Average Car Insurance Costs for 19-Year-Olds
The average cost of car insurance for 19-year-olds is $365 per month for their own full-coverage policy.
Find Cheap 19-Year-Old Auto Insurance Quotes
Farm Bureau has the cheapest car insurance for 19-year-olds at $205 per month for full coverage.
Average rates for 19-year-old drivers can vary by $319 per month from one company to the next. You should compare quotes from multiple companies and take advantage of discounts to get the cheapest rates.
How much is car insurance for 19-year-olds?
On average, 19-year-old drivers with their own policies pay $365 per month for full-coverage car insurance.
The cheapest rates for 19-year-olds come from Farm Bureau, where a full-coverage policy costs $205 per month. Allstate has the most expensive quotes for 19-year-old drivers, at $524 per month for their own policy.
Find Cheap 19-Year-Old Auto Insurance Quotes
Regional companies like Farm Bureau, Erie and Auto-Owners tend to have more affordable rates for teen drivers than national insurance companies.
At $310 per month, Geico is the cheapest car insurance company for 19-year-olds that's available across the U.S.
Cheapest car insurance quotes for 19-year-olds
Company | Monthly rate | ||
|---|---|---|---|
| Farm Bureau | $205 | |
| Erie | $219 | |
| Travelers | $281 | |
| Auto-Owners | $286 | |
| Geico | $310 | |
Young drivers should always shop around for the best car insurance rates.
Full-coverage insurance from Farm Bureau is almost $4,000 cheaper per year for a 19-year-old driver than coverage from the most expensive company, Allstate.
Cheapest car insurance for 19-year-olds by state
Average car insurance rates for 19-year-old drivers vary by up to $396 per month depending on where you live.
The cheapest full-coverage policy in North Carolina costs only $89 per month from Farm Bureau. But car insurance quotes in Florida are much more expensive. State Farm has the cheapest full-coverage rates in Florida, at $315 per month. That's three and a half times more expensive than the North Carolina policy.
Monthly cost of full coverage insurance by state
State | State average | Cheapest rate | |
|---|---|---|---|
| California | $284 | Geico | $187 |
| Florida | $560 | State Farm | $315 |
| Georgia | $410 | Farm Bureau | $254 |
| Illinois | $340 | State Farm | $212 |
| Michigan | $386 | Geico | $195 |
Find the Cheapest Insurers for Young Drivers in Your State
Best cheap car insurance for 19-year-olds: Farm Bureau
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Editor rating
- Monthly rate: $205/mo
Pros and cons
Farm Bureau's low rates make it a great option for 19-year-olds.
Full-coverage car insurance from Farm Bureau costs around $205 per month. That's 44% cheaper than average, which is a savings of $160 per month.
In addition, Farm Bureau offers a few discounts just for young drivers. You can get a safe young driver training discount for participating in its driver training program and a good student discount if you maintain a "B" average or higher in school.
Safe drivers can also sign up for its Driveology program, which monitors your driving habits using a device you plug into your car. Safe driving habits can save you up to 30% on your car insurance rates.
Farm Bureau's coverage options are fairly basic, though. You can add roadside assistance, which is helpful if your car breaks down on the side of the road. But Farm Bureau doesn't offer gap insurance, so if you have a loan or lease on your vehicle, you may want to consider another company.
Farm Bureau car insurance isn't available in every state, so some 19-year-olds may not be able to buy a policy.
Best major insurance company for 19-year-olds: Geico
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Editor rating
- Monthly rate: $310/mo
Pros and cons
Geico is a good option for 19-year-olds who prefer to get insurance from a large national company. It is the third-largest car insurance company in the U.S., behind Progressive and State Farm.
Full-coverage car insurance from Geico costs $310 per month, which is 15% cheaper than average. That makes it the most affordable national company for 19-year-olds.
It also offers a lot of ways for 19-year-olds to save money on your car insurance rates. Young drivers can get a good student discount if you have a B average or higher. Depending on where you live, you may be able to get a discount if you take a driver's education course.
Geico also offers a usage-based discount, called DriveEasy. It can help you save up to 10% if you have good driving habits.
