Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 23, 2020

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Things To Know:

  • Teen drivers pay the highest insurance rates of any age group
  • 19-year-old make drivers pay higher rates than females of the same age
  • Discounts like good student and d can help reduce rates

Most people know car insurance for young drivers comes with high insurance rates. 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.

How much is car insurance for a 19-year-old? Determining the price of coverage in advance will enable you to budget accordingly. It will also help you compare quotes to find the best possible rates.

Can a 19-year-old get car insurance to begin with? Short answer, absolutely. Let’s dig into the details.

Put your ZIP code into our helpful tool at the top to comparison shop for the best car insurance rates for yourself.

How much can a 19-year-old expect to pay for car insurance?

How much is car insurance for a 19-year-old a month? As we said before, teenagers pay the highest amount in premiums out of all demographics, so you may want to do some research to see who has the best car insurance rates for teenagers. Male teens pay even more than female teens. It all boils down to statistics, or lack thereof.

Insurers operate by perceived risk. Someone who is just getting behind the wheel is also just getting to show their responsibility. At that point, though, insurers don’t know a good teen driver from a bad teen driver, so they must exercise caution by expecting a higher probability of receiving a filed claim. This is why, for instance, Geico insurance for 19-year-olds will always be higher than a 26-year-old’s car insurance.

What you drive plays a huge part in premiums as well. This is because certain vehicles are more likely to be part of an accident. How much car insurance for a 19-year-old with a sports car is will be far different from a Honda Civic owner, for instance.

Check out this list of deadliest teen drivers by state to see how where you live stacks up.

This thought process extends even further in terms of young male drivers. According to the CDC, male drivers are statistically are more likely to get in an accident than female drivers. Insurers take note of this and raise premium rates accordingly. So, really, there is no so-called best car insurance for a 19-year-old boy.

Below, we’ll break it down further by gender.

Car Insurance for a 19-Year-Old Woman

Although young drivers’ car insurance is statistically more expensive, 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.

They’ll likely have to pay for high-risk car 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.

There are two pieces of good news for 19-year-old females. One is that women are seen as less likely to file a claim, so they’re charged a lighter premium than males. The second is that 19-year-olds are less likely to file a claim than 16-year-olds, 17-year-olds, or even 18-year-olds.

The following table shows the average annual premiums, six-month average premiums, and average monthly premiums for women aged 17 and women aged 19.

Average Car Insurance Rates for 17-Year-Old vs 19-Year-Old Females
Average Car Insurance Rates17-year-old Female19-year-old FemalePercent Difference
Average Annual Rates$6,396.46$4,334.0032.2%
Average Six-Month Rates$3,198.23$2,167.0032.2%
Average Monthly Rates$533.04$361.1732.2%
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As you can see, even with as small an age jump as two years, premiums can decrease by nearly a third with safe driving on one’s record.

Next, let’s look at rates for 19-year-old males.

Car Insurance for a 19-Year-Old Man

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. 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’ve had multiple collisions. Of course, this is an average cost, and it will change from one region to the next. The best car insurance for a 19-year-old boy will vary by location.

The next table will show premium rates for 17-year-old male drivers and 19-year-old male drivers.

Average Car Insurance Rates for 17-Year-Old vs 19-Year-Old Males
Average Car Insurance Rates17-year-old Male19-year-old MalePercent Difference
Average Annual Rates$7,347.87$6,021.0018%
Average Six-Month Rates$3,673.94$3,010.5018%
Average Monthly Rates$612.32$50218%
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See how much more it costs to be a 17-year-old male driver than their female counterpart? In fact, the difference is almost $1,000 annually. Furthermore, while females experience an average percentage decrease of 33 percent when comparing their rates at ages 17 and 19, males experience only an 18 percent decrease.

While that percentage decrease may not be as glamorous on the surface, it goes to show that continued safe driving time behind the wheel can lead to further decreasing rates.

Next, we’ll go into other ways to decrease your rates.

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Cheap Car Insurance for a 19-Year-Old

Can a 19-year-old get car insurance on their own? The answer is yes. Technically, even a 17-year-old is able to get their own car insurance, they would just need a parent or guardian to sign on the policy as well.

So, yes, a 19-year-old can get their own car insurance, it just might not be a cheap as they would hope.

How much is car insurance for a 19-year-old a month? Let’s take a look at some numbers

How much is full coverage car insurance for a 19-year-old? On average, it can run a tab of up to $6,000 annually. Monthly, it’s a whopping $500. And remember, this means car insurance for a 19-year-old male, monthly, could be even higher.

