Published: June 3, 2022Updated: August 15, 2022

Cost of Auto Insurance for 19-Year-Olds

How much can you expect to pay for coverage?

Whether you are thinking of getting your teen their own policy or adding them to your own, you should look into all the factors that could affect the cost of insurance for 19-year-olds. Trying to find the cheapest insurance option for your teen, the best coverage options, or something in between? We’ve gathered all that information here.

How Much Is Car Insurance for 19-Year-Olds?

Throughout the United States, the average annual auto insurance cost is around $2,758.33 for 19-year-old drivers. Many different factors affect car insurance rates, including gender, location, type of vehicle, and insurance company.

Average Cost of Car Insurance for 19-Year-Olds by Gender

Not all states allow providers to make pricing decisions about insurance premiums based on gender. Gender-ban states include Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania, and California.1 In the states that allow providers to consider gender when deciding on rates, men often pay more than women, especially if the driver is under the age of 25.

How Much Does ZIP Code Impact Insurance for 19-Year-Olds?

Location is often a major factor in the cost of auto insurance. Insurance cost differs by state as well as by region. For example, suburban drivers will have a different rate than urban drivers.

In 2018, the most expensive average liability premium in the United States was in Louisiana, at $1,015.36 across all ages. The cheapest liability average premium was in North Dakota, at $307.97. Remember that if you move states, that could affect your minimum liability requirements.

If you want to move to a location that lowers your auto insurance costs, look into the weather, theft rates, road conditions, traffic density, and population density. Urban drivers often pay more because there are higher rates of theft, collisions, and vandalism in cities.

Why Is Car Insurance More Expensive for Younger Drivers?

Car insurance is more expensive for younger drivers because teens have crash rates close to four times those of drivers ages 20 and older, per mile driven. These crashes are often the result of age and inexperience. The Insurance Institute for Highway Safety states that driver error, speeding, single-vehicle crashes, passengers, and night driving were among the most cited reasons for teen collisions. Thankfully, premiums often decrease after the driver turns 25.

How to Get the Cheapest Car Insurance for 19-Year-Olds

  1. Find the minimum insurance requirement for your state in our state-by-state insurance guide.
  2. Raise your deductible to ensure lower monthly payments. Keep in mind that this means you will have a higher out-of-pocket payment in the event of a collision or non-collision event like thefts or vandalism.
  3. Check out discounts for teen drivers from different car insurance companies. We have seen discounts for being a good student, taking safe driving courses, and having low mileage. You can significantly lower your car insurance rates through these discounts.

What Other Factors Affect the Average Rate?

Company

When shopping for insurance for a 19-year-old, compare auto insurance rates from multiple companies. Every company offers different price and coverage options.

TIP

When researching companies, make sure they offer discounts for teen drivers, such as for getting good grades or taking defensive driving courses.

Vehicle

Look into each vehicle’s safety ratings by reading customer reviews2 and industry safety ratings3 before purchasing. Safer vehicles could mean lower insurance costs, while less safe vehicles could mean higher insurance costs. Find out how susceptible the vehicle is to damage, occupant injury, and theft. Not only will researching save you money in the event of a collision or theft, but it will also ensure your safety.

Consider the type of vehicle as well. According to the American Automobile Association (AAA), small sedans are the most expensive type of vehicle to insure, followed by large sedans and medium sedans. Electric, hybrid, SUVs, and minivans are less expensive.4

Other vehicle-related factors that may affect your teen’s insurance rates include the cost of auto repairs and owning a car versus leasing one. Insurance rates for leasing a car are often more expensive than insurance for owning a car due to increased insurance requirements on leases. Leased car insurance requirements differ by state and company, but they often include collision and comprehensive coverage, plus gap insurance.

Credit

California, Hawaii, Michigan, and Massachusetts do not allow companies to use credit score when determining premiums. The other 46 states do. Bad credit may result in higher insurance costs, while good credit could result in lower insurance costs. If your teen does not have a credit score, we recommend putting them on your plan so they can benefit from your credit score and history.

Driving Record

Your driving record also holds significant weight in regard to the cost of your insurance premiums. Causing an accident, having a DUI, or getting a ticket will raise your insurance rates. These events will stay on your record for a specific period of time, depending on your state’s guidelines.

How Often or How Far You Drive

If you use your car for business or long-distance commuting, your insurance rates will be higher. You can expect to pay less if you are taking public transportation or if you have a shorter commute.

