Car Insurance for 19-year-olds

Car insurance for 19-year olds

There's much to be said for driving experience when it comes to insurance. When quoting rates for young drivers, insurance companies consider criteria such as accident data, and the younger the driver, the more likely they are to be involved in an accident. As a result, 19-year-olds pay higher rates than many older drivers, but there are still some cost-cutting techniques you can employ. Despite the high cost of coverage, drivers who turn 19 see a considerable reduction in their auto insurance costs.

How much is car insurance for a 19-year-old?

Adequate auto insurance for a 19-year-old will provide you with a good mix of coverage and price. Although the costs of insuring a 19-year-old driver on their own are higher, they are still likely to be lower than the expenses of insuring a 16-year-old driver in the same situation. A younger driver would spend roughly $2,500 more than a 19-year-old.

Companies that offer the cheapest car insurance for 19-year-old

Many well-known insurers offer the customers the best average annual premium rates.

Cheapest auto insurance company for 19-year-old

In nine of the country's most populous states, the table below displays the lowest insurance providers for a 19-year-old driver.

Why is car insurance cost so high for a 19-year-old?

Car insurance premiums are calculated based on the number of drivers and the kind of vehicle. When a statistically risky driver, such as a teenager, is combined with a high-performance car, an insurance company considers the combination risky and charges accordingly.

Vehicles with high MSRPs (Manufacturers Suggested Retail Price) typically have higher insurance premiums since the insurance company is taking on more financial risk by agreeing to replace it. Stick with a lower-budget model if you're a teen driver seeking a lesser rate.

Rates by gender (m/f) table

How much is insurance for a 19-year-old female? The average cost of car insurance for a 19-year-old male is more than female.

Most companies' average annual premium rates are comparatively more affordable to females than males.

Gender is only a substantial rating factor for young drivers. According to vehicle insurance companies, young male drivers are statistically more likely than young female drivers to take risks while driving.

Which vehicles are the cheapest for auto insurance for a 19-year-old driver?

Car insurance premiums are calculated based on the number of drivers and the kind of vehicle. When a statistically risky driver, such as a teenager, is combined with a high-performance car, an insurance company considers the combination risky and charges accordingly.

Vehicles with high MSRPs typically have higher insurance premiums since the insurance company takes on more financial risk by agreeing to replace it. Stick with a lower-budget model if you're a teen driver seeking a lesser rate.

Can a 19-year-old get their car insurance?

Yes, a 19-year-old is eligible to get car insurance. Shopping around for cheap insurance as a 19-year-old — or at any age — is the most crucial technique. An insurer prices customers based on various characteristics, and the cheapest insurance company for you may be very different from your high school classmate or college roommate.

Young drivers might save money by staying on their parents' policy or checking out all possible savings when shopping around.

Compare auto insurance quotes

Whether they need insurance for a sports car or a van, 19-year-olds should compare quotes from several insurers to see if they can get affordable vehicle insurance. Insurance companies charge more for young drivers, but the charges vary by firm, and some insurers have less severe rate spikes for young drivers.

We recommend Erie and USAA to 19-year-olds when they are available, but the best company for you may be different.

Continue to stay on your parents' policy

You can stay on your parents' auto insurance coverage if you still reside at home. Residing at home increases insurance costs for your parents, but the higher rate is usually less expensive than the cost of having two separate policies.

If a young driver spends a significant portion of the year away from home, they may qualify for a ‘student away from home’ discount of 25%.

Make the most of insurance reductions.

A 19-year-old driver can take a number of actions to demonstrate that they are a safer candidate for vehicle insurance coverage and reduce the high prices charged by insurers. Being a good student, taking defensive driving courses, keeping a clean driving record, and developing an excellent credit score are just a few.

How to save on car insurance as a 19-year-old driver?

