Compare 19-Year-Old Driver Car Insurance Rates [2024]
Car insurance for a 19-year-old is higher than rates for experienced drivers because teenagers are considered high-risk drivers. The average car insurance rates for 19-year-old drivers is $691/month. Average car insurance for a 19-year-old female is cheaper than for a 19-year-old male. Find cheap car insurance for 19-year-old drivers by comparing quotes from multiple companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Nov 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- It’s important that drivers of all ages have auto insurance.
- 19-year-olds will pay more for their auto insurance than experienced drivers.
- Insurance quotes for a 19-year-old male will be higher than for a female.
- You won’t see your car insurance rates drop until you’ve accumulated between three and five years of driving experience.
- In most states, drivers who have had their license for three straight years will qualify for good driver discounts.
- It’s best for teens to stay on their parent’s insurance until they no longer live at home to save money.
Do 19-year-olds pay more for car insurance?
Why is the average cost for car insurance for 19-year-olds so high? It has a lot more to do with statistics than the people behind the wheel. Auto insurance rates are calculated by using data and looking at probabilities. Since rating factors change the statistical likelihood of a claim, it’s important to know why statistics work against teen drivers.According to the CDC, 2,364 teens were killed in 2017 from car accidents. Another 300,000 were treated for injuries. The Insurance Institute for Highway Safety (IIHS) reported that in 2017, car accidents were one of the leading causes of death for 13 to 19-year-olds.Here are some other statistics that demonstrate why teen rates are high:
- 33 percent of teen deaths are caused by motor accidents
- Teens have higher crash rates than any other drivers
- One out of five teen drivers will have an accident in the first year of driving
- Six teens die of motor vehicle accident injuries daily
- The crash rate per mile is three times higher for drivers 16 to 19
- Teens are responsible for more property damage in accidents than any other age group
Auto insurance policies take How much higher are car insurance rates for teens? Take a look at this table to see the difference age plays in determining rates.
| Companies | Average Annual Rates for a Single 17-Year-Old Female | Average Annual Rates for a Single 17-Year-Old Male | Average Annual Rates for a Single 25-Year-Old Female | Average Annual Rates for a Single 25-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female | Average Annual Rates for a Married 35-Year-Old Male | Average Annual Rates for a Married 60-Year-Old Female | Average Annual Rates for a Married 60-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| USAA | $4,807.54 | $5,385.61 | $1,988.52 | $2,126.14 | $1,551.43 | $1,540.32 | $1,449.85 | $1,448.98 |
| Geico | $5,653.55 | $6,278.96 | $2,378.89 | $2,262.87 | $2,302.89 | $2,312.38 | $2,240.60 | $2,283.45 |
| Nationwide | $5,756.37 | $7,175.31 | $2,686.48 | $2,889.04 | $2,360.49 | $2,387.43 | $2,130.26 | $2,214.62 |
| State Farm | $5,953.88 | $7,324.34 | $2,335.96 | $2,554.56 | $2,081.72 | $2,081.72 | $1,873.89 | $1,873.89 |
| American Family | $5,996.50 | $8,130.50 | $2,288.65 | $2,694.72 | $2,202.70 | $2,224.31 | $1,992.92 | $2,014.38 |
| Farmers | $8,521.97 | $9,144.04 | $2,946.80 | $3,041.44 | $2,556.98 | $2,557.75 | $2,336.80 | $2,448.39 |
| Progressive | $8,689.95 | $9,625.49 | $2,697.73 | $2,758.66 | $2,296.90 | $2,175.27 | $1,991.49 | $2,048.63 |
| Allstate | $9,282.19 | $10,642.53 | $3,424.87 | $3,570.93 | $3,156.09 | $3,123.01 | $2,913.37 | $2,990.64 |
| Travelers | $9,307.32 | $12,850.91 | $2,325.25 | $2,491.21 | $2,178.66 | $2,199.51 | $2,051.98 | $2,074.41 |
| Liberty Mutual | $11,621.01 | $13,718.69 | $3,959.67 | $4,503.13 | $3,802.77 | $3,856.84 | $3,445.00 | $3,680.53 |
Teen drivers pay an average of $691 a month for car insurance. Insurance premiums do end up becoming lower; the average monthly rate drops to just $233 once the driver turns 25.
How are car insurance rates determined?
The most common factors that are considered when determining auto insurance rates are:
- Age
- Driving experience
- Gender
- Driving habits
- Motor vehicle record
- Accident history
- Vehicle type and safety record
- Coverage limits
- Rating territory
- Credit-based insurance score
The following video further explains the factors affecting car insurance rates.https://youtu.be/-QfmcoYYb5EIn some states, insurers can’t raise rates for age-related reasons. You’ll have to shop for coverage to see if this applies to your state or not.Car insurance for a 19-year-old new driver will be higher than a driver that started at age 16.
