Updated: December 29, 2025
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GEICO provides the cheapest car insurance for 19-year-olds nationwide, averaging $113 monthly or $1,356 annually for minimum coverage and $321 monthly or $3,852 annually for full coverage when added to a parent's policy.
GEICO offers the cheapest full coverage car insurance for 19-year-olds at $321 monthly or $3,852 annually when added to a parent's policy, saving drivers $136 per month compared to Allstate's $457 rate.
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.
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.
| Progressive | $148 | $1,771 |
| GEICO | $229 | $2,751 |
| State Farm | $231 | $2,774 |
| Allstate | $266 | $3,188 |
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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.
| GEICO | $147 | $1,770 |
| State Farm | $179 | $2,142 |
| Progressive | $235 | $2,820 |
| Allstate | $235 | $2,824 |
| Nationwide | $302 | $3,622 |
*Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
GEICO offers the cheapest full coverage at $321 per month, with State Farm at $358 monthly. Allstate costs $457 per month—$136 more than GEICO each month, or $1,639 in yearly savings.
Full coverage protects you from collisions, theft, vandalism, weather damage, and liability claims. These rates use $1,000 deductibles for comprehensive and collision coverage.
| GEICO | $321 | $3,847 |
| State Farm | $358 | $4,292 |
| Allstate | $457 | $5,486 |
| Progressive | $478 | $5,734 |
| Nationwide | $548 | $6,578 |
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 affects your rates more than you'd think. Monthly rates for 19-year-olds range from $51 in Hawaii to $217 in Florida when added to family policies. GEICO offers the lowest rates in 38 states, with State Farm coming in second, offering the most affordable rates in 7 states.
| Alabama | GEICO | $105 | $1,257 | $50 |
| Alaska | GEICO | $76 | $908 | $56 |
| Arizona | GEICO | $139 | $1,664 | $47 |
| Arkansas | GEICO | $104 | $1,249 | $47 |
| California | GEICO | $107 | $1,284 | $74 |
| Colorado | GEICO | $99 | $1,189 | $75 |
| Connecticut | GEICO | $116 | $1,393 | $129 |
| Delaware | GEICO | $144 | $1,729 | $81 |
| District of Columbia | Allstate | $195 | $2,339 | $35 |
| Florida | State Farm | $217 | $2,610 | $116 |
| Georgia | GEICO | $167 | $2,008 | $50 |
| Hawaii | GEICO | $51 | $617 | $24 |
| Idaho | GEICO | $61 | $727 | $39 |
| Illinois | GEICO | $101 | $1,207 | $62 |
| Indiana | GEICO | $73 | $873 | $29 |
| Iowa | GEICO | $84 | $1,005 | $17 |
| Kansas | GEICO | $95 | $1,134 | $48 |
| Kentucky | State Farm | $149 | $1,783 | $31 |
| Louisiana | GEICO | $216 | $2,596 | $159 |
| Maine | GEICO | $74 | $893 | $24 |
| Maryland | GEICO | $139 | $1,664 | $84 |
| Massachusetts | GEICO | $125 | $1,506 | $52 |
| Michigan | GEICO | $108 | $1,297 | $104 |
| Minnesota | State Farm | $132 | $1,588 | $35 |
| Mississippi | Progressive | $136 | $1,628 | $16 |
| Missouri | GEICO | $100 | $1,199 | $86 |
| Montana | State Farm | $62 | $738 | $56 |
| Nebraska | GEICO | $85 | $1,018 | $46 |
| Nevada | GEICO | $208 | $2,498 | $98 |
| New Hampshire | GEICO | $77 | $928 | $35 |
| New Jersey | GEICO | $183 | $2,198 | $120 |
| New Mexico | GEICO | $106 | $1,275 | $33 |
| New York | Progressive | $126 | $1,513 | $79 |
| North Carolina | Progressive | $58 | $696 | $42 |
| North Dakota | GEICO | $73 | $872 | $26 |
| Ohio | GEICO | $94 | $1,124 | $26 |
| Oklahoma | GEICO | $103 | $1,239 | $38 |
| Oregon | GEICO | $120 | $1,444 | $33 |
| Pennsylvania | Nationwide | $166 | $1,992 | $52 |
| Rhode Island | State Farm | $126 | $1,507 | $80 |
| South Carolina | Allstate | $156 | $1,873 | $29 |
| South Dakota | Progressive | $54 | $650 | $46 |
| Tennessee | GEICO | $133 | $1,596 | $20 |
| Texas | State Farm | $132 | $1,578 | $58 |
| Utah | GEICO | $98 | $1,178 | $83 |
| Vermont | State Farm | $59 | $708 | $21 |
| Virginia | GEICO | $102 | $1,224 | $56 |
| Washington | Progressive | $151 | $1,811 | $10 |
| West Virginia | GEICO | $122 | $1,469 | $24 |
| Wisconsin | GEICO | $61 | $732 | $67 |
| Wyoming | GEICO | $71 | $855 | $16 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
Gender affects your rates. Young men pay more than women because they're more likely to be involved in accidents. Female drivers pay approximately $12 less per month than males for minimum coverage, resulting in a $144 annual savings. The gender difference exists because 19-year-old males have 21% higher accident rates than females, according to data from the Insurance Institute for Highway Safety. 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.
