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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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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. 

Written by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: February 26th, 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 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.

How adding a teen affects your car insurance rates

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

Will my car insurance rates go down as I get older?

Generally, car insurance rates can go down as you get older. This is because older drivers tend to have more experience on the road and are considered to be less risky to insure. As you age, you may also qualify for additional discounts or benefits from insurance companies. However, other factors such as your driving record, the type of car you drive, and where you live can also impact your rates. It’s important to regularly review your policy and shop around for the best rates to ensure you’re getting the best deal as you age.

How much does car insurance typically cost for a 19-year-old?

The cost of car insurance for a 19-year-old can vary depending on factors like driving record, type of car, and location. Depending on the state, young drivers can expect to pay anywhere from $1,700 to $9,000 per year on average for their own car insurance policy. However, it often much cheaper for 19-year-olds to be added to an exisiting policy, and some insurance companies offer discounts for good grades or completing driver education courses, which can help lower the cost. It’s important for 19-year-olds to shop around and compare quotes from different insurance companies to find the best rate for their individual situation.

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.

Are there any discounts available for 19-year-old drivers?

Some insurance companies offer discounts for young drivers, including 19-year-olds, who have completed driver training courses, maintained good grades, or have a clean driving record. It’s a good idea to contact different insurance providers to see if they offer any discounts for young drivers. Being a safe and responsible driver can also help lower insurance premiums. It’s important to research and compare different insurance options to find the best discounts available for 19-year-old drivers.

How does adding a 19-year-old driver impact their parents’ car insurance rates?

Adding a 19-year-old driver to their parents’ car insurance policy can cause the rates to increase by 50-70%. Insurance companies consider younger drivers to be higher risk because they have less experience behind the wheel and are more likely to be in accidents. This means the parents may have to pay more for their insurance to cover the added risk of having a teen driver on their policy. It’s important for teens to drive safely and follow the rules of the road to help keep insurance rates as low as possible.

Do car insurance rates increase for 19-year-olds if they get a ticket or citation?

Yes, car insurance rates often increase for 19-year-olds if they get a ticket or citation. Insurance companies see young drivers who receive tickets as higher risks, so they may raise rates to cover that risk. Safe driving habits can help keep insurance rates lower and reduce the likelihood of an increase after a ticket. It’s important for young drivers to follow traffic laws and drive carefully to avoid paying more for their car insurance.

Can a 19-year-old cancel their car insurance policy if they no longer need it?

Yes, a 19-year-old can cancel their car insurance policy if they no longer need it; however, it may make sense to just reduce coverage if possible. In the future, it is easier to get affordable car insurance if you have a history of being insured; so while canceling your policy may save you money in the short term, it may mean your rates will be more expensive in the future. If you do want to cancel, it is important to contact the insurance company and let them know that you want to cancel the policy. They may have specific guidelines or fees for canceling, so it is important to ask about those. Make sure to have another form of transportation if you cancel the policy, as it is required by law to have insurance to drive a car.

How often should a 19-year-old review their car insurance policy?

A 19-year-old should review their car insurance policy every year. It’s important to check for any changes in coverage, discounts, or rates that could save money or better protect against accidents. Staying informed about car insurance can help make sure there are no surprises in the event of an accident or other unexpected events. It’s a good habit to get into to make sure you have the right coverage for your needs and budget.

Can a 19-year-old insure a car that’s in their parents’ name?

Yes, a 19-year-old can insure a car that is in their parents’ name. They would typically need to be listed as a secondary or occasional driver on the insurance policy. However, the primary policyholder (the parents) would still be responsible for the insurance coverage and payments. It’s important for the 19-year-old to discuss this with their parents and the insurance company to ensure everything is set up correctly.

How to lower car insurance for a 19-year-old?

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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Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.  

For the data on this page, we made the following assumptions: a single male with a clean driving record and Good credit score, driving a 2023 RAV4. We adjusted this profile by age to determine the rates you see on this page. 

These rates are not actual quotes and should be used only for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

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. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.