Understanding Car Insurance for 19-Year-Olds

September 19, 2023

The cost of car insurance for 19-year-olds depends on various factors. Young drivers can’t add extra miles of driving experience. But they can change their driving habits, reduce the cost of coverage and choose the most affordable insurance policy.

How Much Is Auto Insurance for a 19-Year-Old?

According to the latest data provided by Car Insurance 101, nineteen-year-olds, on average, pay $431 per month or $5,177 per year for auto insurance.

But the average price doesn’t mean that is your price. Find the option that is suitable for you.

Our guide will help you:

  • analyze the typical costs of car insurance for 19-year-olds
  • identify the main factors that influence auto insurance for 19-year-olds
  • find a reasonable solution to reduce your insurance premiums

Continue reading about auto insurance for 19-year-olds to learn more.

Cheapest Car Insurance for 19-Year-Olds by State

The recent analysis states that the national average auto insurance is higher than car insurance for 19-year-olds in some states. The latter is cheaper than $309 per month in certain locations. North Carolina, for example, has the cheapest car insurance for 19-year-old drivers. The average monthly cost of insurance coverage there is about $139.

Here are the ten states that have the cheapest average cost of car insurance for 19-year-olds:

State Estimated Cost per Year Estimated Cost per Month
North Carolina $1,668 $139
Hawaii $1,845 $154
Ohio $2,234 $186
Idaho $2,379 $198
Iowa $2,423 $202
Maine $2,485 $207
Virginia $2,553 $213
North Dakota $2,653 $221
Vermont $2,666 $222
Indiana $2,710 $226

However, certain states have much higher average car insurance rates than the national average costs of auto insurance for 19-year-olds. Among the most expensive, we can see the next regions:

States Estimated Cost per Year Estimated Cost per Month
Michigan $7,810.42 $650.87
Louisiana $5,997.36 $499.78
Connecticut $7,539.94 $628.33
Montana $4,458.67 $371.56
Florida $6,137.83 $511.49
Delaware $5,095.95 $424.66
Massachusetts $5,630.49 $469.21
Rhode Island $4,628.11 $385.68
New York $5,059.42 $421.62
Nevada $4,717.48 $393.12

In any case, shop around for the cheapest car insurance for 19-year-olds among national and local providers.

How Much Is Car Insurance for a 19-Year-Old Male?

On average 19-year-old males pay $4,132 for their own full insurance coverage. Meanwhile, women pay $516 less than compared with men. Insurance statistics say that young males are prone to get into car accidents more often than young females. So women pay lower premiums.

You can observe the costs of car insurance for 19-year-old males (comparison with or without inclusion in the parent’s policy) in the table below.

The Average Cost of Auto Insurance for a 19-Year-Old Male

States Male Teen Policy Parent Policy Parent’s Policy With a Teen Male
Alaska $3,413 $1,236 $2,288
Georgia $4,667 $1,638 $2,986
Massachusetts $3,888 $1,741 $2,785
Alabama $3,840 $1,522 $2,610
Arkansas $4,076 $1,587 $2,881
Maine $3,197 $988 $2,151
Delaware $6,249 $1,707 $2,885
Arizona $4,248 $1,649 $3,191
California $4,002 $2,043 $3,508
Florida $6,201 $3,015 $5,150
Colorado $4,560 $2,166 $3,476
Connecticut $5,107 $1,436 $2,444
Washington, D.C. $4,868 $1,877 $3,278
Indiana $2,960 $1,283 $2,113
North Carolina $1,743 $1,417 $1,831
Hawaii $1,330 $1,282 $1,338
Tennessee $3,577 $1,250 $2,379
Iowa $2,982 $1,156 $1,933
Idaho $3,054 $1,012 $1,849
Illinois $4,482 $1,474 $2,913
New Jersey $4,626 $2,199 $3,943
Kansas $3,662 $1,477 $2,487
Kentucky $5,379 $1,944 $3,395
Louisiana $6,474 $2,969 $5,916
Nevada $4,939 $2,327 $4,017
Maryland $4,958 $2,076 $3,949
Utah $3,912 $1,824 $3,309
Michigan $4,874 $3,945 $6,338
Minnesota $3,506 $1,667 $2,691
Missouri $5,461 $2,374 $4,405
Mississippi $4,182 $1,448 $2,553
Montana $3,978 $1,670 $2,701
North Dakota $3,393 $1,258 $2,129
Nebraska $4,539 $1,845 $3,077
New Hampshire $3,679 $982 $1,875
Washington $3,723 $1,462 $2,557
New Mexico $3,369 $1,649 $2,850
Wisconsin $3,754 $1,712 $3,456
New York $4,513 $1,832 $3,237
Ohio $2,687 $1,082 $1,982
Oklahoma $4,412 $1,954 $3,695
Oregon $3,093 $1,440 $2,454
Pennsylvania $3,904 $1,418 $2,499
Rhode Island $5,246 $1,786 $3,551
South Carolina $4,635 $1,671 $3,161
South Dakota $3,518 $1,523 $2,415
Wyoming $4,213 $1,730 $2,980
Texas $5,108 $1,880 $3,761
West Virginia $4,600 $1,417 $2,845
Virginia $3,479 $1,210 $2,558
Vermont $3,121 $1,074 $2,069

