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Car insurance for 19-year-olds

Every teen driver needs car insurance to protect them while on the road. Discover how much car insurance costs for a 19-year-old and learn how to get reliable yet cheap car insurance for young drivers. 

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Written by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: January 25th, 2024

Best car insurance for 19-year-olds

Car insurance is a necessary expense for all drivers, but it can be especially costly for teenagers. The price you pay for car insurance will depend on factors such as age, gender, driving history, and the type of vehicle being insured.  

Because age is a significant factor and teenagers tend to be the most expensive age group to insure, the cost of car insurance for 19-year-old drivers can be pretty high. However, there are ways to find affordable coverage without compromising quality.  

You can get the best car insurance for 19-year-olds by comparing rates from different providers, utilizing available discounts, and driving a car with certain safety features, such as airbags or anti-theft devices. 

Cheap car insurance for 19-year-olds

Average cost of car insurance for 19-year-olds

Although 19-year-olds are technically adults, they are still part of the most expensive age group to insure: teenagers. At 19 years old, teen drivers are associated with an immaturity that leads to a tendency to take more risks. Because of this, insurance companies charge more for car insurance for 19-year-old drivers. Other factors that impact insurance rates include where you live and what car you drive.

Below are the average annual rates for a 19-year-old policyholder in each state. 

Annual rates for a male driving a 2022 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

It’s important to note that it is usually much less expensive for teenage drivers to be added to an existing insurance policy, rather than purchasing their own policy. If possible, being added to a parent’s insurance policy will be much more affordable.

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Unique factors that contribute to cost for 19-year-olds

Car insurance costs vary for people of all ages, depending on where they live, their gender, and their car make, model, and age. However, additional factors contribute to the higher cost of car insurance for 19-year-old drivers. 

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Teen drivers have less experience on the road, which means they’re more likely to get into an accident and file a claim. Additionally, perceived immaturity and alcohol consumption in this age group contributes to a higher crash risk.

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Some parents still choose to include their 19-year-olds on their family insurance policy; however, not all teenagers have this option. Car insurance for 19-year-old drivers is typically more expensive when they purchase their own policy than if a parent adds them to an existing policy.

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One way to get cheap car insurance for 19-year-olds is to take advantage of discounts some auto insurance companies offer. These include good student discounts and away-from-home discounts.

How to get affordable car insurance for 19-year-olds

The best car insurance for 19-year-old drivers is reliable and affordable. Although teen drivers pay more for auto insurance, there are ways to find cheap car insurance or lower your rates.

1. Shop around and compare car insurance rates

To find the best car insurance for 19-year-old drivers, shop around and compare rates from top auto insurance companies. You can select the company that offers a policy that fits your budget. 

Start today by finding the best car insurance providers for your profile with Rate Retriever 

2. Ask about teen driver discounts

Teen driver discounts are another way to get cheap car insurance for 19-year-old drivers. These can include:

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Teenagers in high school, college, or a vocational program can typically qualify for discounts if they have at least a B average in their classes.

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Teenagers attending college at least 100 miles away from their home may be able to receive a discount on auto insurance.

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Insurance companies sometimes offer a discount if a teenager successfully completes a Driver’s Education course.

3. Make sure you have the coverage you need

If you’re driving an older car and purchasing your own insurance, you may consider a state-minimum policy. However, this is only recommended if the value of the insured vehicle is less than or comparable to the deductible. Additionally, it’s essential to be able to afford any repairs out of pocket. Otherwise, you can select additional coverage for better protection. 

Car insurance FAQs for 19-year-olds

Do I have to add my 19-year-old to my car insurance?

No, you do not have to add your 19-year-old dependent to your car insurance policy. 19-year-olds can purchase their own policy. However, car insurance is typically more expensive when the 19-year-old owns the policy instead of being added to an existing policy. 

How to lower car insurance for 19-year-olds?

Once you know the answer to the question, How much is car insurance for a 19-year-old?” then your next question is probably how to lower that cost. While car insurance for 19-year-old drivers is expensive, you can reduce costs by shopping for the best rate, applying discounts, and practicing safe driving. 

Compare how much insurance costs at the top insurance companies near you

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About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

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