| GEICO | $149 | $1,786 |
| State Farm | $165 | $1,974 |
| Progressive | $230 | $2,759 |
| Allstate | $232 | $2,789 |
| Nationwide | $290 | $3,475 |
*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.
| GEICO | $146 | $1,753 |
| State Farm | $193 | $2,310 |
| Allstate | $238 | $2,859 |
| Progressive | $240 | $2,882 |
| Nationwide | $314 | $3,769 |
*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.
| MINI Cooper | $104 | $1,243 |
| MINI Electric | $106 | $1,274 |
| Subaru Outback | $107 | $1,287 |
| Subaru Forester | $110 | $1,320 |
| Ford Mustang Mach E | $113 | $1,357 |
| Nissan 370Z | $115 | $1,378 |
| Honda Odyssey | $115 | $1,378 |
| Ford Mustang | $115 | $1,380 |
| VW ID.4 | $115 | $1,384 |
| Subaru Legacy | $115 | $1,385 |
*Rates are for drivers with clean driving records and good credit.
We compared insurance rates from major carriers to find the cheapest coverage for 19-year-olds and tested discount strategies that deliver real savings. This guide reveals the average premiums companies charge in each state, breaks down how factors like your car choice and driving record impact your rates, and helps you decide between minimum and full coverage based on your budget and needs.
You can't change your age, but you can change what you pay. Stay on your parents' policy, compare quotes from multiple insurers, ask about good student and safe driver discounts, choose an older car with good safety ratings and adjust your deductibles. These five strategies help 19-year-olds save up to 40% on car insurance:
This is your biggest money-saver. Family policies include multi-car discounts and benefit from your parents' established insurance history. Going solo costs 50% to 100% more.
Insurance rates vary between companies for the same coverage. Comparing quotes from multiple insurers can reveal savings of up to 30%, which is real money back in your pocket.
Nineteen-year-olds can qualify for car insurance discounts, such as those for good students, completing driver education and defensive driving courses and using telematics programs, which can reduce premiums by up to 40%.
That flashy sports car will cost you. Older, reliable cars with solid safety ratings cost less to insure because they're cheaper to repair and replace. Think practical, not flashy.
If you can afford to replace your car out of pocket, minimum coverage keeps costs low. For full coverage, higher deductibles mean lower monthly premiums; just make sure you can afford the deductible if you need to file a claim.
Ensure the company you choose has optional coverages that are helpful for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
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.
| Female | $208 | $2,495 |
| Male | $220 | $2,636 |
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.
| Alabama | $220 | $2,639 |
| Alaska | $202 | $2,418 |
| Arizona | $327 | $3,924 |
| Arkansas | $233 | $2,799 |
| California | $241 | $2,897 |
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.
Maintaining good grades provides immediate insurance savings. State Farm offers up to 25% off premiums for students with a 3.0 GPA or higher, saving families over $600 annually. GEICO provides similar savings for students who maintain a "B" average or better.
The discount lasts until age 25, making it one of the longest-running savings opportunities for young drivers. Home-schooled students can qualify by submitting evidence of national standardized test scores ranking in the upper 20%.
Completing an approved driver education program qualifies teens for additional savings at most major insurers. These discounts reward the extra safety training and reduce premiums by 5% to 15%. The courses can often be completed online, making them convenient for busy students.
Usage-based insurance programs like Progressive's Snapshot and GEICO's DriveEasy monitor driving habits and reward safe behavior. These programs can provide discounts exceeding 15% for teens who demonstrate good driving habits, such as avoiding hard braking, speeding, and nighttime driving.
Over 260,000 teen drivers have enrolled in GEICO's DriveEasy program, with 75% receiving discounts after renewal. The programs also help parents monitor teen driving habits through mobile apps.
College students who attend school more than 100 miles from home without a car qualify for substantial savings. This discount recognizes that students driving less frequently pose a lower risk. State Farm and other major insurers offer this specialized discount for qualifying students.
Adding teens to existing family policies unlocks multiple discount opportunities:
Some insurers offer programs designed for young drivers. Progressive provides a teen driver discount for children 18 or younger when parents have been consistently insured for at least 12 months. State Farm's Steer Clear program combines safe driving education with premium discounts.
The most successful families combine multiple discounts:
These combined savings can reduce teen insurance costs by 30% to 50%, making coverage affordable for budget-conscious families. Always ask your insurer about available discounts. They won't always volunteer all savings opportunities.
Car insurance costs more at 19, but you don't have to settle for the first quote you get. GEICO offers the cheapest rates in most states at $113 per month for minimum coverage and $321 for full coverage when you're added to a parent's policy. Shopping around matters—rates vary by hundreds of dollars between insurers for identical coverage.
Your biggest savings come from staying on your parents' policy rather than buying your own. Beyond that, good student discounts, telematics programs and higher deductibles can cut your premiums by 20% to 40%. Compare quotes from at least three companies, ask about every discount you qualify for and choose a safe, affordable car. These steps can save you over $1,000 per year.
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:
State Farm is often the cheapest option nationally available, with rates around $96 per month for minimum coverage and $196 for full coverage on family policies.
On average, car insurance for 19-year-olds costs around $103 per month for minimum coverage and $223 for full coverage. However, costs vary by state, with state averages ranging from as low as $54 per month to as much as $305 monthly. Remember that these averages are for drivers on a family policy with clean driving records and good credit.
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.
Yes, insurance for male drivers is more expensive as they have a higher likelihood of accidents.
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:
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:
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
