Last updated: November 24th, 2022
Reviewed by
Grant Desselle
Licensed Insurance Agent
Age also plays a big role in the cost of premiums for car insurance, with younger individuals typically paying more. Keep reading to find out more about the best auto insurance for 19-year-olds, including where you might find the cheapest premiums.
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As a 19-year-old, you may have two overall choices when it comes to car insurance. If you don’t yet own your own car, you can be added to your parents’ policy as a driver for their cars. Typically, this is the most cost-effective way to gain auto insurance as a teenager.
But since you’re 19, you do have the option to own your own car and get an insurance policy in your own name. The only place you can’t do that is Mississippi because the age of majority in that state is 21.
Taking that step toward independence can feel great, but it’s important to carefully consider whether you can afford the car and insurance to go with it. In this case, the best auto insurance for you is the one that provides the right amount of coverage while also fitting into your budget.
On average, 19-year-olds with individual policies and full-coverage insurance pay $200 to $500 a month. Carrying only liability coverage can cut those costs by a substantial amount, bringing the average down to $100 to $200 per month.
Age is only one factor in determining the cost of insurance. Some other factors include:
Shopping around for insurance is one of the best ways you can save money as a teen driver — it’s actually true for drivers of any age. Start here by checking out some average monthly premium amounts for 19-year-olds.
Average cost for auto insurance for 19-year-old females
| Company | Average monthly premium, full coverage |
| State Farm | $260 |
| GEICO | $310 |
| Farmers | $320 |
| Progressive | $330 |
| Nationwide | $360 |
| Allstate | $400 |
| Liberty Mutual | $470 |
Average cost for auto insurance for 19-year-old males
| Company | Average monthly premium, full coverage |
| State Farm | $320 |
| GEICO | $360 |
| Progressive | $380 |
| Farmers | $400 |
| Nationwide | $450 |
| Allstate | $470 |
| Liberty Mutual | $780 |
Insurance companies set premium prices to account for perceived risks. The riskier they consider you, the higher premiums will be. Drivers aged 16 to 19 are considered a high risk partly due to statistics. They are involved in more wrecks in general than people of other age groups, and the Centers for Disease Control and Prevention published data that indicates teen drivers are three times more likely to be involved in an accident involving a fatality than drivers who are older.
You can save around 50% on average if you own your car outright and live in a state where you can purchase liability-only insurance on it. Just remember that you won’t be covered if you get in an accident that is your fault or something happens to the car outside of an accident — such as a tree falling on it. Keep your coverage needs in mind as you shop for the best car insurance for you.
Brian is the founder and CEO of Insurist and carries Life, Health, and Property & Casualty licenses in all 50 U.S. states. Since 2013, Brian has been a member of Million Dollar Round Table, a designation for the top 1% of financial advisors worldwide. Brian has been featured in Yahoo! Finance, Money.com, Entrepreneur.com, Life Happens, Forbes, MSN, and Good Financial Cents. Brian’s goal is to show customers the best products, the quickest answers to their questions, and provide expert advice.
Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. He has reviewed thousands of existing auto policies across the nation and issued hundreds of new ones on everything ranging from classic cars undergoing restoration to modern exotics and motorcycles.
