Best Car Insurance for 19-Year-Olds (2025)
USAA, State Farm, and GEICO offer some of the cheapest car insurance for 19-year-old drivers.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
Nineteen-year-old drivers buying their own car insurance face average rates of $372 per month for full coverage and $184 for minimum-coverage policies, according to Insurify data. By comparison, the national average costs for all age groups combined are $107 for liability and $193 for full coverage.
Insurance costs for teenagers are high because teen drivers have crash rates nearly three times the rates of drivers 20 and older.[1] But there is good news: A 19-year-old driver is just a few years away from seeing their car insurance rates start to drop. And teen drivers and their families can take steps to reduce their premiums while their young drivers gain experience behind the wheel.
To find the lowest car insurance premiums for young drivers, take some time to compare multiple car insurance companies on rates, coverage options, and teen-driver discounts.
Quick Facts
Young male drivers tend to pay higher premiums than their female counterparts due to their higher rates of risky driving behaviors, like speeding.
It’s generally cheaper for teens to be covered under their parents’ policy than for teens to buy their own insurance policy.
Good student and defensive driving discounts can help reduce the cost of car insurance for teen drivers.
Average cost of car insurance for 19-year-olds
If you’re a 19-year-old trying to find cheap car insurance, your best option is usually to join your parents’ insurance policy versus buying a separate policy.[2] Getting your own policy could cost you $4,464 per year for full coverage or $2,208 for liability-only coverage.
Teen drivers, specifically male drivers, pay some of the highest insurance rates. A combination of inexperience, risky behaviors, and distracted driving increases teens’ risk of getting into an accident and filing a claim.
Adding a teen driver to a policy will increase the overall premium but less than it would cost for the teen to buy their own car insurance. The cost of adding a 19-year-old to a parent’s policy is approximately 27% cheaper for full-coverage and liability-only insurance. Plus, adding another driver can help parents secure a multi-policy discount.
Here’s how rates compare for individual policies versus joined policies.
Coverage  | Teen on Their Own Policy | Teen on Their Parents’ Policy |
|---|---|---|
| Liability only | $184 | $140 |
| Full coverage | $372 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Best car insurance companies for a 19-year-old
If you’re searching for the best car insurance for a 19-year-old, comparing multiple insurance companies can help you find the coverage that fits your budget and needs. Here are three of the best and cheapest companies for insuring a 19-year-old driver.
Best for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,100 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers the lowest car insurance premiums for 19-year-old drivers. But to take advantage of these rates, you have to be a USAA member. Membership is available only to active-duty military personnel, veterans, and their qualifying family members.
To help cut costs for teen drivers, USAA offers a variety of teen discounts, including driver training discounts, good student discounts, and multi-vehicle discounts. You can also earn up to 30% off for safe driving through USAA’s SafePilot program if you live in an eligible state. When you’re ready to move on from your parents’ insurance and get your own policy, you may qualify for a 10% family discount.
Pros
Low premiums for 19-year-old drivers
Ability to save up to 30% with the SafePilot program
Cons
Not available to non-military members
No gap insurance
Best for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $113/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
4.0
Best choiceBased on 11,989 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,432)
Rosemary
July 2, 2025
Verified Review
Geico is the worst!
Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.
Deejane
June 30, 2025
Verified Review
Geico Forever
All good for over 50 years.
Joshua
June 30, 2025
Verified Review
GEICO has the best rates
Thank you for your service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO also offers competitive insurance rates for 19-year-old drivers. In addition, it has a variety of discounts, including those for being a good student, taking a driver’s education course, being a good driver, and having multiple vehicles on one policy. Vehicle equipment discounts for airbags, anti-lock brakes, an anti-theft system, or daytime running lights could help you save even more.
Pros
Superior financial strength rating of A++ from AM Best
Variety of teen driver discounts
Cons
No rideshare insurance
No gap insurance coverage
Best for customer satisfaction: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.1
Best choiceBased on 11,264 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,043)
Duane
July 1, 2025
Verified Review
40+ years says it all!
