Car Insurance Costs for 19-Year-Old Males and Females

Find Cheap 19-Year-Old Auto Insurance Quotes

presently insured ? The average cost of car insurance for 19-year-olds is $ 6,182 per year, or $ 515 per month, for fully coverage. Younger drivers are considered higher-risk and pay more for car policy than older drivers. For shoppers looking for the most low-cost option, we found the cheapest car insurance for 19-year-olds is offered by Erie Insurance .
We found that Erie has the cheapest car policy for 19-year-old drivers at $ 2,531 per year for wax coverage, based on our psychoanalysis of thousands of rates across nine states. To get the best rate, you should compare car policy quotes yourself and take advantage of discounts, as rates for 19-year-olds can vary by $ 7,719 per year .
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How much is car insurance for a 19-year-old?

On average, full coverage car indemnity costs $ 6,182 per year for a 19-year-old, but costs can vary widely by insurance company. Among our qualifying insurers, Erie Insurance is estimated as the cheapest, with an modal cost of $ 2,531 .

Find Cheap 19-Year-Old Auto Insurance Quotes

presently insured ? Find the Cheapest Insurers for Young Drivers in Each State While Erie is the cheapest insurance company for 19-year-olds, it is only available in 13 states nationally. USAA comes in second, though only current and erstwhile members of the military and their families can qualify for a USAA policy. With a rate of $ 3,381 per year, Geico is the cheapest cable car indemnity company for 19-year-olds that is available in all states .

The across-the-board stove of prices shows why car indemnity shoppers — particularly young drivers — should always shop around for the best car insurance rates. Our 19-year-old driver ‘s insurance is about $ 8,000 cheap with Erie than with the most expensive insurance company, Allstate .

Auto insurance for 19-year-old male drivers is more expensive than insurance for 19-year-old female drivers

The average monetary value of car indemnity for male drivers tends to be pricier than that of female drivers. Insurers tend to find men riskier drivers compared to women, particularly at younger ages. For 19-year-olds, men pay $ 6,468 per class on average, while women pay $ 5,895 .

Compare rates This swerve does not hold across all states, however. California, Hawaii, Massachusetts, parts of Michigan, Montana, North Carolina and Pennsylvania have banned the use of sex as a variable in setting rates, meaning male and female drivers will pay the same price for car policy, all else being peer .

The cost of car insurance by age

car insurance costs broadly decline with old age for young drivers, and good a few years can make a huge deviation in premiums. For exercise, the average rate for a 19-year-old is $ 1,214 less than the rate for an 18-year-old. As you get older, your rates will continue to decrease drastically as you gain more drive experience. One exception is if you do not keep a clean drive phonograph record .

The cheapest auto insurance company for 19-year-olds in the largest states

The chart below shows the cheapest insurance companies for a 19-year-old driver in nine of the most populous states in the country .

Best auto insurance for 19-year-olds by state

We compared car indemnity premiums for some of the most populous states in the area — as costs by state vary greatly — and ranked the states by insurance cost .
North Carolina is the cheapest department of state for 19-year-old car policy in our sample, with an annual premium about two-thirds cheaper than our overall average .
Michigan is an outlier and by far the priciest state of matter, with annual insurance costs for 19-year-olds about three times vitamin a expensive as our overall average .
An car indemnity policy for a 19-year-old in Michigan costs an average of $ 3,349 with Progressive, while the overall submit average is $ 18,517 per year .

How to find cheap car insurance as a 19-year-old

gamey prices in Michigan reinforce the measure consumers can find by shopping about. The single most important scheme to find bum policy as a 19-year-old — or at any age — is to shop around. Insurers price customers on a assortment of factors, and the cheapest policy company for you may be completely different from that of your high school acquaintance or college roommate .
While shopping about, young drivers can besides save by staying on their parents ‘ policies or seeking to take advantage of all available discounts .

Shop around for car insurance

Whether they ‘re looking for indemnity for a sports car or a van, 19-year-olds should shop for quotes across multiple insurers to see if they can find competitive car insurance rates. Younger drivers are charged more by policy companies, but the costs vary by party, and certain insurers impose less severe rate hikes for unseasoned drivers. For 19-year-olds, we recommend Erie, USAA and Geico where available, but the best company for you may be different .

Remain on your parents’ policy

If you still live at home, you can remain on your parents ‘ car indemnity policy. This makes the policy more expensive for your parents, but the higher rate is broadly cheaper than the unite price of having two branch policies .
If a adolescent driver is away from base for much of the class, they may be eligible for a “ scholar away from home ” dismiss, which can be up to 25 % .

Take advantage of insurer discounts

A 19-year-old driver can take many steps to prove they ‘re safer candidates for car insurance coverage and discount the high rates charged by indemnity companies. These include being a good student, taking defensive drive courses, maintaining a clean drive record and construct a strong credit score .

Methodology

We collected quotes for full moon coverage in thousands of ZIP codes across nine of the most populous states in the state. Our sample drivers were individual 19-year-old male and female drivers who drove a 2015 Honda Civic EX with a clean drive record. coverage levels were slightly more than what ‘s required for any state ‘s minimum coverage :

We included 29 insurance companies in this analysis, though insurance company rates were only included in our list of average prices and recommendations if their policies were available in at least three of the nine states. ValuePenguin ‘s analysis used insurance pace data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only — your own quotes may be different .