How Much is Car Insurance for a 19-Year-Old?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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19-year-old drivers pay some of the highest rates for car insurance. As a new, teenaged driver, you have a higher expected accident rate than virtually any other driver on the road. How much can you really expect to pay for car insurance as a 19-year-old? Keep reading to find out.

19-Year-Old Drivers Pay Some of the Most Expensive Car Insurance Premiums

As a 19-year-old, you may have been driving successfully since age 14 or 16 without making a claim. However, most car insurance companies still treat you as an inexperienced teenager, and that means you can expect to pay similar insurance premiums to drivers who are 16, 17, or 18 years old.

As a 19-year-old driver, you’re not going to find cheap car insurance anywhere.

However, you can still find good car insurance prices by shopping around. You’re always going to be paying a little more for car insurance than older drivers, but smart 19-year-old drivers can compare car insurance quotes online today to ensure they get the best deal.

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Average Car Insurance Premiums for a 19-Year-Old Driver

how much is car insurance for a 19 year oldA 19-year-old driver can be expected to pay around $1,800 to $3,000 for car insurance per year, depending on a number of different circumstances. This average amount assumes that you’re maintaining the state’s bare minimum requirements for car insurance.

Car insurance premiums can rise to an average of $2,600 to $4,000 per year for car insurance if you want more than the bare legal minimum amount of coverage required. A 19-year old driver who wants a 100/300/100 car insurance policy will pay an average of around $3,500.

Rates vary widely depending on your gender, your age, and a number of other circumstances.

A 19-year-old female driver in Hawaii, for example, may pay less than $1,500 for car insurance, while a 19-year-old male driver in Connecticut may pay over $5,500.

Generally, however, an average 19-year old driver in the United States can be expected to pay around $2,600 per year for car insurance. The average is slightly less for females and slightly more for males.

How to Save Money on Car Insurance as a 19-Year-Old Driver

Fortunately for 19-year-old drivers, there are a number of ways to save a significant amount on car insurance. With a little bit of work, you can save hundreds of dollars per year on your premiums. By adding yourself to your parents’ policy, you may be able to save thousands of dollars per year.

Some of the best cost-saving strategies for 19-year-old drivers include:

Add Yourself Under Your Parents’ Policy

Many 19-year-olds are either living at home or away at college. If you’re away at college, then you may still be considered a resident of your parents’ house for insurance purposes. In this case, you may wish to add yourself to your parents’ policy to save money.

A 19-year-old male driver in Texas, for example, can pay up to $5,000 for his own car insurance policy. When adding himself under his parents’ policy, however, that same driver can reduce car insurance premiums to around $3,000 per year while maintaining 100/300/100 coverage for better protection.

It’s perfectly legal to add yourself under your parents’ policy as long as you abide by your insurance rules. You can’t list your mom as a primary driver on your own vehicle, for example, if you’re the one who drives it every day.

Talk to your parents about adding yourself to their insurance policy to save money.

Good Student Discounts

Many major car insurance companies now offer good student discounts or good grade discounts. If you’re a high school or college student with a B+ or higher average, then you may be able to save money on car insurance premiums.

Studies have shown that good students make fewer claims than bad students, so insurance companies have a reason to give discounts to good students. Ask your car insurance company about a good grades discount.

Drop Collision and Comprehensive Coverage on Older Vehicles

Many students drive cheaper, older vehicles. These vehicles might not be worth repairing after an accident. In this case, you may want to drop collision and comprehensive coverage from the older vehicle. This can cut the cost of car insurance by up to 50%, saving you hundreds – even thousands – per year on car insurance as a 19-year-old driver.

Collision coverage covers damage to your own vehicle after a collision with another driver, while comprehensive coverage covers things like hail damage, theft, and vandalism.

Attend Driver Training

Many teen drivers choose to go through driver training. Or, some did driver training before taking their license test. Many insurance companies give 19-year-old drivers a discount of 10% to 15% for attending a defensive driving class or something similar.

Compare Quotes Online

The more quotes you compare, the better your car insurance premiums will be. Compare as many quotes as possible online today. Some car insurance companies heavily discourage 19-year-old drivers by charging higher premiums. Other insurance companies like having 19-year-old drivers in their insurance pool and will charge lower rates than competitors.

Conclusion: Wait a Few Years to Enjoy Lower Car Insurance Prices

Ultimately, 19-year-old drivers pay some of the highest rates in the United States for car insurance. Rates may be slightly lower than the average premiums paid by a 16, 17, or 18-year-old driver. However, you’re still paying considerably more for car insurance than the average adult.

Wait a few years, maintain a clean driving record, and your car insurance premiums will eventually drop. You won’t be stuck paying high 19-year-old driver insurance prices forever.

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