Cost of Car Insurance for 19-Year-Olds in 2022 | QuoteWizard

Nineteen-year-old drivers pay an average of $ 3,571 a class for car indemnity, or $ 298 a calendar month. While rates for 19-year-olds are normally not a expensive as those for younger drivers, they even see much higher rates in comparison to the national average. key factors that affect your concluding rate include whether or not you ‘re on a rear ‘s car policy policy, your gender and your driving history .

How much do 19-year-olds pay for car insurance?

The modal cable car insurance rate for 19-year-old drivers is $ 3,571 a class, or $ 298 a calendar month, for a wax coverage policy. This average premium is well higher than the average national car insurance rate of $ 1,255 a class for full moon coverage .
Teenagers in general give much higher car insurance rates than older drivers. While 19- year-old drivers pay less for coverage than younger drivers, their rates can still be thousands of dollars more than what older drivers pay. The reason for these higher car indemnity costs largely comes down to the fact that insurers consider young drivers to be one of the highest-risk groups to cover .
adolescent drivers as a unharmed are considered inexperienced behind the wheel and more prone to getting into accidents. According to the CDC, cable car crashes in 2018 involving young people between the ages of 13 and 19 resulted in around $ 11.8 billion in medical and work loss costs. In order to offset their own costs for covering a bad group, car indemnity providers typically charge higher premiums.

average car insurance rates besides vary between unseasoned men and women. Our research shows that 19-year-old male drivers may pay an average of 31 % more than female drivers of the same historic period. The table below shows the rates of 10 major car insurance companies for 19-year-old men and women .

Average monthly car insurance rates for 19-year-old women vs. men
Company 19-year-old female 19-year-old male % difference
Allstate $335 $420 25%
American Family $236 $334 42%
Auto-Owners $215 $266 24%
Erie $159 $184 16%
GEICO $264 $342 30%
Nationwide $360 $430 19%
Progressive $313 $361 15%
Travelers $265 $315 19%
State Farm $169 $214 27%
USAA $200 $212 6%
Average $252 $329 31%
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The key reason for this price difference ? Studies show that young men tend to be riskier drivers than young women. We found that car insurance costs normally decrease at old age 25, then even out until you hit 60 years old .

How to get cheap car insurance for 19-year-olds

The most impactful way for a 19-year-old driver to lower their car indemnity costs is to join a parent ‘s policy. Teenagers, in general, save a considerable total of money by getting on their rear ‘s car insurance, as the following graph shows .


Combining your car indemnity with your parents ‘ policy has pros and cons. The biggest benefit is the reduction of the overall cost of your annual bounty. The potential downside is that if either you or your parents file a claim, all of your premiums will increase. besides, you can expect higher rates if you have accidents on your driving history when you buy your own policy.

When looking for your cheapest car insurance rate, make certain to compare quotes from multiple companies for both individual and combined rates. Being able to look at both types of quotes side by side will give you an excellent overview of coverage offerings and price, and help you get your best car policy .

Car insurance is expensive for a 19-year-old. But we can help make it cheaper!

Compare quotes to find low-cost rates .
There are many discounts available to 19-year-old drivers that can help reduce your car policy costs. These include :

  • Good student discount: If you keep an average 3.0 GPA, many car insurance providers offer a good student discount that may save you up to 25% off your annual rate.
  • Defensive driving discount: Completing a defensive driving program certified by your auto insurance company can save you money on your annual premium. For example, State Farm offers a discount of 10% to 15% for completing such a course.
  • Bundle your policies: If you have a renters insurance policy, you may be able to bundle it with an auto insurance policy and save money on both.

Another adept way to reduce your car policy costs is to raise your deductible. Raising your deductible lowers your annual premium. american samoa long as you maintain a safe drive history, you may save a bang-up distribute of cash in the long run .

Best car insurance companies for 19-year-olds

When looking at your best option for car insurance, you ‘ll want to weigh price, coverage and customer satisfaction. J.D. Power compiles an annual customer satisfaction sketch that indicates how well an car insurance company meets customer expectations, based on a scale of zero to 1,000. The table below shows the average price of car policy from 11 major providers, along with their J.D. Power ratings.

Average monthly rate and customer satisfaction rating by company
Company Average rate for 19-year-old driver J.D. Power 2020 customer satisfaction rating
Allstate $378 876
American Family $285 862
Auto-Owners $241 890
Erie $171 880
GEICO $303 871
Mercury $584 849
Nationwide $395 876
Progressive $337 856
Travelers $290 861
State Farm $192 881
USAA $206 890
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

It should be noted that while USAA has one of the better combinations of low premium cost and customer atonement, it merely provides car insurance to active military members, veterans and their families. If you ‘ve enlisted in a branch of the Armed Forces, consider getting a quotation from USAA .


The modal rates used in this article are based on thousands of quotes for full-coverage car insurance in random home ZIP codes for 19-year-old male and female drivers with excellent citation scores and no accidents. The vehicle used for datum is a 2012 Honda Accord LX with 16,000 annual miles . LLC has made every effort to ensure that the information on this web site is right, but we can not guarantee that it is free of inaccuracies, errors, or omissions. All contentedness and services provided on or through this site are provided “ as is ” and “ as available ” for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this web site or to the data, message, materials, or products included on this locate. You expressly agree that your use of this site is at your sole risk .

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