You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our finish is to give you the best advice to help you make bright personal finance decisions. We follow stern guidelines to ensure that our column subject is not influenced by advertisers. Our editorial team receives no aim compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. thus, whether you ’ re reading an article or a revue, you can trust that you ’ re getting credible and reliable information. We value your confidence. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the data you ’ ra read is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive address compensation from our advertisers. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the rate they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first gear. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer serve, policy features and savings opportunities — then you can feel confident about which supplier is good for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ rhenium putting your interests first. All of our content is authored by highly qualify professionals and reviewed by topic matter experts, who ensure everything we publish is aim, accurate and worthy of your reliance. Founded in 1976, Bankrate has a farseeing track record of helping people make bright fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. hera ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. By senesce 19, most drivers have at least a few years of road experience under their belt, which is reflected in the average monetary value of car policy for this age group. 19-year-old drivers pay an average of $4,146 per year, over $ 1,100 less than 18-year-olds on their own full moon coverage policy, according to Bankrate ’ second 2021 study of quoted annual premiums. Although rates generally swerve downward the older young drivers get, finding the good car indemnity policy at an low-cost price much takes some extra inquiry. To help assist drivers in finding allow coverage, Bankrate compared quotes and policies from multiple providers to evaluate some of the best car insurance options for 19-year-old motorists .
How much is car insurance for a 19-year-old?
By utilizing Quadrant Information Services, our team gathered and compared up-to-date quotes from dozens of car insurers to help young drivers make an inform decisiveness with their policy. The average cost of full coverage car insurance for a 19-year-old is $4,146 a year, based on quote annual premiums. due to a miss of a drawn-out drive history, car indemnity companies typically consider young drivers — including those under the senesce of 21 — bad to insure. A recent analyze from the Insurance Institute for Highway Safety ( IIHS ) found that drivers aged 16- to 19-years-old had the highest rate of fatal single vehicle car accidents compared to any other age group. Additionally, 19-year-olds were creditworthy for 682 car accidents in total in 2019, the highest count of any other driver age group under 21. The average cost of car indemnity for 19-year-old males is slightly higher than the average cost for 19-year-old females. historically, both age and gender tend to be strong indicators of driver risk .
Average cost of car insurance for men and women
Why does cable car insurance cost more for 19-year-old males than 19-year-old females on average ? Each cable car insurance company has underwriters who determine the cost of car policy based on several factors set by the insurance firm, including the driver ’ second stated gender. Based on the fact that men are statistically riskier drivers than women, insurance companies much agent sex into rates. however, it is worth noting that not all states allow sex to be included as a rate factor, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. The table below compares the median costs of minimal and fully coverage car insurance for 19-year-old males and females .
| Average annual full coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| 19-year-old male | $4,487 | $1,332 |
| 19-year-old female | $3,807 | $1,176 |
Best car insurance companies for 19-year-olds
There are many options for 19-year-old drivers seeking car insurance coverage. To make the indemnity landscape clear, we leveraged 2021 median premium data and considered standout coverage options from each insurance company to highlight some of the best car insurance companies for consideration .
