Average cost of car insurance for 19-Year-Olds (2023)
The average cost of car insurance for 19-year-old drivers is $3,822 per year, though many companies offer coverage for less.
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael 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 HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew 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.
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.
Compare rates and shop affordable car insurance today
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.
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.
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
Compare rates and shop affordable car insurance today
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.
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.
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.
Compare rates and shop affordable car insurance today
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.
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
Collapse table
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.
Compare rates and shop affordable car insurance today
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.
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 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.