Cheapest Auto Insurance for 19-Year-Old Male

The cheapest auto insurance monthly premiums for young men are offered by USAA ($228), State Farm ($316), and Progressive ($383). Note that USAA is eligible for military and family members only.

So what is the best car insurance for a 19-year-old male? Find a balance between the cheapest variant (i.e., liability-only insurance) and reasonable protection. What kind of difference it may be?

The Average Cost of Car Insurance for a 19-Year-Old Male per Month

Male with a 19-year-old teen policy National average cost per month
Liability-only coverage $120
Full coverage $324

How Much Is Insurance for a 19-Year-Old Female?

The average cost of car insurance for a 19-year-old female is $3,615 per year on their own policy. Teen women drivers aged 19 pay $517 less than men their age.

You can see the average cost of car insurance for females aged 19 and its comparison with the price of parent policy with the teen added on in each state below.

The Average Cost of Car Insurance for 19-Year-Old Females by State

States Female Teen Policy Parent Policy Parent’s Policy With a Teen Female
Delaware $4,951 $1,707 $2,657
California $4,002 $2,043 $3,508
Arkansas $3,456 $1,587 $2,601
Washington, D.C. $3,646 $1,877 $2,817
Arizona $3,665 $1,649 $2,866
Florida $5,621 $3,015 $4,884
Colorado $3,963 $2,166 $3,253
South Carolina $4,157 $1,671 $3,009
Connecticut $4,366 $1,436 $2,221
Indiana $2,634 $1,283 $1,978
Alaska $2,861 $1,236 $2,078
Delaware $4,951 $1,707 $2,657
Wyoming $3,177 $1,730 $2,504
Minnesota $2,898 $1,667 $2,592
West Virginia $3,791 $1,417 $2,420
Georgia $3,772 $1,638 $2,677
Hawaii $1,330 $1,282 $1,338
Michigan $4,874 $3,945 $6,338
Idaho $2,578 $1,012 $1,671
Alabama $3,330 $1,522 $2,390
Illinois $3,673 $1,474 $2,521
Texas $4,260 $1,880 $3,324
Kansas $3,175 $1,477 $2,289
Kentucky $4,606 $1,944 $3,114
Iowa $2,627 $1,156 $1,797
Louisiana $5,538 $2,969 $5,210
Massachusetts $3,888 $1,741 $2,785
Maryland $3,908 $2,076 $3,330
Maine $2,586 $988 $1,772
North Dakota $2,839 $1,258 $1,919
Rhode Island $4,357 $1,786 $3,219
Missouri $4,594 $2,374 $3,789
Mississippi $3,544 $1,448 $2,322
Montana $3,978 $1,670 $2,701
North Carolina $1,743 $1,417 $1,831
Vermont $2,604 $1,074 $1,864
Nebraska $3,828 $1,845 $2,839
New Hampshire $3,109 $982 $1,716
New Jersey $3,970 $2,199 $3,481
New Mexico $2,968 $1,649 $2,613
Nevada $4,407 $2,327 $3,728
New York $3,650 $1,832 $2,754
Wisconsin $3,189 $1,712 $3,056
Ohio $2,335 $1,082 $1,804
Oklahoma $3,654 $1,954 $3,147
Utah $3,363 $1,824 $3,045
Oregon $2,831 $1,440 $2,306
Pennsylvania $3,904 $1,418 $2,499
South Dakota $2,891 $1,523 $2,162
Tennessee $3,034 $1,250 $2,131
Virginia $2,933 $1,210 $2,264
Washington $3,320 $1,462 $2,440

How Much Is Car Insurance for a 19-Year-Old Female per Month?

Car insurance rates for a 19-year-old female are cheaper than for a male because women are considered safer drivers than men. The table below shows the average cost of car insurance for 19-year-old females per month: liability only and full insurance coverage. Note that they have their own insurance policy.

The Average Cost of Car Insurance for a 19-Year-Old Female per Month

A 19-year-old female with teen policy National average cost per month
Liability-only coverage $109
Full coverage $283

The Average Cost of Auto Insurance for 19-Year-Old Male and Female Drivers

Let’s see in detail how car insurance rates for 19-year-olds are higher for men than for women. There’s a small difference in monthly rates results in a significant no difference in annual rates, as shown in the table below.

