If you’re wondering, “How much is car insurance for a 19-year-old?” You are in the proper place. Drivers under the age of 19 pay the most expensive insurance premiums.
You are more likely to experience an accident as a rookie driver than almost any other type of motorist. How much should you budget for auto insurance as a 19-year-old? To learn more, keep reading.
Drivers get better at navigating traffic laws once they reach the age of 19. Insurance providers reward those years of driving experience with lower vehicle insurance premiums.
For full coverage, the typical annual vehicle insurance for a 19-year-old on their policy is $4,132. This rate is about $2,500 more than the $1,682 national average for drivers under 40. A driver aged 19 has considerably lower rates than a driver aged 16 ($7,625), 17 ($6,272), and 18 ($5,556).
Younger drivers pay far more for insurance than the majority of policyholders. It’s because of their lack of driving expertise. Teenagers between 16 and 19 had the highest crash risk of any age group. Continue reading to learn how much is car insurance for a 19-year-old driver.
Average Car Insurance Premium For A 19-Year-Old Driver
You must anticipate paying $1,800-$4,000 if you’re thinking about how much is car insurance for a 19-year-old. This typical figure is based on the supposition that you maintain the state’s basic minimum standards for auto insurance coverage.
The average annual cost of auto insurance can go from $2,600 to $4,000. A 19-year-old driver typically spends roughly $3,500 for a 100/300/100 auto insurance coverage. Your auto insurance cost will vary greatly depending on your gender, age, and several other factors.
For instance, a 19-year-old female driver in Hawaii may spend less than $1,500 on auto insurance. While a Connecticut driver aged 19 may have to pay more than $5,500.
American teenagers can expect to pay $2,600 in insurance premiums a year. For young drivers, the average is marginally lower for females and marginally higher for males.
| Average Annual Full Coverage Premium | Average Annual Minimum Coverage Premium | |
| 19-year-old male | $4,308 | $1,332 |
| 19-year-old female | $3,830 | $1,176 |
How Much Is Car Insurance For A 19-Year-Old Female Per Month?
Car insurance rates for a 19-year-old female per month can vary based on numerous factors. The primary considerations are the make and model of the vehicle, the age and gender of the driver, driving history, credit score, and location.
Generally, luxury cars and sports cars will have higher rates. Also, drivers with poor credit or driving histories must pay higher insurance premiums.
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A 19-year-old female driver’s average auto insurance expense is $4,308 or $359 monthly. Where you live in the United States, insurance costs might range from $2,502 to $6,854 annually.
For example, the Toyota Camry costs $3,774 a year in car insurance for female drivers, while the Mazda 3 costs $3,354 and the Honda Accord at $3,844. The table below will show you how much is car insurance for a 19-year-old female yearly and monthly.
Average Car Insurance Cost For 19-Year-Old Female By State in 2022
| State | Per Annum | Per Month |
| Ohio | $2,228 | $186 |
| Virginia | $2,468 | $206 |
| North Carolina | $2,430 | $203 |
| Maine | $2,646 | $221 |
| Hawaii | $2,598 | $217 |
| California | $4,382 | $365 |
| Florida | $5,594 | $466 |
| Michigan | $6,096 | $508 |
| Texas | $3,604 | $300 |
| Minnesota | $3,362 | $280 |
| Illinois | $3,088 | $257 |
| Pennsylvania | $3,218 | $268 |
How Much Is Car Insurance For A 19-Year-Old Male Per Month?
A variety of variables will affect how much vehicle insurance will cost a male driver who is 19 years old. These include the vehicle he drives, his driving history, his residence, and the level of insurance he requires.
This is based on a 2017 study by the Insurance Information Institute. There is a greater risk of accidents among teens, so their rates are higher.
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However, there are ways to save on car insurance for 19-year-olds. You can shop around for the best rates, choose a higher deductible, or get a policy with discounts for good drivers.
A 19-year-old male driver’s average car insurance is $3,830 or $319 monthly. The average cost of auto insurance varies by state, from $2,228 in Ohio to $6,096 in Michigan. Below you will see how much is car insurance for a 19-year-old male.
Average Car Insurance Cost For 19-Year-Old Male By State in 2022
| State | Per Annum | Per Month |
| Ohio | $2,502 | $209 |
| Virginia | $2,778 | $232 |
| North Carolina | $2,732 | $228 |
| Maine | $2,974 | $248 |
| Hawaii | $2,924 | $244 |
| California | $4,928 | $411 |
| Florida | $6,288 | $524 |
| Michigan | $6,854 | $571 |
| Texas | $4,052 | $338 |
| Minnesota | $3,782 | $315 |
| Illinois | $3,472 | $289 |
| Pennsylvania | $3,620 | $302 |
5 Cheapest Car Insurance For 19-Year-Olds in 2022
A provider offering specials and coverage options tailored to teens’ needs can be beneficial. We chose these firms after comparing their normal premiums, coverage breadth, discounts, and third-party ratings.
