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Cheapest Car Insurance for 19-Year-Olds

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Car Insurance
Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance for 19-year-olds is $366 per month.
  • Farmers is the cheapest insurer we found for 19-year-olds, with average premiums of $106 per month.
  • Teenagers can save on car insurance through discounts, such as a good student discount or a distant student discount.

Although some 19-year-old drivers have up to three years of experience on the road, car insurance companies still view you as a teenager, meaning they consider you a high-risk driver and charge you higher rates than older drivers.

Nineteen-year-olds can still find themselves cheap car insurance quotes, however. One way is to take advantage of Insurify’s car insurance comparison tool. It’s fast and free and provides you with a slate of real insurance quotes from the best car insurance companies in the industry.

Cheapest Car Insurance Companies for 19-Year-Olds

Finding the cheapest auto insurance for young drivers is an uphill battle, but all it really takes is some extra effort. To get started, here’s a list of auto insurance companies that offer good car insurance rates to teenage drivers along with discounts, bundling opportunities, and other perks that offset the high premiums charged to young drivers.

Insurance CompanyCheapest Monthly Quote
Farmers$106
Kemper$183
Travelers$202
Amigo USA$206
Elephant$228
National General$279
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Average Car Insurance Rates by Age and Gender

Since young drivers lack driving experience, they are more prone to car accidents. This is reflected in a higher average monthly cost of car insurance. When analyzing car insurance rates by age, teenagers pay much more on average than older drivers, regardless of gender.

While 19-year-old males pay $337 per month on average for car insurance, female drivers pay average rates of $382 per month. In Michigan, California, North Carolina, and a handful of other states, it’s illegal for insurance companies to take driver gender into account when setting rates, so 19-year-old male drivers don’t pay more than 19-year-old female drivers.

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How much does car insurance cost for 19-year-olds?

How much does car insurance cost for 19-year-olds?

Car insurance for teens is expensive because they are inexperienced on the road and more likely to get into accidents. However, car insurance providers offer discounts for teens, such as a good student discount or a driver training discount, to lower costs.

The average annual car insurance premium for 19-year-old drivers is $378 per month. That might sound intimidating, but there are ways to lower your rates, such as selecting insurance coverage limits carefully and choosing the right insurance provider. Enrolling your teen driver in driving school or a defensive driving course can lead to savings on insurance premiums.

See More: Car Insurance Quotes

GEICO

Always a go-to for minimum coverage, GEICO offers teen drivers low rates that help them meet the state minimum liability coverage. If you need to insure a more expensive car with collision coverage, you might find a better rate on a full-coverage car insurance policy elsewhere, but all new drivers should get a quote from GEICO.

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

  • Good student discount
  • Driver training discount
  • Antilock brakes discount
  • Anti-theft systems discount
  • Student organization membership discounts
  • Good driver discount

Progressive

This Ohio company has insurance coverage that rewards safe driving habits, has reasonable insurance premiums, and gives younger drivers the chance to back off their coverage if they’re a student away at school and not driving too much. Since it’s a large company with a nationwide presence, it will likely have policies in your area.

A few of the discounts that Progressive offers to a 19-year-old driver include:

  • Distant Student discount
  • Snapshot Safe Driver discount
  • Multi-car discount
  • Accident forgiveness

State Farm

With a big slate of mobile app programs that can help you get a good driver discount, State Farm has good insurance coverage that younger drivers should look out for. It tends to offer the national average or better when it comes to insurance quotes and has no shortage of discount opportunities for teen drivers.

A few of the discounts that State Farm offers to a 19-year-old driver include:

  • Good student discount
  • Student away at school discount
  • Driver training discount
  • Drive Safe and Save safe program
  • Steer Clear safe driver discount
  • Anti-theft discount
  • Accident forgiveness

Allstate

Are you a college student who gets good grades? Not only will Allstate provide you with a good student discount, but you might also want to consider enrolling in their defensive driving course; it could save you extra money on your insurance premium. Allstate has many benefits for teen drivers, including student away at school and bundling discounts.

A few of the discounts that Allstate offers to a 19-year-old driver include:

USAA

Aside from the GI Bill, active military members and veterans are eligible for a policy from one of the best and cheapest car insurance companies out there: USAA. Be sure to tell your 17-year-old siblings who can’t enlist yet to also get a USAA auto insurance policy—your immediate family is welcome too.

