Can 17 Year Old Teen Driver Get Their Own Auto Insurance In Michigan?

Reader’s Question:

Can a 17 year old teenager in the state of Michigan maintain auto insurance under their own names?

Jerome

Detroit, MI

The Department of State for Michigan state that there is no age restriction for titling a car in Michigan and no minimum age for getting auto insurance.

A Michigan insurance law called the Essential Insurance Act guarantees that home and car insurance will be available to all eligible citizens in Michigan. The law states that you are eligible for car insurance if you have a vehicle registered in Michigan or have a valid (not suspended or revoked) Michigan driver’s license.

If you are 17 year old teenager, and therefore still a minor, you will also need a parent or guardian to sign on any other legal papers such as an insurance policy since insurance providers normally will not permit you to sign by yourself until you are 18 and considered an adult. So the insurance policy may be under your own name at seventeen but with the consent of an adult since they may be held liable for your actions as a teenager if you fail to fulfill your obligations.