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.

About the Author: CompuQuotes Editorial
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