Avg Car Insurance Rates By Age - Auto insurance costs 19-year-old drivers an average of $319 per month (or $3,822 per year). Young people generally have the highest auto insurance rates, and coverage for 19-year-olds is $2,170 more expensive per year than for typical drivers.
Rates are more expensive than average for 19-year-olds, but you can still get cheap auto insurance quotes with some companies. We found 19-year-old auto insurance to be the cheapest in the COUNTRY, offering 43% less coverage than average for this age group.
Avg Car Insurance Rates By Age
Find auto insurance premiums for drivers age 19 using rates provided by Quadrant Information Services for each ZIP code in the 50 states including Washington, D.C. These are for a 2017 Toyota Camry LE driven 10,000 miles per year, and for full coverage with the following coverage limits:
Car Insurance Costs By State
Our rates are the average cost for youth ages 21 and 18. To find the cost of adding a 19-year-old driver to your insurance policy, we find the cost of adding a 16-year-old driver to a family plan, then use the difference share between 16 to 19 year olds. old driver to this number.
The average 19-year-old pays $319 a month for auto insurance, or $3,822 a year. Compared to the average cost of coverage for most drivers, the cost of auto insurance for 19-year-olds is 131% more expensive.
Despite the high average cost of car insurance for 19-year-olds, many companies offer coverage at much more affordable rates. Our analysis found that the cost of insurance from the cheapest companies can be 30% lower than average.
USAA has minimum auto insurance for 19-year-olds, but it's only available to members of the military, veterans, and their families. COUNTRY is the most affordable provider for 19 year olds offering coverage to the public.
Average Cost Of Motorcycle Insurance (2023)
The difference between the cheapest and most expensive companies for 19-year-olds can be thousands of dollars a year, which is why it's important for young drivers to shop around and compare rates before choosing a policy.
Since rates can vary greatly from company to company, even for the same driver, this is the best way to avoid paying more than necessary for auto insurance.
Yes, unlike teenage drivers, 19-year-olds can buy their own auto insurance. Auto insurance policies are contracts between a driver and a company, and only adults can accept the contracts.
Drivers under the age of 19, such as newly licensed 16- and 17-year-olds, can only get auto insurance by joining their parent's existing policy or getting their permission first.
Why Is Car Insurance So Expensive?
Auto insurance rates for 19-year-olds can vary depending on the nature of the driver. Fees are, on average, more expensive for men than for women. We found that the cost of car insurance for 19-year-old male drivers is $41 more per month than for female drivers.
Some states do not allow insurance companies to set premiums based on gender. In these states, 19-year-old male drivers will not pay more than their female counterparts:
Car insurance costs more for 19-year-old male drivers than for female drivers of the same age, but the difference in prices depends in part on the company.
Among the companies with the lowest auto insurance rates for 19-year-olds, the difference between what male and female drivers pay is the smallest at GEICO. At GEICO, male drivers pay $15 more per month than female drivers.
Tampa Car Insurance Rates, Quotes & Agents Reviews & Research In Florida
The cost of auto insurance for 19-year-olds is more expensive than average, but still cheaper than for young drivers. We found that car insurance pays for 19-year-olds 131% more than average, but 35% less than 16, 17 and 18 drivers.
Nineteen-year-olds pay higher auto insurance premiums than 19-year-olds because they are less experienced than older drivers. Data shows that 19-year-olds are more likely to be involved in accidents than older drivers, making them a greater risk for companies to insure them.
Nationwide, 19-year-olds pay an average of $3,822 for car insurance, but their rates depend in part on where they live. Auto insurance costs for 19-year-olds average $5,739 when comparing the cheapest and most expensive states.
Hawaii has the lowest auto insurance for 19-year-olds of any state, because it does not allow car insurance companies to take into account age.
How Much Is Car Insurance Per Month? Average Cost
On the other hand, Louisiana, already one of the most expensive states for the region, has the most expensive auto insurance for 19-year-olds, at $7,001 per year.
Rating How we rate: 'Ratings are determined by our editorial team. Our approach takes into account several factors, including price, financial qualifications, quality of customer service, and specific product characteristics.
