How much is car insurance for 19-year-old drivers?
For drivers who are 19 years old, average car insurance rates are $6,041 per year for males and $5,395 for females. Your actual rate depends on factors like location, driving record, vehicle, coverage, deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and policy details.
Age strongly affects pricing because it reflects driving experience and risk. In most states, insurers can also use gender in pricing. On average, male drivers pay more due to higher accident and risk rates.
In California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania, auto insurers are not allowed to factor gender into car insurance pricing.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Male | $6,041 | $503 |
| Female | $5,395 | $450 |
Average car insurance for 19-year-old drivers by company
Travelers offers the cheapest average insurance for 19-year-olds, at $4,465 annually. Rates vary by insurer because each company uses its own pricing model.
For 19-year-olds, the most affordable options are:
- Male drivers: Travelers with an annual rate of $4,733.
- Female drivers: Travelers with yearly costs of $4,199.
| Company | Annual premium for male | Annual premium for female |
|---|---|---|
| Travelers | $4,733 | $4,199 |
| GEICO | $4,886 | $4,473 |
| Progressive | $6,029 | $5,399 |
| State Farm | $6,806 | $5,781 |
| Allstate | $7,080 | $6,450 |
| Farmers | $7,377 | $6,908 |
| Nationwide | $7,743 | $6,749 |
| USAA | $3,974 | $3,752 |
Best car insurance for 19-year-old driver
Travelers ranks as the top insurer for 19-year-old drivers with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $4,465. GEICO ranks second. These insurers stand out because they balance affordable pricing with financial strength, high customer satisfaction, and dependable service.
Our findings show:
- Travelers ranks first, offering average yearly premiums of $4,465.
- GEICO stands out as the second-strongest option.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 0.62 | 4.37 | $4,465 | 4.56 |
| GEICO | A++ | 0.60 | 4.27 | $4,678 | 4.49 |
| Progressive | A+ | 0.60 | 4.15 | $5,714 | 4.18 |
| Amica | A+ | 0.59 | 4.19 | $6,554 | 4.06 |
| State Farm | A+ | 0.87 | 4.38 | $6,293 | 4.06 |
| Nationwide | A | 0.64 | 4.41 | $7,248 | 3.92 |
| Allstate | A+ | 1.20 | 4.35 | $6,767 | 3.83 |
| Farmers | A | 1.24 | 4.30 | $7,141 | 3.65 |
| USAA | A++ | 1.16 | 4.55 | $3,863 | 4.52 |
Average car insurance for 19-year-olds by state
Car insurance for 19-year-olds varies widely by state. Each state has its own rules, and costs shift based on accident rates, medical costs, repair prices, weather risks, and insurer competition. Rates range from $1,803 for male drivers in Hawaii to $9,994 in Louisiana.
For 19-year-old male drivers:
- The lowest costs are in Hawaii, with annual premiums of $1,803 a year.
- The highest costs are in Louisiana, where yearly rates average $9,994 annually.
For 19-year-old female drivers:
- Hawaii provides the lowest average yearly premium at $1,803 yearly.
- Nevada has the highest annual cost, averaging $8,413 a year.
Check 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 | $5,528 | $4,641 |
| Alabama | $5,319 | $4,632 |
| Arkansas | $7,168 | $6,128 |
| Arizona | $5,660 | $4,978 |
| California | $6,575 | $6,575 |
| Colorado | $7,519 | $6,648 |
| Connecticut | $8,767 | $7,630 |
| Washington, D.C. | $9,093 | $7,175 |
| Delaware | $8,579 | $7,264 |
| Florida | $8,599 | $7,819 |
| Georgia | $7,745 | $6,144 |
| Hawaii | $1,803 | $1,803 |
| Iowa | $5,585 | $4,985 |
| Idaho | $4,989 | $4,097 |
| Illinois | $4,742 | $4,046 |
| Indiana | $4,423 | $3,944 |
| Kansas | $6,487 | $5,388 |
| Kentucky | $6,733 | $5,604 |
| Louisiana | $9,994 | $8,322 |
| Massachusetts | $5,333 | $5,333 |
| Maryland | $5,224 | $4,497 |
| Maine | $5,302 | $4,328 |
| Michigan | $8,148 | $8,148 |
| Minnesota | $5,970 | $5,465 |
| Missouri | $6,120 | $4,981 |
| Mississippi | $6,086 | $5,376 |
| Montana | $5,857 | $5,438 |
| North Carolina | $3,849 | $3,849 |
| North Dakota | $5,795 | $4,950 |
| Nebraska | $5,408 | $4,362 |
| New Hampshire | $4,938 | $4,207 |
| New Jersey | $7,639 | $6,550 |
| New Mexico | $5,855 | $5,245 |
| Nevada | $9,613 | $8,413 |
| New York | $5,971 | $5,502 |
| Ohio | $4,250 | $3,662 |
| Oklahoma | $7,304 | $6,095 |
| Oregon | $4,923 | $4,444 |
| Pennsylvania | $4,344 | $4,344 |
| Rhode Island | $9,056 | $7,500 |
| South Carolina | $6,464 | $5,379 |
| South Dakota | $6,146 | $5,262 |
| Tennessee | $6,010 | $4,914 |
| Texas | $6,560 | $6,274 |
| Utah | $5,681 | $5,039 |
| Virginia | $4,482 | $3,947 |
| Vermont | $4,164 | $3,552 |
| Washington | $6,903 | $6,248 |
| Wisconsin | $5,783 | $5,143 |
| West Virginia | $5,564 | $4,961 |
| Wyoming | $5,059 | $3,779 |
Methodology
Rates are fielded in partnership with Quadrant Information Services across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Data is further filtered to reflect:
- Specific driver age
- Rates for a driver added as a third driver on an existing policy with two parents
Learn more about our data and methodology.
Frequently asked questions: Car insurance for 19-year-olds
Why does age affect car insurance rates?
Age relates to experience because most drivers get their licenses in their teens. It also relates to responsible behavior, as older drivers tend to take fewer risks.
Is full coverage worth it for 19-year-olds?
Full coverage is worth it if your vehicle is financed, leased, or expensive to replace. It adds comprehensive and collision coverageCollision coverage helps pay for repairs or replacement of your car if it's damaged in an accident, regardless of who is at fault and is subject to a deductible. to liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. and pays for damage to your vehicle. For an older, low-value car, compare the annual premium and deductible with the car's current value.
What car insurance discounts are available for 19-year-olds?
Drivers aged 19 may qualify for good-driver, claims-free, multi-car, bundling, automatic payment, paperless billing, and usage-based discounts. Additional savings may apply for safety features, low mileage, or memberships. Ask insurers to apply all discounts before comparing quotes.
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