The terrible teens are coming to an end — let the savings begin.
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.
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.
|Car Insurance Provider||Average 6-Month Premium||Monthly Premium|
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.
|Age||6-Month Insurance Premium with Family||Monthly Premium|
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.
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.
|Insurance Company||6-Month Premium||Monthly Premium|
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.
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.
|Insurance Company||6-Month Premium||Monthly Premium|
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.
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.
Let’s talk about ways to save on car insurance at the age of 19.
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.
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.
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.
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.
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 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.
|Progressive's SnapShot||Average of $130|
|Allstate's Drivewise||Average of 10-25%|
|State Farm's Drive Safe and Save||Up to 15%|
|Nationwide's SmartRide||Up to 40%|
|Liberty Mutual's RightTrack||Average of 5-30%|
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.
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