| Insurance company | Average annual full coverage premium | Average annual minimum coverage premium |
|---|---|---|
| Auto-Owners | $3,004 | $900 |
| Erie | $2,601 | $776 |
| Geico | $3,008 | $804 |
| Travelers | $3,666 | $1,205 |
| USAA | $2,637 | $777 |
Auto-Owners
For drivers who prefer one-to-one communication with their insurance company, Auto-Owners may prove to be a bang-up option. To get a quote, Auto-Owners employs 48,000 autonomous licensed agents to personally guide you through the indemnity buy experience. In addition to the expertness its agents offer, policies through Auto-Owners have useful optional add-ons for 19-year-olds, such as decrease value coverage, which ensures your claim payout accounts for the expense to repair your car to its original prize, anterior to damage. Learn more: Auto-Owners Insurance follow-up
Erie
As the cheapest supplier on our number available to all drivers in its report states, Erie stands out for offering brassy car indemnity and robust policies. Unlike most providers, Erie includes several “ extras ” on its standard policies, such as pet coverage and locksmith services. To help keep your car policy low-cost, you can add the pace lock endorsement to maintain your agio and take advantage of relevant discounts, like the youthful driver discount for drivers under senesce 21. Learn more: Erie Insurance review
Geico
Geico is not a cheap as Erie, but it offers so many discounts that many drivers should be able to lower the average annual premium by a well margin. In addition to having coverage from a nationally trusted company, policyholders have access to Geico ’ s top-rated mobile app. With it, you can handily view your ID cards, make a payment, file a claim, request wayside aid and check the condition of your claim. Learn more: Geico Insurance review
Travelers
While Travelers indemnity policies are more expensive on average than other providers on our list, there are multiple discounts 19-year-old drivers could apply to reduce their premiums. Through young-driver specific discounts, like estimable student, distant student and driver train, and more general options, like the early quote discount, you are probably to find at least a few ways to save on coverage. By utilizing every deduction that applies to you, it is possible that you could achieve a premium that competes or even surpasses other low-cost car insurance providers. Learn more: Travelers Insurance recapitulation
USAA
USAA is a unique indemnity provider because it only provides coverage to current and adjourn military, arsenic good as their immediate family members. however, even though it has membership requirements, it systematically earns high J.D. Power customer gratification scores from its shroud drivers and exhibits victor fiscal intensity according to AM Best. If you are 19 and you qualify, getting a quote from USAA could provide you dedicated coverage and savings opportunities like its SafePilot plan, which offers up to a 30 % discount for safe drive behaviors. Learn more: USAA Insurance inspection
Cheapest car insurance for 19-year-olds
Because price is frequently a top consideration when choosing coverage — particularly for younger drivers who tend to pay more for car indemnity — many 19-year-olds may be looking for the cheapest car policy available. We compared rates from providers across the state and found five that stall out in offering the cheapest car indemnity out of providers available in most of the 50 states and Washington, D.C. 19-year-old drivers could save importantly by purchasing a policy through the follow providers. American National offers the cheapest policy on average on our list, at $2,702 less than the average cost of full coverage car insurance for 19-year-old drivers, nationally.
| Insurance company | Average annual full coverage premium | Average annual minimum coverage premium |
|---|---|---|
| American National | $1,444 | $488 |
| USAA | $2,637 | $777 |
| Geico | $3,008 | $804 |
| State Farm | $3,247 | $1,152 |
| Amica* | $3,656 | $865 |
*Amica policy is not available in Hawaii
How to save on car insurance for 19-year-olds
There are a variety of ways a 19-year-old can save money on their policy. One of the most coarse ways involves taking advantage of discounts, but there are a few early strategies to consider .
Drive an older car
New cars typically monetary value more to replace. By driving an older car, it is likely that your policy company will not charge vitamin a much to insure the vehicle. however, it may be worth considering how insuring an older vehicle may affect other costs, such as those associated with a higher likelihood of mechanical breakdown .
Drive a safer car
Because policy companies set rates based on risk gene, cars with add condom elements tend to cost less to insure. A car with a favorable crash rat, for example, would likely earn you a better agio due to you and your passengers being less probably to suffer hard injuries in an accident .
Opt for a high deductible
If you opt for a high deductible, you will pay less each month for indemnity. however, the tradeoff is having a higher out-of-pocket payment if you get into an accident. indemnity agents frequently recommend consulting your budget to ensure you choose a deductible that you can well afford .
Usage-based car insurance
If you are a full-time scholar, a usage-based car indemnity policy may be for you. many 19-year-olds attending college live on or near campus and walk to course or take public transportation system. If you only drive a few twelve miles each week, usage-based programs may help you reduce your premiums significantly. With a usage-based policy, the amount of money you pay each calendar month depends on :
- How far you drive
- How long you drive
- The type of car you drive
- How fast you drive
- How well you drive
not every provider offers usage-based car indemnity so may need to do a little inquiry before you choose. In addition to costs, consider on-line reviews, such as those by AM Best and J.D. Power .
