Cheapest Car Insurance for 19-Year-Olds

Progressive stands out with the lowest monthly rate at just $148, making it an excellent starting point for price-conscious families. While the monthly differences might seem small, they add up. Choosing Progressive over Allstate saves you nearly $1,400 annually.

Shopping for car insurance as a 19-year-old can feel overwhelming, but these four companies consistently deliver competitive rates for young drivers on family policies. The rates below represent teens with clean driving records added to family policies.

GEICO offers the best value at $147 monthly for families who want basic minimum coverage. State Farm costs $32 more per month, while Progressive jumps to $235 monthly. The annual savings with GEICO reach $372 compared to State Farm and over $1,000 versus Progressive.

These minimum coverage rates include your state's required liability limits plus any mandated coverages like personal injury protection or uninsured motorist coverage. Coverage levels meet legal requirements, but won't pay for damage to your own vehicle.

*Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

GEICO leads at $321 monthly for cheap comprehensive and collision coverage. State Farm follows at $358 monthly, while Allstate reaches $457 monthly.
Full coverage protects your vehicle from collision, theft, vandalism, weather damage, and liability claims. GEICO and Allstate's $136 monthly difference equals $1,639 in annual savings. These rates include $1,000 deductibles for comprehensive and collision coverage.

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Your ZIP code makes a bigger difference than you might expect. Monthly rates for 19-year-olds range from around $76 in Alaska to over $300 in some states when added to family policies. Here's how the most affordable companies stack up across different states.

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.

Unfortunately, your gender affects your rates. Young men pay more because they're more likely to be involved in accidents. Female drivers pay about $12 less per month than males for minimum coverage, saving $144 annually. The gender difference exists because 19-year-old males have 21% higher accident rates than females, according to Insurance Institute for Highway Safety data. Here's how the math works out for both genders.

GEICO has the best rates for 19-year-old women at $149 monthly, while State Farm follows at $165 monthly, 11% higher than GEICO. The gap widens with other insurers. Progressive and Allstate charge around $230 monthly, while Nationwide charges $290 monthly.

*Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Male drivers face higher rates due to their increased crash risk. GEICO provides the most competitive pricing at $146 monthly for minimum coverage, while State Farm costs $193 monthly, 32% more than GEICO. Allstate reaches $238 monthly, representing a 63% premium over GEICO's rate.

*Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Vehicle choice impacts insurance costs. The MINI Cooper leads at just $104 monthly, followed by the MINI Electric at $106 and Subaru Outback at $107. Even among affordable options, choosing the cheapest model saves $136 annually versus the tenth-ranked Subaru Legacy.

*Rates are for drivers with clean driving records and good credit.

On average, 19-year-olds spend about $1,302 annually for minimum coverage and $2,676 for full coverage when added to family policies. These averages reflect drivers with clean records and good credit. Your rates may vary based on your situation.

The following table shows average costs for adding 19-year-old male and female drivers to family policies, sorted by coverage level.

Where you live affects teen car insurance rates. Hawaii offers the cheapest car insurance for 19-year-olds at just $69 monthly, while Florida charges $525. Wyoming, North Carolina and Idaho also offer affordable teen driver insurance costs under $160 monthly.

Car insurance hits 19-year-olds hard financially because insurers see them as high-risk drivers. Limited driving experience means higher accident rates, which translates to higher premiums, often two to three times what older drivers pay.

The statistics are clear. Drivers aged 16 to 19 have fatal crash rates nearly three times higher than older age groups. Risk factors like nighttime driving, speeding and phone use are more common among young drivers, especially males.

High premiums don't mean you're stuck overpaying. Here are proven strategies to bring your costs down:

Don't pay more than necessary for teen car insurance. The right discounts can cut your premiums by up to 40%. Smart families stack multiple discounts to maximize savings, turning expensive teen coverage into manageable monthly payments.

Finding the best affordable car insurance for 19-year-olds can be challenging due to the risk factors that drive up premiums for this age group. We've answered some of the most frequently asked questions to help you:

MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 19-year-old drivers. Using this information, we help readers select the best policy at the lowest price possible.

Data Sources and Depth

We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.

Sample Driver Profile

MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:

• Toyota Camry LE
• Clean driving record
• 12,000 miles driven every year

MoneyGeek compared rates for 19-year-old drivers across different states to determine which companies provide the most affordable policies. We adjusted this profile to reflect the differences in age, location and driving behavior.

Coverage Levels and Deductibles Explained

A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.

For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.