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How Much Is Car Insurance For A 19 Year Old

A known fact is that teenagers of all drivers pay highest insurance rates. Regardless of whether you provide insurance for your child or are purchasing the first young adult auto policy, it is best to get quotes on cost coverage. You can determine the cover price in advance and accordingly enable your budget. It helps in comparing the rates.

Is there a difference between male and female drivers?

Gender is a relating factor and so 19-year olds can see a difference in car insurance between women and men drivers. Young males approximately pay more on a 6- month policy period for $235 than female drivers. This is because the insurance companies statistically consider the young males to be risky drivers.

Car insurance for a 19-year-old female


State Average rate
Alabama $2,634
Alaska $2,066
Arizona $2,179
Arkansas $2,700
California $3,542
Colorado $2,402
Connecticut $3,693
Delaware $3,828
District of Columbia $3,334
Florida $3,517
Georgia $2,785
Hawaii $1,101
Idaho $1,982
Illinois $2,000
Indiana $2,266
Iowa $1,795
Kansas $2,171
Kentucky $2,452
Louisiana $3,809
Maine $1,878
Maryland $2,744
Massachusetts $3,209
Michigan $5,250
Minnesota $2,333
Mississippi $2,415
Missouri $2,087
Montana $3,129
Nebraska $1,888
Nevada $2,357
New Hampshire $1,957
New Jersey $3,700
New Mexico $2,268
New York $2,627
North Carolina $973
North Dakota $2,166
Ohio $1,947
Oklahoma $3,358
Oregon $2,654
Pennsylvania $2,416
Rhode Island $2,989
South Carolina $2,366
South Dakota $2,015
Tennessee $2,597
Texas $3,602
Utah $2,014
Vermont $1,979
Virginia $1,991
Washington $2,230
West Virginia $2,477
Wisconsin $2,554
Wyoming $2,110

Young male drivers, you can take comfort as you age, there will not be the significant premium difference between men and women. Particular rate depends on the driving record, the place you live and your credit history, besides the car model you drive and the coverage you buy. However, the teen policy separate rates are based on the coverage limits.

Car insurance for a 19-year-old male

State Average rate
Alabama $3,470
Alaska $2,493
Arizona $2,684
Arkansas $3,240
California $4,533
Colorado $2,922
Connecticut $4,679
Delaware $5,154
District of Columbia $4,274
Florida $4,138
Georgia $3,656
Hawaii $1,101
Idaho $2,589
Illinois $2,574
Indiana $2,943
Iowa $2,278
Kansas $2,757
Kentucky $2,861
Louisiana $4,732
Maine $2,570
Maryland $3,453
Massachusetts $3,209
Michigan $5,311
Minnesota $3,001
Mississippi $2,906
Missouri $2,652
Montana $3,076
Nebraska $2,375
Nevada $2,889
New Hampshire $2,650
New Jersey $4,274
New Mexico $2,780
New York $3,452
North Carolina $973
North Dakota $3,084
Ohio $2,417
Oklahoma $4,214
Oregon $3,135
Pennsylvania $2,416
Rhode Island $3,774
South Carolina $2,872
South Dakota $2,684
Tennessee $3,294
Texas $4,303
Utah $2,530
Vermont $2,603
Virginia $2,482
Washington $2,677
West Virginia $3,174
Wisconsin $3,429
Wyoming $2,712

How to save money on car insurance for 19-year-olds

Adding a teen to parents' policy

A general practice is that most states consider 19-year-olds to be adults and in such places, drivers can purchase their own car insurance. However, parents consider the less expensive and convenient approach of adding the teen to their policy, particularly if the teen lives with them at home.

It is cheaper mainly because the premiums are set by the insurance companies owing to various factors, such as the driving record and experience of the policyholder. This means the parent can qualify for multi-policy, multi-vehicle and loyalty discounts. Yet, the fact stays that adding a 19-year old to your existing policy will be a bit expensive policy.

Car insurance discounts for 19-year-olds

Discounts reduce the bill and the insurance discounts should be checked as it also varies with each state. However, 19-year-olds can enjoy car insurance discounts if he or she is:

  • A good driver maintaining a clean record for three years can enjoy 10 to 25 percent discount.
  • Drivers education course is completed means you get a discount of 5 percent.
  • A good student maintaining a B or 3.0 averages is sure to get 15 percent discount.

Adding a 19-year-old driver to parents' policy is usually saves money

As a 19-year-old driver looking for car insurance means look for saving money or discounts that qualify you and help in managing insurance rates. You can do this by considering few situations that relate to you:

The 19-year-old lives with parents and has a clean driving record

It is good if the teen is added to the existing policy of their parents and is typically less expensive. As a teen, you can reduce the premiums of your parents by qualifying as a good driver having at least three years of clean driving record and maintaining a B average. Thus avail discounts and save money.

The 19-year-old has a good record but doesn't live with parents

Having a separate policy is ideal if you own a car and are not living with your parents. Buying coverage is essential even if you are driving your friends or roommates car. In such situations, when you do not own a car but are buying coverage, you should buy a non-owner car insurance policy that provides protection, continual coverage, meets the minimal requirements of the state insurance and provides continual coverage, such that it turns favorable over time as low premiums.

The 19-year-old lives with parents but has a poor driving record

The teen living at home has tickets due to causing accidents means getting a policy or not is based on the accidents severity and the number of accidents or moving violations caused. The parents need to get quotes to know the cost to keep the teen in their existing policy or to get a separate policy. However, a teen being on parents existing policy is cheaper and has the advantage of enjoying discounts such as multi-policy, multi-car, and others. Again, the fact of enjoying discounts relies on the driving history records.

The 19-year-old has a poor record and doesn't live with parents

The 19-year-old who does not live with parents should not be included in the family policy, especially when he has a poor driving record. It is clear that he should get a separate policy. In case, the parents have the teens names added in their policy and if they wish the teens name to be taken off their policy, they should show the teens new auto policy or his or her driver’s license bearing the different address.

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