Compare Auto Insurance quotes

Because your premium can fluctuate every six months for various reasons, it's critical to shop around for insurance quotes from as many firms as possible. Depending on the company you choose, your fee may vary significantly. Enter your ZIP code to see what options are available in your area.

Student discounts are available.

If you have a 3.0 GPA or better (a B average), you might be eligible for a good student discount. Your insurance company will require proof of this, usually in a report card or transcript. Pairing a good student discount with the defensive driver discount mentioned below can lead to some legitimate savings.

Discount for defensive drivers

Young drivers who complete a professional driving course are eligible for a defensive driver discount. The reason behind this is that drivers who complete the course are less likely to receive a penalty or be involved in an accident. A driver discount is not available from any insurance provider, so check with yours or your agent.

Discount for students who are studying away from home

The student away from the home discount, commonly given to college students, rewards young drivers who will study more than 100 miles from the residence indicated on their parents' policy. Insurance providers will reduce prices on auto insurance coverage to compensate for the teen's less frequent driving.

Maintain a spotless record.

Insurance is a two-edged sword: it's a good thing to have, but it can be costly to use. Avoid tickets or at-fault accidents, dramatically increasing your already-exorbitant auto insurance prices. Insurance premiums are increased by at least 40% for offenses like DUI or racing, two of the most expensive citations. Many insurance companies provide a good driver discount if you keep your driving record clean.

Telematics

Telematics, often known as usage-based insurance, is a type of insurance that employs in-car gadgets to track your driving behavior to calculate your premium. Insurance companies utilize a variety of rating elements, including credit score and age, that are and are not in connection to your driving record. Consider telematics insurance to show your genuine self to your insurance provider if you're a safe adolescent driver.

Auto insurance rates by state

The insurance cost for young drivers is heavily influenced by where they live. Auto insurance premiums differ from state to state since it is a state-regulated industry. Most states require minimum liability coverage to cover damages to other drivers and their property, but the coverage required varies.

As a 19-year-old, expect to pay a lot for auto insurance if you live in a state with high insurance minimums, such as Michigan. Premiums are more reasonable in states with lower population density and less stringent laws, like Michigan's neighbor Ohio.

Adding a teen parents policy

Teen drivers, on average, pay $295 more per month than drivers of all ages. This is due to the increased risk posed by young drivers, and new drivers have less experience behind the wheel and are more likely to take unnecessary risks. Here are some scenarios to consider while deciding how to handle auto insurance:

The 19-year-old lives with his parents and has no traffic violations on his record.

If you have been a licensed driver for at least three years and have a clean driving record, you may be eligible for a good driver's discount, which can help cut your parents' premiums.

Although the 19-year-old has a decent track record, he does not live with his parents.

If you own a car and live alone, separate coverage can be good. You need to have coverage when you don't own a car but drive another vehicle regularly, such as your roommate's. The 19-year-old lives with his parents, but his driving record is dismal.

Whether or not it makes sense to acquire your policy if you live at home and have several accidents and tickets depends on the number and severity of the accidents and driving infractions.

The 19-year-old has a shady past and does not reside with his parents.

If a teen with a bad driving record no longer lives at home, parents should remove them from the family policy.

Driving laws for 19-year-old

• Seat belt use is consistently more excellent among all age groups in states where primary enforcement seat belt laws exist than in states where secondary enforcement seat belt laws exist.
• Even if your teen has received driving training, they complete at least 50 hours of adult-supervised driving before driving without adult supervision. Parents and teenagers should keep track of the number of hours they spend driving together and mix up the experiences.
• For the first 1,000 miles or six months of unsupervised driving, safety experts urge that newly licensed adolescent drivers do not transport teenage passengers. With only one teen passenger, the chance of a deadly collision for a young driver double. Each additional passenger raises the likelihood of a deadly collision.
• A parent/teen driving agreement is a written contract that parents of teen drivers can use to regulate their teen's driving after acquiring their driver's license. The agreement must include driving limits, rules, and repercussions for disobeying the rules.

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