In the USA, teenagers between 16 to 18 years old get a full driver’s license. They can get into accidents since they just start driving particularly females. Therefore, parents need car insurance to protect them. This article will guide the parents to know more about the average car insurance for 17-year-old female.
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Can a 17 Year Old Female Have Their Insurance?
A 16-year-old female can get their full driver’s license in a particular state in the USA. Driver authorization is one of the popular goals for teenagers. Based on regulations, several states have different minimum ages. Mostly a teenager between 15-18 start to drive and get their driver’s licenses.
Since many young people start driving, there will be more chances for them to get into accidents while driving on the street. According to Shapiro, Washburn & Sharp, female drivers are mainly shorter than males, so they have more difficulty predicting approaching vehicles. Parents need to take a main aspect to protect them.
Based on CDC, car accidents killed about 2,400 teenagers in the U.S. in 2019, and another 258,000 received emergency treatments. Car insurance could help parents to protect their female children from car accidents. Claim coverage is a severe problem for people in their lives. We cannot predict something happens in the future.
The insurance agency prohibits young teenagers to have the claim. Instead, they need their parents’ sign to take care of it. A 17 year old female is not legally signed an auto insurance. In addition, parents must know the average car insurance for 17-year-old females first before determining their best companies.
Factors Female Minor Could Buy Insurance
Can 17 year old female drivers buy their insurance? The answer is yes. Young female drivers could buy insurance depending on several factors, such as emancipated. Her parents are legally eliminating her from guardianship for varying reasons.
Minor can set up their insurance if they are married, registered as military members, and determines the worth of a court order. The exception is for young drivers only when they are emancipated by their parents. Besides, they are still included in average car insurance for 17-year-old female.
Average Car Insurance for 17 Year Old Female in 2023
The average car insurance for 17-year-old female is quite expensive in 2023. The main reason is that young people have a lesser driving experience rather than adults.
So, they have more possibility to face accidents while driving a car. Parents require to consider the average cost of their female child’s insurance before purchasing.
For 17 year old females, the price of the claim coverage is about $4,137 combined with the parents’ policy for the annual average. Meanwhile, the female drivers have their policy and the price is $9,852 per year. Based on Caranddriver, Progressive gives the lowest price to young people in certain states.
If the drivers owned the policy without being included with the parents, the insurance provider gives a policy price of $9,852 for females. If a guy has the coverage, the annual average cost is around $11,992. Parents acquire significant coverage at varying fees.
The insurance cost for the parents grows up to a hundred percent if they added their female child to the policy. Parents also must consider their credit scores before adding their child to the policy because the claim agency will increase the price if the credit history is inadequate.
Comparing Average Costs of Car Insurance for 17 Year Old
Adding children to the parent’s insurance policy will generate expensive costs. Some parents assume that they are irresponsible with the car crashes caused by their children. In contrast, children who have their policies create high costs. The average price is classified based on gender.
Some factors such as the high rate of accidents caused by either man or woman drivers on the street affect the average cost of female and male young drivers. Along with the services, some companies consider gender for the prices as a consequence. Thus, parents need to take care of their children more strictly.
The average car insurance for 17-year-old female is $705 for the monthly prices. For males, the monthly average car insurance is $768. We can see the varying expenses among males and females. The primary reason is that young people’s driving habits differ. The agency thinks male drivers cause more accidents.
In addition, parents also expect to deal with other factors and criteria as well as focusing on the yearly average costs of each insurance agency. Many claim businesses provide a variety of services, resulting in varying pricing.
Who Has More Accidents and Needs Insurance?
We can see that the average car insurance for 17-year-old female has lower costs for men. Now, let’s find out who the most drivers caused accidents.
Women are possibly driving safer than men. According to The National Highway Traffic Safety Administration, females cause 4.4 million accidents annually. The number is lower than men overall. Therefore, the insurance company differentiates the cost price within gender factors.
A 17-year-old male tends to drive the car faster than a woman. The times for males drive 60% more than females 40% times based on researchers at the University of Michigan from 1998 to 2007 in the US. Scottish Researchers stated that male about 94% of them lost their lives or had an injury because of road accidents.
Female drivers are called “fender-benders” or people with no injury from car crashes stated to the University of Michigan from a study. The average miles per year of males is about 16,550 while the female is 10,142 miles each year based on The Federal Highway Administration.
Generally, both males and females need insurance to protect them from car accidents.
What Do You Think about the Average Car Insurance for 17 Year Old Female?
From some paragraphs above, we know that getting an insurance car for 17 year old female drivers depends on some factors and criteria, especially the prices. Including children in the parents’ policy make it easier for them since they cost lower than children with their policy.Fortunately, the average car insurance for 17 year old female is cheaper than the cost for a male. The most crucial thing is parents must get their children car insurance for both males and females as they start driving. Parents need to protect their children from unpredict accidents. So, they will have no many concerns.