On average, auto insurance for 19-year-old drivers costs $187 per month (or $2,246 per year) with COUNTRY Premium. This makes ORILE 41% cheaper than the average for 19 year olds.
In addition to cheap rates, COUNTRY also offers 19-year-olds some insurance discounts that they can use to keep costs down. These include discounts for full-time students who maintain a B average or better, and discounts for completing defensive work.
Auto Insurance Rates By Age In 2023
COUNTRY also offers New Car Replacement warranties for vehicles up to five years old (better than the typical three year limit). You can also add roadside assistance and personal effects coverage, although these are more typical offerings.
Although COUNTRY is the cheapest auto insurance for 19-year-olds, it is certainly not the cheapest company in any state. USAA is the cheapest auto insurance company for 19-year-olds in 18 states.
Auto insurance for 19-year-olds can be expensive, but you can still get cheap rates with a little extra work.
The most reliable way for 19-year-olds to find the best auto insurance is by comparing quotes from multiple companies and choosing the one that offers the most affordable rates. Other ways to save on car insurance for teenagers include:
Cheap Car Insurance For 19 Year Olds
The average cost of auto insurance at age 19 is $3,822 per year, although it only costs $2,477 to add a 19-year-old to an existing insurance policy. 19 year olds have a harder time getting insurance because they have spent less time driving.
USAA has the lowest average cost of auto insurance for 19-year-olds. However, since USAA only offers coverage to individuals and families enrolled in the military, COUNTRY is a 19-year-old company that It is not expensive and available to everyone.
Auto insurance is usually more expensive for male drivers under the age of 19 than for female drivers. On average, the cost for men is $496 more per year than for women of the same age, although this varies by industry.
Rachael Brennan is a Senior Editor and Author Automation Expert at . His work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Princeton, Nj, Car Owners Can Save $490 On Car Insurance
Andrew Hurst is a senior editor and licensed automotive expert. His work has also been featured in the New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Business Intelligence Magazine, ValuePenguin, and Property Casualty 360. Our mission is to help you make the decision making information with confidence. We have an advertising relationship with some of the offers on this page. However, this does not affect our editorial judgment or recommendations. The ratings and listings for our reviews, tools, and all other content are based on objective analysis and we have our full opinions.
Your insurance rates depend, in part, on your age. Find out why age is taken into account and at what ages you can expect to pay more and less for auto insurance.
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. He has written for various media outlets, including the USA Today Network. Most recently he worked in the public sector for the Nevada Department of Transportation.
John is the editorial director of Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and has been an editor and reporter at other media outlets covering insurance, personal finance and technology.
When Does Car Insurance Go Down? (2023)
Auto insurance rates depend on several factors, age being one of the most important. After all, young drivers between the ages of 16 and 19 are nearly three times as likely as drivers 20 and older to be in a fatal crash, according to the CDC.
The average cost of car insurance for people under the age of 25 is quite high. Teens and young drivers don't have much experience behind the wheel and are prone to accidents, making them a high risk for auto insurance providers. Higher risk equals higher rates.
Regulators have broken down the average cost of auto insurance from ages 16 to 75 in each state. Here's what you can expect to pay for auto insurance at any age.
Auto Insurance Rates in California by ZIP Code Enter your ZIP code to get an average rate. Then enter your Age, Gender, and Coverage Level to get your personal rate.
Compare Auto Insurance Quotes (from $31/mo)
Minimum state: Liability coverage required to drive legally in your state; Some states require additional coverage, such as personal injury coverage, lack of insurance or impaired driving. 50/100/50 Liability only: $50,000 per person / $100,000 max per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damages caused to others. Total area 100/300/100: $100,
Whole life insurance rates by age, term life insurance rates by age chart, life insurance rates by age, whole life insurance rates by age chart, term insurance rates by age, term life insurance rates by age, avg insurance rates cars, avg health insurance rates, avg health insurance rates by age, avg car insurance rates, car insurance rates by age, insurance rates by car and age
