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.