Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 1, 2020

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Here's What You Need to Know

  • It’s important that drivers of all ages have auto insurance.
  • 19-year-olds will pay more for their auto insurance than experienced drivers.
  • Insurance quotes for a 19-year-old male will be higher than for a female.
  • You won’t see your car insurance rates drop until you’ve accumulated between three and five years of driving experience.
  • In most states, drivers who have had their license for three straight years will qualify for good driver discounts.
  • It’s best for teens to stay on their parents’ insurance until they no longer live at home to save money.

It’s not easy to find affordable 19-year-old car insurance. One reason that car insurance for a 19-year-old is so high is that teens are statistically much more likely to be in an accident. Regardless how safe of a driver you are, auto insurance companies will deem you high-risk if you’re a teen.

All teen drivers, regardless of their records, are going to get stuck paying high auto insurance rates. If you’re shopping for cheap quotes for 19-year-olds, you need to prepare yourself for the task. It’s not easy to find cheap car insurance for young people.

If you want to get cheap car insurance for 19-year-old drivers, start comparison shopping today by entering your ZIP code.  Compare 19-year-old car insurance quotes free.

Table of Contents

19-Year-Olds Pay More for Car Insurance

Why is the average cost for car insurance for 19-year-olds so high?

Auto insurance rates are calculated by using data and looking at probabilities. Since rating factors change the statistical likelihood of a claim, it’s important to know why statistics work against teen drivers.

According to the CDC, 2,364 teens were killed in 2017 from car accidents. Another 300,000 were treated for injuries. The Insurance Institute for Highway Safety (IIHS) reported that in 2017, car accidents were one of the leading causes of death for 13 to 19-year-olds.

Here are some other statistics that demonstrate why teen rates are high:

  • 33 percent of teen deaths are caused by motor accidents.
  • Teens have higher crash rates than any other drivers.
  • One out of five teen drivers will have an accident in the first year of driving.
  • Six teens die of motor vehicle accident injuries daily.
  • The crash rate per mile is three times higher for drivers 16 to 19.
  • Teens are responsible for more property damage in accidents than any other age group.

How much higher are car insurance rates for teens? Take a look at this table to see the difference age plays in determining rates.

Average Annual Car Insurance Rates by Age, Gender, and Marital Status
CompaniesAverage Annual Rates for a
Single 17-Year-Old Female
Average Annual Rates for a
Single 17-Year-Old Male
Average Annual Rates for a
Single 25-Year-Old Female
Average Annual Rates for a
Single 25-Year-Old Male
Average Annual Rates for a
Married 35-Year-Old Female
Average Annual Rates for a
Married 35-Year-Old Male
Average Annual Rates for a
Married 60-Year-Old Female
Average Annual Rates for a
Married 60-Year-Old Male
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
GEICO$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,240.60$2,283.45
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
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Teen drivers pay an average of $691 a month for car insurance. The average monthly rate drops to just $233 once the driver turns 25.

How are car insurance rates determined?

The most common factors that are considered when determining auto insurance rates are:

  • Age
  • Driving experience
  • Gender
  • Driving habits
  • Motor vehicle record
  • Accident history
  • Vehicle type and safety record
  • Coverage limits
  • Rating territory
  • Credit-based insurance score

The following video further explains the factors affecting car insurance rates.

In some states, insurers can’t raise rates for age-related reasons. You’ll have to shop for coverage to see if this applies to your state or not.

Car insurance for a 19-year-old new driver will be higher than a driver that started at age 16.

Is there a difference between male and female drivers?

Are average car insurance rates for a 19-year-old female cheaper than the average cost of car insurance for a 19-year-old male?

It might surprise you to learn that auto insurance rates are affected by age and gender. Average 19-year-old car insurance rates for a teenage male are high because they are in the highest risk class. Why is this?

  • Males between 15 and 20 have a death rate two times higher than females.
  • Males under 20 years old cause damages of $19 billion in accidents, whereas females cause damages of about $7 billion.
  • Natural competitiveness, testosterone, and impulsive tendencies are believed to contribute to the skewed statistics.

Insurance for a 19-year-old female driver is still high, just not quite as high as the average car insurance rates for a 19-year-old male.

How much more do males pay for insurance than females?

It’s difficult to say exactly how much more a male will pay for coverage than a female.

Over a male’s lifetime, they’ll pay around $15,000 more on car insurance rates.

For one year’s rate, male drivers will boost an existing policy’s rates an average of 98 percent and female drivers will boost rates by about 73 percent.

When will you see your rates go down?

It’s very important to keep your record blemish-free while you’re young when you want to keep your rates reasonable.

In most cases, teens with the unrestricted license can get a good driver discount after they’ve had their license for three years.

In states where the discount is available, you can expect a drop in your rates after you have three years of experience.

Some companies will only give teen drivers discounts when they have five years of experience.

The biggest drop will be when a driver has nine years of licensing history.

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When You Have to Get Your Own Car Insurance Policy

When do you get kicked off your parents’ car insurance?

If you move out of your parents’ home and into your own, you won’t be able to save money on your parents’ car insurance any longer. You need to buy your own coverage so you can establish your own insurance history.

There is no single best car insurance company for 19-year-olds. Shop around so you can find a rate that best fits into your budget.

Is it best to buy your own insurance when you live in your parents’ home?

If you’re still living in your parents’ home, that doesn’t stop you from buying your own car and then applying for your own insurance.

Can a 19-year-old get car insurance on their own? Yes, but it might not be a great idea. Here are some of the benefits of staying on your parents’ policy:

  • You can get multi-car discounts on your vehicle by adding your policy to your parents’ insurance.
  • You’ll qualify for all of the loyalty discounts that your parents are already receiving.
  • If your parents have other lines of insurance, you’ll receive a multi-line discount on your car’s rate.
  • You may be able to be rated as a secondary operator if there are multiple experienced drivers in the home.

Staying on your parents’ policy as long as you can is beneficial. If you live with your parents, you qualify for coverage under their policy even when you own your own car. You can also qualify for their coverage because you’re still a resident relative and a dependent.

Can you get car insurance with your parents when you’re in college?

If you’re going off to college, that doesn’t mean you’ll be kicked off your parents’ policy. If you’re going away without a car, you may receive a Student Away at College discount.

This can save everyone money while still guaranteeing you’ll have protection when you’re visiting home or renting or borrowing a car.

If you’re taking your car with you, you still can keep the car on the policy as long as the vehicle stays registered in the state.

By keeping your residency at your parent’s address, you’ll still be eligible for car insurance for a 19-year-old college student combined with your parents. This is good news when you’re living on a student’s budget.

Need to buy 19-year-old car insurance now? Start comparison shopping today for cheap insurance quotes for 19-year-olds by using our free online quote tool. Enter your ZIP code to compare the cheapest auto insurance for 19-year-olds.