Not all rates are that high, though. For instance, Geico insurance for 19-year-olds costs about $199 a month, whereas Progressive car insurance for 19-year-olds costs a bit more, at an average of $318 per month. That’s a sizable increase, but it still goes to show that not every 19-year-old will be paying $6,000 a year.

As you can see, average car insurance rates by age per month depend on many factors, including which insurer you go through.

So, now you may be asking yourself how you can ensure that you are not paying an astronomical $6,000 a year.

Some factors such as gender and geographic location aren’t easily changed by the insured. Other factors such as grades and annual mileage are within the driver’s control and can yield the result of discounts. To get the best possible rates as a young driver, it’s important to focus on ways to keep costs down.

Up next, we’ll look into the various ways you can save on your premiums.

Car Insurance Discounts for a 19-Year-Old

There are many routes you can take with insurers to chip away at the cost of your premiums. First, here’s a video about how car insurance can vary due to multiple factors.

Let’s look into how having a good grade point average can help you lower your premium rates.

Have 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. This next table will show the companies that have good student discounts as well as comparable age-based discounts. These discounts are usually provided to people under the age of 25 who keep a B average.

Car Insurance Discounts for Young Drivers and Students
CompaniesYoung DriverGood StudentDistant Student Students & Alumni
21st CenturyYesYesNoNo
AAANoYesYesNo
AllstateNoYes – 20%Yes – 35%No
American FamilyNoYesYesYes – University of Wisconsin
Ameriprise NoYesYesNo
AmicaNoYes – 10%YesNo
Country FinancialYes – 10%Yes – 25%, B average or better NoNo
EsuranceNoYes – 10%NoYes – 15%, PAC 12 schools
FarmersNoYesYesNo
Geico NoYes – 15%YesYes
Liberty MutualYes – 5% for newly licensedYes – 22.5%NoYes – 10%; 5% for new graduates
MetLifeNoYes – 15%, Full-time, under 25, singleNoYes
NationwideNoYes – 10%, 15 to 24 years oldYes – 10%Yes – 7%, Member of partner businesses, unions, schools, or associations
ProgressiveYes – 18 or younger Yes – 21 or younger Yes – Age 22 or younger No
Safe Auto NoYes – 10%, 25 or younger in GANoNo
SafecoYesYes – 15%, B average or better; Drops 1% each yearYes – 15%No
State FarmNoYes – Up to 25% until age 25Yes – Under age 25, 100+ miles awayNo
The GeneralNoYes – 8%NoNo
The Hanover NoYes – 5%; High school students who are accident & ticket freeYes – 5%No
The HartfordNoYes – 3%Yes – 3%No
Travelers NoYes – 8%, Full-time, 16 to 25 years old, B average or better Yes – 7%, 25 and under, 100+ miles away No
USAA Yes – $5–$50 gift card
for 15 to 19-year-olds w/good driving behavior who complete 100-hr program
Yes – 3%, 3.0+ GPA; lasts 3 years; Not available in HI, NC, or NY Yes – 100+ miles awayNo
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All insurers offer a discount for good students so no matter what insurer you choose it would prove beneficial to inquire about this useful discount. Car insurance for a 20-year-old college student, while possibly slightly less expensive than for a 19-year-old, is still likely to be expensive. You are most likely going to want to take advantage of this price reduction should you attend a university.

How much is car insurance for an 18-year-old male per month? Well, an 18-year-old pays an average of about $7,200. Even when the price for car insurance goes down as one advances in years, it is still an astronomical rate. 20-year-olds pay an average of $5,333, but how much is car insurance for a 21-year-old? 21-year-olds pay an average of about $4,450. While better than $7,200, these are still rates you most likely would like to be lowered.

The good news is, once you’re over 25 rates go down. 26-year-old car insurance is significantly cheaper.

Here’s a quick video that shows an example of a good student discount.

Next up, we’ll look into how much using your vehicle can affect your rates.

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.

Many insurance providers give a discount for low mileage as well. If you’re 19, this may just apply to you. The table that follows shows the providers that give a low-mileage discount.