However, teen insurance premiums continue to be higher than those of other age groups. Selecting a company with low average rates can be quite beneficial for keeping your prices down. But, still it is not easy to estimate how much is car insurance for a 19-year-old.
However, many factors can influence your car insurance price. A rating element that influences premium includes policies, vehicle types, restrictions, and deductibles.
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Additionally, if drivers are 19 years old and practice safe driving, they frequently pay lower premiums. A ticket or an accident in your first year of driving will increase your insurance rates.
| Insurance Company | Average Annual Full Coverage Premium | Average Annual Minimum Coverage Premium |
| Auto-Owners | $3,004 | $900 |
| Erie | $2,601 | $776 |
| Geico | $3,008 | $804 |
| Nationwide | $2,150 | $878 |
| USAA | $2,637 | $777 |
1) Auto-Owners
Choose Auto-Owners for its extensive coverage, numerous savings opportunities, and exceptional customer satisfaction. Customization is extremely important to Auto-Owners since they want to help you save money on your auto insurance.
Motorcycles, RVs, boats, trailers, and ATVs are among the many automobiles that Auto-Owners insure. You can check the table above to know how much is car insurance for a 19-year-old!
Auto-Owners offers discounts on auto insurance, reducing your premium overall. With Auto-Owners, students with a cumulative “B” grade can save up to 20%. A student who attends a school over 100 miles away might save money by leaving their car behind.
2) Erie
Erie offers affordable prices, wide coverage options, and discounts for teen drivers. For instance, the carrier takes care of a roadside emergency with its roadside and rental bundle.
Additionally, only those who change their residence or add a car will see a change with Erie’s Rate Lock feature. Erie also offers a reduction for 19-Year-Old living with their parents. However, AM Best has rated the company’s financial strength as A+.
3) Geico
How much is car insurance for a 19-year-old by Geico? Geico offers a 19-year-old one of the more reasonable insurance options. Geico offers college or high school students insurance with affordable premiums and a range of fantastic discounts.
By switching to GEICO, students might save $100, $150, or even $200 on an auto insurance policy. Benefits of GEICO student auto insurance policies include the following:
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- Discounts, such as a respectable student discount
- Award-winning GEICO mobile app that is simple to use
You can get a good student discount when you maintain a “B” average or higher. If it has been five years since your last collision, you may qualify for a good driver discount.
4) Nationwide
One of the top insurance providers for 19-year-old drivers is Nationwide due to its coverage options. A unique feature of Nationwide’s vehicle coverage is accident forgiveness. However, you might think how much is car insurance for a 19-year-old?
Nationwide’s car insurance costs $2,150 per annum. Additionally, discounts are available for high school and college students who maintain grades of at least a “B.” Nationwide has a good J.D. Power less-than-average claims satisfaction rating.
5) USAA
USAA offers a good student discount that reduces auto insurance rates for students. Drivers between the ages of 16 and 25 pay over 80% extra for their car insurance. Companies charge inexperienced drivers high insurance rates, so discounts help them.
Firms pose teenagers and students as high-risk drivers. According to statistics, there are more accidents when a driver lacks experience. Fortunately, USAA will provide discounts if you maintain a high grade point average.
Suppose you’re thinking about getting car insurance for your 19-year-old! You must think, how much is car insurance for a 19-year-old? Although a 19-year-old poses a higher risk, USAA still provides a great deal and many discounts you can steal.
6 Tips To Save On Full Coverage Car Insurance For 19-Year-Olds in 2022
Car insurance premiums for 17-year-old drivers are quite high. There are ways to reduce your monthly price. Adding young drivers to a family plan may save you approximately $500 a year, regardless of the plan.
Below, we’ll discuss how you can save money on car insurance. Therefore, consider these factors before you buy car insurance for your 17-year-old.
A) Shop Around
Each insurance company has different rates. And it is especially significant when it comes to teenage boys or girls. Choosing one guarantor over another might save a huge amount for a whole year.
Meanwhile, the cheapest insurance policies for 19-year-old drivers will vary depending on where you live. Gather documents from a few insurers to ensure you’re paying as little as possible.
B) Find Discounts
To balance the high cost of protection for 19-year-olds, many insurance companies offer a variety of limits tailored specifically for young drivers. Here are a few examples of common derivations to be aware of.
- Good Grades
You can experience a fall in rates if you’re a full-time high school or undergrad with a specified GPA (often a “B” or greater).
- Driving Tracker
In many cases, you’ll be able to lower your premiums with telematics driving trackers. For example, you can demonstrate that you don’t make sudden starts or stops. Track your habits with an application that plugs into your vehicle’s auxiliary port.
- Driving Class
19-year-old drivers are likely to have just completed their driver’s education. New York state offers a 10% reduction on car insurance premiums if you complete a driver’s education course.
