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

It’s no shock that insurance for a young driver will cost more than it will for an experienced driver with years of practice. On average, 19-year-olds pay $431 per month or $5,177 annually for car insurance.

Determining the price of coverage in advance will enable a young driver to budget accordingly. It will also help anyone looking for coverage for a young driver to be able to compare quotes and get the best possible rates available.

If you’re wondering whether or not a 19-year-old can get insurance, to begin with, they absolutely can. However, most people know that car insurance for a young driver will be much higher than that of a more experienced driver. It can sometimes be difficult to find cheap car insurance for new drivers under 21.

Whether you’re providing insurance for your teenage child or are buying your first car insurance policy as a young adult, our guide will help you learn how your overall rates are calculated, and what you can do to save money on your rates.

What’s the cost of car insurance for a 19-year-old?

As mentioned above, car insurance rates for a 19-year-old will come with a decent price tag. However, many factors besides your age will impact your car insurance rates. For example, your ZIP code, driving record, credit score, and even your gender can also impact what you’ll pay for car insurance. However, quite a few states will no longer use gender when it comes to pricing your auto policy. This means that the cheapest car insurance for 19-year-olds will be calculated using the other factors instead.

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How much is the average cost of car insurance for a 19-year-old female vs. a 19-year-old male?

Currently, gender is still a factor that insurance companies will use when determining price. The average cost of car insurance for a 19-year-old female is less than the average cost of car insurance for a 19-year-old male driver.

Let’s take a look at some numbers in the table below.

Average Car Insurance Rates for 19-Year-Old Drivers

Overall, 19-year-old male drivers pay around $12 more per month or $141 more annually for car insurance than female drivers of the same age. Even with an age jump as small as just two years, average car insurance for 19-year-old will decrease by nearly a third if you maintain a safe driving record.

Furthermore, while females experience an average percentage decrease of 33% when comparing their rates at ages 17 and 19, males experience only an 18% decrease.

While that percentage decrease may not be as glamorous on the surface, it goes to show that continued safe driving time behind the wheel can lead to further decreasing rates.

Why? It all boils down to statistics. According to the Centers for Disease Control and Prevention, male drivers are statistically more likely to get in an accident than female drivers.

Insurers take note of this and raise the average cost of car insurance for a 19-year-old female accordingly. Women are also seen as less likely to file a claim, so they’re charged a lighter rate than males.

However, seven states have banned using gender as a means for calculating car insurance rates.

Why does age affect what a driver will pay for car insurance?

As we mentioned before, teenagers pay the highest amount in car insurance rates out of all driver demographics. This is because insurers operate by perceived risk. The more likely you are to get into an accident or file claims, the higher your car insurance rates will be.

Teen drivers have less experience than older drivers. Therefore, insurers have no way of knowing a good teen driver from a bad teen driver. Companies must exercise caution and expect a higher probability of receiving claims from teen drivers.

This is why male drivers often pay more for car insurance than female drivers. This is also why Geico insurance for 19-year-olds will always be higher than car insurance for 26-year-olds.

Therefore, you will want to do some research to see who has the best car insurance rates for teenagers in your area.

What car make and model you drive plays a huge part in your overall rates as well. This is because certain vehicles are more likely to be involved in accidents, like sports cars.

Expect car insurance rates for a 19-year-old with a sports car to be much more expensive than if you drove a Honda Civic, for instance.

How much is car insurance for 19-year-olds in each state?

Where you live will have an impact on car insurance rates. Each state has different laws and requirements for the amount of car insurance each driver must carry, and those requirements can influence the cost of insurance in your state.

Check out this table to see the average annual cost of car insurance in your state for 19-year-olds. How does your state stack up?

Average Annual Car Insurance Rates for 19-Year-Olds by State

Although you might not be able to change where you live, you can do other things to help lower your car insurance rates. Next, we’ll take a look at some factors that influence your rates and what you can do to help lower your car insurance costs.

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What factors affect car insurance rates for a 19-year-old?

Although car insurance for a young driver is statistically more expensive, not all 19-year-old drivers will pay the same rates. Many different factors influence the 19-year-old car insurance cost of coverage.

Your driving history and coverage level also need to be considered. Keep reading to learn more.

How does a driving record affect a 19-year-old’s car insurance rates?

Your driving record as a teen can drastically impact your 19-year-old insurance costs. While older drivers can sometimes get minor infractions dismissed from their records using an accident forgiveness program, insurers tend to be harder on teen drivers.

On average, a 19-year-old male will pay anywhere from $1,200 to $2,600 per year for car insurance.

With multiple tickets or accidents, that figure can go up to nearly $4,000 each year, and it may be more difficult to get coverage if you’ve had multiple collisions.

If you’re a 19-year-old with a bad driving record, you might need to purchase high-risk car insurance. Risk is based on both your actual driving history as well as additional national statistics based on your driver demographics.

