Cheapest Car Insurance for 19-Year-Olds


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Key Takeaways

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Concord Group, Auto-Owners and State Farm offer some of the most competitive rates for 19-year-old drivers.

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Looking at national averages, the cheapest car insurance rates for 19-year-olds start at $58 per month for minimum coverage and $107 monthly for full coverage. However, some providers offer rates as low as $54 per month in certain states.

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19-year-olds pay an average of $103 per month for minimum coverage and $223 monthly for full coverage, though rates can be as low as $50 depending on the state.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Minimum Liability Car Insurance for 19-Year-Olds

Among major insurers, State Farm offers the most affordable minimum liability coverage at around $1,152 annually. This is about 11% below average for those on family policies. Other strong contenders include Concord Group and Auto-Owners, where available.

Concord Group$58$50
Auto-Owners Insurance Co$73$35
State Farm$96$13
GEICO$99$9
Travelers$102$6
Allstate$106$3

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

Cheapest Full Coverage Car Insurance for 19-Year-Olds

The cheapest full coverage option for 19-year-olds is from Concord Group. It costs approximately $1,284 annually for a teen added to a family policy, though availability may be limited. Other affordable national providers include State Farm, Allstate and GEICO.

Concord Group$107$116
Auto-Owners Insurance Co$165$58
State Farm$196$27
Allstate$207$16
GEICO$214$9
Travelers$218$5

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

Cheapest Car Insurance for 19-Year-Olds by State

Depending on the state, the cost of insurance for 19-year-olds can vary significantly, with monthly rates ranging from $54 to $305 for those on family policies. Below is a breakdown of the most affordable companies for this age group by state.

MassachusettsState Farm$54
HawaiiState Farm$59
MississippiProgressive$59
MaineConcord Group$71
New HampshireConcord Group$76
IdahoAuto-Owners Insurance Co$78
OhioNationwide$80
PennsylvaniaNationwide$81
MissouriGEICO$83
South DakotaAllstate$84
KansasNationwide$84
North CarolinaState Farm$87
North DakotaNationwide$91
WisconsinGEICO$91
VermontState Farm$93
VirginiaNationwide$95
IndianaGEICO$97
MontanaProgressive$100
IowaAllstate$101
New YorkKemper$109
WyomingAllstate$110
District of ColumbiaGEICO$112
UtahNationwide$113
ConnecticutGEICO$113
OregonNationwide$114
ColoradoKemper$116
TennesseeAuto-Owners Insurance Co$117
ArizonaTravelers$117
ArkansasAllstate$119
AlabamaGEICO$119
GeorgiaAllstate$121
NebraskaAuto-Owners Insurance Co$122
MichiganGEICO$125
AlaskaGEICO$130
Rhode IslandTravelers$130
IllinoisAuto-Owners Insurance Co$134
MarylandKemper$135
New MexicoAllstate$135
WashingtonCapital Insurance Group$136
MinnesotaNationwide$136
KentuckyAllstate$139
West VirginiaNationwide$140
OklahomaAllstate$143
DelawareTravelers$144
South CarolinaAuto-Owners Insurance Co$150
TexasState Farm$152
New JerseyTravelers$156
CaliforniaGEICO$173
NevadaNationwide$190
FloridaNationwide$233
LouisianaState Farm$305

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

Cheapest Car Insurance for 19-Year-Olds by Gender

Due to higher accident risks, 19-year-old male drivers typically pay higher premiums than their female counterparts. Below are the most affordable national providers for both genders.

Cheapest Car Insurance for 19-Year-Old Female Drivers

State Farm offers the most affordable rates for 19-year-old female drivers, delivering approximately 20% savings compared to the national average. This is because data shows young women are statistically involved in fewer accidents.

Concord Group$55$48$102$108
Auto-Owners Insurance Co$69$34$152$57
State Farm$87$16$176$33
Travelers$92$10$199$11
GEICO$97$5$206$4

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

Cheapest Car Insurance for 19-Year-Old Male Drivers

For 19-year-old male drivers, GEICO provides the most competitive monthly rate at $101 on a family policy for national providers. Concord Group and Auto-Owners offer more affordable rates where available. Insurance premiums for males are generally higher due to their greater statistical involvement in accidents.

Concord Group$61$53$112$125
Auto-Owners Insurance Co$78$36$178$58
GEICO$101$13$222$15
State Farm$105$9$216$21
Allstate$107$7$217$19
Travelers$112$2$237$-0

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

Cheapest Cars to Insure for 19-Year-Olds

Choosing the right car can lower insurance costs significantly. If you're considering adding a 19-year-old driver to your policy, selecting a vehicle with a high safety rating and lower repair costs is beneficial. Below are the most affordable models by vehicle type to insure for 19-year-old drivers.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Subaru ForesterCompact SUVState Farm$2,329
Subaru OutbackSedanState Farm$2,352
Acura MDXLuxury SUVTravelers$2,394
Nissan FrontierPickup TruckState Farm$2,436
Honda PassportSUVState Farm$2,505
Honda OdysseyMinivanState Farm$2,541
Hyundai IoniqCompactTravelers$2,584
Nissan LEAFElectricTravelers$2,619
Chevrolet CorvetteSports CarTravelers$2,791
Tesla Model YLuxury ElectricGEICO$2,857
BMW 1 SeriesLuxury CompactGEICO$2,945
Mercedes GLA 250Luxury Compact SUVState Farm$2,952
Porsche TaycanLuxury Sports CarGEICO$2,972
BMW 3 SeriesLuxury SedanState Farm$3,190

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

Average Cost of Car Insurance for 19-Year-Olds

On average, 19-year-olds can expect to pay about $1,302 annually for minimum coverage and $2,676 for full coverage. These average car insurance costs for 19-year-olds are for drivers with clean records and good credit; individual rates will vary based on personal driving profiles.

