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.
Cheapest Car Insurance for 19-Year-Olds
Updated: November 18, 2024
Advertising & Editorial Disclosure
Key Takeaways
Concord Group, Auto-Owners and State Farm offer some of the most competitive rates for 19-year-old drivers.
Looking at national averages, the cheapest car insurance rates for 19-year-olds start at $58 per month for minimum coverage and $107 monthly for full coverage. However, some providers offer rates as low as $54 per month in certain states.
19-year-olds pay an average of $103 per month for minimum coverage and $223 monthly for full coverage, though rates can be as low as $50 depending on the state.
Cheapest Minimum Liability Car Insurance for 19-Year-Olds
| Concord Group | $58 | $50 |
| Auto-Owners Insurance Co | $73 | $35 |
| State Farm | $96 | $13 |
| GEICO | $99 | $9 |
| Travelers | $102 | $6 |
| Allstate | $106 | $3 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Full Coverage Car Insurance for 19-Year-Olds
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.
| Concord Group | $107 | $116 |
| Auto-Owners Insurance Co | $165 | $58 |
| State Farm | $196 | $27 |
| Allstate | $207 | $16 |
| GEICO | $214 | $9 |
| Travelers | $218 | $5 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 19-Year-Olds by State
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.
| Massachusetts | State Farm | $54 |
| Hawaii | State Farm | $59 |
| Mississippi | Progressive | $59 |
| Maine | Concord Group | $71 |
| New Hampshire | Concord Group | $76 |
| Idaho | Auto-Owners Insurance Co | $78 |
| Ohio | Nationwide | $80 |
| Pennsylvania | Nationwide | $81 |
| Missouri | GEICO | $83 |
| South Dakota | Allstate | $84 |
| Kansas | Nationwide | $84 |
| North Carolina | State Farm | $87 |
| North Dakota | Nationwide | $91 |
| Wisconsin | GEICO | $91 |
| Vermont | State Farm | $93 |
| Virginia | Nationwide | $95 |
| Indiana | GEICO | $97 |
| Montana | Progressive | $100 |
| Iowa | Allstate | $101 |
| New York | Kemper | $109 |
| Wyoming | Allstate | $110 |
| District of Columbia | GEICO | $112 |
| Utah | Nationwide | $113 |
| Connecticut | GEICO | $113 |
| Oregon | Nationwide | $114 |
| Colorado | Kemper | $116 |
| Tennessee | Auto-Owners Insurance Co | $117 |
| Arizona | Travelers | $117 |
| Arkansas | Allstate | $119 |
| Alabama | GEICO | $119 |
| Georgia | Allstate | $121 |
| Nebraska | Auto-Owners Insurance Co | $122 |
| Michigan | GEICO | $125 |
| Alaska | GEICO | $130 |
| Rhode Island | Travelers | $130 |
| Illinois | Auto-Owners Insurance Co | $134 |
| Maryland | Kemper | $135 |
| New Mexico | Allstate | $135 |
| Washington | Capital Insurance Group | $136 |
| Minnesota | Nationwide | $136 |
| Kentucky | Allstate | $139 |
| West Virginia | Nationwide | $140 |
| Oklahoma | Allstate | $143 |
| Delaware | Travelers | $144 |
| South Carolina | Auto-Owners Insurance Co | $150 |
| Texas | State Farm | $152 |
| New Jersey | Travelers | $156 |
| California | GEICO | $173 |
| Nevada | Nationwide | $190 |
| Florida | Nationwide | $233 |
| Louisiana | State Farm | $305 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
Cheapest Car Insurance for 19-Year-Olds by Gender
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.
