Average cost of car insurance for 19-Year-Olds (2022)

The average cost of car insurance for 19-year-old drivers is $3,822 per year, though many companies offer coverage for less.

Rachael Brennan headshotAndrew Hurst

By

Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated|4 min read

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Car insurance costs 19-year-old drivers $319 per month on average (or $3,822 per year). Teens generally have the highest car insurance rates, and coverage for 19-year-olds is $2,170 more expensive per year than for typical drivers.

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Rates are more expensive than average for 19-year-olds, but you can still get cheap auto insurance quotes with some companies. We found that car insurance for 19-year-olds is cheapest from COUNTRY, which offers coverage for 43% less than average for this age group.

How we found the cost of car insurance for 19-year-olds

Policygenius found the cost of car insurance for 19-year-olds drivers using rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. These were for a 2017 Toyota Camry LE driven 10,000 miles per year, and for for full coverage with the following coverage limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

Our rates are the average cost for 21- and 18-year-olds. To find the cost of adding a 19-year-old driver to your insurance policy, we found the cost of adding a 16-year-old driver to a family’s policy, then we applied the percentage difference between 16- and 19-year-old drivers to this number.

How much is car insurance for 19-year-olds?

The average 19-year-old pays $319 each month for car insurance, or $3,822 per year. Compared to the average cost of coverage for most drivers, the cost of auto insurance for 19-year-olds is 131% more expensive.

Despite the high average cost of car insurance for 19-year-olds, many companies offer coverage at much more affordable rates. Our analysis found that the cost of insurance from the cheapest companies can be 30% lower than average.

USAA has the cheapest car insurance for 19-year-olds, but it’s only available to members of the military, veterans, and their families. COUNTRY is the cheapest provider for 19-year-olds that offers coverage to the general public.

A bar graph of the cost of car insurance for 19-year-olds.

The difference between the cheapest and most expensive companies for 19-year-olds can be thousands of dollars a year, which is why it’s so important for young drivers to shop around and compare rates before picking a policy.

Since rates can vary so much from company to company, even for the same exact driver, this is the best way to avoid paying more than you have to for car insurance.

Rank

Company

Average monthly cost

Average annual cost

1

USAA

$180

$2,161

2

COUNTRY Financial

$187

$2,246

3

Erie

$193

$2,312

4

GEICO

$201

$2,415

5

State Farm

$210

$2,521

6

NJ Manufacturers

$221

$2,655

7

American Family

$223

$2,671

8

Auto-Owners Insurance

$223

$2,672

9

Farm Bureau

$233

$2,790

10

Travelers

$266

$3,192

11

MAPFRE

$267

$3,199

12

Kemper

$285

$3,420

13

Nationwide

$304

$3,648

14

Shelter Insurance

$316

$3,795

15

The Hartford

$350

$4,195

16

Allstate

$350

$4,203

17

National General

$370

$4,440

18

Amica

$396

$4,751

19

CSAA

$415

$4,985

20

Progressive

$434

$5,211

21

Farmers

$446

$5,350

22

Auto Club Group

$447

$5,366

23

Sentry Insurance

$547

$6,561

24

Mercury Insurance

$619

$7,433

25

Hanover

$792

$9,502

Table shows the cost of full-coverage car insurance.

Can a 19-year-old get their own car insurance?

Yes, unlike younger drivers, 19-year-olds can buy their own car insurance. Auto insurance policies are contracts between a driver and company, and only adults can agree to contracts.

Drivers who are younger than 19, like newly-licensed 16 and 17 year olds, can only get car insurance by joining a parent’s existing policy or by getting their permission first.

Average cost of car insurance for 19-year-old male and female drivers

Car insurance rates for 19-year-olds may vary depending on the driver’s gender. Rates are more expensive, on average, for men than for women. We found that the cost of car insurance for 19-year-old male drivers is $41 more per month than it is for female drivers.

Gender

Monthly cost

Annual cost

Male driver

$339

$4,068

Female driver

$298

$3,571

Difference

$41

$496

A handful of states don’t allow insurance companies to set costs based on gender. In the following states, male 19-year-old drivers won’t pay more than their female counterparts:

  • California

  • Hawaii

  • Massachusetts

  • Michigan

  • Pennsylvania

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Does car insurance cost more for 19-year-old male or female drivers?

Car insurance costs more for 19-year-old male drivers than for female drivers of the same age, but the difference in costs depends in part on the company.

Of the companies with the lowest car insurance rates for 19-year-olds, the difference between what male and female drivers pay is least at GEICO. At GEICO male drivers pay only $15 more per month than female drivers.

