Average Car Insurance Costs for 19-Year-Olds
The average cost of car insurance for a 19-year-old is $391 per month for full coverage. Minimum coverage is $288 per month.
Travelers and Progressive offer the cheapest car insurance rates for 19-year-olds.
State Farm can also be a good option because of its cheap rates and well-rated customer service. So, if you’re in an accident, it's more likely you can talk to someone who can walk you through next steps.
Find Cheap 19-Year-Old Auto Insurance Quotes
How much is car insurance for a 19-year-old per month?
The average price of full coverage car insurance for a 19-year-old is $391 per month.
Minimum coverage is $288 per month, on average.
Travelers has the cheapest full coverage for 19-year-olds, while Progressive has the cheapest minimum coverage. Full coverage from Travelers costs an average of $322 per month, while Progressive's average minimum coverage rate is $139 per month.
USAA is cheaper than Travelers or Progressive, but not everyone can get coverage. Only current or former military members or people with certain military family connections can get USAA policies. It usually has good customer service and military-specific benefits.
Full coverage
Minimum coverage
Full coverage
Minimum coverage
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Depending on the company you select, your monthly bill can range by hundreds of dollars per month. Full coverage from Farmers costs an average of $603 per month, which is more than twice the price of Travelers. That shows why shopping around and getting multiple quotes is the best way for young drivers to get the cheapest car insurance.
Cheap car insurance for 19-year-old drivers
Full coverage
Minimum coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
| Travelers | $322 | |
| State Farm | $325 | |
| Geico | $367 | |
| Progressive | $373 | |
| Allstate | $557 | |
*USAA is only available to military members, veterans and their families.
Full coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
|
| Travelers | $322 | |
|
| State Farm | $325 | |
|
| Geico | $367 | |
|
| Progressive | $373 | |
|
| Allstate | $557 | |
*USAA is only available to military members, veterans and their families.
Minimum coverage
Company | Editor's rating | Monthly rate | |
|---|---|---|---|
|
| State Farm | $145 | |
|
| Travelers | $154 | |
|
| Progressive | $139 | |
|
| Geico | $155 | |
|
| Allstate | $282 | |
*USAA is only available to military members, veterans and their families.
19-year-old car insurance vs. other ages
Drivers who are 19 years old pay an average of $141 per month less for full coverage than 18-year-old drivers.
When you're a young driver, every year you get older will likely mean lower insurance rates. Companies have found younger drivers get in more accidents, which makes them more expensive to cover. So as you get more experience behind the wheel, your rates should go down.
By age 25, full coverage rates fall by nearly 50% from age 19.
Cost of car insurance for 19-year-old female vs. 19-year-old male drivers
At 19 years old, men pay an average of $34 more per month than women at the same age for full coverage.
The average rate for women at 19 is $374 per month, while men pay $408 per month.
Men usually pay more for car insurance than women. Men tend to do more risky things behind the wheel, like speeding and driving drunk. They tend to be more likely to cause accidents, which makes them more expensive to cover.
19-year-old full coverage car insurance rates by gender
Company | Male | Female | |
|---|---|---|---|
|
| State Farm | $351 | $299 |
|
| Travelers | $340 | $304 |
|
| Progressive | $387 | $358 |
|
| Geico | $399 | $335 |
|
| Allstate | $563 | $552 |
*USAA is only available to military members, veterans and their families. Average rates are full coverage.
A few states won't allow insurance companies to use gender as part of setting rates, so 19-year-old male drivers pay the same rates as female drivers.
- California
- Hawaii
- Massachusetts
- Michigan
- Montana
- North Carolina
- Pennsylvania
Car insurance rates for 19-year-olds by state
Depending on where they live, 19-year-old drivers might pay a wide range of prices for car insurance.
For example, 19-year-olds in Pennsylvania pay an average of $328 per month for full coverage. The same policies in New York and Texas pay 31% more.
State | State average |
|---|---|
| Illinois | $376 |
| New York | $430 |
| Pennsylvania | $328 |
| Texas | $430 |
Average rates are for 19-year-old with full coverage.
Find the Cheapest Insurers for Young Drivers in Your State
How to get cheap car insurance as a 19-year-old
Shopping around and looking for discounts are the best ways for 19-year-old driver to save money.
Comparing quotes from multiple insurance companies is usually the best way to find the cheapest rates and best coverage for you.
Insurance companies use a range of factors when setting rates for your car insurance. They can include where you live, your age, your driving record, your car and past claims you've made.
For that reason, the cheapest company for you might not be the cheapest for your friends or parents.
Discounts are another good way for you to lower your insurance costs.
Common car insurance discounts 19-year-old drivers can get include:
- A good student discount gives you a break on rates for getting a B average as a full-time student.
- You can get a defensive driving discount in some cases if you take a defensive driving course.
- If you avoid accidents or tickets for three to five years, you can get a safe driving discount.
Different companies offer different discount amounts for the same things, so it's important to ask any company about what's available when getting quotes.
Frequently asked questions
How much is car insurance for a 19-year-old per month?
Car insurance for 19-year-olds is $391 per month, on average, for full coverage. Minimum coverage for 19-year-olds averages $288 per month, but your rates will differ depending on where you live.
What company has the cheapest car insurance for 19-year-olds?
Among major car insurance companies, Travelers and Progressive have the cheapest rates for 19-year-olds. Travelers charges $322 per month for full coverage and is $69 per month cheaper than average. Progressive's average price for minimum coverage ($139 per month) is $149 per month less than average.
How much is insurance for a 19-year-old male?
The average cost of full coverage car insurance for a 19-year-old male is $408 per month and $181 per month for minimum coverage. Those rates are between 7% and 9% more than what women at the same age pay.
How much is car insurance for a 19-year-old in New York?
The average rate for 19-year-olds in New York is $430 per month for full coverage.
Methodology
ValuePenguin collected thousands of car insurance quotes from four of the most populated states in the U.S. to find the cost of car insurance for 19-year-olds. Rates are for an average of 19-year-old men and women, unless otherwise noted, with good credit scores, a 2015 Honda Civic EX and a clean driving record.
Minimum coverage rates are for policies that just have the minimum required coverages in each state. Full coverage rates include comprehensive and collision coverage, as well as more liability than the state minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): Minimum, when required by state
- Medical payments: $5,000
- Comprehensive and collision deductible: $500 deductible
Rates came from seven large national insurance companies. Not every company's rates were available in all four states.
This analysis was done using rate data collected using Quadrant Information Services. Rates are sourced from publicly available insurer filings. Averages only should be used for comparative purposes, as your own quotes will likely be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.