Car Insurance Companies With Discounts for Low-Mileage
CompaniesDiscount Details
AAANo further information available
AllstateUnder 8,000 miles annually
American FamilyNo further information available
Amica10%
Country FinancialPolicyholders can get a lower rate for "Pleasure Use" only
Esurance15%, CA only
FarmersNo further information available
GeicoNo further information available
Liberty MutualTypically less than 5,000 miles annually. CA plans focus more on miles than those in other states
MetLife"Pleasure Usage" less than 7,500 annually
NationwideOnly in CA, under 10,000 miles annually
ProgressiveOnly in CA and TX, must be under 10,000 annually
Safeco20%, 4,000 or less miles per year gets the highest discount, up to 25,000 annual miles can get a discount
State Farm30%, under 7,500 annual miles with proof
The GeneralGreat discount if under 5,000 annually
The HanoverNo further information available
The HartfordBased off historical mileage
TravelersLow mileage discount only available if using IntelliDrive
USAAUnder 10,000 miles annual for drivers over 29. Not available in HI or NC
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Most companies offer a discount for low mileage. In fact, the only exceptions are 21st Century, Ameriprise, and Safe Auto.

Next, let’s get into how a good credit score can help you save money on car insurance premiums.

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Keep Good Credit

When you’re young, you have a clean slate when it comes to credit. Insurance companies tend to charge higher rates for people with poor credit, so keeping a positive credit history will help keep your rates down in the long run. This next table shows the companies that offer a discount to those with good credit.

Car Insurance Companies With Discounts for Good Credit
CompaniesDiscount Details
Nationwide"Financial Stability", must also have stable residence
ProgressiveNo further information available
SafecoNo further information available
State Farm No further information available
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Not many companies offer a discount for good credit. However, if you have good credit, it wouldn’t hurt to ask your chosen provider when the time comes.

Teen Driver Safety

You care about being able to get from point A to point B, right? Even more important than that is getting from point A to point B safely. Fortunately, when it comes to premiums, the two can go hand in hand. Insurers lower rates when drivers prove that they can responsibly operate a motor vehicle. Let’s go into how safe behavior and even safe vehicle features can affect your premiums.

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.

Let’s look at a table that shows various safe driving-related discounts.

Car Insurance Discounts for Safe Drivers
CompaniesClaim FreeDriver's Ed Garaging/
Storing
Safe Driver
21st CenturyYesYesNoYes
AAAYesYesNoYes
AllstateYesYesNoYes
American Family YesYes NoYes
Ameriprise YesNo YesYes
AmicaYesYesYesYes
Country FinancialYes – Accident free for 3+ yearsYesNoNo
EsuranceYes – Covered drivers 5+ years without at-fault accident or DUI/DWIYesNoYes – Valid drivers license for at least 3 years with 1 or 0 points
FarmersYesYesYesYes
GeicoYes – 5 years accident freeYes NoYes
Liberty MutualYesYes – Must take teenSMART classNoNo
MetLifeYesYes – "Driver Improvement"
90-minute online course
NoYes
NationwideYesNoNoYes
Progressive YesYesNoYes
Safe Auto YesYesNoYes
SafecoYes – No at-fault accidents in 3 years; 1 or 0 points on license; No DUI in last 10 years
Yes – Under 21; 3 years accident free NoYes – No at-fault accidents in last 3 years; 1 or 0 points on license; No DUI in last 10 years
State FarmYes – Customer for min. 3 consecutive years without an accidentYes – Under 25, ticket free 3 years; Must watch videos and complete trip log onlineNoYes – New customers only with 3 years accident free
The GeneralYesYesNoYes
The Hanover YesYes – Lasts up to 3 years; Discount drops at 19NoNo
The Hartford YesYes – Under 25; Only in GA YesYes
TravelersYes – Accident and violation freeYes – Under 21YesYes
USAAYes Yes – Under 21; not available in HI, NC, or NYYes – Secure location for at least 30 days; Not available in
CA, HI, NC, or VA
Yes – Clean driving record for 3+ years; Not available in HI
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There are several discounts for safe driving. For one, non-mandatory driver’s ed is seen as a plus by insurers. Geico offers a discount for wearing your seat belt. Even simple things such as keeping your car in storage or in a garage can lower your premiums.

This is because insurers are all about risk, and if your car sits readily available for break-ins in a high crime area, an insurer is going to see that as a greater probability for a filed claim.

Only 21st Century offers the non-smoker/non-drinker discount. While somewhat of a rarity, this is another discount provided to individuals who could be seen as responsible and statistically less likely to file a claim.

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.

