What are the best car insurance companies for a 19-year-old driver?
|Company||19-Year-Old Female||19-Year-Old Male||19-Year-Old Drivers|
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.
GEICO is one of the largest car insurance companies, offering policies for over 18 million people.
GEICO offers over a dozen discount options for teen drivers, especially if you’re attending college. Its good student discount of up to 15% is particularly valuable for people with at least a B average. On the flip side, GEICO received a slightly higher-than-average amount of complaints from customers in 2021.
Average minimum-coverage annual premium: $2,796
Average full-coverage annual premium: $3,420
Many discount options
Progressive has been around since 1937 and is based out of Mayfield Village, Ohio. If you’re a particularly good driver or you drive on a rideshare platform, it’s a good option. Its Snapshot program uses telematics to monitor your driving and adjust your discounts based on your behavior behind the wheel, which Progressive claims saves most drivers around $156 per year.
The downside is that it has an A+ from A.M. Best, instead of the top-level A++ rating. It also has a much higher-than-normal amount of complaints, according to the National Association of Insurance Commissioners (NAIC).
Average minimum-coverage annual premium: $3,216
Average full-coverage annual premium: $5,820
3. USAA Car Insurance Company
USAA is a banking and insurance company first founded in 1922 and is currently only available to military members and their families. If you’re connected with the military, this is an especially good insurance company to choose if you can look past its 2021 NAIC complaint ratings.
The main advantage of USAA is the cost. Premiums are already lower than average to begin with, and on top of that, the insurer offers numerous discounts specific to military members and their families. For example, if you store your car on a military base, you’ll get a 15% discount on comprehensive coverage. If you deploy, you could also save up to 60%.
Average minimum-coverage annual premium: $2,412
Average full-coverage annual premium: $3,084
Allstate has been around since 1931. Today, it’s the fourth-largest auto insurer in the country for personal vehicles. Allstate has nearly twice the amount of complaints as most other insurers and only an A+ A.M. Best rating, but there are still many things for 19-year-old drivers to like about it.
It offers a money-back satisfaction guarantee in some states if you’re not happy with your service after filing a claim. Like many other insurers, it offers discounts through a monitoring app (Allstate’s is called Drivewise), and it also offers car insurance for trips to Mexico.
Average minimum-coverage annual premium: $4,248
Average full-coverage annual premium: $5,436
Lower stability rating
Nationwide was first founded in 1926 and is based out of Columbus, Ohio. It’s also a relatively stable company, financially speaking, but doesn’t quite have the highest A++ rating from A.M. Best. Nationwide is another great option for younger drivers, especially if you don’t drive much because you’re attending school or working from home.
You can pay the regular rate, or you can opt in to the SmartMiles program, where your rate changes each month based on how many miles you drive. The Vanishing Deductible program also lowers your deductible amount by $100 for every year you drive accident-free, up to $500.
Average minimum-coverage annual premium: $4,284
Average full-coverage annual premium: $4,092
6. State Farm
Started in 1922, State Farm is now the largest car insurance company in the U.S., covering 16% of vehicles. It has a bit more complaints than the average auto insurer, but not as many as some of the other companies on this list.
State Farm is one of the lowest-cost insurers available for 19-year-old drivers. It doesn’t have too much in the way of fancy perks and programs, but for many people, the low rates alone are enough.
Average minimum-coverage annual premium: $2,712
Average full-coverage annual premium: $3,348
Amica, a company first founded in 1907, has one main claim to fame: high ratings from J.D. Power, which rated Amica as the best car insurance company in the New England region in 2022. It’s won that category for 10 years in a row, in fact.
However, for that excellent customer service, you’ll pay a high price. Amica is one of the most expensive insurers for 19-year-old drivers in the country, especially for men. Furthermore, the company only offers six discount options — far fewer than the competition.
Average minimum-coverage annual premium: $10,152
Average full-coverage annual premium: $13,560
Most expensive rates
Relatively few discounts
Erie is a smaller insurer that’s been around since 1925. Not only is it affordable for teen drivers, but it consistently ranks high for its good customer service. J.D. Power ranked it as the top insurer in two U.S. regions in 2022, but that’s also its downside: It’s only available in a handful of states in the central and eastern U.S.
Aside from excellent customer service, it offers a lot of perks. For example, if you drive safely for three years, Erie offers forgiveness for your first accident. Your coverage is also extended to your furry friends, up to $500 per pet if they’re injured in an accident.
Average minimum-coverage annual premium: $2,376
Average full-coverage annual premium: $2,844