Best car insurance for 19-year-olds

The average cost of car insurance for 19-year-old drivers is $3,820 per year. Of major companies, Erie has the lowest rates for 19-year-old drivers at $2,312 per year and Farmers has the highest rates at $5,350 per year.

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Insurance companies are much more likely to have to pay out car insurance claims for younger drivers than they are for adults, which means they charge much higher rates for teenage drivers.  

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The average cost of insurance for a 19-year-old driver is $3,820 per year, but there are several ways for older teens to save money on their car insurance.

Key takeaways

  • The average cost of car insurance for a 19-year-old driver is $3,820 per year.

  • The lowest rates we found for 19-year-old drivers were through Erie at $2,312 per year.

  • The highest rates we found were through Farmers at $5,350 per year, which is a difference of $3,038.

  • Shopping around for quotes from multiple companies is the most effective way to save money on car insurance for a young driver.

How much does car insurance cost for a 19-year-old?

Shopping around for quotes from multiple companies is the most effective way to save money on car insurance for a young driver. The chart below shows the average annual rates for a 19-year-old driver at ten of the top insurance companies in the U.S.:

CompanyRates for 19-year-old drivers
Erie$2,312
State Farm$2,521
American Family$2,671
GEICO$2,415
USAA$2,161
Nationwide$3,648
Travelers$3,192
Allstate$4,203
Progressive$5,211
Farmers$5,350

Cost can vary from company to company, so comparing quotes from multiple companies can save you thousands of dollars on your car insurance each year.

Car insurance costs for 19-year-olds by gender

Car insurance companies consider your gender when setting your rates in almost every state. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania all have laws preventing insurance companies from considering your gender when setting your insurance rates, but drivers in other states should expect their gender to impact their insurance rates. 

The chart below shows the average annual rates for a 19-year-old driver by gender at ten of the top insurance companies in the U.S.:

Company19-year-old female driver19-year-old male driver
Allstate$3,881$4,525
American Family$2,568$2,774
Erie$2,054$2,569
Farmers$5,169$5,531
GEICO$2,327$2,504
Nationwide$3,353$3,943
Progressive$4,923$5,498
State Farm$2,284$2,758
Travelers$2,915$3,469
USAA$2,083$2,239

Some companies have a relatively small difference in rates by gender while others have a difference of $500 or more, which means comparing quotes is the best way to make sure you  are getting the lowest possible rate. 

How to save money on car insurance for 19-year-old drivers

Rates for 19-year-old drivers are higher than rates for older drivers, but there are still ways for teens to save money on car insurance.

1. Compare quotes

Shopping around for quotes is the easiest way to save money on car insurance. The lowest rates we found for 19-year-old drivers were through Erie at $2,312 per year and the highest rates we found were through Farmers at $5,350 per year, which is a difference of $3,038.

It is important to remember that there are hundreds of smaller insurance companies around the country, including local companies that only offer coverage in your state, that may offer lower rates. Policygenius can help you compare quotes to save you thousands of dollars each year on your car insurance.

2. Good student discount

All of the biggest insurance companies offer a discount for full-time students who maintain a high GPA, typically offering savings of 10% to 15%. Each company’s student discount is unique,  so check with your insurance company for their requirements and to see if you qualify.

3. Resident student discount

Many insurance companies offer a discount for families who have a college student who goes to school at least 100 miles from home and lives on campus. The thought behind this discount is that students who left their car at home and don’t have regular access to it won’t be driving much and their rate should be adjusted accordingly.

4. Family coverage

Basically all 19-year-old drivers will get the lowest rates by being added to their parent’s insurance coverage. This gives them access to a number of discounts, including bundling discounts and multi-car discounts, that they wouldn’t be able to get on an individual policy.

Why is insurance so expensive for a 19-year-old?

Insurance companies are more likely to have to pay out claims for younger drivers, so they increase rates for drivers in their teens and early twenties to account for their higher level of risk. 

Young drivers, especially teens, have an increased risk of being in an accident. According to the CDC, 16-to19-year-old drivers are almost three times as likely to be in a fatal crash than drivers over the age of 20. [1]

Frequently asked questions

Is insurance high for a 19-year-old driver?

Car insurance rates are higher for 19-year-old drivers than adults in their twenties and thirties, but 19-year-old drivers pay much less than 16-, 17-, and 18-year-old drivers.

Does car insurance go down at 18?

Young drivers with a clean driving record usually see car insurance costs go down each year. For example, the average cost of insurance for a 16-year-old is $6,779 and the average cost of insurance for an 18-year-old driver is $4,931. The cost of insurance does go down at 18, but the average cost of insurance for a 19-year-old driver is $3,820, so it continues to drop each year into your 50s and 60s as long as your driving record stays clean.

How does the type of car I drive impact my insurance?

The make and model of the car you drive can have a significant impact on the cost of your car insurance. While rates based on your age are about your level of risk, rates based on your vehicle are about how much it would cost to repair or replace your car if you file a claim.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states, plus Washington, D.C. 

For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by the state or insurer.

Rates for overall average rate and cheapest companies determined using drivers aged 18 and 21 averaged together to find the rates for 19-year-old drivers. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles per year.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.