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Car Insurance for a Week for 17-Year-Olds

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/insproviders-live/ca745a12-daniel-walker.png

UPDATED: Mar 19, 2020

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The lowdown...
  • If you are the parent of a 17-year-old driver, you are probably already aware that the cost of car insurance coverage can be prohibitively expensive
  • Even though the rates for car insurance coverage for a 17-year-old driver are more expensive in general, there are things you can do, such as getting good grades and taking extra driving safety courses, to reduce your rate
  • Some car insurance companies specialize in providing temporary car insurance coverage, but it is important to have car insurance coverage at all times that you are driving
  • You can always decide to cancel your car insurance coverage after you have signed up for a policy by calling the car insurance company and getting a refund of your unused premium
  • Teen drivers need to be especially aware of following all safety rules while behind the wheel so that they do not cause an accident or get an expensive traffic ticket

If you are looking for car insurance coverage as a 17-year-old driver, you should be warned that it can be very expensive.

It may even be difficult to find an auto insurance company that will give you a policy of your own because of your inexperience behind the wheel. The best move might be to see if you can get added to your parents’ insurance policy.

If you think that you only need car insurance coverage for a very short period of time, then you might want to consider checking into companies that specialize in providing temporary car insurance coverage solutions to drivers.

Compare car insurance quotes today to find the best rate for the coverage you need. Enter your zip code into our free comparison tool above to get started.

Making the Cost of Car Insurance Coverage More Reasonable for New Teen Drivers

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The main reason that car insurance coverage is so expensive for new drivers is that they are much more likely to cause an accident than drivers with more experience on the road.

In fact, according to the Insurance Information Institute, auto accidents are the primary cause of death among 15- to 20-year-olds.

Here are some suggestions to keep the price of insuring your teen as low as possible:

  • Help your teen keep a clean driving record
  • Apply for a discount if your teen has good grades
  • Enroll your teen in a safe driving course

The best way to make sure that you can get a reasonable rate on car insurance coverage as a teen driver is to do everything in your power to avoid getting into a car accident or having a blemish on your driving record.

To keep a clean record, you must always drive the speed limit and never do anything reckless that could get you a ticket for a moving violation.

Some car insurance companies will provide discounts for teen drivers who earn good grades in school because studies have shown that they are more likely to be responsible on the road.

Another popular discount on car insurance coverage for teen drivers is based on taking a driving safety course in addition to the required classes to obtain your driver’s license.

Ask your car insurance company about which courses are available in your area and what you need to do in order to qualify for the discount.

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Finding the Right Auto Insurance Company

You will probably find that the best insurance solution for your teen driver is to have him or her added to your existing auto insurance policy.

Many auto insurance companies will even refuse to offer coverage to a teen driver who is not listed as a driver on a more experienced insured driver’s policy.

When you add a teen driver to your auto insurance policy, your premium will likely go up. This is a good time to think about what other rates for auto insurance coverage might be available to you.

You can take just a few minutes to search online and compare rates for auto insurance in your area. If you find a lower rate for auto insurance coverage, the process of moving to a new company typically only takes a few phone calls on your end.

If you need to have your teen driver removed from your auto insurance policy, it only takes a phone call to your auto insurance agent.

The policyholder is the one who has the right to make any changes to the policy, including which drivers are removed from the auto insurance policy.

If your teen driver is no longer on your auto insurance policy, he or she will need to get separate coverage so that they are not in violation of any state laws by driving without the required minimum auto insurance coverage.

Safety Issues for New Teen Drivers

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As a parent, you can make sure that your teen driver chooses a safe car to drive. You should check the safety ratings of a car before allowing your teen to buy it or get behind the wheel.

In general, it is best to stay away from smaller cars because there is less protection for the driver in the event of a crash. You should also be careful about SUVs for your teen driver because they are more likely to roll over in an accident.

The good news about choosing a safe car for your teen driver is that it might earn you a lower car insurance rate because car insurance companies consider the type of car you will be driving in determining the price you will pay for car insurance coverage.

The Insurance Institute for Highway Safety (IIHS) recommends that teen drivers be subjected to a graduated licensing program.

A graduated licensing program means that a teen driver is not able to get full driving privileges the second that he or she passes the driving test.

Instead, teen drivers earn driving privileges by gaining experience behind the wheel and going a certain period of time without any violations.

Even if your state does not require a graduated licensing program, it is a good idea to closely monitor when your teen driver is getting behind the wheel.

It is important to impose a set of rules that eliminate distractions and reduce the possibility that your teen driver could be involved in a serious and expensive auto accident.

Wrap Up on Finding Car Insurance Coverage for a Week for 17-Year-Old Drivers

If you are looking for short-term auto insurance coverage for a teen driver, it may take a little bit of effort to get a reasonable rate because auto insurance companies view teen drivers as a higher risk.

You will likely find that the cheapest and easiest option is to have a teen driver added to your existing auto insurance coverage instead of him or her getting a separate policy.

Compare quotes to find the best rate for auto insurance. Use our free rate tool to begin.

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