Company

Male driver

Female driver

Difference

GEICO

$209

$194

$15

USAA

$187

$174

$13

COUNTRY Financial

$193

$181

$12

NJ Manufacturers

$230

$213

$17

American Family

$255

$238

$17

Companies shown here are the 10 cheapest providers on average for 19-year-olds.

→ Read more about the differences in the cost of insurance for men and women

Cost of car insurance for 19-year-olds compared to other ages

The cost of car insurance for 19-year-olds is more expensive than average — but still cheaper than for younger drivers. We found that car insurance costs 19-year-olds 131% more than average, but 35% less than for drivers ages 16, 17, and 18.

Age

Average monthly cost

Average Annual cost

16

$565

$6,779

17

$489

$5,868

18

$411

$4,931

19

$411

$3,822

21

$226

$2,708

25

$161

$1,929

30

$142

$1,706

35

$138

$1,654

45

$132

$1,583

55

$122

$1,463

60

$121

$1,449

65

$125

$1,494

70

$132

$1,585

Costs of a full-coverage car insurance policy.

Nineteen-year-olds pay higher average auto insurance premiums for 19-year-olds because they're more inexperienced than older drivers. Data shows that 19-year-olds are more likely to get into accidents than older drivers, which makes them more of a risk for companies to insure.

How much is car insurance for 19-year-olds in every state?

Across the country, the 19-year-olds pay an average of $3,822 per year for car insurance, but your rates depend in part on where you live. The cost of car insurance for 19-year-olds varies by as much as $5,739 when you compare the cheapest and most expensive states.

Hawaii has the cheapest car insurance for 19-year-olds of any state, because it doesn’t allow car insurance companies to consider age.  

On the other hand, Louisiana, already one of the priciest states for coverage, has the most expensive car insurance for 19-year-olds at $7,001 per year.

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We don't sell your information to third parties.

State

Average monthly cost

Average annual cost

Alabama

$366

$4,397

Alaska

$252

$3,020

Arizona

$318

$3,812

Arkansas

$337

$4,048

California

$308

$3,699

Colorado

$325

$3,906

Connecticut

$389

$4,670

Delaware

$426

$5,112

District of Columbia

$374

$4,490

Florida

$524

$6,290

Georgia

$351

$4,213

Hawaii

$105

$1,263

Idaho

$234

$2,813

Illinois

$278

$3,342

Indiana

$213

$2,558

Iowa

$193

$2,320

Kansas

$290

$3,477

Kentucky

$412

$4,941

Louisiana

$583

$7,001

Maine

$232

$2,787

Maryland

$372

$4,469

Massachusetts

$373

$4,477

Michigan

$448

$5,374

Minnesota

$236

$2,833

Mississippi

$320

$3,843

Missouri

$294

$3,526

Montana

$374

$4,493

Nebraska

$288

$3,460

Nevada

$420

$5,038

New Hampshire

$262

$3,148

New Jersey

$472

$5,662

New Mexico

$276

$3,311

New York

$379

$4,547

North Carolina

$142

$1,702

North Dakota

$264

$3,163

Ohio

$208

$2,498

Oklahoma

$371

$4,450

Oregon

$281

$3,374

Pennsylvania

$326

$3,917

Rhode Island

$422

$5,067

South Carolina

$337

$4,044

South Dakota

$277

$3,319

Tennessee

$278

$3,331

Texas

$358

$4,302

Utah

$316

$3,798

Vermont

$224

$2,684

Virginia

$268

$3,221

Washington

$326

$3,913

West Virginia

$332

$3,987

Wisconsin

$219

$2,623

Wyoming

$268

$3,221

Cheapest car insurance for 19-year-olds: COUNTRY

4.3

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Cheapest car insurance for 19-year-olds: COUNTRY logo

Best for 19-year-olds

Car insurance for 19-year-olds is cheaper from COUNTRY than from any other nationally available company.

On average, car insurance for 19-year-old drivers costs $187 per month (or $2,246 per year) with COUNTRY Financial. This makes COUNTRY 41% cheaper than average for 19-year-olds.

In addition to cheap rates, COUNTRY also offers 19-year-olds a few insurance discounts that they can use to lower costs. These include discounts for full-time students who keep up a B average or better, and discounts for completing a defensive course.

COUNTRY also offers endorsements like new car replacement for vehicles up to five years old (better than the typical three-year limit). You can also add roadside assistance and personal effects coverage, though these are more typical offerings.

