Cheap Car Insurance for 19-Year-Olds

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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 $3,386 per year for auto insurance. While this more than average, you should expect a significant drop in your car insurance premium after you turn 19. The difference in monthly auto insurance payments for an 18-year-old versus a 19-year-old is over $130. Still, it's important at this age to get the best possible rate. Let's explore the cheapest car insurance policies for your as well as other important things to keep in mind.


  1. By Company
  2. By Age
  3. By Gender
  4. By Location
  5. By Vehicle
  6. What are some ways to save?
  7. Car Insurance for 19-year-olds: Summed Up




Car insurance for 19-year-olds


In our analysis of five major insurance companies to determine the cheapest car insurance for young teens across the U.S, we learned that Geico provided the lowest rate with all other metrics constant.Progressive comes in second. The important thing to keep in mind with our data is that is reflective of one user profile. Meaning, you should consider our car insurance rates as estimates. Use these quotes directionally in your search for car insurance at 19.


AVERAGE COST OF CAR INSURANCE FOR 19-YEAR-OLDS
Car Insurance ProviderAverage 6-Month Premium
State Farm$2,999
Allstate$2,295
Geico$987
Progressive$1,231
Liberty Mutual$1,676




Your age and your premium


On average, teen drivers pay $298 more per month than average. This has to do with the risk they present as young drivers. As we'll explore, young drivers have less experience behind the wheel and thus take more risks while driving. This is reflected below in our average annual car insurance premiums for teens on a family plan. Methodology outlined here.

AgeAnnual Insurance Premium with Family
16$2,617
17$2,485
18$2,315
19$2,037
20$1,906
21$1,720
22$1,643
23$1,571
24$1,528
25$1,452




Car insurance for a 19-year-old male


Gender is only really a rating factor when you're a young driver. 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 is $235 less per year.


AVERAGE COST OF CAR INSURANCE FOR 19-YEAR-OLD MALE AND FEMALE
AgeMaleFemaleDifference
16$2,794$2,440$354
17$2,645$2,325$320
18$2,449$2,180$269
19$2,154$1,191$235
Average$2,511$2,216$295




State and your premium


Where you live also plays a big role in how much you and your young driver will pay for an insurance premium. As insurance is state regulated, variations in laws guarantee there will be discrepancies in premiums. Most states require a mandatory minimum liability coverage for other drivers and their property, but the monetary amount of this coverage varies. If you live in a state with high insurance regulations, such as Michigan, you can expect to pay quite a bit to insure your 19-year-old. On the other hand, states with a low population density, such as Michigan's neighbor Ohio, tend to have lower premiums than states with more people. Keeping with the idea of risk management, the more drivers your state has, the more likely you are to be in an accident and insurance companies will have to cover that additional risk.


AVERAGE ANNUAL PREMIUM BY STATE FOR 19-YEAR-OLDS
StatePremium
Louisiana$9,989
Michigan$7,870
Texas$7,436
Delaware$6,287
Kentucky$5,618




Make/Model and premium


When you think of car insurance, you should think of it as a pairing between drivers and cars. If you have a statistically risky driver (aka, a teenager) paired with a high-performance vehicle, an insurance company is going to see that combination as risky assets and charge accordingly for them. By rule, any vehicle with a high MSRP will have a high premium because of the expense your insurance company will be charged to replace it. So, if you’re looking for a cheaper rate for your teen driver, you should stick to a simple sedan or van.





How can I save?


Now that we’ve talked about why it is so expensive to insure 19-year-olds, let’s talk about ways to save.


Shop around

This will be the best way to save on car insurance - at any age. Your rate can change every 6-months for a number of reasons so it's important to shop around with as many companies as possible. As you can see with car insurance quotes above, your rate can vary significantly between companies. Enter your zip code below to find the cheapest company for you.




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Good student discount

If you have above a 3.0 GPA (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. But paired with the Defensive Driver Discount mentioned below, the savings are worth keeping your teen's grades up.


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

Defensive driver discount

As previously mentioned, the Defensive Driver Discount encourages young drivers to take a professional driving course. The logic behind this is that drivers who have completed this course are less likely to receive a citation or get into an accident. Not every insurance company offers this discount, so ask your insurance company beforehand!


Student away from home discount

Commonly applied to college students, if your teen student is going to be more than 100 miles away from the listed residence you can receive what is called a Student Away From Home Discount. Because your teen lives so far away, insurance companies view them as less likely to drive your insured vehicle, thus the probability of a claim payout declines. The amount varies per insurance company, so consult them for details.



Keep a clean driving record

Insurance has a nasty habit of being a double-edged sword; it's great to have but will hurt ya if you use it. In order to keep your teen's premiums low, avoid practices that can lead to citations or at-fault accidents which will drastically raise your already-high premium. In a state-by-state breakdown, DUIs and racing (on average the most expensive citations) raise insurance premiums at least 40%. Moreover, most insurance companies offer a good driver discount which is dependent on a clean driving record.



Consider telematics

Telematics, also known as usage-based insurance, uses in-car devices that motor the way in which you drive to determine your premium. Currently, insurance companies use rating factors that are and aren't directly related to your driving record such as your credit score and, as it relates to this subject, your age. So, if you're one of the safe teenage drivers, you might consider this in-car system as a better indicator of your premium. Here are some companies that participate. Bear in mind, however, that not every state participates in this program - regardless if your company is listed.


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%

For more information, see our guide to telematics here.





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 hundreds of different local and national companies. Still looking for information? See our related content below.




Compare over 200 insurance companies at once!

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