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.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Konstantin HalachevVP of Engineering & Data Science
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.
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Cheapest recent rates
Recent car insurance prices for Nissan, Toyota, Chrysler, and more. Insurify features quotes from 100+ carriers including Sun Coast, Kemper Special, and Kemper RSVP.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $105 for liability and $202 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 rates 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.
Cost of car insurance for 19-year-olds
Teen drivers, specifically male drivers, pay some of the highest insurance rates. The national average cost for teen-owned insurance is $372 per month for full coverage and $184 per month for liability only, according to Insurify data. But covering a teen on their parents’ policy adds an average of just $283 per month for full coverage and $140 for liability only to the total premium.
A combination of inexperience, risky behaviors, and distracted driving increases teens’ risk of getting into an accident and filing a claim.
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 individual 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
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.
9.4 /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.
$45/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 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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
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.
9.0 /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.
$54/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.
$118/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)
Dianna
December 19, 2024
Verified Review
Roadside Assistance
When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.
Alan
December 18, 2024
Verified Review
Satisfied but too expensive
My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.
Samol
December 18, 2024
Verified Review
Geico is Good Insurance
It's excellent, but after a few accidents, the rates are creeping upwards.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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 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
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.
$54/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.
$119/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 highly for customer satisfaction. In a 2023 study by J.D. Power, State Farm ranked No. 1 among large insurers for providing a satisfying purchase experience to customers.[2] It also had above-average ratings in all regions in the J.D. Power 2023 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.
Find Affordable Car Insurance for Teens
Minimum-coverage policies start at $19 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Sunday, December 1 at 11:00 AM PST.
Konstantin HalachevVP of Engineering & Data Science
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Why it’s cheaper to add a 19-year-old driver to a parent’s policy
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 your own.[3] Buying your own policy could cost you $4,464 per year for full coverage, or $2,208 for liability-only insurance.
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.
For example, if your parents currently pay $316 per month for full coverage (the average cost for two drivers), adding you to their policy will bump their monthly cost to $599. That $283 per-month increase is still less than you’d pay for your own policy.
The main benefit of joining your parents’ insurance policy is cost savings. You might also have the opportunity to use a multiple-policy discount to further reduce the overall cost of coverage.
If you’re the parent of a 19-year-old driver, you can expect to see an increase in your overall premiums. Your insurance will go up even more if your teen gets in a car accident.
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Cost of a 19-year-old having their own policy
$184
$372
Cost of adding a 19-year-old to parents policy
+$140
+$283
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates
Recent car insurance prices for Nissan, Chevrolet, Jeep, and more. Insurify features quotes from 100+ carriers including Direct Auto, Just Insure, and Progressive.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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, including:
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.