Gender Cost per Month Cost per Year
Female $298 $3,571
Male $339 $4,068
Difference $41 $496

According to the data shown above, the monthly cost of car insurance for a 19-year-old female driver is less than $41 than for a male driver. It means a $496 annual difference.

Some states don’t allow to set borders between genders. We can see California, Hawaii, Massachusetts, Michigan, and Pennsylvania among such states. The cost of car insurance for 19-year-olds in those states doesn’t depend on gender.

Why Auto Insurance for 19-Year-Olds Is So Expensive?

Young drivers don’t have much driving experience than older drivers. So statistically, the number of accidents per 100 million miles is much higher for these drivers. Although 16- and 17 years old drivers have even less experience, 19-year-olds are still on the high-risk drivers’ list.

According to AAA Foundation for Traffic Safety, 19-year-olds and 18-year-olds are twice as likely to get into an auto accident as drivers in their 30s, 40s, and 50s in 2015. The table below shows a whopping number of crashes for younger drivers compared with older ones.

Age Group Crashes per 100 Million Miles Driven
16-17 1,432
18-19 730
20-24 572
25-29 526
30-39 328
40-49 314
50-59 315
60-69 241
70-79 301
80+ 432

Another driving data analysis shows that 19-year-olds have the highest rate of death accidents per capita per annual miles driver. Even 16 and 17-year-old and senior drivers have lower rates. The graph that describes that goes below.

Car insurance companies use statistical information to determine the costs of car insurance for 19-year-olds. According to gather information, they increase rates for young drivers. The average cost of car insurance for different age groups is described below.

What Factors Impact Costs of Car Insurance for 19-Year-Old Drivers?

Let’s examine the primary factors influencing car insurance costs for 19-year-olds below.

Gender

The car insurance company determines auto insurance rates according to the claims paid. Teenage male drivers tend to be more risky because they often become participants in car collisions. Female drivers have better statistics. So male drivers’ insurance premiums are higher than female ones. Your car insurance costs will rise in any case if you receive a speeding ticket or file an insurance claim.

Age

For insurance companies, teen drivers mean inexperienced drivers. So if parents add a teenager to their insurance policy, their insurance costs will rise dramatically (compared with adding adult drivers). As a 19-year-old, you can’t avoid it, but you can reduce its impact.

Type of Car

If you add collision car insurance, you can file claims because of property damage to your car after car crashes. If you carry comprehensive insurance, you can request reimbursement because of car theft, vandalism, falling objects, hail, hurricane, and similar events. In those two cases, you need to repair your car. If your vehicle is too expensive to replace or repair, you will see an increase in your insurance premiums.

Location

The cause of claims in your area influences your cost of car insurance. Factors connected with location can be as follows:

  • Auto accidents frequency
  • Car theft and vandalism claims frequency
  • The number of weather and disaster claims (i.e., hail, floods, and hurricanes)
  • The cost of auto repairs, including labor and spare parts.
  • Medical care costs impact how much the insurance company needs to pay for injury claims.

What Discounts Are Available for 19-Year-Olds?

Car insurance for 19-year-old is risky for the insurance company. So you won’t see plenty of discounts for teenagers. But you can find some to save more.

Student Away-From-Home Discount

A 19-year-old going to college away from home may pick up a discount. According to Forbes, this teen category can have a discount of 8%.

To qualify for this discount, a teenager needs to fit certain requirements. Among them, we can include:

  • The student can drive the vehicle only during holidays and vacations. The auto stays at home most of the time while the teen is at school.
  • The student lives at a school campus more than 100 miles from home.

Discounts for Good Students

Inform your car insurance company that you are eligible for this discount. It may not know about it. Forbes Advisor’s analysts claim that this discount saves the student around 4%.

Usually, students need to go to school, have good grades and be a certain age to be eligible for this discount. For an insurance company, anything listed below matters:

  • GPA 3.0 or better
  • On Honor Roll, the Dean’s List, or a comparable listing
  • A grade average of B and better
  • Students are in the upper 20% of their class.
  • Students are among the upper 20% of ACT or SAT (a national standardized test) within the past 12 months.

A Driver Training Class Discount

A teen can pass a driver training program. The cost of car insurance for 19-year-old may decrease after finishing this course. But before you start this program, apply to your insurer to approve it as a discount.

Other Discounts for 19-year-olds

Young people may apply to car insurance companies for other discounts.

The auto-pay discount reduces car insurance for 19-year-olds if the insurance company eliminates some of its administrative costs. An accident-free discount comes into play when you have no accidents on the road during a certain time. A paperless discount decreases car insurance for 19-year-olds if all communication with an insurer goes through online services.

