bring you data on 17-year-old auto insurance rates (Read our: How much is it to add a teenager to auto insurance?).

How much is car insurance for a 17-year-old? Let’s take a look.

Car Insurance Monthly Rates for 17-Year-Olds by Gender & Provider

After looking at average auto insurance rates for 17-year-olds, you can see that shopping around for rates can help you save on car insurance for young drivers.

How much does auto insurance for 17-year-olds cost? There’s no way to put a perfect value on the insurance cost since it depends on the vehicle year, model, safety rating, features, and even the state you live in.

At the end of the day, a 17-year-old’s car insurance rates are going to be higher than an adult’s, even if they have a clean driving record for auto insurance. That doesn’t mean you can’t save money.

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Buy Cheap Car Insurance for 17-Year-Olds Near You

Finding affordable car insurance for 17 year olds can be challenging due to the high risk associated with young drivers. However, there are ways to secure cheap car insurance for 17 year olds by comparing quotes from multiple providers.

Some of the top cheap car insurance companies for 17 year olds include State Farm, USAA, and Travelers. These companies offer competitive rates and various discounts, making it easier to find cheap car insurance cars for 17 year olds.

Choosing the right vehicle is crucial in reducing insurance costs. Some of the cheap cars to insure for 17 year olds are the Honda CR-V LX, Jeep Wrangler JL Sport, and Subaru Crosstrek.

These models are considered the cheapest cars to insure for young drivers due to their safety features and reliability. When determining which car is cheapest to insure for a 17 year-old, factors such as safety ratings and repair costs play a significant role.

The average car insurance for 17 year old drivers varies but typically starts around $131 per month for the most affordable options. For car insurance for 17 year old male drivers, rates tend to be higher, but selecting cheap cars for 17 year olds and taking advantage of discounts can help lower premiums.

The best car insurance for 17 year olds combines affordability with comprehensive coverage and excellent customer service, ensuring young drivers get the necessary protection without breaking the bank. Regularly comparing quotes can help find the cheapest car to insure for teenager drivers and secure cheap cars for insurance 17 year olds.

Best Auto Companies for 17-Year-Old Drivers to Insure

The best companies for the cheapest cars for 17-year-olds to insure are State Farm, USAA, and Travelers. These providers offer competitive rates, starting as low as $130 per month, along with excellent discounts and comprehensive coverage options.

Our Top 10 Picks: Cheapest Auto Insurance Companies for 17-Year-Olds

State Farm is particularly noted for its teen discounts, while USAA excels for military families, and Travelers offers robust car replacement programs. This article explores how these top picks provide affordable and reliable insurance for young drivers.

Case Studies: Real Savings for 17-Year-Olds to Insure

Finding the cheapest cars for 17-year-olds to insure can be a challenge, but real-world examples show how top insurance companies make it easier. Below, we explore three case studies that highlight how State Farm, USAA, and Travelers help young drivers save on their car insurance.

• Case Study #1 – Maximizing Teen Discounts: Emily, a 17-year-old high school student, reduced her monthly premium for her Honda CR-V LX from $180 to $130 by leveraging State Farm’s good student discount, distant student auto insurance discounts, and the Steer Clear safe driving program. This combination of discounts made State Farm an affordable and practical choice for Emily.
• Case Study #2 – Military Family Benefits: John, a 17-year-old from a military family, benefited from USAA’s military family discounts and accident forgiveness program, reducing his monthly insurance cost for his Subaru Crosstrek to $135. USAA’s tailored benefits for military families provided comprehensive coverage at an affordable rate.
• Case Study #3 – Comprehensive Coverage and Car Replacement: Sarah, a 17-year-old new driver, chose Travelers for its new car replacement program and accident forgiveness. By enrolling in the IntelliDrive program, Sarah qualified for discounts that lowered her premium for her Jeep Wrangler JL Sport to $150 per month, ensuring comprehensive and affordable coverage.

These case studies demonstrate how choosing the right insurance company can significantly reduce costs for young drivers.

State Farm, USAA, and Travelers each offer unique benefits, proving that affordable and reliable insurance for 17-year-olds is attainable with the right provider.

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The Bottom Line for the Car That has the Cheapest Insurance for 17-Year-Olds

Learning how to get car insurance for a 17-year-old doesn’t have to be difficult. Stay away from the newest models and be sure that the vehicle has great safety ratings. There are plenty of car insurance discounts for teenagers, too.

It’s no secret that car insurance for 16 year olds, 17 year olds, and any teen for that matter can be expensive. If you are ready to find the cheapest 17-year-old auto insurance quotes, use our free tool below to compare top car insurance rates in your area.

Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.

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