Best Cheap Car Insurance Companies for 19-Year-Olds

For 19-year-old drivers added to a family policy, Nationwide stands out as the cheapest car insurance option, with average costs of $172 monthly and $2,066 yearly. This is well below the average car insurance cost of $225 monthly and $2,699 yearly when added to a family policy.

Individual premiums for 19-year-olds are slightly lower than for younger drivers because they typically have a few more years of driving experience, which can lead to a better driving record. Insurance companies view this age group as less risky compared to a younger, less experienced driver.

For 19-year-olds seeking car insurance, the two cheapest providers are:

• Nationwide: $172 per month, $2,066 per year
• GEICO: $181 per month, $2,168 per year

These rates reflect the cost of adding a 19-year-old to an existing family policy. Significant savings can be observed when comparing these rates to individual policies, where the monthly cost for Nationwide jumps to $282 and for GEICO to $219, demonstrating the high expense of car insurance for teen drivers who are considered high risk due to their inexperience.

To help manage costs, 19-year-olds might look into utilizing all available student discounts on car insurance.

Massachusetts offers the lowest car insurance rates for 19-year-olds, with State Farm charging an annual premium of just $438. Hawaii is next in line, where GEICO provides coverage for $640 a year.

The price of car insurance for 19-year-olds varies widely by state, influenced by factors like local insurance regulations, accident rates and the prevalence of car theft. What's considered an affordable basic plan in one state may not suffice in another with higher risks, necessitating more comprehensive coverage. Therefore, it's wise for parents to compare options and consider their state's unique conditions when choosing insurance for their young driver.

Men aged 19 often pay more for car insurance than women of the same age. Nationwide is the cheapest car insurance provider for both men and women 19-year-old drivers.

• For men: Nationwide, $178 per month, $2,133 per year
• For women: Nationwide, $163 per month, $1,950 per year

These rates represent the cost of adding a 19-year-old to an existing insurance policy.

Men pay higher rates because they are more likely to be in accidents. Women at this age usually get cheaper insurance. Although this price difference is narrowing, it remains evident.

For 19-year-old drivers, the Subaru Forester and Subaru Outback top the list of the cheapest cars to insure.

• Subaru Forester: $194 per month, $2,329 per year
• Subaru Outback: $196 per month, $2,352 per year

To help lower costs for young drivers, who are often seen as high risk, adding them to your own policy could be smart. Choose a car that's older but still safe. These cars often have lower insurance rates, plus you might qualify for student discounts, helping you save money while keeping them protected on the road.

The best car insurance for 19-year-olds is Travelers, with a monthly premium of $192 and an annual premium of $2,305 when added to a family policy. Choosing the best car insurance provider can ensure comprehensive coverage and reliable service, which justifies the cost.

The best car insurance for a 19-year-old will give you a combination of solid coverage and affordability. For 19-year-old drivers looking to get their own insurance policy, the costs are high, but they’re still likely going to be lower than for a 16-year-old driver. The younger driver would pay an average of about $869 more than a 19-year-old.

The cost of car insurance for 19-year-olds can be high, but there are effective strategies to lower these expenses. For example, adding that young driver to a family policy can mean significant savings. Here are some other ideas to consider:

Younger drivers don’t have the benefit of a long, proven driving record to help them save money on car insurance. That means insurers use average driving statistics for 19-year-olds to estimate the likelihood of those drivers getting into an at-fault accident. Unfortunately for those drivers, the statistics are less forgiving than they are for drivers in their twenties.

Finding affordable car insurance for 19-year-olds is often challenging due to their limited driving history. Uncover cost-effective options and secure the cheapest car insurance for young drivers with expert insights.