Cheapest Car Insurance for 19-Year-Old Female Drivers
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.
| Concord Group | $55 | $48 | $102 | $108 |
| Auto-Owners Insurance Co | $69 | $34 | $152 | $57 |
| State Farm | $87 | $16 | $176 | $33 |
| Travelers | $92 | $10 | $199 | $11 |
| GEICO | $97 | $5 | $206 | $4 |
Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 19-Year-Old Male Drivers
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.
| Concord Group | $61 | $53 | $112 | $125 |
| Auto-Owners Insurance Co | $78 | $36 | $178 | $58 |
| GEICO | $101 | $13 | $222 | $15 |
| State Farm | $105 | $9 | $216 | $21 |
| Allstate | $107 | $7 | $217 | $19 |
| Travelers | $112 | $2 | $237 | $-0 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Cars to Insure for 19-Year-Olds
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.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
| Subaru Forester | Compact SUV | State Farm | $2,329 |
| Subaru Outback | Sedan | State Farm | $2,352 |
| Acura MDX | Luxury SUV | Travelers | $2,394 |
| Nissan Frontier | Pickup Truck | State Farm | $2,436 |
| Honda Passport | SUV | State Farm | $2,505 |
| Honda Odyssey | Minivan | State Farm | $2,541 |
| Hyundai Ioniq | Compact | Travelers | $2,584 |
| Nissan LEAF | Electric | Travelers | $2,619 |
| Chevrolet Corvette | Sports Car | Travelers | $2,791 |
| Tesla Model Y | Luxury Electric | GEICO | $2,857 |
| BMW 1 Series | Luxury Compact | GEICO | $2,945 |
| Mercedes GLA 250 | Luxury Compact SUV | State Farm | $2,952 |
| Porsche Taycan | Luxury Sports Car | GEICO | $2,972 |
| BMW 3 Series | Luxury Sedan | State Farm | $3,190 |
Rates are for drivers with clean driving records and good credit.
Average Cost of Car Insurance for 19-Year-Olds
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.
Car Insurance Cost for 19-Year-Olds by Coverage and Gender
The following table highlights average costs for adding 19-year-old male and female drivers to family policies, sorted by coverage level.
| State Min - No comp_coll | $114 | $103 |
| State Min - 500 comp_coll | $236 | $208 |
| State Min - 1500 comp_coll | $203 | $180 |
| State Min - 1000 comp_coll | $211 | $187 |
| 300/500/300,000 - No comp_coll | $167 | $150 |
| 300/500/300,000 - 500 comp_coll | $285 | $252 |
| 300/500/300,000 - 1500 comp_coll | $252 | $224 |
| 300/500/300,000 - 1000 comp_coll | $109 | $96 |
| 100/300/100,000 - No comp_coll | $141 | $127 |
| 100/300/100,000 - 500 comp_coll | $250 | $233 |
| 100/300/100,000 - 1500 comp_coll | $252 | $224 |
| 100/300/100,000 - 1000 comp_coll | $237 | $209 |
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.
Average Cost of Car Insurance for 19-Year-Olds by State
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.
| Oklahoma | $38 | $173 | $51 | $232 |
| North Carolina | $28 | $111 | $29 | $112 |
| Colorado | $51 | $201 | $67 | $266 |
| Mississippi | $37 | $161 | $55 | $242 |
| Florida | $86 | $386 | $96 | $438 |
| Vermont | $24 | $120 | $38 | $182 |
| Delaware | $52 | $197 | $81 | $311 |
| Nevada | $70 | $272 | $86 | $332 |
| Louisiana | $94 | $508 | $100 | $539 |
| New York | $62 | $215 | $78 | $276 |
| West Virginia | $41 | $171 | $62 | $256 |
| South Carolina | $69 | $251 | $83 | $302 |
| New Jersey | $76 | $301 | $82 | $327 |
| New Mexico | $39 | $173 | $50 | $218 |
| Hawaii | $20 | $87 | $19 | $83 |
| Arkansas | $35 | $159 | $49 | $221 |
| Missouri | $51 | $231 | $71 | $315 |
| Connecticut | $51 | $187 | $77 | $278 |
| South Dakota | $28 | $153 | $39 | $217 |
| District of Columbia | $49 | $202 | $71 | $283 |
| Iowa | $26 | $130 | $34 | $171 |
| Indiana | $32 | $128 | $45 | $180 |
| Massachusetts | $36 | $145 | $55 | $223 |
| Rhode Island | $57 | $209 | $95 | $348 |
| Ohio | $60 | $211 | $75 | $264 |
