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The cost of adding a teen driver to your car insurance can be astonishing, even if the driver is 19 years old. Insurance premiums for teenage drivers gradually decline as they gain driving experience, but typically do not drop significantly until they are in their early twenties.
To help you find the cheapest car insurance for 19-year-olds, we’ve looked at car insurance costs.
How much is car insurance for a 19 year old
Car insurance costs an average of $1,733 per year for a 19-year-old, according to Forbes Advisor analysis. This equates to approximately $144 per month an additional parent pays to add a 19-year-old driver to the policy.
That’s a lot of money, but far less than the average car insurance premium for a 19-year-old individual ($4,649 a year). That equates to $387 per month, which is a lot for a teenager.
Let’s take a look at the total cost of new car insurance for the whole family. The average cost of parental insurance including a 19-year-old driver is $4,695 per year.
Auto insurance premiums for 19-year-old drivers are higher because they are still considered inexperienced and are more likely to have accidents and claims than older, seasoned drivers. 19-year-old drivers are at higher risk, so insurance companies charge higher rates.
Finding the best car insurance at an affordable price is important, but it’s not the time to cut back on coverage to save money. Adequate coverage levels are required when young adults are behind the wheel.
What is the cheapest car insurance for 19 year old drivers?
USAA is the cheapest car insurance company to add a 19 year old driver to a parent’s policy. USAA is available only to military personnel, veterans, and military families. If you don’t qualify for USAA membership, consider American Family or Geico.
Cheapest car insurance company to add a 19 year old driver.
Below are the costs for adding a 19-year-old child to an existing parent’s auto insurance.
Cheapest auto insurance company for parents and 19 year old drivers.
When buying insurance for parents and 19 year olds, USAA offers the cheapest car insurance. Travelers has her second cheapest, and he is just ahead of Geico. Both Travelers and Geico are over $900 cheaper than the national average.
Cheap car insurance for 19 year old with own policy.
USAA, Geico, and Auto-Owners were the 19 cheapest companies to buy their own insurance based on the companies in our analysis.
What Factors Affect Car Insurance Premiums for 19-Year-Old Drivers?
The main factors that affect 19-year-old car insurance premiums are:
Auto insurance companies consider young and inexperienced drivers to be at high risk. That’s why it can be very expensive to add a teenage child to a parent’s car insurance, or for a teenage child to purchase their own insurance. A significant increase cannot be avoided, but steps can be taken to mitigate its impact.
Auto insurance companies base their rates in part on previously paid claims. Males pay higher insurance premiums because male teens are responsible for more accident claims than females in their teens. Both men and women will see a price increase on their next renewal if they are in an accident or get a traffic ticket.
The amount and cost of claims made in your area affects the cost of auto insurance. Location-related factors that often affect the cost of auto insurance include:
- Claims related to weather and disasters such as hail and floods.
- Frequency of claims related to auto theft and vandalism.
- Frequency of car accidents.
- Vehicle repair costs, including parts and labor.
- Medical bills. This affects the amount an insurance company has to pay for a damage claim.
If you include collision and comprehensive insurance as part of your policy, auto insurance pays for claims related to damage to your vehicle due to collisions, backing up to utility poles, trees hitting your vehicle, car theft, etc. increase. If your vehicle is more expensive to repair or replace than other vehicles, the additional costs will be reflected in the price you pay for collision and comprehensive coverage.
What are the discounts for 19 year olds?
19-year-olds have long had a reputation as high-risk drivers, so there may not be many car insurance discounts for 19-year-olds. But it’s profitable for the bottom line to see what your girlfriend’s teen is entitled to receive.
good student discount
If you are a 19-year-old driver, the ‘Good Student Discount’ can help. Your auto insurance company may not know to add it unless you let them know.
Forbes Advisor’s analysis of leading student discounts found an average savings of 4%.
Eligibility rules for this student auto insurance discount vary by company, but typically students must attend high school or college full-time, have good grades, and be within a certain age range.
A “good student” usually means to an auto insurance company either:
- Average of 3.0 or higher.
- Better than B grade average.
- Top 20% of class.
- A list of deans, honorary rolls, or equivalent.
- Scored in the top 20% on national standardized tests such as the SAT and ACT within the last 12 months.
student outing discount
If your 19-year-old is attending college away from home, you may be able to get another discount. According to our analysis, the “away from home student discount” saves an average of 8%.
To be eligible for the student discount, 19-year-olds must meet certain requirements. Requirements vary by car insurance company. Basic eligibility for discounts typically includes:
- A student lives at a school more than 100 miles from home.and
- The car stays at home while students are absent from school.and
- Students drive their cars only when they are at home during holidays and vacations.
