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Car insurance for 19-year-old drivers
The average 19-year-old in the US pays an average of $3,319 per year for auto insurance, according to The Zebra's State of Insurance analysis. This is more than twice as much as the national average auto insurance rate. Despite the expensive coverage, drivers do receive a significant decrease in car insurance rates after turning 19. The difference in monthly auto insurance payments for an 18-year-old versus a 19-year-old is more than $110.
Let's explore the cheapest car insurance policies for 19-year-old drivers and a few other important considerations to keep in mind.
Average car insurance rates for 19-year-olds
The Zebra's analysis of eight major insurance companies found that USAA provided the lowest rates for 19-year-old drivers, with all other metrics constant. State Farm placed second. The important thing to keep in mind with our data is that is reflective of a single driver profile.
AVERAGE CAR INSURANCE RATES — 19-YEAR-OLDS
How do auto insurance rates for 19-year-olds compare to those of other ages?
On average, teen drivers pay $289 more per month than the average rate for all ages. This has to do with the elevated risk presented by young drivers. New drivers have less experience behind the wheel and may take greater risks while driving. This is reflected below in our average car insurance premiums for teens on a family plan.
CAR INSURANCE PREMIUMS BY AGE
Car insurance rates by gender for 19-year-olds
Gender is only a substantive rating factor for young drivers. Car insurance companies see young male drivers as statistically more likely to take risks while driving than young female drivers. As such, the average cost of car insurance for a 19-year-old female driver is approximately $200 less expensive per six-month policy.
AVERAGE AUTO INSURANCE RATES FOR 19-YEAR-OLD MALE DRIVERS
What's the cheapest car insurance company for 19-year-old females?
For 19-year-old female drivers, we found that USAA and State Farm were the most affordable companies, with average monthly costs of less than $265.
AVERAGE CAR INSURANCE RATES FOR 19-YEAR-OLD FEMALE DRIVERS
How does location impact auto insurance rates for 19-year-old drivers?
Location plays a major part in how much a young driver pays for insurance. The state-regulated nature of auto insurance creates discrepancies in premiums from state-to-state. Most states require mandatory minimum liability coverage to cover damages suffered by other drivers and their property, but the monetary amount of this coverage varies. If you live in a state with high insurance minimums, such as Michigan, expect to pay quite a bit for car insurance as a 19-year-old. States with a lower population density and less-stringent laws, such as Michigan's neighbor Ohio, have more affordable premiums.
|State||Avg. 6 Mo. Premium||Avg. Monthly Premium|
Insurance rates by vehicle make and model for 19-year-olds
Car insurance pricing takes into account drivers and cars. When you pair a statistically risky driver, i.e., a teenager, with a high-performance vehicle, an insurance company sees that combination as risky and charges accordingly. Generally, vehicles with high MSRPs have costly insurance premiums: the insurance company assumes more financial risk in agreeing to replace it. If you’re looking for a cheaper rate as a teen driver, stick with a lower-budget model.
Find an affordable auto insurance policy today.
Tips: car insurance savings for 19-year-olds
Compare auto insurance rates
Your rate can change every six months for any number of reasons, so it's important to compare insurance quotes from as many companies as possible. Your rate can vary significantly depending on the company you choose. Enter your ZIP code below to find an affordable option for you.
Good student discount
If you have a 3.0 GPA or better (a B average), you might be eligible for a good student discount. Your insurance company will require proof of this, usually in the form of a report card or transcript. Pairing a good student discount with the defensive driver discount mentioned below can lead to some legitimate savings.
Defensive driver discount
The defensive driver discount encourages young drivers to pass a professional driving course. The logic behind this is that drivers who have completed this course could be less likely to receive a citation or get into an accident. Not every insurance company offers this discount, so inquire with your company or agent.
Student away from home discount
Commonly available to college students, the student away from home discount rewards teenage drivers who will study more than 100 miles from the address listed on their parents' policy. Insurance companies will adjust for the teen's less frequent driving by discounting rates on the auto insurance policy.
Keep your record spotless
Insurance is a double-edged sword: it's great to have, but using it can have expensive consequences. Keep your auto insurance costs down by avoiding citations or at-fault accidents, which will drastically raise your already-high rates. Citations for violations such as DUI or racing — two of the most expensive citations — raise insurance premiums at least 40%. Many insurance companies offer a good driver discount, which depends on maintaining a clean driving record.
Telematics, also known as usage-based insurance, uses in-car devices that monitor your driving habits to help determine your premium. Insurance companies use rating factors that are and aren't directly related to your driving record, such as credit score and age. So, if you're a safe teenage driver, consider telematics insurance as a way to show your true self to your insurance company.
- Cheap Car Insurance for 16-Year-Olds
- Cheap Car Insurance for 18-Year-Olds
- Cheap Car Insurance for 21-Year-Olds
- Cheap Car Insurance for 24-Year-Olds
- Cheap Car Insurance for 25-Year-Olds
- Cheap Car Insurance for 30-Year-Olds
- Cheap Car Insurance for 40-Year-Olds
- Cheap Car Insurance for 60-Year-Olds
- Cheap Car Insurance for Teen Drivers
- Cheap Car Insurance for Young Adult Drivers
Find an auto insurance policy today.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.