| Michigan | $87 | $344 | $83 | $339 |
| Minnesota | $37 | $161 | $54 | $229 |
| Pennsylvania | $33 | $162 | $45 | $215 |
| Washington | $50 | $175 | $77 | $259 |
| Wisconsin | $32 | $144 | $44 | $196 |
| Montana | $35 | $184 | $46 | $244 |
| Kentucky | $47 | $189 | $59 | $236 |
| Arizona | $46 | $184 | $63 | $252 |
| Illinois | $33 | $141 | $44 | $186 |
| Virginia | $52 | $197 | $63 | $239 |
| Maryland | $54 | $190 | $87 | $300 |
| Georgia | $47 | $191 | $64 | $259 |
| Wyoming | $22 | $158 | $29 | $204 |
| Utah | $60 | $227 | $74 | $275 |
| New Hampshire | $34 | $122 | $49 | $174 |
| North Dakota | $26 | $127 | $37 | $177 |
| Nebraska | $36 | $185 | $47 | $236 |
| Maine | $34 | $132 | $46 | $177 |
| California | $49 | $226 | $53 | $244 |
| Tennessee | $33 | $146 | $49 | $218 |
| Kansas | $33 | $161 | $45 | $214 |
| Texas | $54 | $219 | $76 | $307 |
| Oregon | $40 | $149 | $65 | $234 |
| Idaho | $27 | $105 | $42 | $165 |
| Alaska | $42 | $186 | $47 | $214 |
| Alabama | $43 | $189 | $55 | $240 |
Why Car Insurance Is Expensive for 19-Year-Olds
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.
How to Save Money on Car Insurance for 19-Year-Olds
While teens pay higher premiums than any other age group, there are strategies to reduce costs:
- 1
Stay on a parent's policy
Remaining on a parent’s policy can lead to significant savings due to multi-car discounts and the parent's established insurance history.
- 2
Shop around as much as possible
Comparing quotes from multiple insurers can reveal savings of up to 30%.
- 3
Find discounts you qualify for
Nineteen-year-olds can qualify for car insurance discounts, such as those for good students, completing driver education courses and using telematics programs, which can reduce premiums by up to 40%.
- 4
Choose a safe, older car
Opting for an older, less expensive car with a solid safety rating can decrease insurance costs as they are less expensive to repair and lower risk.
- 5
Adjust your coverage amount
If you’re willing to pay out-of-pocket for car replacement, liability-only insurance is a cost-effective option. For full coverage, increasing deductibles can also lower premiums.
KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP
Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Cheap Car Insurance for 19-Year-Olds: Bottom Line
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.
Car Insurance for 19-Year-Olds: FAQ
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:
What is the cheapest car insurance for an 19-year-old?
State Farm is often the cheapest that is nationally available, with rates around $96 per month for minimum coverage and $196 for full coverage on family policies.
How much is car insurance for an 19-year-old per month?
On average, car insurance for 19-year-olds costs around $103 per month for minimum coverage and $223 for full coverage. However, cost varies widely by state, with state averages ranging from as low as $54 per month to as much as $305 monthly. Keep in mind that these averages are for drivers on a family policy with clean driving records and good credit.
Why is car insurance expensive for 19-year-old drivers?
Young drivers are considered high-risk due to limited experience, leading to more accidents and higher insurance rates.
Is car insurance more expensive for 19-year-old males?
Yes, insurance for male drivers is typically more expensive as they have a higher likelihood of accidents.
Auto Insurance for 19-Year-Olds: Our Methodology
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- AAA Foundation for Traffic Safety. "Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014–2015." Accessed November 18, 2024.
- Insurance Institute for Highway Safety. "Fatality Facts 2018: Teenagers." Accessed November 18, 2024.