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

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Our estimated average cost of car insurance for 19-year-olds is $6,021, which is just over $500 monthly. That's about $1,000 less than the average cost for 18-year-olds ($7,179) but almost $700 more than 20-year-olds ($5,333). Younger drivers are considered higher-risk and pay more for auto insurance than older drivers on average. For shoppers looking for the most affordable option, our choice for the cheapest car insurance for 19-year-olds is Erie Insurance.

We broke down car insurance rates by company, gender and location for 19-year-olds below, but all young drivers should only use this as a general guide. To get the best rate, you should shop around for car insurance quotes yourself and take advantage of discounts, as rates for individuals can vary significantly by insurer.

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

Auto insurance costs generally decline with age, and just a few years can make a huge difference in premiums for drivers. The average 19-year-old pays over $6,000 per year in insurance premiums, almost $3,000 more per year than the average 25-year-old.

Conversely, 19-year-olds pay almost $1,000 less in premiums per year than 18-year-olds, on average.

AgeAverage annual premium
18$7,179
19$6,021
20$5,333
21$4,453
22$4,128
23$3,840
24$3,597
25$3,207

Auto insurance for 19-year-old males is more expensive than insurance for 19-year-old females

The average cost of car insurance for males tends to be pricier than that of females. For 19-year-olds, men pay $6,311 per year on average, while women pay $5,732.

This dynamic is similar for surrounding ages, with men paying about $500 to $800 more, or 10% to 11% more, for a given age.

AgeAnnual premium - maleAnnual premium - femalePercent difference
18$7,561$6,79711%
19$6,311$5,73210%
20$5,590$5,07610%

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 males and females will pay the same price for auto insurance, all else being equal.

The cost of car insurance for a 19-year-old changes by company

On average, full coverage car insurance costs $6,021 per year for a 19-year-old, but costs can vary widely by insurer. Among our qualifying insurers, Erie Insurance was estimated as the cheapest, with an average cost of $2,649.

However, Erie is only available in 13 states nationwide. USAA came in second, though only current and former members of the military and their families will qualify for a USAA policy. GEICO is the cheapest car insurance company for 19-year-olds that is broadly available to most shoppers.

InsurerAnnual premium
Erie$2,649
USAA$2,741
GEICO$3,693
Nationwide$4,945
Progressive$5,283
State Farm$5,320
Allstate$9,583

The wide range of prices show why auto insurance shoppers — especially young drivers — should always shop around. Our 19-year-old driver is almost $7,000 cheaper with Erie than the most expensive insurer, Allstate.

Best auto insurance for 19-year-olds by state

We looked at average auto insurance premiums for the 10 most populous states in the country — as costs by state vary greatly — and provided recommendations for the cheapest insurers for each.

North Carolina is the cheapest state for 19-year-old car insurance in our sample, with an annual premium almost a 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.

StateAverage 19-year-old annual premium
North Carolina$2,095
Pennsylvania$3,964
Ohio$4,072
California$4,179
Texas$4,752
Illinois$5,002
New York$5,261
Georgia$6,014
Average cost of car insurance$6,021
Florida$6,893
Michigan$17,982

High prices in Michigan reinforce the value consumers can find by shopping around. An auto insurance policy for a 19-year-old in the state costs an average of...

  • $4,584 with USAA, or
  • $6,155 with Progressive

...which is far cheaper than the overall average of $17,982.

Below are our recommendations for the cheapest auto insurance companies for a 19-year-old in the 10 most populous states.

The cheapest auto insurance company for 19-year-olds in the 10 largest states

StateInsurerAverage annual premium
CaliforniaMercury$2,725
FloridaGEICO$4,984
GeorgiaGeorgia Farm Bureau$2,885
IllinoisState Farm$2,981
MichiganProgressive$6,155
New YorkNYCM$3,900
North CarolinaGEICO$733
OhioGEICO$2,543
PennsylvaniaErie$2,887
TexasState Farm$3,716
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, Pennsylvania and Texas.

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.

19-year-olds can find cheaper rates by …

  • Shopping around
  • Remaining on their parents' policies
  • Taking advantage of insurer 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 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 you're away from home for much of the year, your parents may be eligible for a "student away from home" discount, through which they can garner savings.

Take advantage of insurer discounts

19-year-old drivers 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 thousands of ZIP codes across the 10 most populous states in the country. Our sample drivers were 19-year-old males and females who drove a 2015 Honda Civic EX. We kept all other parameters affecting auto insurance rates consistent, including that drivers were single and had a clean driving record. Coverage levels in the full coverage policy were as follows, which are slightly more than what is required for any state's minimum coverage:

Coverage TypeStudy Limits
Bodily Liability$50,000 per person/ $100,000 per accident
Property Damage$25,000 per accident
Uninsured/Underinsured Motorist BI$50,000 per person/ $100,000 per accident
Comprehensive & Collision$500 Deductible
Personal Injury ProtectionMin. When Required by State

23 insurance companies were included in the 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 10 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.

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