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.
Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.
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.
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 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.
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.
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.
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.
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.
Teen driver discounts are another way to get cheap car insurance for 19-year-old drivers. These can include:
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.
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.
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.
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