I'm 17, why is car insurance so expensive for me?

I've never been in an accident or been pulled over. So why do I have to pay so much?

“Bothersome as it is, car insurance companies see 17-year-old drivers as risky to insure.
Looking at statistics, younger drivers are more likely than older, experienced drivers to get in an accident or moving violation. Car insurance companies mitigate their own possible expenses by charging a premium to insure you.
This is a trend across the board—it has been found that drivers aged 16 to 19 pay the highest for car insurance. Don’t fret; you should see your insurance rates go down a lot once you turn 25, and they will continue to decrease after that.
Until then, there are some discounts you may be eligible for to help save on your car insurance policy. For example, you can complete a defensive driving course that teaches highway safety and defensive driving.
Good students are also eligible for savings on their insurance premiums. Keeping your GPA above a 3.0 can take a significant chunk off your yearly premium.
Young drivers can also save money by staying on their family’s insurance policy. While the savings may not be drastic, most insurance providers will require that each person of driving age living in your household be listed on any policy, whether it be yours or your parents.
The best way to help you and your family save money on your car insurance is to compare rates with multiple companies. Try using the Jerry app to make this process easy! Jerry compares rates from the top providers and delivers the best deals to your phone in minutes. And best of all–it’s free.”
Rachel Juillerat
Answered on Aug 26, 2021
Rachel Juillerat has her Master's in Publishing & Writing from Emerson College. You can view her work in the Independent, Cupid's Pulse, and the Penmen Review. She has worked in personal finance for five years before transitioning to insurance. She lives in Boston, where she spends her time exploring small New England towns, learning new skills, and napping through her cat's zoomies.

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