Car Insurance Cost for 19-Year-Olds by Coverage and Gender

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

State Min - No comp_coll$114$103
State Min - 500 comp_coll$236$208
State Min - 1500 comp_coll$203$180
State Min - 1000 comp_coll$211$187
300/500/300,000 - No comp_coll$167$150
300/500/300,000 - 500 comp_coll$285$252
300/500/300,000 - 1500 comp_coll$252$224
300/500/300,000 - 1000 comp_coll$109$96
100/300/100,000 - No comp_coll$141$127
100/300/100,000 - 500 comp_coll$250$233
100/300/100,000 - 1500 comp_coll$252$224
100/300/100,000 - 1000 comp_coll$237$209

Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.

Average Cost of Car Insurance for 19-Year-Olds by State

Insurance costs for 19-year-olds vary significantly by state, influenced by factors like population density, local laws and weather. Average state premiums range from $54 to $508 monthly.

Oklahoma$38$173$51$232
North Carolina$28$111$29$112
Colorado$51$201$67$266
Mississippi$37$161$55$242
Florida$86$386$96$438
Vermont$24$120$38$182
Delaware$52$197$81$311
Nevada$70$272$86$332
Louisiana$94$508$100$539
New York$62$215$78$276
West Virginia$41$171$62$256
South Carolina$69$251$83$302
New Jersey$76$301$82$327
New Mexico$39$173$50$218
Hawaii$20$87$19$83
Arkansas$35$159$49$221
Missouri$51$231$71$315
Connecticut$51$187$77$278
South Dakota$28$153$39$217
District of Columbia$49$202$71$283
Iowa$26$130$34$171
Indiana$32$128$45$180
Massachusetts$36$145$55$223
Rhode Island$57$209$95$348
Ohio$60$211$75$264
Michigan$87$344$83$339
Minnesota$37$161$54$229
Pennsylvania$33$162$45$215
Washington$50$175$77$259
Wisconsin$32$144$44$196
Montana$35$184$46$244
Kentucky$47$189$59$236
Arizona$46$184$63$252
Illinois$33$141$44$186
Virginia$52$197$63$239
Maryland$54$190$87$300
Georgia$47$191$64$259
Wyoming$22$158$29$204
Utah$60$227$74$275
New Hampshire$34$122$49$174
North Dakota$26$127$37$177
Nebraska$36$185$47$236
Maine$34$132$46$177
California$49$226$53$244
Tennessee$33$146$49$218
Kansas$33$161$45$214
Texas$54$219$76$307
Oregon$40$149$65$234
Idaho$27$105$42$165
Alaska$42$186$47$214
Alabama$43$189$55$240

Why Car Insurance Is Expensive for 19-Year-Olds

Car insurance for 19-year-olds is costly because they are considered high-risk drivers. Accident and violation rates are notably higher for drivers aged 16 to 19, with fatal crashes nearly three times more frequent than for older age groups. Risk factors like nighttime driving, speeding, and distracted driving are prevalent, especially among young male drivers.

How to Save Money on Car Insurance for 19-Year-Olds

While teens pay higher premiums than any other age group, there are strategies to reduce costs:

  1. 1
    Stay on a parent's policy

    Remaining on a parent’s policy can lead to significant savings due to multi-car discounts and the parent's established insurance history.

  2. 2
    Shop around as much as possible

    Comparing quotes from multiple insurers can reveal savings of up to 30%.

  3. 3
    Find discounts you qualify for

    Nineteen-year-olds can qualify for car insurance discounts, such as those for good students, completing driver education courses and using telematics programs, which can reduce premiums by up to 40%.

  4. 4
    Choose a safe, older car

    Opting for an older, less expensive car with a solid safety rating can decrease insurance costs as they are less expensive to repair and lower risk.

  5. 5
    Adjust your coverage amount

    If you’re willing to pay out-of-pocket for car replacement, liability-only insurance is a cost-effective option. For full coverage, increasing deductibles can also lower premiums.

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KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP

Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good 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

Cheap Car Insurance for 19-Year-Olds: Bottom Line

Car insurance for 19-year-olds may be expensive, but by staying on a family policy, comparing providers, and seeking out discounts, affordable options can be found. State Farm stands out as a particularly cost-effective provider, but comparing quotes remains essential to finding the best deal.

Car Insurance for 19-Year-Olds: FAQ

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

What is the cheapest car insurance for an 19-year-old?

How much is car insurance for an 19-year-old per month?

Why is car insurance expensive for 19-year-old drivers?

Is car insurance more expensive for 19-year-old males?

Auto Insurance for 19-Year-Olds: Our Methodology

MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 19-year-old drivers. Using this information, we assist readers in selecting 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

To determine which companies provide the most affordable policies, MoneyGeek compared rates for 19-year-old drivers across different states. We made adjustments to 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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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