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

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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: $50,00 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.

RankCompanyAverage monthly costAverage annual cost
1USAA$180$2,161
2COUNTRY Financial$187$2,246
3Erie$193$2,312
4GEICO$201$2,415
5State Farm$210$2,521
6NJ Manufacturers$221$2,655
7American Family$223$2,671
8Auto-Owners Insurance$223$2,672
9Farm Bureau$233$2,790
10Travelers$266$3,192
11MAPFRE$267$3,199
12Kemper$285$3,420
13Nationwide$304$3,648
14Shelter Insurance$316$3,795
15The Hartford$350$4,195
16Allstate$350$4,203
17National General$370$4,440
18Amica$396$4,751
19CSAA$415$4,985
20Progressive$434$5,211
21Farmers$446$5,350
22Auto Club Group$447$5,366
23Sentry Insurance$547$6,561
24Mercury Insurance$619$7,433
25Hanover$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.

GenderMonthly costAnnual 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

  • Montana

  • 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.

CompanyMale driverFemale driverDifference
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.

AgeAverage monthly costAverage 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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StateAverage monthly costAverage 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

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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.

StateCheapest companyAverage monthly costAverage annual cost
AlabamaGEICO$146$1,758
AlaskaUSAA$151$1,807
ArizonaGEICO$129$1,547
ArkansasUSAA$161$1,931
CaliforniaWawanesa$140$1,680
ColoradoAmerican National$130$1,556
ConnecticutGEICO$177$2,130
DelawareUSAA$202$2,421
District of ColumbiaUSAA$189$2,268
FloridaGEICO$264$3,168
GeorgiaUSAA$170$2,040
HawaiiGEICO$70$838
IdahoAmerican National$88$1,055
IllinoisPekin$134$1,604
IndianaUSAA$105$1,256
IowaState Farm$125$1,498
KansasUSAA$169$2,023
KentuckyGEICO$191$2,297
LouisianaUSAA$221$2,654
MaineAuto-Owners Insurance$111$1,338
MarylandUSAA$144$1,729
MassachusettsUSAA$170$2,036
MichiganGEICO$160$1,924
MinnesotaFarm Bureau$149$1,783
MississippiUSAA$135$1,616
MissouriUSAA$112$1,343
MontanaUSAA$162$1,943
NebraskaFarmers Mutual Insurance Co. of Nebraska$176$2,113
NevadaGEICO$162$1,949
New HampshireAuto-Owners Insurance$121$1,448
New JerseyGEICO$171$2,057
New MexicoUSAA$137$1,647
New YorkAmerican Family$167$2,004
North CarolinaGEICO$95$1,137
North DakotaUSAA$153$1,830
OhioUSAA$117$1,404
OklahomaAmerican Farmers and Ranchers$152$1,821
OregonCOUNTRY Financial$130$1,564
PennsylvaniaGEICO$172$2,062
Rhode IslandState Farm$184$2,210
South CarolinaAmerican National$114$1,367
South DakotaKemper$175$2,102
TennesseeGEICO$139$1,674
TexasFarm Bureau$134$1,608
UtahGEICO$147$1,761
VermontAuto-Owners Insurance$127$1,527
VirginiaGEICO$139$1,663
WashingtonPEMCO$211$2,536
West VirginiaUSAA$164$1,972
WisconsinUSAA$109$1,309
WyomingAmerican 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.