State Farm has always met my expectations for the 40+ years of service.
Krystal
July 1, 2025
Verified Review
Good
State Farm was my best insurance company, but I couldn't pay my bill because it was too high.
Steven
June 30, 2025
Verified Review
Happy but Broke Now
State Farm is a great company that comes at a premium.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In addition to having some of the lowest insurance rates for 19-year-old drivers, State Farm also rates fairly well in J.D. Power’s study for claims satisfaction. It also has above-average ratings in all regions in the J.D. Power 2024 U.S. Auto Insurance Study.
State Farm offers several teen discounts, including a good student discount that’s available to high school and college students up to age 25. Driver training and student-away-at-school discounts are also available.
Pros
Competitive premiums for 19-year-old drivers
Strong customer satisfaction ratings from J.D. Power
Cons
No gap insurance
More expensive for drivers with violations
To choose the best car insurance companies for 19-year-old drivers, Insurify data scientists and editors analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database. We considered premium costs, availability, discounts, consumer satisfaction ratings, and third-party industry ratings.
Cheapest car insurance for 19-year-olds
In addition to age, many factors determine the cost of car insurance, including gender, ZIP code, driving record, the car you drive, the type and amount of car insurance you want to purchase, and even your credit history in many states.
The following table highlights average monthly quotes from some of the cheapest car insurance companies for 19-year-olds.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| COUNTRY Financial | $55 | $28 |
| Auto-Owners | $123 | $65 |
| USAA | $179 | $89 |
| NJM | $196 | $162 |
| CSAA | $215 | $139 |
| Mile Auto | $223 | $142 |
| State Farm | $224 | $108 |
| Erie | $225 | $173 |
| Root | $235 | $154 |
| GEICO | $248 | $194 |
| Allstate | $275 | $136 |
| American Family | $277 | $137 |
| Elephant | $299 | $208 |
| Mercury | $313 | $173 |
| The General | $313 | $163 |
| Safeco | $331 | $203 |
| Clearcover | $343 | $237 |
| Nationwide | $364 | $181 |
| Direct Auto | $373 | $208 |
| Bristol West | $395 | $188 |
| Travelers | $397 | $201 |
| National General | $413 | $222 |
| 21st Century | $418 | $219 |
| Dairyland | $428 | $147 |
| Liberty Mutual | $432 | $316 |
| Farmers | $440 | $213 |
| Commonwealth Casualty | $447 | $171 |
| Shelter | $476 | $348 |
| GAINSCO | $486 | $229 |
| AssuranceAmerica | $534 | $293 |
| Chubb | $535 | $280 |
| The Hartford | $603 | $476 |
| State Auto | $662 | $357 |
| Amica | $756 | $609 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates
Drivers have found policies from First Acceptance, Mile Auto, Anchor, and more, for rates as low as $37/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
How 19-year-olds can save on car insurance
Teen drivers and their parents can take steps to reduce the cost of car insurance:
1. Look for discounts
Most car insurance companies offer discounts to help reduce premiums. For example, GEICO offers a good student discount to full-time students who maintain a B average or higher. With this discount, you can save up to 15% on certain coverage.
The following table shows just some of the discounts available and the companies that offer them. You’ll find these discounts from many other insurers as well.
Discount | % Saved |
|---|---|
| Good grades | Up to 15% |
| Drivers education program | Varies |
| Multi-vehicle | 7% |
| Telematics | Up to 30% |
2. Join your parents’ policy
If your parents are open to you joining their auto insurance policy, this is a good way to save on the overall cost. Age and credit history affect insurance costs, so being on your parents’ coverage can help you benefit from the savings they qualify for. You also might qualify for multi-vehicle discounts.
3. Compare car insurance quotes
Insurance rates can vary widely between insurance companies. By comparing car insurance quotes from multiple companies, you can find the one that best fits your needs and budget.
