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UPDATED: Mar 13, 2020
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Most people know that teenagers pay the highest insurance rates of all drivers. Whether you’re providing insurance for your child or are buying your first auto policy as a young adult, it’s a good idea to get an estimate on the cost of your coverage. Determining the price of coverage in advance will enable you to budget accordingly; it will also help you compare rates to find the best possible rates.
Although young drivers pay more for insurance, not all 19-year-old drivers will pay the same premiums. Many different factors influence the cost of coverage. As a rule, people with a high risk of being involved in an accident will pay the most for insurance. Risk is based on a driver’s actual driving history in addition to statistical factors based on the driver’s demographic information. When you’re young, these statistics make up a greater portion of your rates since there is less driving history to base your premiums upon.
Some factors, like gender and geographic location, are not easily changed by the insured; others, like grades and annual mileage, are within the driver’s control. In order to get the best possible rates as a young driver, it’s important to focus on ways to keep costs down:
— Maintain Good Grades
Most insurance companies offer discounts to students with a 3.0 GPA or higher, and some companies offer these discounts to alumni for several years after graduation.
— Drive Safely
This doesn’t just mean avoiding accidents, although that certainly plays a huge role in keeping insurance costs down. Safe driving habits also include avoiding tickets for speeding, running red lights and other traffic infractions. Being ticket-free can keep your costs down.
— Drive a Safe Car
Some vehicles are cheaper to insure than others. When shopping for a teenager’s first car, be sure to pick something with a low cost of coverage. The cheapest vehicles to insure will be those with high safety ratings, anti-theft devices and a low repair cost.
— Maintain Low Mileage
If you drive primarily for pleasure and don’t need a long commute to school or work, you may qualify for a low mileage discount. People who avoid driving during peak traffic hours and maintain low annual mileage can save substantially on insurance when compared to people who commute long distances.
— Keep Good Credit
When you’re young, you have a clean slate when it comes to credit. Insurance companies tend to charge higher rates with poor credit, so maintaining a positive credit history will help keep your rates down in the long run.
— Comparison Shop
Not every insurance company will offer the same rates, and some companies give better discounts to young people than others. To get the best possible price on insurance as a teen, be sure to get quotes from multiple different companies.
By utilizing these discounts, young drivers can maximize their savings. Over time, as you accrue more experience behind the wheel, your rates will continue to decrease. In most cases, it takes about three years for your driving history to count toward safe driving discounts. Therefore, if you buy your first policy at 19, your rates should begin to decrease by age 21. Many people, especially young male drivers, also experience substantial savings after they turn 25.
How much does Car Insurance Cost for a 19-Year-Old?
In addition to your unique risk factors, insurance costs will vary from one state to the next and depend on the amount of coverage that you buy. Full-coverage insurance will cost more than a liability-only policy, and insurance with high deductibles will be cheaper than the same policy with a lower deductible.
On average, a 19-year-old male will pay anywhere from $1,200 to $2,600 per year. Female drivers will pay slightly less for these same policies. With multiple tickets or accidents, that figure can go up to nearly $4,000 each year, and it may be more difficult to get coverage if you have had multiple collisions.
Of course, this is an average cost, and it will change from one region to the next. For example, average insurance prices in Michigan are twice as high as in Vermont; the same driver with the same policy will pay lower rates from one state to the next.
Because there are so many variables involved, it’s impossible to predict exactly how much your insurance policy will cost. It’s best to get a personalized quote from multiple insurance companies so that you can determine how much your policy will cost.