If a 17-year-old with a driver's license but no car insurance needs to drive to school and their parent is disabled and unable to provide insurance, there are a few options available. One option is for the 17-year-old to apply for coverage from an alternative provider that specializes in nonstandard or high-risk insurance. Another option is for the 17-year-old or their parents to look into various discounts or programs that may be available to help reduce the cost of insurance. It is also worth noting that in some states, a 17-year-old may be able to get their own car insurance policy, but an adult is usually required to cosign or the teen must be an emancipated minor. It is important to carefully research and compare different insurance options to find the best coverage and price for the 17-year-old's needs.