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Best Car Insurance For 19-Year-Olds

On average, people pay around $140 per month for car insurance. Many factors impact the cost for each individual, though, including the type of coverage purchased and what kind of car is being covered. Age also plays a big role in the cost of premiums for car insurance, with younger individuals typically paying more.
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Best Car Insurance For 19-Year-Olds

Written by Brian Greenberg

Last updated: June 23rd, 2022

Grant Desselle

Reviewed by Grant Desselle

Keep reading to find out more about the best auto insurance for 19-year-olds, including where you might find the cheapest premiums.

What is the best auto insurance for 19-year-olds?

As a 19-year-old, you may have two overall choices when it comes to car insurance. If you don’t yet own your own car, you can be added to your parents’ policy as a driver for their cars. Typically, this is the most cost-effective way to gain auto insurance as a teenager.

But since you’re 19, you do have the option to own your own car and get an insurance policy in your own name. The only place you can’t do that is Mississippi because the age of majority in that state is 21.

Taking that step toward independence can feel great, but it’s important to carefully consider whether you can afford the car and insurance to go with it. In this case, the best auto insurance for you is the one that provides the right amount of coverage while also fitting into your budget.

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

On average, 19-year-olds with individual policies and full-coverage insurance pay $200 to $500 a month. Carrying only liability coverage can cut those costs by a substantial amount, bringing the average down to $100 to $200 per month.

What else impacts the cost of auto insurance for 19-year-olds?

Age is only one factor in determining the cost of insurance. Some other factors include:

  • Type of vehicle. Vehicles with larger engines or those designed for speed and sportiness are typically seen as riskier by insurance companies. That often translates into more expensive insurance premiums.
  • Actual cash value of the vehicle. An insurance company takes on more monetary risk when it insures a more expensive vehicle. Insurance companies usually account for that risk by increasing premiums.
  • State. Insurance costs vary by state.
  • Driving record. If you have multiple infractions on your driving record, it can be harder to get insured. You may also pay more when you do find a policy.
  • Credit score. Some insurance companies use your credit score as one factor in determining how much risk you may bring.
  • Discount opportunities. If you’re in college, you may be able to get a discount for good grades.
  • Gender. Insurance companies tend to consider male teen drivers more of a risk than female teen drivers. That means male 19-year-old drivers pay more for insurance on average than their female counterparts.

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

Shopping around for insurance is one of the best ways you can save money as a teen driver — it’s actually true for drivers of any age. Start here by checking out some average monthly premium amounts for 19-year-olds.

Average cost for auto insurance for 19-year-old females

CompanyAverage monthly premium, full coverage
State Farm$260
GEICO$310
Farmers$320
Progressive$330
Nationwide$360
Allstate$400
Liberty Mutual$470

Average cost for auto insurance for 19-year-old males

CompanyAverage monthly premium, full coverage
State Farm$320
GEICO$360
Progressive$380
Farmers$400
Nationwide$450
Allstate$470
Liberty Mutual$780

Why do insurance companies charge more for teen drivers?

Insurance companies set premium prices to account for perceived risks. The riskier they consider you, the higher premiums will be. Drivers aged 16 to 19 are considered a high risk partly due to statistics. They are involved in more wrecks in general than people of other age groups, and the Centers for Disease Control and Prevention published data that indicates teen drivers are three times more likely to be involved in an accident involving a fatality than drivers who are older.

You can save around 50% on average if you own your car outright and live in a state where you can purchase liability-only insurance on it. Just remember that you won’t be covered if you get in an accident that is your fault or something happens to the car outside of an accident — such as a tree falling on it. Keep your coverage needs in mind as you shop for the best car insurance for you..

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