How old must you be to get your own car insurance?

I'm going to be moving out of my parents’ house at the end of next year. How old do you have to be to get your own car insurance?

Answer
Per most state law, the minimum age requirement for owning car insurance is 17 years old. However, such states will still require official documentation, such as written permission from a parent, to approve a policy for a young driver.
In some states, any driver who is 17 will need to have a parent listed on the car’s insurance card, registration, and title.
On the other hand, a few states only state a minimum age for owning a car. From there, it is up to each insurer to determine when a teen can take out a policy without a parental cosigner.
Know that having your own insurance policy as someone under 25 is costly. 17-year-old drivers may pay $5000 or more each year for car insurance, and these high rates don’t decrease until you hit your mid-twenties.
It’s best to compare quotes from multiple providers to find the lowest rates available to you.
Jerry is the easiest and most effective way to compare dozens of quotes from top providers and maximize your savings. Sign-up only takes 45 seconds, and the average Jerry user saves $879 a year on car insurance payments.
Carlos Kirby
Answered on Nov 04, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!
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