Both our boys got their cars when they were 17. Both are good students, did driver's ed, did steer clear thru state farm. Both cars are put in our names for insurance purposes, with them as the designated drivers. Both got $1,000,000 in coverage. Both are accident free, as are us parents One son got a 2014 Mazda 6. His insurance was $2400 per year. Has now dropped to $1600 per year, as he is almost 21. Younger son got a 2016 Toyota Rav 4, and his insurance is $1800 per year.