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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.
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.
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.
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.
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.
When shopping for insurance for a 19-year-old, compare auto insurance rates from multiple companies. Every company offers different price and coverage options.
When researching companies, make sure they offer discounts for teen drivers, such as for getting good grades or taking defensive driving courses.
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.
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.
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.
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.
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.
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.
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.
When buying a car for a teen driver, research the safety features, insurance rates, and reviews before making a purchase.
When shopping for a teen driver, look into cars with the following features:
To give you an idea of what cars fit these requirements, here are some cars that are a good fit for teen drivers:
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.
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.
Gender can no longer be used to calculate auto insurance rates in California and other states. The Washington Post. (2019, Feb 11).
Car reviews & ratings. Cars.com. (2022).
Vehicle ratings. Insurance Institute for Highway Safety (IIHS). (2022).
YOUR DRIVING COSTS. AAA. (2020).
Ratings. National Highway Traffic Safety Administration. (2022).
Best Cars for Teens and New Drivers. CarMax. (2021, Jun 27).