What is the cheapest car for a 19-year-old to insure? It’ll be those with high safety ratings, anti-theft devices, and a low repair cost. If you’re a 19-year-old with a Mustang, it stands to reason that you’ll be paying far more in premiums. How much is car insurance for a 19-year-old with a sports car? That depends on the type of sports car, its age, and its value.

There are many additions that can come with a vehicle that could lower your rates. Let’s look at a few examples and the companies that offer discounts in a table below.

Car Insurance Discounts for Safety Features
CompaniesAdaptive Cruise ControlAdaptive HeadlightsAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlEmergency DeploymentForward Collision Warning Green Vehicle Lane Departure WarningNewer VehiclePassive Restraint
21st CenturyNoNoYesYesYesNoNoNoYesNoYesYes
AAANoNoYesYesYesNoNoNoNoNoYesYes
AllstateNoNoYes – 10%Yes – 10%Yes – 2%Yes – 2%NoNoYes – 10%NoYesYes – 30%
American FamilyNoNoYesYesYesYesNoNoNoNoNoYes – 30%
Ameriprise NoNoYes – 3%Yes – 3%YesNoNoNoNoNoNoYes – 3%
AmicaNoYesYes – 5%Yes – 25%NoYes – 5%NoYes – 5% for beep warning; 8% for auto brakingNoNoNoYes – 30%
Country FinancialNoYesYesYes – 10%YesYesNoYesNoNoYesYes
EsuranceNoNoYes – 5%Yes – 25% YesNoNoNoYesNoYesYes – 33%
FarmersNoYesYesYesYesYesNoNoYes – 5%NoYesYes
GeicoNoNoYes – 5%Yes – 25%Yes – 1% in
LA & NY only
NoYes – 25%NoNoNoYesYes – 40%
Liberty Mutual Yes – 5%Yes – 5%Yes – 5%Yes – 20% off comprehensiveYes – 5%Yes – 5%NoYes – 5%Yes – 10%YesNoYes
MetLifeYesYesYes – 5%Yes – 10% for VIN etching and vehicle recovery
Yes – 5%YesNoYesNoYesYesYes – 5%
NationwideYesYesYes – 5%Yes – 25% with vehicle recovery discount Yes – 5%YesNoYesNoYesYes – less than 5 years oldYes – 20%
ProgressiveYesYesYesYesYesYesNoYes – With VINNoYes – With VIN YesYes
Safe AutoNoNoYes – 5%YesYes – 5%NoNoNoNoNoYesYes – 5%
SafecoNoNoYesYesNoNoNoNoNoNoYesYes – 2%
State Farm NoNoYes – 5%Yes – 15% off comprehensive coverage;
Higher discount for "engine cut-off"
NoNoNoNoNoNoYes – 40% off medical-related coverage for cars
'94 or later, depending on make and model
Yes – 40% off medical-related coverage for cars '93 and newer
The GeneralNoNoYes – 8%Yes – 8%NoNoNoNoNoNoNoYes – 8%
The HanoverNoNoYes – 5%Yes – 5%Yes – 5%NoNoNoNoNoNoYes – 5%
The HartfordNoYes – 3%Yes – 3%Yes – 3%Yes – 3%NoNoYes – 3%Yes – 3%NoYesYes – 3%
TravelersNoNoYesYesYesNoNoNoYes – 10%, hybrid or electric NoYes – Less than 3 yrs oldYes
USAANoNoYesYesYesNoNoNoNoNoYes – 4% for 3 years;
8% for 2 years; 12% less than 1 year; Not available in NY
Yes
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Many newer vehicles on the lots these days come with at least several of these features installed. Whichever provider you choose, make sure you gain all the discounts you can.

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Comparison Shop to Find the Right Insurer for You & Your Budget

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 several different companies, such as Allstate, State Farm, or Progressive. Car insurance for 19-year-olds is certainly attainable.

By using these discounts, young drivers can maximize their savings. Over time, as you gain 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. 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.

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.

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.

Ready to look for cheap car insurance quotes for 19-year-olds? We can help. Type in your ZIP code below to shop around for cheap car insurance quotes for 19-year-olds.

Frequently Asked Questions: How much is car insurance for a 19-year-old?

Do you have questions about other age groups? Here are a few answers.

#1 – How much is car insurance for an 18-year-old male per month?

On average, almost $600

#2 –How much is car insurance for a 21-year-old?

On average, anywhere from $2,400 to $3,000