How much is car insurance for 19-year-old drivers?
Younger drivers pay more for car insurance due to a lack of experience behind the wheel, and then rates go down with age and experience. On average, 19-year-old male drivers pay $4,369 a year for coverage, while female teens pay $3,884 a year. However, factors such as location and driving record also significantly impact rates.
While age is a significant factor in determining car insurance rates, gender is also considered in most states. Males typically face higher insurance rates than females, largely due to a statistically proven tendency to take more risks and sustain more injuries.
If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Male | $4,369 | $364 |
| Female | $3,884 | $324 |
Average car insurance for 19-year-old drivers by company
The company you choose for a teen driver impacts how much you pay for car insurance as well. The cheapest company for a 19-year-old driver is Travelers at $3,476 a year.
The cheapest company for 19-year-old male drivers is Travelers at $3,660. The cheapest company for 19-year-old females is Travelers at $3,292.
| Company | Average premium | Annual premium for male | Annual premium for female |
|---|---|---|---|
| Travelers | $3,476 | $3,660 | $3,292 |
| GEICO | $3,759 | $3,921 | $3,597 |
| Nationwide | $4,209 | $4,542 | $3,876 |
| State Farm | $4,353 | $4,747 | $3,960 |
| Progressive | $4,591 | $4,847 | $4,335 |
| Farmers | $5,155 | $5,398 | $4,907 |
| Allstate | $5,170 | $5,439 | $4,901 |
| USAA | $3,017 | $3,088 | $2,946 |
Best car insurance for 19-year-old driver
We've compared top insurance companies to see which offers the best coverage for 19-year-old drivers. Our analysis shows that Erie Insurance is the top pick overall, with average rates of $3,011. Our No. 2 pick is Travelers.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 0.89 | 4.47 | $3,011 | 4.62 |
| Travelers | A++ | 0.52 | 4.41 | $3,476 | 4.56 |
| Auto-Owners | A+ | 0.54 | 4.42 | $3,266 | 4.56 |
| GEICO | A++ | 0.69 | 4.43 | $3,759 | 4.44 |
| American Family | A | 0.34 | 3.99 | $3,435 | 4.27 |
| State Farm | A++ | 0.79 | 4.52 | $4,353 | 4.24 |
| Nationwide | A | 0.63 | 4.52 | $4,209 | 4.15 |
| Amica | A+ | 0.75 | 4.68 | $4,820 | 4.06 |
| Progressive | A+ | 0.71 | 4.4 | $4,591 | 4.03 |
| Allstate | A+ | 1.1 | 4.36 | $5,170 | 3.75 |
| Farmers | A | 0.86 | 4.41 | $5,155 | 3.72 |
| USAA | A++ | 1.18 | 4.71 | $3,017 | 4.76 |
Average car insurance for 19-year-olds by state
States require different amounts of car insurance, which influences the cost of coverage. Because of this, 19-year-old rates can vary widely by location. Hawaii is the cheapest state for 19-year-old male drivers, with average rates of $1,545. The most expensive state is Louisiana at $6,609 a year.
For 19-year-old female drivers, Hawaii is the cheapest state, with average rates of $1,545, while Louisiana is the most expensive at $5,770 yearly.
Check out the table below to see average car insurance rates for 19-year-olds in your state.
| State | Average annual male premium | Average annual female premium |
|---|---|---|
| Alaska | $4,158 | $3,504 |
| Alabama | $4,360 | $3,785 |
| Arkansas | $4,780 | $4,144 |
| Arizona | $4,810 | $4,074 |
| California | $4,710 | $4,701 |
| Colorado | $5,007 | $4,448 |
| Connecticut | $4,932 | $4,377 |
| Washington, D.C. | $5,565 | $4,233 |
| Delaware | $5,929 | $5,320 |
| Florida | $6,134 | $5,206 |
| Georgia | $5,005 | $4,320 |
| Hawaii | $1,545 | $1,545 |
| Iowa | $3,549 | $3,087 |
| Idaho | $3,684 | $3,028 |
| Illinois | $3,817 | $3,375 |
| Indiana | $3,687 | $3,133 |
| Kansas | $4,650 | $3,907 |
| Kentucky | $5,367 | $4,420 |
| Louisiana | $6,609 | $5,770 |
| Massachusetts | $3,780 | $3,751 |
| Maryland | $4,742 | $4,070 |
| Maine | $3,479 | $2,860 |
| Michigan | $5,220 | $5,220 |
| Minnesota | $4,672 | $3,839 |
| Missouri | $4,727 | $4,071 |
| Mississippi | $4,859 | $4,188 |
| Montana | $5,266 | $5,092 |
| North Carolina | $2,257 | $2,257 |
| North Dakota | $4,114 | $3,652 |
| Nebraska | $4,463 | $3,781 |
| New Hampshire | $3,096 | $2,748 |
| New Jersey | $4,677 | $4,095 |
| New Mexico | $4,622 | $4,058 |
| Nevada | $5,053 | $4,390 |
| New York | $4,082 | $3,612 |
| Ohio | $3,289 | $2,955 |
| Oklahoma | $5,075 | $4,282 |
| Oregon | $4,237 | $3,854 |
| Pennsylvania | $4,181 | $4,142 |
| Rhode Island | $5,473 | $4,871 |
| South Carolina | $4,802 | $4,142 |
| South Dakota | $5,031 | $4,235 |
| Tennessee | $4,353 | $3,632 |
| Texas | $4,388 | $3,793 |
| Utah | $4,552 | $3,930 |
| Virginia | $3,386 | $2,956 |
| Vermont | $3,940 | $3,316 |
| Washington | $4,061 | $3,615 |
| Wisconsin | $4,073 | $3,583 |
| West Virginia | $4,883 | $4,211 |
| Wyoming | $4,365 | $3,186 |
Average car insurance for 19-year-old driver added on a parent's policy
The cheapest company for adding a 19-year-old male driver to a parent’s policy is GEICO at $2,218 , whereas the cheapest for female drivers is GEICO at $2,105 .
Adding a teen to a parent’s policy is the best way to get cheaper car insurance for young drivers. Parents usually have cheaper rates and earn better discounts than young drivers, especially if they bundle multiple policies and have a good driving record. These lower rates and substantial discounts can significantly reduce the cost of coverage, providing a more affordable option for 19-year-olds.
This table shows average car insurance rates for 19-year-old drivers when added to a parent's policy compared to average rates for individual coverage.
| Company | Parent policy | Adding male teen | Adding female teen |
|---|---|---|---|
| GEICO | $1,264 | $2,218 | $2,105 |
| Nationwide | $1,538 | $2,255 | $2,144 |
| State Farm | $1,671 | $2,895 | $2,588 |
| Travelers | $1,806 | $3,075 | $2,821 |
| Progressive | $1,913 | $3,556 | $3,273 |
| Allstate | $2,310 | $3,702 | $3,418 |
| Farmers | $2,939 | $4,644 | $4,577 |
| USAA | $1,101 | $1,950 | $1,835 |
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