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Is there a difference between male and female drivers?
Are average car insurance rates for a 19-year-old female cheaper than the average cost of car insurance for a 19-year-old male?It might surprise you to learn that auto insurance rates are affected by age and gender. Average 19-year-old car insurance rates for a teenage male are high because they are in the highest risk class. Why is this?
- Males between 15 and 20 have a death rate two times higher than females
- Males under 20 years old cause damages of $19 billion in accidents, whereas females cause damages of about $7 billion
- Natural competitiveness, testosterone, and impulsive tendencies are believed to contribute to the skewed statistics
The standard auto insurance rate for a 19-year-old female driver is still high, just not quite as high as the average car insurance rates for a 19-year-old male
How much more do males pay for insurance than females?
It’s difficult to say exactly how much more a male will pay for coverage than a female.
Over a male’s lifetime, they’ll pay around $15,000 more on car insurance rates.
For one year’s rate, male drivers will boost an existing policy’s rates an average of 98 percent and female drivers will boost rates by about 73 percent.
When will you see your rates go down?
It’s very important to keep your record blemish-free while you’re young when you want to keep your rates reasonable. A clean driving record will be regarded favorably with most any auto insurance company.
In most cases, teens with the unrestricted license can get a good driver discount after they’ve had their license for three years.
In states where the discount is available, you can expect a drop in your rates after you have three years of experience.
Some companies will only give teen drivers discounts when they have five years of experience.
The biggest drop will be when a driver has nine years of licensing history.
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What do you need to do to get your own car insurance policy?
There comes a time when an insurance policy will no longer cover certain age groups. You’ll want to check with your insurance provider, to make sure that if you have any teenage drivers, they’re covered up until a certain age.Now, if you move out of your parent’s home and into your own, you won’t be able to save money by being on your parent’s car insurance any longer. You need to buy your own coverage so you can establish your own insurance history.There is no single best car insurance company for 19-year-olds. Shop around so you can find a rate that best fits into your budget.
Is it best to buy your own insurance when you live in your parent’s home?
If you’re still living in your parent’s home, that doesn’t stop you from buying your own car and then applying for your own individual policy.Can a 19-year-old get car insurance on their own? Yes, but it might not be a great idea; insurance costs can be a lot for a teen to handle. Here are some of the benefits of staying on your parent’s policy:
- You can get multi-car discounts on your vehicle by adding your policy to your parents’ insurance.
- You’ll qualify for all of the loyalty discounts that your parents are already receiving.
- If your parents have other lines of insurance, you’ll receive a multi-line discount on your car’s rate.
- You may be able to be rated as a secondary operator if there are multiple experienced drivers in the home.
Staying on your parent’s policy as long as you can is beneficial. If you live with your parents, you qualify for coverage under their policy even when you own your own car. You can also qualify for their coverage because you’re still a resident relative and a dependent.
Can you get car insurance with your parents when you’re in college?
If you’re going off to college, that doesn’t mean you’ll be kicked off your parent’s policy. If you’re going away without a car, you may be eligible for some full-time student insurance discounts.This can save everyone money while still guaranteeing you’ll have protection when you’re visiting home or renting or borrowing a car.
If you’re taking your car with you, you still can keep the car on the policy as long as the vehicle stays registered in the state.
By keeping your residency at your parent’s address, you’ll still be eligible for car insurance for a 19-year-old college student combined with your parents. This is good news when you’re living on a student’s budget, since there is suddenly a wide range of financial needs what with the cost of books and housing.Need to buy 19-year-old car insurance now? There are plenty of policy service options out there, waiting to be looked at. Start comparison shopping today for cheap insurance quotes for 19-year-olds by using our free online quote tool. Enter your ZIP code to compare the cheapest auto insurance for 19-year-olds.
Frequently Asked Questions
Do 19-year-olds pay more for car insurance?
Yes, car insurance rates for 19-year-olds are generally higher due to their high-risk status.
Why is the average cost for car insurance for 19-year-olds so high?
The high rates are based on statistics and probabilities. Teenagers have higher accident rates, making them riskier to insure.
How much higher are car insurance rates for teens?
On average, 19-year-old drivers pay around $691 per month for car insurance. The rates decrease as they gain more driving experience.
How are car insurance rates determined?
Car insurance rates are determined based on factors such as age, driving record, type of vehicle, location, and coverage options.
Is there a difference between male and female drivers?
Yes, there is a difference. On average, car insurance rates for 19-year-old males are higher than for females of the same age.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.