Best cheap car insurance for 19-year-olds

How much is car insurance for 19-year-old drivers?

Male drivers who are 19 years old spend about $4,369 each year on insurance, while female drivers the same age pay around $3,884. Driving history and where you live also strongly influence premiums. Young drivers usually face higher costs because they lack experience, but rates decrease as they get older and build a safe record.

Age is one of the biggest factors in setting car insurance rates, but most states also allow insurers to consider gender. On average, men pay more than women since data shows they take greater risks and are involved in more accidents.

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	$4,369	$364
Female	$3,884	$324

Average car insurance for 19-year-old drivers by company

Travelers provides the lowest annual premium for a 19-year-old driver at $3,476. The insurance company you pick has a significant impact on overall costs.

For 19-year-olds, the most affordable options are:

Male drivers: Travelers with an annual rate of $3,660
Female drivers: Travelers with yearly costs of $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 reviewed leading car insurance providers to identify the best policies for 19-year-old drivers.

Our findings show:

Erie Insurance ranks first, offering average yearly premiums of $3,011.
Travelers stands out as the second-strongest option.

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

Each state sets its own minimum insurance requirements, which directly impacts the price of coverage. Because of this, rates for 19-year-old drivers can differ widely depending on where they live.

For 19-year-old male drivers:

The lowest costs are in Hawaii, with annual premiums of $1,545 a year.
The highest costs are in Louisiana, where yearly rates average $6,609 annually.

For 19-year-old female drivers:

Hawaii offers the cheapest rates at an average of $1,545 a year.
Louisiana is the most expensive at $5,770 per year.

Take a look at the table below to see the 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 a 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, with rates of $2,218 a year. For female drivers, the cheapest option is GEICO at $2,105 annually.

Putting a teen on a parent's car insurance policy is one of the best ways to lower costs for young drivers. Parents often qualify for lower premiums and extra discounts, especially when they bundle policies and keep a clean driving history. These savings help reduce the overall cost of coverage, making insurance more budget-friendly for 19-year-olds.

The table below shows how average rates for 19-year-olds on a parentâ??s policy compare to the cost of a separate policy.

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

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.

Auto insurance FAQs

What's the cheapest way to insure a 19-year-old?

The cheapest way to insure a 19-year-old driver is to add them to a parent's policy and use the available discounts.

Can a/an 19-year-old get their own policy?

Yes, but it's usually much more expensive than joining a parent's plan.

What car insurance discounts are there for 19-year-olds?

19-year-old drivers can qualify for many car insurance discounts, including good driver, claims-free, paperless billing, bundling and usage-based discounts.

Why does age affect car insurance rates?

Age is correlated with experience, as most drivers are licensed in their teens. It's also correlated with responsible behavior; older drivers tend to take fewer risks.

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