Cheapest Car Insurance for 19-Year-Olds

Among major insurers, State Farm offers the most affordable minimum liability coverage at around $1,152 annually. This is about 11% below average for those on family policies. Other strong contenders include Concord Group and Auto-Owners, where available.

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

The cheapest full coverage option for 19-year-olds is from Concord Group. It costs approximately $1,284 annually for a teen added to a family policy, though availability may be limited. Other affordable national providers include State Farm, Allstate and GEICO.

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Depending on the state, the cost of insurance for 19-year-olds can vary significantly, with monthly rates ranging from $54 to $305 for those on family policies. Below is a breakdown of the most affordable companies for this age group by state.

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.

Due to higher accident risks, 19-year-old male drivers typically pay higher premiums than their female counterparts. Below are the most affordable national providers for both genders.

State Farm offers the most affordable rates for 19-year-old female drivers, delivering approximately 20% savings compared to the national average. This is because data shows young women are statistically involved in fewer accidents.

Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

For 19-year-old male drivers, GEICO provides the most competitive monthly rate at $101 on a family policy for national providers. Concord Group and Auto-Owners offer more affordable rates where available. Insurance premiums for males are generally higher due to their greater statistical involvement in accidents.

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Choosing the right car can lower insurance costs significantly. If you're considering adding a 19-year-old driver to your policy, selecting a vehicle with a high safety rating and lower repair costs is beneficial. Below are the most affordable models by vehicle type to insure for 19-year-old drivers.

Rates are for drivers with clean driving records and good credit.

On average, 19-year-olds can expect to pay about $1,302 annually for minimum coverage and $2,676 for full coverage. These average car insurance costs for 19-year-olds are for drivers with clean records and good credit; individual rates will vary based on personal driving profiles.

The following table highlights average costs for adding 19-year-old male and female drivers to family policies, sorted by coverage level.

Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.

Insurance costs for 19-year-olds vary significantly by state, influenced by factors like population density, local laws and weather. Average state premiums range from $54 to $508 monthly.

Car insurance for 19-year-olds is costly because they are considered high-risk drivers. Accident and violation rates are notably higher for drivers aged 16 to 19, with fatal crashes nearly three times more frequent than for older age groups. Risk factors like nighttime driving, speeding, and distracted driving are prevalent, especially among young male drivers.

While teens pay higher premiums than any other age group, there are strategies to reduce costs:

Car insurance for 19-year-olds may be expensive, but by staying on a family policy, comparing providers, and seeking out discounts, affordable options can be found. State Farm stands out as a particularly cost-effective provider, but comparing quotes remains essential to finding the best deal.

Finding the best affordable car insurance for 19-year-olds can be daunting due to the risk factors that drive up premiums for this age group. We've answered some of the most frequently asked questions on the topic to assist you:

MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 19-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.

Data Sources and Depth

We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.

Sample Driver Profile

MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:

• Toyota Camry LE
• Clean driving record
• 12,000 miles driven every year

To determine which companies provide the most affordable policies, MoneyGeek compared rates for 19-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.

Coverage Levels and Deductibles Explained

A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.

For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.