Best Cheap Auto Insurance Quotes for 17 Year Olds in Florida

Our editors keep telling us that when writing about auto insurance, the word “cheap” should not be used anywhere in the article. Nonetheless, cheap auto insurance for 17 year olds does not exist. But fear not, because there may be ways you can find and buy coverage that you can afford.

The make and model of vehicle you are trying to insure is probably the largest consideration when comparison shopping for the best cheap car insurance for 17 year olds in Florida. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models. The tables below illustrates car insurance costs for some of the most budget-friendly automobiles to insure.

Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can modify insurance rates considerably.

Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in zip code location which can influence premium rates substantially.

Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Florida garaging location which can decrease or increase insurance rates significantly.

Establishing which company quotes the cheapest car insurance rates for 17 year olds involves a tad more effort in order to find a policy that fits your budget. Every insurance provider uses a different method to set premium rates, so we’ll take a look at the lowest cost car insurance companies in Florida.

We do need to point out that Florida car insurance rates are impacted by many factors which can substantially decrease or increase the cost of a policy. Simply getting older, becoming a homeowner, or getting caught speeding can produce rate changes that can now make some companies cheaper than others.

Best Car Insurance Prices for Teens

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USAA may offer some of the cheapest car insurance rates in Florida at around $977 per year. Amica, Electric, Progressive, and Travelers also rank well as some of the best Florida auto insurance companies.

As shown above, if you currently have coverage with Progressive and switched to USAA, you might see a yearly price reduction of about $870. Insureds with Travelers might save as much as $911 a year, and Allied customers might realize rate reductions of up to $968 a year.

Remember that these prices are averages for all types of insureds and vehicles and do not factor in a rate increase for 17 year olds. So the insurer that is most affordable for your situation may not even be included in the list of companies above. That points out the importance of why you need to get rate quotes using your own personal information and vehicle type.

Impact of violations and accidents on rates

One of the best ways to maintain low car insurance premiums for teen drivers is to drive cautiously and avoid accidents and violations. The information below illustrates how speeding tickets and accident claims influence insurance costs for each age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2595,2897,3745],[‘Age 30’, 1785,2091,2935],[‘Age 40’, 1779,2085,2931],[‘Age 50’, 1569,1877,2717],[‘Age 60’, 1489,1793,2639],[‘Age 70’, 1621,1929,2773]]);var options = {title: ‘Effect of Tickets and Accidents on Florida Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of a car insurance policy in Florida per year with no violations or accidents is $1,806. Add in one speeding ticket and the average cost surges to $2,112, an increase of $306 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for 17 year olds goes up to an average of $2,957. That’s an increase of $1,150, or $96 per month, just for not driving safely!

How to get discounts on Florida auto insurance

Auto insurance companies that provide the best cheap car insurance for 17 year olds in Florida may also offer rate discounts that may potentially lower prices by as much as 30% if you qualify. Large car insurance companies and a summarized list of policyholder discounts can be found below.

The diagram below illustrates the comparison of insurance costs with and without policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, anti-theft, passive restraint, good student, and continuous coverage discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for 17 year olds is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 5037,3605],[‘Age 30’, 2115,1537],[‘Age 40’, 1965,1425],[‘Age 50’, 1719,1249],[‘Age 60’, 1663,1205]]);var options = {title: ‘Insurance Rate Comparison for 17 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best rates: State Farm, Progressive, Allstate, or Geico

If you want reliable auto insurance for teen drivers in Florida, the first places to look would be State Farm, Progressive, Allstate, and Geico. When added together, they insure almost half of all auto insurance policies in force. The next table compares and contrasts ratings and policy coverage options you can expect with each one.