How much is auto insurance for a 19-year-old?
Teen drivers are among the most expensive to insure, so you can expect to pay a lot for auto insurance for a 19-year-old. Auto insurance rates for a young driver are around $250 per month, but you can lower these rates with good driving and good student discounts.
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UPDATED: Jun 6, 2022
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If you are asking, “How much is car insurance for a 19-year-old?” you have come to the right place. 19-year-old drivers pay some of the highest rates for car insurance. As a new, teenage 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. While it is great to have a clean driving record and good driving habits, any teen driver will still have a higher rate. 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 for a 19-year-old by shopping around. You’re always going to be paying a higher auto insurance rate 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
A teen 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 coverage.
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.
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 for a young driver 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 parent’s 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 younger 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 as a teenage driver.
Enter your ZIP code in our free tool to compare annual rates from multiple insurers for cheap car insurance for 19-year-olds.