Cheap Car Insurance for 19-Year-Olds

The terrible teens are coming to an end — let the savings begin.

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How much is car insurance for a 19-year-old?

The average 19-year-old in the US pays an average of $3,319 per year for auto insurance, according to our State of Insurance analysis. While this exceeds the national average by more than double, 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.

 

How to find cheap car insurance at 19-years-old — table of contents:

 


 

Car insurance for 19-year-olds

The Zebra's analysis of eight major insurance companies determined USAA provides the lowest rates for 19-year-old drivers, with all other metrics constant. GEICO placed second. The important thing to keep in mind with our data is that is reflective of a single driver profile. Consider our car insurance rates as estimates, and use these car insurance quotes to guide your search for car insurance at age 19.

 

AVERAGE COST OF CAR INSURANCE FOR 19-YEAR-OLDS
Car Insurance ProviderAverage 6-Month PremiumMonthly Premium
Allstate$2,036$339
Farmers$1,979$329
GEICO$1,198$199
Liberty Mutual$1,959$326
Nationwide$1,768$294
Progressive$1,909$318
State Farm$1,403$233
USAA$1,018$169

 


 

How do auto insurance rates for 19-year-olds compare to 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
Age6-Month Insurance Premium with FamilyMonthly Premium
16$1,308$218
17$1,242$207
18$1,157$193
19$1,018$170
20$953$159
21$860$143
22$821$137
23$785$131
24$764$127
25$726$121

 


 

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 over $200 less per six-month policy.

AVERAGE 6-MONTH PREMIUMS FOR 19-YEAR-OLD MALES AND FEMALES
AgeMaleFemaleDifference
16$3,523$3,110$414
17$2,897$2,533$364
18$2,526$2,185$341
19$1,785$1,535$250
Average$2,683$2,341$342

 

 

What's the cheapest car insurance company for 19-year-old males?

To find the most affordable insurer for a male driver at age 19, we surveyed some of the top companies across the US using the same driver profile we used above. See below for the results.

AVERAGE 6-MONTH PREMIUMS FOR 19-YEAR-OLD MALE DRIVERS
Insurance Company6-Month PremiumMonthly Premium
Allstate$2,199$366
Farmers$2,183$363
GEICO$1,262$210
Liberty Mutual$2,048$341
Nationwide$1,980$330
Progressive$2,046$341
State Farm$1,553$258
USAA$1,079$179

We found that GEICO was the cheapest if you don't qualify for coverage through USAA. Use this data as a starting point, as our driver profile likely doesn't fit yours exactly.

 

 

What's the cheapest car insurance company for 19-year-old females?

For 19-year-old female drivers, we found that USAA and GEICO were again the most affordable companies, with an average monthly payment of about $174 — a savings of $80 per month compared to the group average.

AVERAGE 6-MONTH PREMIUMS FOR 19-YEAR-OLD FEMALE DRIVERS
Insurance Company6-Month PremiumMonthly Premium
Allstate$1,873$312
Farmers$1,775$295
GEICO$1,133$188
Liberty Mutual$1,870$311
Nationwide$1,556$259
Progressive$1,772$295
State Farm$1,254$209
USAA$957$159

 

 


 

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.

 

AVERAGE 6-MONTH INSURANCE PREMIUM BY STATE: 19-YEAR-OLDS
StatePremium
Michigan$3,199
Louisiana$2,804
Rhode Island$2,590
Kentucky$2,584
California$2,509

 


 

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.

Learn more about car insurance by vehicle type.

 


 

Tips: car insurance savings for 19-year-olds

Let’s talk about ways to save on car insurance at the age of 19.

 

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.

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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.

AVERAGE SAVINGS: GOOD STUDENT AND GOOD DRIVER INSURANCE DISCOUNTS
AgeMaleFemale
16$439$248
17$348$222
18$338$197
19$278$160

 

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 a clean driving record

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

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 this in-car system as a way to show your true self to your insurance company. Here are some companies that offer usage-based insurance options.

CompanyEstimated Savings
Progressive's SnapShotAverage of $130
Allstate's DrivewiseAverage of 10-25%
State Farm's Drive Safe and SaveUp to 15%
Esurance's DriveSenseVaries
Nationwide's SmartRideUp to 40%
Liberty Mutual's RightTrackAverage of 5-30%
GEICO DriveEasyVaries

For more information, see our telematics insurance guide.

 

 


 

Additional resources

If you're looking for a quote for you or your 19-year-old, enter your ZIP code below to see rates from a variety of leading auto insurance companies.

Looking for more information? See our related content:

 

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Recent Questions:

Cheap Car Insurance for 19-Year-Olds

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.

What is the cheapest car to have my teenage son drive?

With most companies, all drivers on the policy are covered to drive all cars on the policy. This means vehicles are not typically assigned to a driver.

Do I need to tell my insurance company if I added modifications to it?

It's always a good rule of thumb to keep your insurance company in the loop to any changes in your vehicle. For instance, if you want the custom parts covered, you will need to contact the insurance company to add the additional coverages for custom parts and equipment.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.