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

For full coverage, the average cost of auto insurance for 19-year-olds is $6,182 per year or $515 per month. Younger drivers are deemed higher-risk drivers and must pay more for car insurance than older drivers. For buyers looking for the most economical choice, we discovered that Erie Insurance offers the cheapest vehicle insurance for 19-year-olds.

Based on our study of thousands of prices across nine states, we discovered that Erie has the lowest auto insurance for 19-year-old drivers, at $2,531 per year for full coverage. You should compare auto insurance quotes yourself and take advantage of discounts to acquire the best cost, as premiums for 19-year-olds can range by $7,719 per year.

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What is the cost of auto insurance for a 19-year-old?

Full coverage automobile insurance for 19-year-old costs $6,182 per year on average, however, charges vary greatly by an insurer. Erie Insurance is expected to be the cheapest of our qualifying insurers, with an average cost of $2,531. However, Erie is only offered in 13 states around the country. USAA is ranked second, however, only current and former members of the military, as well as their families, are eligible for a USAA policy. Geico is the cheapest vehicle insurance carrier for 19-year-olds in all states, with a rate of $3,381 per year.

The huge range of prices demonstrates why auto insurance buyers, particularly young drivers, should constantly shop around for the best vehicle insurance rates. Our 19-year-old driver's insurance is about $8,000 less expensive with Erie than with Allstate, the most expensive insurer.

Male 19-year-old drivers pay more for auto insurance than female 19-year-old drivers do.

The average cost of automobile insurance for male drivers is higher than for female drivers. Insurers consider men to be riskier drivers than women, especially at younger ages. Men pay an average of $6,468 per year for 19-year-olds, while women pay $5,895.

This trend, however, does not apply to all states. California, Hawaii, Massachusetts, sections of Michigan, Montana, North Carolina, and Pennsylvania have all prohibited the use of gender as a variable in rate determination, which means that male and female drivers will pay the same amount for vehicle insurance if all other factors remain constant.

The cost of car insurance varies according to age.

For young drivers, auto insurance costs normally decrease with age, and just a few years can make a significant difference in premiums. The average premium for a 19-year-old, for example, is $1,214 less than the rate for an 18-year-old. As you become older and get more driving experience, your rates will continue to fall dramatically. The only exception is if you do not maintain a clean driving record.

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

The graphic below depicts the lowest insurance providers for a 19-year-old driver in nine of the country's most populous states.

State-by-state comparison of the best vehicle insurance for 19-year-olds

We evaluated vehicle insurance premiums for seven of the most populous states in the country — because costs vary widely by state — and ranked the states based on insurance cost.

North Carolina is the cheapest state in our survey for 19-year-old vehicle insurance, with an annual premium that is about two-thirds less than the national average. Michigan is an exception and by far the most costly state, with annual insurance prices for 19-year-olds about three times more than the national average.

Michigan's high costs emphasize the value that consumers might obtain by shopping elsewhere. A Progressive vehicle insurance coverage for a 19-year-old in Michigan costs an average of $3,349 per year, whereas the state average is $18,517 per year.

How to Find Low-Cost Auto Insurance as a 19-Year-Old

Shopping around is the single most crucial method for finding cheap insurance as a 19-year-old — or at any age. Customers are priced by insurers based on a range of factors, and the cheapest insurance company for you may be very different from that of your high school classmate or college roommate. While searching around, young drivers can also save money by staying on their parents' policy or finding out all available discounts.

When looking for vehicle insurance, shop around.
Whether they're seeking insurance for a sports car or a van, 19-year-olds should compare quotes from multiple insurers to see if they can get affordable car insurance. Insurance companies charge younger drivers more, but the charges vary by firm, and some insurers apply less severe rate spikes for young drivers. Where accessible, we recommend Erie, USAA, and Geico for 19-year-olds, but the best company for you may be different.

Continue to be covered by your parents' insurance policy.
If you still live at home, you can continue to be covered by your parents' auto insurance coverage. This increases the cost of the insurance for your parents, but the increased rate is often less expensive than the combined cost of having two separate plans. If an adolescent driver is away from home for a significant portion of the year, they may be eligible for a "student away from home" discount of up to 25%.

Make use of insurance discounts.
A 19-year-old driver can take several actions to demonstrate that they are a safer candidate for auto insurance coverage and to reduce the high prices charged by insurance companies. Being a good student, completing defensive driving courses, keeping a clean driving record, and earning a great credit score are all examples.