Car Insurance Costs for 19-Year-Old Males and Females

Car Insurance Costs for 19-Year-Old Males and Females

Find Cheap 19-Year-Old Auto Insurance Quotes

Currently insured?

The average cost of car insurance for 19-year-olds is $6,182 per year, or $515 per month, for full coverage. Younger drivers are considered higher-risk and pay more for auto insurance than older drivers. For shoppers looking for the most affordable option, we found the cheapest car insurance for 19-year-olds is offered by Erie Insurance.

We found that Erie has the cheapest car insurance for 19-year-old drivers at $2,531 per year for full coverage, based on our analysis of thousands of rates across nine states. To get the best rate, you should compare car insurance quotes yourself and take advantage of discounts, as rates for 19-year-olds can vary by $7,719 per year.

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How much is car insurance for a 19-year-old?

On average, full coverage car insurance costs $6,182 per year for a 19-year-old, but costs can vary widely by insurer. Among our qualifying insurers, Erie Insurance is estimated as the cheapest, with an average cost of $2,531.

19-year-old Car Insurance Cost

Find Cheap 19-Year-Old Auto Insurance Quotes

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However, Erie is only available in 13 states nationwide. USAA comes in second, though only current and former members of the military and their families can qualify for a USAA policy. With a rate of $3,381 per year, Geico is the cheapest car insurance company for 19-year-olds that is available in all states.

Insurer
Annual cost
Erie$2,531
USAA$2,973
Geico$3,381
State Farm$4,724
Progressive$4,894
Nationwide$4,939
Farmers$5,468
Allstate$10,250
The wide range of prices shows why auto insurance shoppers — especially young drivers — should always shop around for the best car insurance rates. Our 19-year-old driver's insurance is almost $8,000 cheaper with Erie than with the most expensive insurer, Allstate.

Auto insurance for 19-year-old male drivers is more expensive than insurance for 19-year-old female drivers

The average cost of car insurance for male drivers tends to be pricier than that of female drivers. Insurers tend to find men riskier drivers compared to women, especially at younger ages. For 19-year-olds, men pay $6,468 per year on average, while women pay $5,895.

Age
Annual cost - male driver
Annual cost - female driver
18$7,762$7,030
19$6,468$5,895
20$5,777$5,258

This trend does not hold across all states, however. California, Hawaii, Massachusetts, parts of Michigan, Montana, North Carolina and Pennsylvania have banned the use of gender as a variable in setting rates, meaning male and female drivers will pay the same price for auto insurance, all else being equal.

The cost of car insurance by age

Auto insurance costs generally decline with age for young drivers, and just a few years can make a huge difference in premiums. For example, the average rate for a 19-year-old is $1,214 less than the rate for an 18-year-old. As you get older, your rates will continue to decrease drastically as you gain more driving experience. One exception is if you do not keep a clean driving record.

Age
Average annual premium
18$7,396
19$6,182
20$5,517
21$4,611
22$4,304
23$4,021
24$3,765
25$3,348

The cheapest auto insurance company for 19-year-olds in the largest states

The chart below shows the cheapest insurance companies for a 19-year-old driver in nine of the most populous states in the country.

USAA was excluded, as policies are only available for current or former military members and their families. Without its exclusion, it offers the cheapest car insurance for 19-year-olds in Georgia, Michigan, New York and Texas.

Best auto insurance for 19-year-olds by state

We compared auto insurance premiums for some of the most populous states in the country — as costs by state vary greatly — and ranked the states by insurance cost.

North Carolina is the cheapest state for 19-year-old car insurance in our sample, with an annual premium almost two-thirds cheaper than our overall average.

Michigan is an outlier and by far the priciest state, with annual insurance costs for 19-year-olds almost three times as expensive as our overall average.

State
Average 19-year-old annual premium
North Carolina$2,141
California$3,350
Ohio$3,753
Illinois$4,843
Georgia$5,412
New York$5,437
Texas$5,718
Florida$6,370
Michigan$18,517
Average cost of car insurance$6,182
High prices in Michigan reinforce the value consumers can find by shopping around.

An auto insurance policy for a 19-year-old in Michigan costs an average of $3,349 with Progressive, while the overall state average is $18,517 per year.

How to find cheap car insurance as a 19-year-old

The single most important strategy to find cheap insurance as a 19-year-old — or at any age — is to shop around. Insurers price customers on a variety of factors, and the cheapest insurance company for you may be completely different from that of your high school friend or college roommate.

While shopping around, young drivers can also save by staying on their parents' policies or seeking to take advantage of all available discounts.

Shop around for car insurance

Whether they're looking for insurance for a sports car or a van, 19-year-olds should shop for quotes across multiple insurers to see if they can find competitive car insurance rates. Younger drivers are charged more by insurance companies, but the costs vary by company, and certain insurers impose less severe rate hikes for young drivers. For 19-year-olds, we recommend Erie, USAA and Geico where available, but the best company for you may be different.

Remain on your parents' policy

If you still live at home, you can remain on your parents' auto insurance policy. This makes the policy more expensive for your parents, but the higher rate is generally cheaper than the combined price of having two separate policies.

If a teenage driver is away from home for much of the year, they may be eligible for a "student away from home" discount, which can be up to 25%.

Take advantage of insurer discounts

A 19-year-old driver can take many steps to prove they're safer candidates for auto insurance coverage and discount the high rates charged by insurance companies. These include being a good student, taking defensive driving courses, maintaining a clean driving record and building a strong credit score.

Methodology

We collected quotes for full coverage in thousands of ZIP codes across nine of the most populous states in the country. Our sample drivers were single 19-year-old male and female drivers who drove a 2015 Honda Civic EX with a clean driving record. Coverage levels were slightly more than what's required for any state's minimum coverage:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protectionMinimum when required by state

We included 29 insurance companies in this analysis, though insurer rates were only included in our list of average prices and recommendations if their policies were available in at least three of the nine states. ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.