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

  • Good student discount
  • Family discount
  • Driver training discount
  • Multi-vehicle discount

See More: Best Car Insurance Companies

Best Auto Insurance Discounts for 19-Year-Olds

Most auto insurance companies offer some variations on the car insurance discounts we show in this table. If you find yourself eligible for any of these discounts, be sure to take advantage and get some cheap car insurance.

Discounts for 19-Year-OldsHow to Get ItCompanies That Offer It
Good Student DiscountA GPA of 3.0 or higher typically gets you into the “good student” range, but it varies by insurance company.GEICO, Allstate, State Farm, Progressive, USAA
Distant Student DiscountIf you’re a college student and need insurance but your car just sits at home, this discount is a must-have.GEICO, Allstate, State Farm, Progressive, USAA
Military DiscountIf you decide to enlist, definitely take advantage of military discounts and strongly consider an auto insurance policy with USAA.GEICO, USAA
Driver TrainingThese defensive driving courses can have a huge impact on your auto insurance rates - just make sure your insurance provider offerGEICO, Allstate, Progressive, State Farm, USAA
Married DiscountEven though most 19-year-olds aren’t hitched just yet, if you’re married, you should take advantage of the discounts on auto insurGEICO, Allstate, Progressive, State Farm, USAA

Tips for Cheaper Car Insurance

All 19-year-olds should follow these simple tips to keep their premiums low and stay eligible for the best discounts.

Shop Around for Car Insurance

Comparing car insurance quotes from different car insurance companies is one of the best ways to save money. You never know when you could find the same policy for less money somewhere else. Free online quote-comparison tools like Insurify can make this process easy and painless.

See More: Best and Worst Sites to Compare Car Insurance

Remain on Your Parents’ Policy

It rarely makes sense to buy a separate policy for yourself. By sticking together as a family and remaining on your parents’ policy, drivers can qualify for multi-car discounts.

Drive an Older, Safer Car

Your old Honda just got cooler—you’re getting cheaper car insurance than people with flashy sports cars. The older the car, the cheaper your insurance, and the less likely you’ll need anything but the minimum coverage. And as always, the more safety features your car has, the more discounts you’ll be able to get from insurance providers.

Select a High-Deductible Plan

Your deductible is what you pay in the event of a claim. The higher your deductible, the lower your monthly premium. Plus, choosing a higher deductible means you’ll be less likely to file a claim for a low-cost repair—something that’s usually not worth the added costs later. Just make sure you don’t set an unaffordable deductible.

Keep a Clean Driving Record

The longer you go without having a car accident, the more discounts will open up to you. Stay safe for your own sake and for those around you, all while saving money.

Maintain a Good Credit Score

Consider spending a portion of your money through a credit card—as long as you’re able to pay it reliably. A good credit score will make you a desirable policyholder to insurance companies.

Discounts, Discounts, Discounts!

Cash in on all the car insurance discounts you might be eligible for. Some might include:

Cheapest States for Car Insurance for 19-Year-Olds

19-year-old drivers who live in the following states can enjoy the low car insurance rates that come with their location:

StateInsurance CompanyCheapest Monthly Premium
North CarolinaDirect Auto$61
HawaiiFarmers$86
OhioNational General$123
IndianaElephant$128
IllinoisKemper$129
WisconsinNational General$156
TennesseeElephant$157
IowaMidvale$158
NebraskaMidvale$158
UtahFreedom National$159
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Frequently Asked Questions

  • Average rates for car insurance policies for a 19-year-old are $366 per month. If that sounds intimidating, there are plenty of ways to lower your rate, especially if you have good grades and are open to taking a defensive driving course. You can also forgo full-coverage options like collision coverage and comprehensive coverage.

  • Comparing car insurance quotes with Insurify allows drivers to see accurate real-time rates from top insurance companies and compare them side-by-side. When you shop on a quote-comparison platform, you can have peace of mind knowing you’ve secured the cheapest rate available.

  • Unless you’re a brand-new driver, by the time you’re 19, you might have had a few years to build up a clean driving record. Insurance companies love to see this, and a clean driving record means lower rates for you.

The Best Way to Compare and Get Cheaper Car Insurance

It’s a serious challenge, but it’s not impossible to find cheap car insurance for teen drivers. A few simple adjustments, like taking the time to search for the cheapest car insurance quotes around the industry, can make a huge difference in your car insurance rates.

There’s no better way to get real quotes from the insurance providers that matter than with Insurify. Instead of contacting a dozen car insurance companies to get quotes, let our quote-comparison tool do the hard work for you. You’ll have the best data to identify which auto insurance companies are the best match for you so you can make the right choice.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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