When you’re young, these statistics make up a greater portion of your rates since there is less driving history to base your rates upon.

Does coverage level affect a 19-year-old’s car insurance rates?

Each state has unique car insurance requirements that residents must purchase in order to legally drive on the roads. In most states, a certain amount of liability insurance must be purchased.

19-year-old drivers have to meet the state minimum requirements for car insurance, but they don’t have to carry full coverage unless they want to.

However, some drivers invest in full coverage insurance, which includes your state minimum standards plus collision and comprehensive insurance.

Full coverage insurance will cost more than a liability-only policy, no matter what age you are. However, for teen drivers buying a policy independently, full coverage insurance can cost an astronomical amount.

How much is full coverage car insurance for a 19-year-old? On average, it can run a tab of up to $6,000 annually. Monthly, it’s a whopping $500. Remember, this means that car insurance quotes for a 19-year-old male could be even higher.

One way 19-year-olds can lower full coverage car insurance rates is by raising the deductible on their collision and comprehensive insurance. Just be careful not to increase it to an amount that makes the coverage not worth your while.

What are ways to get cheap car insurance for a 19-year-old?

To get the best possible rates as a young driver, it’s important to focus on ways to keep costs down. Can a 19-year-old get car insurance on their own? The answer is yes.

Technically, even a 17-year-old is able to get their own car insurance, they would just need a parent or guardian to sign the policy as well.

However, if a 19-year-old gets their own car insurance, it will not be as cheap as staying on a parent’s policy as a named driver.

If that is not an option for you, be sure to compare rates from different companies before signing your name on the dotted line.

For instance, Geico insurance for 19-year-olds costs about $199 a month, whereas Progressive car insurance for 19-year-olds costs a bit more, at an average of $318 per month.

Fortunately, you can still buy affordable car insurance for a 19-year-old driver.

Some factors, like gender and geographic location, aren’t easily changeable by the insured. However, other factors such as grades and annual mileage are within your control and can lead to various discounts.

The best way to lower your car insurance rates as a 19-year-old driver is by taking advantage of those discounts offered by different companies. Unsure of where to start? Just keep reading.

What car insurance discounts are available for a 19-year-old?

There are many routes you can take with insurers to chip away at the cost of your rates. From good grades to low mileage and safe driver discounts, there are a handful of ways to help lower your overall rates.

Let’s start by looking into how having a good grade point average can help you lower your rates.

Most insurance companies offer discounts to students with a 3.0 GPA or higher, and some companies offer these discounts to college alumni for several years after graduation.

Take a look at the following table which shows the companies that have good student discounts as well as comparable age-based discounts. These discounts are usually provided to people under the age of 25 who keep a B average.

Good Student Discounts by Company for 19-Year-Old Drivers

The good news? All insurers on our list offer a car insurance discount for good students. So no matter what insurer you choose, it will prove beneficial to inquire about this useful discount.

Car insurance for a 20-year-old college student might be less than what a 19-year-old pays, but it is still very likely to be expensive. You are most likely going to want to take advantage of this price reduction should you attend a university.

If you drive primarily for pleasure and don’t have a long commute to school or work, you may qualify for a low-mileage discount.

People who avoid driving during peak traffic hours and maintain low annual mileage can save substantially on insurance compared to people who commute long distances.

Many insurance providers give a discount for low mileage as well. If you’re 19, this may just apply to you. The table that follows shows the providers that give a low-mileage discount.

Low-Mileage Discounts by Insurance Company for 19-Year-Old Drivers

Most companies offer a discount for low mileage. In fact, the only exceptions are 21st Century, Ameriprise, and Safe Auto.

The good news is once you’re over 25 your rates will go down drastically. 26-year-old car insurance is significantly cheaper than what younger drivers end up paying.

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How does a 19-year-old’s safe driving keep car insurance rates low?

You care about being able to get from point A to point B, right? Even more important than that is getting from point A to point B safely. Fortunately, when it comes to rates for 19-year-olds, the two can go hand in hand.

Insurers lower rates when drivers prove that they can responsibly operate a motor vehicle. This doesn’t just mean avoiding accidents, although that certainly plays a huge role in keeping insurance costs down.

Safe driving habits also include avoiding tickets for speeding, running red lights, and other traffic infractions. Being ticket-free can keep your costs down.

Let’s look at a table that shows various safe driving-related discounts 19-year-olds can qualify for.

Safe Driver Discounts by Company for 19-Year-Old Drivers

As you can see, there are several discounts for safe driving. Similarly, enrolling in a non-mandatory driver’s education course can also lead to discounts from car insurance companies. Geico even offers a discount just for wearing your seat belt.