TIP

If your teen is a college student living more than 100 miles away from their vehicle, they may qualify for a distant student discount. AAA, Allstate, American Family, Amica, Clearcover, Erie, Farmers, Kemper, Liberty Mutual, Mercury, Plymouth Rock, Progressive, Safeco, State Farm, and Travelers all offer a distant student discount.

Is It Cheaper for My Teen to Get Their Own Policy?

It is usually cheaper to add a teen to an adult policy than to have a teen buy their own policy. This is because teens often have lower credit scores and shorter driving histories, and may not qualify for typical discounts such as insuring multiple vehicles, bundling, or loyalty.

Do 19-Year-Olds Need Full Coverage?

No, 19-year-old drivers do not need full coverage, although we recommend it. Drivers are only required to hold the minimum insurance requirements in their state. Although your state’s minimum coverage is the cheapest option, younger drivers are statistically more likely to get in an accident than other drivers, which is why full coverage is best.

Full coverage includes collision and comprehensive coverage. Collision covers the cost of your damaged or destroyed vehicle in the event of a collision, regardless of who is at fault. Comprehensive coverage covers the cost of damages that are not a result of a collision, such as theft, vandalism, or weather-related damage. Full coverage is the best option for paying the least amount out of pocket in the event of damage.

Best Cars for 19-Year-Olds

When buying a car for a teen driver, research the safety features, insurance rates, and reviews before making a purchase.

What to Look for When Shopping

When shopping for a teen driver, look into cars with the following features:

  • A good or acceptable rating with the Insurance Institute for Highway Safety (https://www.iihs.org/ratings/top-safety-picks)
  • Electronic stability control
  • Four or five stars in the safety rating from the National Highway Traffic Safety Administration5

Recommended Cars

To give you an idea of what cars fit these requirements, here are some cars that are a good fit for teen drivers:

  • Mazda 3 Sedan or Hatchback 2014, or newer
  • Hyundai Elantra GT 2018 or newer
  • Subaru Crosstrek 2017 or newer
  • Honda Insight 2019 or newer
  • Toyota Corolla Hatchback 2019, or newer
  • Kia Niro 2019
  • Subaru Impreza 2019
  • Subaru Legacy 2013 or newer
  • Mazda 6 2014 or newer
  • Lincoln MKZ 2013, 2016, 2018, or newer
  • Ford Taurus 2014
  • Hyundai Genesis 20166

Conclusion

If you have further questions about getting your 19-year-old the best insurance coverage for their situation, check out some of our most commonly asked questions about auto insurance.

Frequently Asked Questions

Monthly, 19-year-olds can expect to pay around $229.86 for car insurance. The exact cost depends on a handful of factors, such as their location, whether they have their own plan or are on their parents’ plan, and what type of car they have.

Although college students have the same rates as other 19-year-old drivers at an average of $2,758.33 annually, they can take advantage of good student discounts, usage-based car insurance, or distant student discounts.

We’ve seen annual rates for Florida 19-year-olds as low as $2,116 and as high as $6,370.

Car insurance is more expensive for drivers under 25, but not for drivers 25 and older. This is because young drivers are more likely to get into collisions, speed, drive distracted, not wear seatbelts, or get tickets. After age 25, young drivers’ premiums could decrease depending on your driving record and location. Older drivers have more driving experience and thus pay a lower average cost than younger drivers do.

Citations

  1. Gender can no longer be used to calculate auto insurance rates in California and other states. The Washington Post. (2019, Feb 11).
    https://www.washingtonpost.com/transportation/2019/02/11/gender-can-no-longer-be-used-calculate-auto-insurance-rates-california-other-states/

  2. Car reviews & ratings. Cars.com. (2022).
    https://www.cars.com/reviews/

  3. Vehicle ratings. Insurance Institute for Highway Safety (IIHS). (2022).
    https://www.iihs.org/ratings

  4. YOUR DRIVING COSTS. AAA. (2020).
    https://newsroom.aaa.com/wp-content/uploads/2020/12/2020-Your-Driving-Costs-Brochure-Interactive-FINAL-12-9-20.pdf

  5. Ratings. National Highway Traffic Safety Administration. (2022).
    https://www.nhtsa.gov/ratings

  6. Best Cars for Teens and New Drivers. CarMax. (2021, Jun 27).
    https://www.carmax.com/articles/best-cars-for-teens