Cheapest car insurance for 19-year-olds in every state

Although COUNTRY is the cheapest car insurance for 19-year-olds, it’s actually not the cheapest company in any single state. USAA is the cheapest car insurance company for 19-year-olds in 18 states.

Behind USAA, GEICO has the lowest car insurance rates for 19-year-old drivers in 14 states.

State

Cheapest company

Average monthly cost

Average annual cost

Alabama

GEICO

$146

$1,758

Alaska

USAA

$151

$1,807

Arizona

GEICO

$129

$1,547

Arkansas

USAA

$161

$1,931

California

Wawanesa

$140

$1,680

Colorado

American National

$130

$1,556

Connecticut

GEICO

$177

$2,130

Delaware

USAA

$202

$2,421

District of Columbia

USAA

$189

$2,268

Florida

GEICO

$264

$3,168

Georgia

USAA

$170

$2,040

Hawaii

GEICO

$70

$838

Idaho

American National

$88

$1,055

Illinois

Pekin

$134

$1,604

Indiana

USAA

$105

$1,256

Iowa

State Farm

$125

$1,498

Kansas

USAA

$169

$2,023

Kentucky

GEICO

$191

$2,297

Louisiana

USAA

$221

$2,654

Maine

Auto-Owners Insurance

$111

$1,338

Maryland

USAA

$144

$1,729

Massachusetts

USAA

$170

$2,036

Michigan

GEICO

$160

$1,924

Minnesota

Farm Bureau

$149

$1,783

Mississippi

USAA

$135

$1,616

Missouri

USAA

$112

$1,343

Montana

USAA

$162

$1,943

Nebraska

Farmers Mutual Insurance Co. of Nebraska

$176

$2,113

Nevada

GEICO

$162

$1,949

New Hampshire

Auto-Owners Insurance

$121

$1,448

New Jersey

GEICO

$171

$2,057

New Mexico

USAA

$137

$1,647

New York

American Family

$167

$2,004

North Carolina

GEICO

$95

$1,137

North Dakota

USAA

$153

$1,830

Ohio

USAA

$117

$1,404

Oklahoma

American Farmers and Ranchers

$152

$1,821

Oregon

COUNTRY Financial

$130

$1,564

Pennsylvania

GEICO

$172

$2,062

Rhode Island

State Farm

$184

$2,210

South Carolina

American National

$114

$1,367

South Dakota

Kemper

$175

$2,102

Tennessee

GEICO

$139

$1,674

Texas

Farm Bureau

$134

$1,608

Utah

GEICO

$147

$1,761

Vermont

Auto-Owners Insurance

$127

$1,527

Virginia

GEICO

$139

$1,663

Washington

PEMCO

$211

$2,536

West Virginia

USAA

$164

$1,972

Wisconsin

USAA

$109

$1,309

Wyoming

American National

$161

$1,929

Monthly and annual costs of full-coverage car insurance across every state.

How to get cheap car insurance at 19

Car insurance for 19-year-olds can be expensive, but you can still get cheap rates with a little extra work. 

The most reliable way 19-year-olds can find the best auto insurance is by comparing quotes from multiple companies and picking the one that offers the most affordable rates Other ways to save on car insurance for teens include:

  • Staying on a shared policy: Adding a 19-year-old to an existing policy is almost always cheaper than getting a separate policy. As long as you live at home, joining your parents’ insurance is a great way to lower your costs.

  • Maintaining high grades: Most insurance companies offer discounts to high school and college students who keep their grades high. If you can get and keep a B average or better, your rates will be lower.

  • Signing up for usage-based insurance: Most companies offer discounts through a telematics program. When you sign up, your driving will be monitored for a few weeks. If you’re a safe driver, you could earn significant discounts.

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Frequently Asked Questions

How much is car insurance at 19 years old?

The average cost of car insurance at 19 years old is $3,822 per year — though it costs just $2,477 to add a 19-year-old to an existing insurance policy. It costs more for 19-year-olds to get insured because they’ve spent less time driving.

What is the cheapest car insurance for 19-year-olds?

USAA has the cheapest average cost of car insurance for 19-year-olds. However, since USAA only offers coverage to individuals and families affiliated with the military, COUNTRY is the cheapest company for 19-year-olds that’s available to the public.

Is car insurance more expensive for 19-year-old men or women?

Car insurance usually is more expensive for 19-year-old male drivers than female drivers. On average, the cost for men is $496 more per year than it is for women of the same age — though this varies depending on the company.

Authors

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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