Simple things, such as keeping your car in storage or in a garage, can help lower your rates. This is because insurers are all about risk, and if your car sits readily available for break-ins in a high crime area, an insurer is going to see that as a greater probability for a filed claim.

Only 21st Century offers a non-smoker/non-drinker discount. While somewhat of a rarity, this is another discount provided to individuals who could be seen as responsible and statistically less likely to file a claim.

The Type of Vehicle You Drive Matters

What are the best cars for a 19-year-old?

Another surprising way 19-year-olds can save money on car insurance is by choosing a vehicle that is all around just cheaper to insure. This means instead of sports cars, luxury cars, or off-road vehicles, opt for a sturdy and reliable economy sedan.

What is the cheapest car for a 19-year-old to insure?

According to car insurance for a young driver, used cars with the highest safety ratings, anti-theft devices, and a low repair cost are a great place to start. Consider purchasing a 2014 Subaru Impreza or 2015 Mazda CX-5. If you’re a 19-year-old with a Mustang, it stands to reason that you’ll be paying far more in car insurance rates.

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

That depends on the type of sports car, its age, and its value. There are many additional safety features that can be added to your vehicle that could help lower your overall car insurance rates. Let’s look at a few examples and the companies that offer those discounts in the table below.

Car Insurance Discounts for Safety Features

Many newer vehicles on the lots these days come with at least several of these features already installed. Remember to ask whichever provider you end up choosing about all of these discounts. Little by little, they can add up to big savings.

Will adding a 19-year-old to a parent’s policy be cheaper than an individual policy?

Adding a 19-year-old driver to a parents’ policy can save money because it’s generally much cheaper to add a teen driver to a parent’s car insurance policy than for the teen to get their own policy.

Since car insurance is based on factors like driving records, a teen won’t have much for an insurance company to look at. Parents, on the other hand, will have a much longer insurance history which helps keep rates low.

Also, teens can take advantage of discounts their parents are eligible for, like multi-policy or loyalty discounts, to lower car insurance rates.

Adding a teen to your policy will generally increase your rates by around $900 a year. As expensive as that is, it’s still cheaper than if they got their own policy.

A parent wouldn’t want to add a teen to their auto insurance policy if the teen doesn’t live at home or if they have a bad driving record. Adding a child with a poor driving record will make your rates increase significantly.

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What’s the best way to comparison shop for car insurance as a 19-year-old?

Not every insurance company will offer the same rates, and some companies give better discounts to young people than others.

To get the best possible price on insurance as a teen, be sure to get quotes from several different companies, such as Allstate, State Farm, or Progressive. Affordable car insurance for 19-year-olds is certainly attainable.

By using the discounts we covered, young drivers can maximize their savings. Over time, as you gain more experience behind the wheel, your rates will continue to decrease.

In most cases, it takes about three years for your driving history to count toward safe driving discounts. If you buy your first policy at age 19, your rates should begin to decrease by age 21.

Many people, especially young male drivers, also experience substantial savings after they turn 25.

Case Studies: Car Insurance for 19-Year-Olds

Case Study 1: Emily’s Experience

Emily is a 19-year-old female driver who recently got her driver’s license. She lives in a suburban area with relatively low crime rates and has a clean driving record. When she started shopping for car insurance, she obtained quotes from multiple insurance companies.

After comparing the quotes, she chose an insurance provider that offered her the best coverage at an affordable price. Her car insurance cost her an average of $400 per month or $4,800 annually.

Case Study 2: Michael’s Experience

Michael is a 19-year-old male driver who lives in an urban area with high traffic and crime rates. He has had a few speeding tickets in the past but has maintained a clean driving record for the past year. When he started looking for car insurance, he found that his rates were higher compared to Emily’s due to his gender and driving history.

After obtaining quotes from different insurance providers, he selected one that offered him reasonable coverage at a higher price. His car insurance cost him an average of $500 per month or $6,000 annually.

Case Study 3: Sarah’s Experience

Sarah is a 19-year-old female driver who lives in a rural area with low traffic and crime rates. She has an excellent academic record and is eligible for a good student discount. When she began searching for car insurance, she specifically looked for companies that offered discounts for good students.

After comparing quotes, she found an insurance provider that not only offered her a good student discount but also provided competitive rates for her age and location. Her car insurance cost her an average of $350 per month or $4,200 annually.

In Summary

Hopefully by now the question, “How much would my car insurance be if I’m 19?” has been answered.

In addition to your unique risk factors, insurance costs will vary from one state to the next and will depend on the amount of coverage that you buy.

For example, average insurance prices in Michigan are twice as high as in Vermont. The same driver with the same policy will pay lower rates from one state to the next.

Since there are so many variables involved, it’s impossible to predict exactly how much your insurance policy will cost. It’s best to get a personalized quote from multiple insurance companies so that you can determine how much your policy will cost.

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