Best cheap car insurance for 19-year-olds

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-olds pay $4,126 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

Average car insurance for 19-year-old males vs. females

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.

This table compares average car insurance rates for 19-year-old males and females.

If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.

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 Geico is the top pick overall.

Average car insurance cost vs. teens

As you age and gain more driving experience, car insurance rates decrease. For example, rates for a 25-year-old are significantly cheaper than at 16 years old.

The table below shows average car insurance rates for various age groups, so you can see how rates for 19-year-olds compare to drivers at other ages.

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 has the cheapest coverage for 19-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 19-year-olds in your state.

Cheapest car insurance for 19-year-olds by company

Rates also vary considerably by company. For example, while one insurance company may consider age the determining rate factor, another may consider driving records more critical. By comparing coverage and rates from multiple companies, you can find the best deal for 19-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 19-year-olds by company.

Average car insurance for 19-year-old driver added on a parent's policy

One way to save on car insurance for young drivers is to add the driver to a parent's insurance policy. 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.