For a side-by-side comparison of various insurance companies, you can use online quote-comparison tools. Consider the type and amount of coverage you need and the cost.
4. Increase your deductible
Generally, the higher your collision and comprehensive deductibles, the lower your monthly premiums. For instance, you can save between 15% and 30% by raising your deductible from $200 to $500 on your collision and comprehensive coverage, according to the Insurance Information Institute.
Increasing your deductible to $1,000 can save you 40% or more. If you choose a higher deductible, make sure you can afford to pay it if you have to submit a claim.
5. Consider usage-based insurance
If you’re someone who doesn’t drive frequently, you might consider usage-based car insurance. Coverage is based on how many miles you drive per month.
For example, Nationwide’s SmartMiles car insurance offers a flexible monthly insurance rate that’s based on your mileage. Your monthly insurance premium includes two parts:
Base rate: Stays the same each month
Variable rate: Cost-per-mile charge that varies from month to month
6. Drive a safe vehicle
Both the value of your car and the safety features in your car can affect the cost of your premiums. Generally, a more expensive car costs more to insure because it costs more to repair. Cars with high-quality safety equipment might qualify for discounts with different insurers.
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Learn More: 6 Best Pay-as-You-Go Car Insurance Companies
What determines your car insurance rate?
Auto insurance companies use a variety of factors to determine the cost of your car insurance premiums, including:
Age
Younger drivers pay higher insurance premiums due to inexperience and other factors that make them a high risk to insurers.
Gender
Women tend to have fewer accidents, DUIs, and less severe accidents than men, leading to lower insurance premiums.
Driving record
A driving record free from speeding tickets, accidents, and other violations typically leads to lower insurance premiums.
Vehicle
Driving a vehicle that has high-quality safety equipment might help you qualify for discounts on your insurance premiums.
Location
Where you live and even where you park your car can affect your insurance rates. Generally, living in areas with low vehicle crime and low accident rates — and parking your car in a garage versus on the street — can help you secure a lower rate.
How gender affects car insurance rates for teen drivers
In general, men pay more for car insurance than women. Male drivers of any age are more likely to engage in driving behaviors that can lead to accidents and claims, like speeding or driving while impaired. Male drivers ages 16 to 19 have a car accident fatality rate nearly twice the rate for female drivers of the same age.[3]
These differences affect car insurance rates. The table below illustrates the percentage difference in insurance costs for teenagers.
Teen Driver | Male | Female | % Difference |
|---|---|---|---|
| 16-year-olds | $444 | $401 | 11% |
| 17-year-olds | $418 | $380 | 10% |
| 18-year-olds | $395 | $360 | 10% |
| 19-year-olds | $387 | $353 | 9% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance for 19-year-olds FAQs
Teen drivers pay more for insurance, but you can take steps to keep costs down — from choosing a safe car for them to enrolling them in a driver education program. Here are some answers to commonly asked questions to help you start saving.
What is the cheapest car insurance for 19-year-olds?
The cheapest car insurance for 19-year-olds is with USAA, with an average rate of $68 per month for liability-only insurance and $148 per month for full coverage. GEICO and State Farm also offer some of the lowest car insurance premiums for 19-year-olds.
Why is car insurance more expensive for teen drivers?
Teenagers pay higher insurance premiums due to inexperience and other factors that increase the risk to insurers. Teen drivers also have a crash rate nearly four times that of drivers age 20 and older, according to the Insurance Institute for Highway Safety (IIHS).
Should 19-year-olds have their own insurance?
Parents and teens need to decide for themselves if they should have separate insurance policies. But if you have the option to join your parents’ policy, this is typically cheaper than purchasing coverage on your own.
Does car insurance go down when you turn 19?
Your car insurance rates might go down when you turn 19 depending on factors such as your driving record, experience, and insurance company. But until the age of 25, insurers typically charge young drivers higher premiums.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.