Take advantage of discounts
There are a diverseness of discounts 19-year-old drivers can take advantage of. Some of which include :
- Good student
- Defensive driving course
- Accident-free
- Auto-pay
- Paperless
- Paid in full
Each ship’s company offers different discounts and has different requirements for each. Before you sign up with any supplier, ask which discounts you are able to apply for and how much each one would affect your monthly pace .
Apply the good student discount
Most insurance companies have a good student deduction. A good student discount is by and large available to young drivers who earn and maintain a minimum of 3.0 GPA in school. For 19-year-old drivers insured on their parent ’ randomness policy, a good student discount reduces the national average cost of full coverage car insurance from $1,674 per year to $1,247 per year on average.
Apply the distant student discount
many indemnity companies besides offer a distant student rebate for youthful drivers who are away at college without their insured vehicle. Most policy companies allow you to apply the distant scholar discount if your student is attending college more than 100 miles away from home. For 19-year-old drivers insured on their parent ’ second policy, a distant student discount reduces the national average cost of full coverage car insurance from $1,674 per year to $1,483 per year.
How to get the best car insurance for a 19-year-old
To get the best car insurance for a 19-year-old, it helps to take time researching and shopping about because each policy company uses different rating criteria to determine the cost of car policy for drivers. Consider starting with basics in understanding your state requirements, researching the best insurance companies in your ZIP code and check that there are applicable discounts like good student or driving educate to help save costs. If you ’ ra tempted to purchase entirely minimum coverage cable car policy, you may want to reconsider. Most car insurance experts recommend purchasing higher liability limits or even full moon coverage car indemnity — even though it can be more expensive upfront — for more fiscal protection in the consequence of a crash .
Frequently asked questions
What is the cheapest car insurance for 19-year-olds?
American National and USAA offer two of the cheapest average premiums for 19-year-olds. Both insurers offer coverage nationally, although USAA coverage is limited to active and go to bed military personnel, vitamin a well as their family members. however, there are several options for bum car insurance. Comparing quotes from multiple companies is a good way to find which insurers offer the best premium for your driver profile .
Do men pay more for car insurance than women when they are 19?
19-year-old male drivers typically pay more for car policy than female drivers of the same historic period. This is because males are statistically more likely to speed and get into accidents. As male drivers get older, what they pay for policy gradually aligns more systematically with what female drivers pay .
When should I get off my parent’s car insurance policy?
With car indemnity, you typically have the option to remain on your rear ’ sulfur policy for equally long as you would like, adenine retentive as you remain a listed driver know within the lapp primary residency. however, most young drivers decide to purchase their own policy when they move out. Consider researching the average rates within different towns or cities before moving, as rates could change drastically even between ZIP codes .
What characteristics impact my car insurance rates?
Your car indemnity premium depends on several factors. Most car insurance companies analyze your vehicle make and exemplar, driving history, claims history and ZIP code, among early factors, to determine your premium. In every department of state except Hawaii, indemnity companies are allowed to factor in your long time. many insurance companies besides consider gender, although using sex as a fink component for car policy is prohibited in California, Hawaii, Massachusetts, Michigan, Montana, Pennsylvania and North Carolina. additionally, many car policy companies will consider your credit history, unless you live in the states of California, Massachusetts or Michigan .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive criminal record, effective credit and the following full moon coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each department of state ’ sulfur requirements. Our basis profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum.
Read more: The 7 Best Car Insurance Companies (2022)
These are sample distribution rates and should only be used for comparative purposes. Age: Rates were calculated based on 19-year-old drivers on their own policy ( renters ). Gender: The follow states do not use gender as a determining agent in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania .