With costs varying based on location, the average cost of car insurance for a 19-year-old is around $3,500 a year, or a little over $200 a month. 

Even though 19-year-old drivers pay less than 18-year-olds, the total cost of car insurance for the age cohort can be pricey. While it may not seem like a lot at first, once you take into account that many 19-year-olds are in college, paying for rent, or are working a minimum-wage job, that $200 can add up quickly. 

The good news is that many options are available for teenage drivers to help cut down on costs. Often, the most cost-effective way for 19-year-olds to save money on auto insurance is to stay on their parents’ insurance plan. Depending on which insurance company your family works with, you might receive a multi-car discount and benefit from your parents’ higher credit scores. 

Using a company like Insurify to compare rates from more than 20 insurers can help you quickly find the perfect car insurance policy.

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How does age affect car insurance rates for a 19-year-old?

Like many things in life, age will affect what car insurance rates are available to you. As a teen driver, you will often be assigned a higher insurance rate because insurance companies deem you riskier. The good news is that since you have more experience behind the wheel than a 16-year-old does, your rates will be significantly lower. This is especially true if you have a clean driving record.

For example, a 16-year-old driver could be paying 44 percent more than a seasoned 19-year-old driver. One of the main reasons for this is that insurance companies assume drivers are less of a risk to insure as they gain more experience behind the wheel.

Another reason for the higher insurance rates for teen drivers is that they are statistically four times more likely to get into an accident than someone 20 or older. Below are a few other reasons young drivers face increased car insurance rates:

  • Less experience behind the wheel
  • More likely to use mobile devices while driving
  • Participate in distracted driving more frequently
  • More likely to break the speed limit

How does gender affect car insurance rates?

Similar to age, gender has an impact on car insurance rates as well. Even though the impact isn’t as significant as other rating factors, the difference between male and female drivers is still noticeable. Typically, young men will have higher auto insurance rates than their female counterparts.

Since there isn’t much of a driving record to reference, most auto insurance companies rely on statistics to determine risk and set rates and deductibles for coverage. That is why a newly licensed 19-year-old male will often receive a more expensive insurance quote. They are being compared to their peers, who historically file an abundance of insurance claims.

Another reason why male drivers pay close to $200 more for a six-month insurance policy than female drivers is that they are statistically more likely to be involved in a crash. On average, teens are three times more likely to have a fatal accident than drivers over 20. Of those teens who have fatal accidents, two-thirds will be a teenage male.

How does location affect car insurance rates?

One element that often affects the car insurance rates for younger drivers the most is location. Since auto insurance is state-regulated, there are discrepancies in the cost of monthly premiums from state to state. Many states require the same type of minimum liability coverage, but the cost of the auto insurance policy can vary depending on where you live.

Many 19-year-old drivers who live in states like Michigan or California, where high insurance minimums are common, can expect to pay more for car insurance. And teenage drivers who live in states with a lower population and less-stringent insurance laws have access to more affordable premiums.

Most Expensive States for Car Insurance for 19-Year-Olds

On average, the following five states are the most expensive states for 19-year-olds to obtain auto insurance:

Least Expensive States for Car Insurance for 19-Year-Olds

Teenage drivers who live in the following states will enjoy the low car insurance rates that come with their location:

Best Car Insurance Companies for 19-Year-Olds

To help make car insurance a little cheaper for 19-year-old drivers, several insurance companies offer discounts and programs that lower rates. While it is always recommended to shop and compare auto insurance quotes, the following five insurers should definitely be on your list to check out.

Erie

Erie is by far one of the cheapest options available to 19-year-old drivers who are looking for affordable auto insurance. Averaging more than $200 lower than the other providers on this list, Erie gives young drivers comprehensive coverage at an economical rate. Discounts currently available to teenagers include the youthful driver discount and college credit option.

Some of the discounts and benefits that Erie offers for 19-year-old drivers include:

  • Multi-vehicle Discount
  • First Accident Forgiveness
  • Diminishing Deductible Options
  • Youthful Driver Discount
  • Vet Coverage up to $500 (if your pet is injured in a car accident)

USAA

USAA is one of the best auto insurance options on the market but only provides coverage to current members of the military, veterans, and their families. If you fall into one of these categories, you should definitely consider USAA. The company is constantly ranked as one of the best providers for auto coverage by institutions such as A.M. Best and J.D. Power & Associates.  

