Car Insurance for 17-Year-Olds: Average Rates by State (2026)
Quick Answer
A 17-year-old driver pays an average of $619/month ($7,428/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 17-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $3,794/yr | $316/mo | $1,117/yr | Details |
| Vermont | $3,910/yr | $326/mo | $1,175/yr | Details |
| New Hampshire | $4,025/yr | $335/mo | $1,194/yr | Details |
| Idaho | $4,160/yr | $347/mo | $1,213/yr | Details |
| Ohio | $4,353/yr | $363/mo | $1,271/yr | Details |
| North Carolina | $4,584/yr | $382/mo | $1,502/yr | Details |
| Iowa | $4,738/yr | $395/mo | $1,271/yr | Details |
| Wisconsin | $4,796/yr | $400/mo | $1,348/yr | Details |
| Wyoming | $4,950/yr | $413/mo | $1,348/yr | Details |
| North Dakota | $4,969/yr | $414/mo | $1,348/yr | Details |
| Indiana | $5,123/yr | $427/mo | $1,483/yr | Details |
| Hawaii | $5,162/yr | $430/mo | $1,502/yr | Details |
| South Dakota | $5,162/yr | $430/mo | $1,387/yr | Details |
| Montana | $5,297/yr | $441/mo | $1,406/yr | Details |
| Virginia | $5,335/yr | $445/mo | $1,579/yr | Details |
| Nebraska | $5,508/yr | $459/mo | $1,483/yr | Details |
| Oregon | $5,605/yr | $467/mo | $1,618/yr | Details |
| Washington | $5,662/yr | $472/mo | $1,676/yr | Details |
| West Virginia | $5,682/yr | $474/mo | $1,618/yr | Details |
| Alaska | $5,720/yr | $477/mo | $1,464/yr | Details |
| Pennsylvania | $5,855/yr | $488/mo | $1,387/yr | Details |
| Tennessee | $5,855/yr | $488/mo | $1,714/yr | Details |
| Utah | $5,894/yr | $491/mo | $1,695/yr | Details |
| New Mexico | $5,951/yr | $496/mo | $1,637/yr | Details |
| Illinois | $5,990/yr | $499/mo | $2,003/yr | Details |
| Minnesota | $6,028/yr | $502/mo | $1,810/yr | Details |
| Alabama | $6,080/yr | $507/mo | $1,887/yr | Details |
| Arkansas | $6,240/yr | $520/mo | $1,791/yr | Details |
| Missouri | $6,356/yr | $530/mo | $1,830/yr | Details |
| Mississippi | $6,375/yr | $531/mo | $1,907/yr | Details |
| Massachusetts | $6,471/yr | $539/mo | $2,119/yr | Details |
| South Carolina | $6,471/yr | $539/mo | $1,965/yr | Details |
| Maryland | $6,722/yr | $560/mo | $2,138/yr | Details |
| Kansas | $6,760/yr | $563/mo | $1,907/yr | Details |
| Arizona | $6,895/yr | $575/mo | $2,042/yr | Details |
| Colorado | $6,972/yr | $581/mo | $1,945/yr | Details |
| Delaware | $7,011/yr | $584/mo | $2,427/yr | Details |
| Oklahoma | $7,145/yr | $595/mo | $2,061/yr | Details |
| Rhode Island | $7,454/yr | $621/mo | $2,369/yr | Details |
| California | $7,755/yr | $646/mo | $1,830/yr | Details |
| Texas | $7,781/yr | $648/mo | $2,022/yr | Details |
| Georgia | $7,974/yr | $665/mo | $2,446/yr | Details |
| Connecticut | $7,993/yr | $666/mo | $2,773/yr | Details |
| Kentucky | $8,051/yr | $671/mo | $2,465/yr | Details |
| Nevada | $8,224/yr | $685/mo | $2,504/yr | Details |
| Michigan | $9,399/yr | $783/mo | $3,082/yr | Details |
| New Jersey | $9,707/yr | $809/mo | $3,005/yr | Details |
| Louisiana | $11,903/yr | $992/mo | $3,448/yr | Details |
| New York | $12,326/yr | $1,027/mo | $4,584/yr | Details |
| Florida | $12,663/yr | $1,055/mo | $3,582/yr | Details |