When it comes to car insurance for 19-year-old drivers, the cost can vary depending on the coverage levels chosen. On average, car insurance for 19-year-old drivers can cost around $1,197 per year or $100 per month for state minimum liability only coverage. Opting for 50/100/50 liability coverage can increase the average cost to $1,438 per year or $120 per month. For more comprehensive coverage with 100/300/100 liability and a $500 deductible for comprehensive and collision, the average cost jumps to $3,883 per year or $324 per month.
| Coverage level | Average annual premium | Average monthly premium |
|---|---|---|
| State Minimum Liability Only | $1,197 | $100 |
| 50/100/50 Liability Only | $1,438 | $120 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,883 | $324 |
Average car Insurance rates for 19-year-old male and female: Decoding gender impact
Gender can also play a role in determining car insurance rates for 19-year-old drivers. On average, 19-year-old females can expect to pay around $3,393 per year for car insurance, while their male counterparts may face slightly higher rates at $3,883 per year.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Female | $3,393 | $283 |
| Male | $3,883 | $324 |
How average car insurance rates for 19-year-old vary by State
Car insurance rates for 19-year-old drivers can vary significantly depending on the state they reside in. For example, in Alaska, the average cost for car insurance for a 19-year-old is $3,413 per year, while in Alabama it is $3,571 . In other states like Louisiana and Delaware, the average cost can skyrocket to $6,305 and $6,005 per year, respectively. On the other end of the spectrum, Hawaii offers the lowest average cost at $1,330 per year.
| State | Average annual premium | Average monthly premium |
|---|---|---|
| Virginia | $3,214 | $268 |
Low-cost car insurance for 19-year-old: Drive without breaking the bank
Finding affordable car insurance for 19-year-old drivers is possible. Some companies offer lower average annual costs, such as North Carolina Farm Bureau at $1,273 , Island Insurance at $1,668 , and American National Finance at $1,706 .
Comparing rates from multiple insurers is one of the easiest ways to find which insurer offers the lowest cost for 19-year-old driver and provides all the required coverage.
| Company Group | Average annual premium | Average monthly premium |
|---|---|---|
| Island Insurance | $1,668 | $139 |
| North Carolina Farm Bureau | $1,273 | $106 |
| American National Finance | $1,706 | $142 |
| Southern Farm Bureau | $2,776 | $231 |
| USAA | $2,652 | $221 |
| Geico | $2,849 | $237 |
| Erie Insurance | $3,113 | $259 |
| New Jersey Manufacturers | $2,886 | $240 |
| American Family | $3,068 | $256 |
| Western National Mutual | $3,399 | $283 |
| Auto-Owners | $3,274 | $273 |
| State Farm | $3,403 | $284 |
| Nationwide | $3,605 | $300 |
| Travelers | $3,233 | $269 |
| Iowa Farm Bureau | $3,597 | $300 |
| Mapfre Insurance | $4,035 | $336 |
| Vermont Mutual | $4,378 | $365 |
| Country Financial | $4,908 | $409 |
| Safety Insurance | $3,487 | $291 |
| National General Insurance | $4,127 | $344 |
| Shelter Insurance | $4,826 | $402 |
| The Hartford | $4,038 | $336 |
| Frankenmuth Insurance | $5,798 | $483 |
| Arbella Insurance | $4,003 | $334 |
| Palisades | $3,241 | $270 |
| Allstate | $4,685 | $390 |
| Progressive | $4,366 | $364 |
| CSAA Insurance (AAA) | $5,188 | $432 |
| Farmers | $4,480 | $373 |
| Kentucky Farm Bureau | $6,270 | $522 |
| Amica Mutual | $3,979 | $332 |
| Kemper Insurance | $5,851 | $488 |
| Automobile Club MI (AAA) | $6,543 | $545 |
| Chubb Ltd | $6,624 | $552 |
| Safeway Insurance | $6,019 | $502 |
| Westfield Insurance | $6,780 | $565 |
| Oklahoma Farm Bureau | $6,706 | $559 |
| Auto Club Enterprises (AAA) | $5,730 | $478 |
| Mercury Insurance | $6,223 | $519 |
| Sentry Insurance | $10,268 | $856 |
| The Hanover | $14,019 | $1,168 |
The impact of adding a 19-year-old driver to a family’s existing auto insurance policy
Adding a 19-year-old driver to a family’s existing auto insurance policy can lead to significant savings compared to getting their own policy. On average, a 19-year-old driver can expect to pay $3,883 per year for their own policy. However, by adding them to their parent’s policy, the cost can decrease to $1,367 per year, resulting in savings of $2,516 . This option can be a more cost-effective solution for families looking to insure their young drivers.
| Cost with own policy | Cost with parent’s policy | Savings |
|---|---|---|
| $3,883 | $1,367 | $2,516 |
Conclusion
Car insurance costs for 19-year-old drivers can vary based on coverage levels, gender, state of residence, and choice of the insurance company. Opting for higher coverage increases the average cost, while gender differences can also impact insurance rates. The average cost varies significantly by state, with some states having substantially higher premiums than others. However, affordable options exist, and it is possible to find lower-cost insurance for 19-year-old drivers by comparing rates from different insurers.
Additionally, adding a 19-year-old driver to a family’s existing policy can lead to significant savings compared to getting a separate policy. Families looking to insure their young drivers can consider this cost-effective option.
Methodology
CompuQuote commissioned 2022 data for Average car insurance rates for 19-year-old drivers from Quadrant Information Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 19-year-old driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
CompuQuotes analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Information Services are for comparison purposes only; your rates may differ.