A few of the discounts that USAA offers to 19-year-old drivers include:

  • Good Student Discount
  • Multi-vehicle Discount
  • Safe Driving Discount
  • Driver Training Discount

Travelers

Many people are often quick to pass by Travelers insurance because it is a little more expensive than some other insurers on the list. However, it has an abundance of discounts available and several apply specifically to young drivers. By taking advantage of the ability to stack multiple discounts, your premium could come in well below even the cheapest options like Erie insurance. 

The list of discounts for Travelers insurance includes the following:

  • Multi-policy Discount
  • Multi-vehicle Discount
  • Safe Driver Discount
  • Continuous Insurance Discount
  • Hybrid/Electric Vehicle Discount
  • New Car Discount
  • Good Payer Discount
  • Early Quote Discount

GEICO

GEICO isn’t always the lowest auto insurance quote but makes up for it in several areas. Like Travelers insurance, it also offers numerous discounts that a 19-year-old driver could take advantage of. In addition to savings on your monthly premium, GEICO also offers an innovative mobile app for its policyholders, making it possible to make a payment, request roadside assistance, file a claim, and view your ID cards all in one place. 

Some of the discounts that GEICO offers to 19-year-old drivers include:

  • Good Student Discount
  • Good Driver Discount
  • Airbag Discount
  • Seat Belt Use Discount
  • Defensive Driving Discount
  • Membership Discount

Auto-Owners

While car insurance through Auto-Owners is not as easy to obtain as some of the other options, it does have added features that you should consider as well. In order to get full coverage, you need to have a general membership with AAA, which can range from $40 to $165, depending on your type of membership. One of the program’s major benefits is that you will have access to a top-notch roadside assistance program.

A few of the benefits and discounts provided by Auto-Owners include:

  • Rental Reimbursement
  • Roadside Assistance
  • Safe Driver Discount
  • Good Student Discount
  • Multi-vehicle Discount
  • Multi-policy Discount
  • Away at School Discount

Cheapest Car Insurance Quotes for 19-Year-Olds

Getting a cheap car insurance quote as a 19-year-old is a matter of patience and knowing where to look. Below is a list of companies that you should consider, as they have a reputation for providing affordable quotes to teen drivers.

Car Insurance Company Avg. Quote for a 19-year-old Driver
Amigo USA $206/mo
AssuranceAmerica $232/mo
Bluefire $221/mo
Elephant $237/mo
Farmers $105/mo
First Chicago $236/mo
Freedom National $215/mo
Kemper Preferred $225/mo
Motion Auto $237/mo
USH&C $205/mo

If you still want to shop around a little more, Insurify can help you quickly compare quotes and companies in a matter of minutes. Just answer a few simple questions and let us do the rest of the work.

Best Auto Insurance Discounts for 19-Year-Olds

It may seem like insurance companies are out to get teenagers by making them pay more for coverage than other age groups. The truth is, they want to help you out as much as they can, but they have to base rates on statistics. One way that insurers try to help alleviate the costs for 19-year-olds is through discounts. Two of the most popular discounts are the good student discount and distant student discount.

Good Student Discount

Many insurance companies will offer a good student discount to younger drivers. The discount is typically available to those who maintain a minimum GPA of 3.0 while in school. Depending on your coverage, the discount can save you as much as 5 to 10 percent on your rates.

Distant Student Discount

For 19-year-old drivers who make the decision to go away for college, you might receive a discount in the form of a distant student discount. Generally, you will have to attend a college that is at least 100 miles away from home to qualify. However, every insurance company is different, and you should check with your agent to see what their requirements are.

Other Discounts for 19-Year-Olds

Typically, most companies will offer some type of discount for their drivers. It is a good idea to be familiar with what cost-saving measures are available to you. Below is a table of the most common discounts you should consider and look for when shopping for an auto insurance policy.

Car Insurance Tips for 19-Year-Olds

Even though most 19-year-olds assume they know everything, below are some things to keep in mind when it comes to car insurance

Shop Around

Regardless of what type of vehicle you have, it is important to shop around for quotes. Most 19-year-olds instinctively look at companies like Allstate, Progressive, Nationwide, and State Farm, but it is a good idea to look at smaller insurance companies as well. Typically, they will offer more discounts than some of the other larger brands. 