Pay in full is similar to an auto-pay discount. If you pay an annual sum at once, an insurance company offers such a discount because such payments reduce insurers’ costs and increase revenue.

How To Obtain the Cheapest Car Insurance for a 19-Year-Old

Lowering the cost of car insurance for 19-year-olds is a challenging task. But you can still find several options to reduce insurance premiums. So how to get cheap car insurance at 19? Here are some tips for you below.

Compare Insurance Quotes

Request insurance rates from different car insurance companies to choose the best fit for you. The primary criteria for you can be costs of car insurance coverage, customer service, innovations, a set of discounts, and other measures, which are important for you. If you are for customer service, check out J.D. Power Insurance Study. If you are tech-savvy, test different mobile apps or applications from several companies.

Keep a Clean Driving Record

Car insurance for 19-year-olds can maintain at a normal level only if teens keep their driving records clean. Insurance companies pay great attention to this factor. Some technologically advanced companies use telematics to study your driving habits. If the results of driving tests in pre-installed applications satisfy insurers, your insurance premiums won’t increase.

But if young drivers receive speeding tickets or become participants in auto crashes, car insurance for 19-year-old will rise dramatically.

Choose Usage-Based Auto Insurance for 19-Year-Olds

Students who live far away from home and reside on campus may seek usage-based insurance, especially if they drive only a few miles per week. These low mileage programs can substantially reduce car insurance for 19-year-olds.

The main factors that influence the amount of coverage according to this program can be as follows:

  • The type of your vehicle
  • How fast do you drive
  • How long do you drive
  • How far do you drive
  • Your driving habits

Do your research on car insurance for 19-year-old college students. Choose the relevant variant for you.

Drive an Older or Safer Car

Newer cars are more costly to replace. The older vehicles are less expensive to repair. Then the car insurance for 19-year-olds will be cheaper with older cars. But with much older cars, you can experience frequent mechanical breakdowns.

However, some new autos may have several features that lead to secure driving. Less likelihood of auto accidents can lead to lower insurance premiums. A vehicle with a decent car crash rating can protect you and your passengers from injuries and lower your insurance premiums.

Sport utility vehicle (SUV) is also a source of high speed on the road. So car insurance for a 19-year-old who drives this car is enormous. It is better to choose the sedan to lower the risk of car crashes and reduce insurance premiums.

If you still want the SUV, learn more about high-risk auto insurance.

Benefit From Discounts

Ask your insurance agent about discounts you are eligible for and how they can reduce your car insurance rate. Insurance companies may have certain requirements for you to qualify for them. Discover more about teenage discounts here.

Seek a High Deductible

If you increase your deductible, you will decrease your car insurance premiums. A deductible is a sum you pay on your own when a car collision happens. The amount of deductible should be comfortable. In the case of a car crash, you need to pay an affordable sum. Know more about specific types of deductibles that may help you here.

Learn other hints on how to save money on auto insurance for 19-year-olds and older in this article.

Summary

Costs of car insurance for 19-year-old depend on such factors as gender, state, driving habits, type of your car, and other factors. The best way for you is to show that you are an impeccable driver and apply for eligible discounts. Then you can reduce insurance premiums.
Ask your insurance agent how to find the cheapest option for you. Information on how to choose the right car insurance in 2023 observe here.

Frequently Asked Questions

How much does it cost to add a 19-year-old to your car insurance?

If parents add a 19-year-old driver to their car insurance policy, it will be much cheaper for a teenager. Own policy will be much more costly for young people to carry.

Teenage drivers have minimal driving experience. In contrast, parents have significantly more driving history, which can lower car insurance rates overall. Plus, parents are eligible for more discounts like multi-policy and loyalty discounts.

If parents add a young person to their car insurance policy, it will cost them around $900 annually. But if you add a teenager with a bad driving record, it will significantly increase this amount.

Is auto insurance for 19-year-olds more expensive for males than for females?

Car insurance for 19-year-old is much more expensive for men than for women of the same age. Generally, insurance rates are higher, more than $496 annually for males than females. The costs may vary depending on the auto insurance company.

Can a 19-year-old get their own car insurance?

Yes, young people may carry car insurance for 19-year-old on their own. If you are 18 and lower, you need to be at your parent’s policy. But for 19-year-olds, it will make sense only if they live independently, have a car registered in their name, or have their vehicle.

Victoria Berezhetska

Victoria Berezhetska is a Content Lead at Phonexa.com and an expert contributor to CoverExplore. She has a Bachelor of Science degree in Business Administration, with extensive working experience as a PR specialist and content writer. At CoverExplore, she helps customers find the right educational material through easily digestible blog posts and buying guides backing their insurance coverage choice. Victoria covers diverse topics around digital and insurance marketing, including auto, home, health, and life insurance.

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