In addition, drivers have a handful of ways to upgrade their coverage with Geico, like emergency roadside assistance, rental reimbursement, accident forgiveness and rideshare insurance.
How to find cheap car insurance as a 19-year-old
There are three main ways that young drivers can save money on their car insurance.
- Share a policy with your parents
- Compare quotes from multiple companies
- Qualify for discounts
Stay on your parents' policy
If you still live at home or are away at school, you can share a car insurance policy with your parents. This makes the policy more expensive for your parents. But it's still typically cheaper than the price of having two separate policies.
Shop around for car insurance
Insurance companies consider a variety of factors when deciding how much to charge you for car insurance. So the cheapest insurance company for you may be different from your high school friend or college roommate.
We recommend that 19-year-olds compare quotes from Farm Bureau, Erie, Travelers, Auto-Owners and Geico if they're available where you live.
Take advantage of discounts
There are lots of car insurance discounts available to help 19-year-old drivers save money on their car insurance.
Some of the most common discounts for young drivers are:
- Good student discount for full-time students with a 3.0 GPA or better.
- Student away from home discount if you're living away from home for most of the year and didn't bring your car to school.
- Safe driver discount if you don't have an accident or ticket on your record.
If you don't drive late at night and stay off your phone while driving, you could save a lot of money with a usage based program. These programs allow your insurance company to track your driving habits and give you a discount based on how well you perform.
If you live on campus or have a short commute, you could also consider pay-per-mile car insurance. A big portion of your car insurance rates will be based on the number of miles you drive each month. So it's a great option for teens who don't drive often.
Insurance for 19-year-old males vs. females
Men who are 19 years old pay an average of $383 per month for full coverage, while women who are the same age pay $346 per month.
Car insurance tends to be more expensive for men than women. That's because insurance companies believe that men are riskier drivers, especially at younger ages.
Company | Male | Female |
|---|---|---|
| Farm Bureau | $227 | $184 |
| Erie | $246 | $193 |
| Travelers | $295 | $266 |
| Auto-Owners | $309 | $263 |
| Geico | $327 | $293 |
*USAA auto insurance is only available to military members, veterans and their families.
California, Hawaii, Massachusetts, parts of Michigan, Montana, North Carolina and Pennsylvania have banned insurance companies from using gender to determine car insurance rates. That means male and female drivers in these states will pay the same price for car insurance.
Cost of car insurance by age
Auto insurance generally costs more for young drivers, and rates go down as you get older. That's because older drivers have more experience behind the wheel, which makes them less likely to cause an accident.
Your car insurance rates will go down by around 10% when you turn 20.
By the time you're 25, you should be paying 45% less for full-coverage car insurance than you were at age 19.
Frequently asked questions
How much is car insurance for a 19-year-old male?
The average cost of full-coverage insurance is $83 per month for a 19-year-old man.That's $37 more per month than a 19-year-old woman pays for the same coverage.
Which company has the cheapest car insurance for 19-year-olds?
Farm Bureau and Erie have the cheapest car insurance quotes for 19-year-old drivers. However, these companies aren't available in every state.
Drivers who can't get insurance from Farm Bureau or Erie should consider Geico.
How much is insurance for a 19-year-old in California?
The average cost of full-coverage car insurance is $284 per month for a 19-year-old living in California. The cheapest company in California, Geico, offers coverage for $187 per month, which is 35% less than average.
How much is car insurance in Florida for a 19-year-old?
In Florida, the average cost of full-coverage car insurance is $560 per month for a 19-year-old driver. But the cheapest company in Florida, State Farm, offers coverage for $315 per month, which is 44% less than average.
Methodology
To find the average cost of car insurance for 19-year-olds, we collected quotes for thousands of ZIP codes across 10 of the most populous states in the country. Rates are for single 19-year-old male and female drivers with clean driving records and good credit scores who own a 2015 Honda Civic EX.
Rates are for a full-coverage policy, which includes more coverage than what's required by any state, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: Minimum when required by state
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
We included 13 insurance companies in this analysis, though rates were only displayed if their policies were available in at least four of the 10 states.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.