Take Advantage of Discounts

Discounts are one of the best ways to lower the cost of car insurance for a 19-year-old. Oftentimes, insurers will allow you to stack multiple discounts on top of each other to lower the monthly premium even further. Keep your eyes open for discounts for things such as good grades, taking defensive driving courses, building a strong credit score, and being a good driver

Remain on Your Parents’ Policy

If possible, remaining on your parents’ insurance plan can be one of the most cost-effective ways to obtain auto insurance. While your parents’ plan will increase in price, the amount it goes up will be less than the cost of your own separate policy. Sometimes, this can even qualify your parents for special discounts of their own. 

Drive a Safer Car

Owning and driving a car that has a solid crash-rating can help with getting lower insurance rates. Since the car will be more likely to protect you and your passengers in an accident, the insurer will often assign a lower risk rating. 

Drive an Older Car

It might not be the coolest thing to do, but there is no denying that driving an older car will save you money on your insurance. New cars cost more to replace, so insurance companies charge more to insure them. Since insurance generally gets cheaper as you get older, waiting to buy a new car can help keep your monthly premiums lower. 

Select a High-Deductible Plan

One of the major benefits of a high-deductible insurance plan is that your premium payments are less each month. However, the cost savings do come with some risk. With one of these plans, the amount you have to pay out of pocket will be higher should you be involved in an accident. Building up a small savings is a good way to ensure you can cover any expenses before your insurance kicks in.

Keep a Clean Driving Record

As we have discussed, the reason teenagers receive higher insurance rates is largely due to the amount of risk they pose behind the wheel. One way to keep your auto insurance costs down is to avoid citations or at-fault accidents. Being cited with a DUI or for racing can have an enormous impact on your insurance premium, raising your monthly premiums by as much as 40 percent

Maintain a Good Credit Score

While it may not be reasonable to expect a 19-year-old to have an extensive credit report built up so early in their life, it is something to keep in mind. By constantly paying your bills and debt down, you show insurance companies that you are responsible. Some insurers will even offer good credit score discounts, so while it may not benefit you now, it very well could in the future. 

19-Year-Old Driver Car Insurance FAQ

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

Similar to car insurance for other teenagers, the cost of coverage for a 19-year-old is going to be higher than those over the age of 25. The exact rates you pay will vary based on different factors such as your driving record, what kind of car you drive, and if your insurer offers any discounts.

Where can I compare car insurance quotes online for free?

With so many insurance providers in the market, it can be overwhelming trying to determine which one to go with. That is why Insurify makes the shopping experience quick and easy. Simply enter your information and answer a couple of questions, and you will be able to compare insurance rates from more than 20 providers all on one screen.

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

Risk is often one of the reasons insurers decide to charge higher rates to teenage drivers. Statistics show that younger drivers are more likely to either get into accidents or get citations for reckless driving. By maintaining a clean record for an extended period, you prove to the insurance company that you are responsible behind the wheel. This can often lead to lower insurance rates in the future.

Does the car I drive make a difference in insurance rates?

Surprisingly, the make and model of your car can impact how much you pay in monthly premiums. Most of the time a reliable economy sedan will be cheaper to insure than a sports car, luxury car, or off-road vehicle. Therefore, you may want to reconsider what car you purchase for your first vehicle.

At what age do insurance companies stop using age as a factor for rates?

It is true that insurance companies will use your age as a determining factor for your rates, especially if you are a young driver. However, the good news is that once you reach the age of 25, you will notice that age isn’t as big of a deal compared to when you were a 19-year-old. Most insurers won’t look at age again until you are a senior.

The best way for 19-year-olds to save on car insurance

Selecting a coverage plan that is both affordable and provides the protection you need is important. This is especially true when you are moving into your early 20s. You are in a period in your life when you are starting your career or college and need a plan that will support your goals. 

That’s why it is recommended that you look at and compare at least 10 different quotes from various insurers. It is a good idea to consider a wide range of insurance companies, including the big name brands and smaller regional auto insurers. This will not only allow you to see what your options are but also give you time to make a decision.

As you can see, comparing insurance quotes is an important part of the process, and with Insurify, it has gotten even easier. By just answering a couple of simple questions, you will be able to compare quotes from several insurance companies all on one page, making it easy to pick the plan that is perfect for you.

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Updated May 6, 2021

Doug Shaffer is a freelance writer for Insurify. While he has been writing for the insurance sector for the past three years, his writing career spans more than a decade. During the moments he manages to break away from the keyboard, he can be found spending time with his family.