How much is car insurance for 19-year-old drivers?
Male drivers who are 19 years old spend about $6,041 each year on insurance, while female drivers the same age pay around $5,395 . 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 | $6,041 | $503 |
| Female | $5,395 | $450 |
Average car insurance for 19-year-old drivers by company
Travelers provides the lowest annual premium for a 19-year-old driver at $4,465 . 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 $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
We reviewed leading car insurance providers to identify the best policies for 19-year-old drivers.
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
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 $1,803 a year.
- The highest costs are in Louisiana, where yearly rates average $9,994 annually.
For 19-year-old female drivers:
- Hawaii offers the cheapest rates at an average of $1,803 a year.
- Nevada is the most expensive at $8,413 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 | $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 |
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 Travelers, with rates of $5,206 a year. For female drivers, the cheapest option is Travelers at $4,607 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 parent's policy compare to the cost of a separate policy.
| Company | Parent policy | Adding male teen | Adding female teen |
|---|---|---|---|
| Travelers | $2,315 | $5,206 | $4,607 |
| Nationwide | $2,898 | $5,455 | $5,092 |
| GEICO | $2,663 | $5,924 | $5,444 |
| State Farm | $3,112 | $6,993 | $5,723 |
| Allstate | $4,276 | $8,422 | $7,868 |
| Progressive | $2,706 | $8,635 | $7,825 |
| Farmers | $4,107 | $9,508 | $8,957 |
| USAA | $1,705 | $4,735 | $4,465 |
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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