The average cost of car insurance with two adult drivers, one 17-year-old and one vehicle is $3,580 per year for full coverage.
Average car insurance cost for 17-year-olds by state.
| State |
Average annual full coverage premium |
Average monthly full coverage premium |
| New Jersey |
$3,629 |
$302 |
Can a 17 year old get their own car insurance in NJ?
Yes, 17-year-old can almost always get car insurance, but since they are minors, a parent or guardian typically will be required to sign on the policy with the teen, which means that in the end, the parents are financially responsible for the policy.
Can I add my 17 year old to my car insurance?
In short, no. If the young driver is the main driver of the car it would be fraudulent to take insurance out saying you are the main driver. This is called “fronting” and you could risk invalidating the insurance and being refused insurance in future. It’s just not worth it.
Do I need to add my child to my car insurance with a permit NJ?
Once your teen obtains a learners’ permit, they should be added to your car insurance policy. Since their driving will be limited and would only take place with a licensed driver in the car, they will not be rated until they turn 18 years old or receive a valid driver’s license (whichever occurs first).
How much is car insurance in NJ for a 17 year old? – Related Questions
How old do you have to be to get car insurance in NJ?
In most situations, you must be at least 18 to purchase a policy as it’s the age that most states consider the “age of majority,” which means you can legally enter into contracts at this age.
Do you insure the car or the driver in NJ?
New Jersey is a no-fault state for car insurance
Put simply, a no-fault insurance system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill.
What is the minimum car insurance required in NJ?
In New Jersey, minimum liability limits are expressed as 15/30/5. This means that all drivers need at least $15,000 liability coverage per person and $30,000 per accident with at least $5,000 property damage coverage.
Does insurance follow the car or the driver in New Jersey?
New Jersey’s laws require drivers to carry personal injury protection insurance that will help go towards medical bills when someone is injured in an accident. This insurance can be used regardless of who is at fault, but this type of protection does follow the driver and not the car.
Can someone drive my car if they are not on my insurance New Jersey?
Anyone who has received your permission to drive your car can also be covered by permissive use. Most people wrongly believe that the driver’s insurance will cover any damage done to their vehicle. However, as the car owner, your insurance policy covers your vehicle and any approved driver.
How can I lower my car insurance in NJ?
Here are some ways to save on car insurance1
- Increase your deductible.
- Check for discounts you qualify for.
- Compare auto insurance quotes.
- Maintain a good driving record.
- Participate in a safe driving program.
- Take a defensive driving course.
- Explore payment options.
- Improve your credit score.
Can a friend borrow my car and be insured?
Whether you’re allowing a friend to borrow your car or the borrower of a friend’s car, the general rule of thumb is that a car insurance policy is associated with the car, not the driver. Therefore, if a friend borrows your car, they’re likely covered by your insurance policy.
Can I drive my parents car without my name on the insurance?
Most insurers cover someone else driving the policyholder’s car with their permission once in a while. But, if you’re going to start driving one of your parent’s cars regularly, you’ll need to be added or named on their auto insurance. You can’t legally drive your parents’ car without any insurance at all, either.
Can you be on your parents car insurance if you don’t live with them?
Most insurers will also allow children to stay on their parents’ insurance policy when they move out of the family home for school. For example, say you’re a student who occasionally returns home and drives a family vehicle.
Can you insure a car you don’t own?
Wondering if you can insure a car you don’t own? The answer is yes, you can take out a separate car insurance policy on someone else’s car – but make sure that you tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.
Can I insure my daughters car in my name?
Yes, but only if you’re the primary driver of the car. Find out your options. Updated Jan 11, 2022 .
Can I be main driver on 2 policies?
You can be the main driver of more than one car. But insurance companies will often question it to check for fronting.
How do I insure a car not in my name?
Here are some of the other ways you can insure a car that’s not in your name:
- Ask to be added to the vehicle registration.
- Have the car registration transferred to your name.
- Opt for car rental insurance coverage.
- Be added as a driver to the existing car insurance policy.
- Add the vehicle owner to your insurance policy.
How much is non owner car insurance?
How Much Is Non-owner Car Insurance? Non-owner car insurance is typically cheaper than a standard liability policy. According to our market research, costs range from $200 to $600 per year. Typically, a non-owner car insurance policy does not include a deductible.