With the right policy and discounts, you can control costs of your teenage driver.
What is the typical cost of car insurance for a 19-year-old driver? It's generally known that teenagers are pricey to insure as a demographic because they are still new to the roads. The good news is that 19-year-olds are much cheaper to insure than 18-year-olds, especially if you take advantage of discounts.
This guide will explain how to find the best insurance for teen drivers and provide tips for ways to lower premiums.
The number one piece of advice we give anyone shopping for insurance is to compare car insurance quotes. Enter your zip code into our comparison tool or call (844) 246-8209 to get an idea of how much your insurance will cost. Also be sure to read our review of the best auto insurance companies where we evaluate the top companies based on coverage, customer service, cost, financial strength, availability, and technology.
In this article:
- How Much Is Car Insurance For A 19-Year-Old?
- What Factors Influence The Cost Of Car Insurance For A 19-Year-Old?
- How To Find Cheap Car Insurance For A 19-Year-Old
- Best Insurance Companies For Teen Drivers
- FAQ: Car Insurance For 19-Year-Olds
How Much Is Car Insurance For A 19-Year-Old?
We examined average car insurance rates by age and found that drivers between 30 and 65 see the lowest premiums. Teenage drivers pay some of the highest rates, though there is a big difference between the average cost for 16-year-old and 19-year-old drivers.
According to Forbes, adding a teen driver to a married couple’s car insurance policy increases rates by an average of 79 percent. But that number falls to about 58 percent once the driver turns 19 years old. How much you pay depends on a lot of things, like your exact location and the driver’s gender, in some cases.
What Factors Influence The Cost Of Car Insurance For A 19-Year-Old?
Auto insurance rates vary depending on a number of demographic details. Car insurance for 19-year-olds is particularly expensive because these drivers are seen as less risk-averse and more likely to get into an accident resulting in a claim. The other factors that commonly impact premiums are:
- Marital status
- Credit score
- Driving history
- Vehicle make and model
Insurance for a 19-year-old is generally costly, not only because of the driver’s age but other factors that likely apply to teenagers. Young drivers usually have short driving histories and low credit scores. These things further impact premium rates.
Many people wonder about the role gender plays in finding cheap car insurance for your teenager. While typically the average cost of car insurance for males who are 19 tends to be pricier than that of females who are 19, this trend tends to level out with age and maturity.
Car insurance is required in nearly every state. However, not every state has the same minimum coverage requirements. Check the specifics in your state for more information.
Most of the time, states require bodily injury liability insurance and property damage liability insurance. The common types of auto insurance coverage are detailed in the chart below.
Bodily injury liability (BI)
When you are at fault for an accident, this covers medical payments for the other driver.
Property damage liability (PD)
When you are at fault for an accident, this covers vehicle repair costs for the other driver.
Uninsured/underinsured motorist (UM/UIM)
When the other driver is at fault for an accident and does not have enough insurance, this covers your repair and medical costs.
When your vehicle is damaged by a non-collision event such as theft or hail, this covers your repair or replacement costs.
Regardless of who is at fault for an accident, this covers repair costs for your vehicle.
Medical payments coverage (MedPay)
Regardless of who is at fault for an accident, this covers medical payments for you and your passengers.
Personal injury protection (PIP)
This is similar to medical payments, except it will also cover lost wages and death benefits.
The cost of car insurance will change depending on which type of policy you purchase. If you can afford it, you want full coverage. Consider buying comprehensive and collision coverage in addition to the state minimum liability requirements.
How To Find Cheap Car Insurance For A 19-Year-Old
There are many good strategies for securing low rates on car insurance for a 19-year-old. The best option is to insure teenage drivers on their parent’s policies. Adding a dependent to your policy will increase your rates by a lot, but not by as much as it would cost to purchase a separate policy for a teenager.
Some discounts commonly offered by insurance providers may apply to your situation. Contact your insurance provider and ask about the following types of discounts:
- Safe driving discount
- Good student discount
- Student away at school discount
- Low mileage discount
Some providers also offer discounts for anyone who completes a defensive driver course. In a few states, insurance carriers are required to reduce rates for customers that complete a state-approved defensive driving course. These states include:
Even if you don’t happen to live in one of these states, ask your provider about defensive driving discounts. Some will offer reduced car insurance premiums even if the state does not compel them to do so.
Another way to lower premiums is to opt for a higher deductible. You will have more out-of-pocket costs if you need to file a claim, but this could be worth it.
Finally, a good credit score will also help you save money. While it takes time to build credit, there are a few things teenagers can do. Start using a credit card as soon as possible, being sure to pay off your full balance on time every month. Having a job can also increase your credit score and ultimately decrease your insurance costs. These are long-term strategies to consider some time before your teen is ready to purchase insurance.
Best Insurance Companies For Teen Drivers
The first step to buying car insurance for anyone – teenager or otherwise – is to compare prices. Age isn’t the only factor that affects rates. Your zip code, car, and gender all play a role. To find the best car insurance for teens, start comparing prices using our quote comparison tool, or call (844) 246-8209.
#1 Geico: Best Overall
In our Geico auto insurance review, we found this auto insurance provider to be one of the #1 choices for young drivers. Geico has many discounts that can apply to teenage drivers, including:
- Good student discount
- Good driver discount
- Airbag discount
- Seat belt use discount
- Defensive driving discount
- Membership discount
- DriveEasy app
Geico is a full-service provider and offers add-ons like roadside assistance and mechanical breakdown insurance. AM Best rates Geico’s financial strength at A++, which is the highest score possible. We give Geico 4.5 stars out of 5.0 and recommend it for anyone, not just teenage drivers.
#2 USAA: Best For Military
USAA car insurance is another top recommendation for teenagers that qualify. Our team rated it 5.0 out of 5.0 stars. Similar to Geico, USAA has good discount opportunities for insurance for 19-year-olds:
- Good student discount
- Multi-vehicle discount
- Safe driving discount
- Driver training discount
Only military service members and their families are eligible to purchase a USAA policy. If you can, we highly recommend it. In our USAA auto insurance review, our team found that it has low premiums and well-regarded claims servicing. The J.D. Power 2019 Auto Claims Satisfaction StudySM gave USAA a score of 5 out of 5 and it scored 900/1,000 points in the U.S. Insurance Shopping Study.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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