Driving class discount
This discount isn’t that common, but it’s beneficial if your insurance company offers it. Once your girlfriend’s 19-year-old has completed an approved driver training program, you are eligible for a training discount. Please ensure that your insurance company has approved the discount before your teen driver joins the course.
Can 19 year olds get their own policy?
Yes, 19-year-old drivers can purchase their own car insurance. This might make sense if your 19-year-old has a car registered in your name, or if you have your own car and live alone. If a teen still lives at home and drives a family car, it is usually much cheaper to get parental insurance instead.
How to get the cheapest insurance at 19
Here are some tips for getting the cheapest car insurance for 19-year-olds.
Compare multiple quotes
Car insurance companies that were cheap to parents may no longer have competitive rates when a 19-year-old driver joins in. When adding a new driver, it’s a good time to compare auto insurance quotes and look for a better deal.
Look for discount opportunities
Look for student discounts, such as student discounts, in addition to discounts for outstanding students for getting good grades or for completing a driver’s education class. Also, ask your auto insurance agent about other auto insurance discounts that may apply to families with 19-year-old drivers.
take an affordable car
If it costs less to repair or replace your car, it’s cheaper to get collision or comprehensive insurance. Teenage drivers need a reliable and safe car, but if you want to keep your insurance premium low, avoid luxury cars and definitely avoid high-performance sports cars.
You may be thinking of cutting your car insurance premiums to save money, but if you have a 19-year-old driver, it’s not the time to cut your car insurance premiums. Teenage drivers are more likely to be involved in a car accident, so they are more likely to need adequate auto insurance for claims. Minimum Liability Auto Insurance Required in Your State Buy more than that and consider purchasing comprehensive collision coverage to protect your vehicle. You can find cheap full-coverage auto insurance through comparison shopping.
Select a deductible when purchasing Collision and Comprehensive insurance. A higher deductible, such as $1,000 instead of $500, usually reduces costs.
To determine if a higher deductible is worth the savings, ask your car insurance agent for a quote on the various levels of deductibles. Keep in mind that 19-year-old drivers are more likely to crash into something than older people.
Average car insurance premium for 19 year olds by state
Average car insurance premiums for 19-year-old drivers by gender
A 19-year-old male driver pays 31% more than an age-matched female if he has parental insurance. Her teenage male driver pays more for car insurance than her teenage female driver. This is because men are more likely to have an accident and file an insurance claim.
Average car insurance premiums for 19-year-old parents by gender
Male drivers also pay more than female drivers when they purchase their own auto insurance at age 19.
Average car insurance premiums by gender for 19-year-old compulsory automobile liability drivers
We used data from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on parents with good driving records and his 19-year-old driver insuring a Toyota RAV4. Policy limits are $100,000 per person for personal injury liability, $300,000 per accident, $100,000 for property damage liability (known as 100/300/100), uninsured driver coverage and All inclusive, including collisions and a $500 deductible.
Best Auto Insurance Company 2023
With so many auto insurance companies to choose from, it can be difficult to know where to find the right auto insurance policy. We evaluated insurance companies to find the best car insurance companies.
Cheap car insurance FAQs for 19 year olds
Why is car insurance cheaper for 19-year-olds than 18-year-olds?
Car insurance at 19 is slightly cheaper than at 18. This is because as teen drivers become more experienced, they are less likely to get into a car accident. 19-year-old car insurance premiums are cheaper for those who have been driving since the age of 16 and have a good driving record.
Some car insurance companies offer car insurance discounts to safe drivers who maintain a three-year clean driving record, so drivers as young as 19 may be able to start taking advantage of those discounts.
Can a 19 year old get a parent’s car insurance?
Yes, a 19-year-old can have a parent’s car insurance if he or she is driving the parent’s car at home or is out of school with or without the car. If a child purchases and registers a car in their own name, they are usually required to have their own car insurance.
Start by asking if your auto insurance company offers generational discounts. Whether or not your child gets a discount for purchasing insurance from your insurer, it’s always wise to compare auto insurance quotes to see who offers the most affordable rates. is.
Will Safe Driving Affect Car Insurance Premiums for 19-Year-Old Drivers?
Safe driving has a positive impact on a 19-year-old’s car insurance premium. Exhibiting safe driving behavior can help lower the cost of car insurance because insurers see you as less risky to insure. Car insurance usually costs more after a ticket or an accident, but safe driving keeps costs down.
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