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- Students Away From Home
This discount is more common among understudies than among 19-year-old high schoolers. You could qualify for a rate reduction if you don’t have a car and travel more than 100 miles for school.
- Pay-in-Full
Most insurers will discount your vehicle insurance if you pay for it all at once rather than in monthly installments.
C) Drop Comprehensive & Collision Coverage
The easiest option for children to reduce their insurance costs is to reduce their coverage. A vehicle’s whole and damage coverage, which pay for its upkeep, are most often overlooked regarding vehicle protection.
Insurance will cover you if you get into a collision and no other party is to blame. Extensive inclusion compensates for damage caused by a different type of impact, such as vandalism or robbery.
The two features are optional except if you have a car advance or rent. Reducing far-reaching and effective inclusion is often better when your car is older and less valuable.
The cost of replacing your car is typically not the same as the cost of inclusion. However, if you can fix or replace your vehicle without these extras, you should probably skip them.
D) Car’s Make & Model
The car type or model influences the car insurance rates. For example, A teenager with an off-road truck is likely to have higher insurance prices than a modest, affordable sedan.
It’s a general rule that a car or vehicle with a higher MSRP (e.g., luxury cars or sports cars) will have higher insurance. It is because if you get into a fatal crash by any chance, companies will have to pay a larger amount.
So if you’re searching for a vehicle for your teenager, you should go for a sedan or a used vehicle to minimize the insurance rate.
E) Adding Teenagers To An Existing Policy
When a 19-year-old gets her driver’s license, you are often required to add them to your auto insurance. The law demands it in a few regions, and many insurance companies also need it. The auto insurance firm makes a wise decision to ensure everyone’s protection.
Once a teenager has their driver’s license, you usually need to add them to a family plan. Suppose a 19-year-old boy or girl hasn’t finished their permit exam. In that case, you can’t register them to an existing policy.
A 19-year-old can reduce his premium expense by up to 45% by getting added to an existing premium insurance plan. It is better to save your precious savings than go for an individual car insurance plan.
Frequently Asked Questions ( FAQ )
What Is The Cheapest Car Insurance For 19-Year-Olds?
The two companies with the lowest average premiums for 19-year-olds are Auto-Owners and USAA. Both insurers provide coverage across the country. Despite this, USAA covers only active-duty and retired military families.
However, there are numerous possibilities for low-cost auto insurance. Finding which insurers give the best rate for your driver profile can be done by comparing quotes from other businesses.
When Should I Get Off My Parent’s Car Insurance Policy?
Usually, you have the choice of continuing to be covered by your parent’s auto insurance policy. However, if you own your car, you might need a different policy. As a teenager, you may find that getting your motor insurance is more expensive.
Additionally, your monthly premium may be affected by vehicle type and mileage factors. Some states do not use ZIP codes to determine vehicle insurance rates.
How To Get Cheap Insurance At 19?
Shopping around is the most crucial tactic for locating affordable insurance for a 19-year-old. Insurers price customers based on several variables. Additionally, the insurance provider may offer the best value for you might not be the same as your friend.
Young drivers can save money while shopping by remaining on their parent’s insurance plans. Also, you can attempt to take advantage of all reductions offered.
Why Is Car Insurance For 19-Year-Old Men So Expensive?
Male drivers aged 19 often pay a higher premium for auto insurance than females. This is due to males’ statistically higher likelihood of speeding and collisions. As they age, male drivers’ insurance costs gradually match those of female drivers more closely.
How Much Does It Cost To Add A Teenager To Car Insurance?
The average annual cost to add a youngster to your auto insurance policy is $1,461, a 173 percent increase. The precise cost will increase based on location, driving record, and credit score.
A teen can be covered most affordably by being added to your policy and driving the family car with you. The cost of adding a teen driver and a new car to your coverage would increase. Getting a new automobile necessitates more coverage, which is more expensive.
What Kind Of Car Should A Teenager Drive?
The cost of insurance is significantly influenced by the vehicle your teen drives.
Some cars are less expensive to insure than others due to accident statistics. Such as the cost of replacement components and labor and available safety measures.
Most insurance experts advise comparing insurance quotes for the vehicle before you buy it. This will prevent any surprises when you add an adolescent to your policy. Moreover, you’ll know how much a particular car will cost your teen.
Final Thoughts
It can be challenging and costly to raise a teen driver. It could be tempting to get their policy to foster independence in them. However, you can significantly reduce your costs by putting your teen in your auto insurance coverage.
In addition, the question “how much is car insurance for a 19-year-old” comes up when purchasing auto insurance. It will probably cost more than your current policy, though. Because of this, including them in your coverage will enable you to save money.
Make sure you set a positive example for other people. In other words, avoid texting and driving and alert other motorists to the risks. Ensure your kids adhere to GDL regulations and set a good example when driving.
