According to Coverage.com, young male drivers are almost triple the rate of young female drivers, who are on average 2,902 deaths compared to 1,024. Source URL
Furthermore, Insurify conducted a study of hundreds of thousands of quotes for teenage drivers to determine the average monthly cost of auto insurance, and they found that the rates were higher than the average for all other U.S. drivers, particularly for males. Source URL
Average Cost for a 19-year-old Male
Every situation is different, but to get an idea of what you can expect to pay, to go deeper, we researched rates in each state that added a 19-year old teen to the car insurance policy.
|19 Year Old||Cost to add to state minimum parent policy||Cost to add to full coverage parent policy|
- The average household’s car insurance bill rose by about 70% to add a teen age 19.
- A 19-year-old male son was more expensive. The average bill rose 60% for women age 19 vs 80% for a 19-year-old male. Source URL
Average Cost of Full Coverage for 20 years-old Male
Average Cost for All 19 years-olds
If you’re a 19-year-old, you pay high rates for auto insurance. You’re a high-risk driver, which means you’re more likely to make a claim. The average cost of full coverage for a 19-year-old driver is $3,560, which is more than $1,800 higher than the national average for drivers age 30. This is due to the fact that they are inexperienced and have a high rate of accidents. Source URL, Source URL
Why is Car Insurance So Expensive for 19-year-olds?
Auto insurance rates vary depending on a number of demographic details. Car insurance for 19-year-olds is particularly expensive because these drivers are seen as less risk-averse and more likely to get into an accident resulting in a claim. The other factors that commonly impact premiums are:
- Marital status
- Credit score
- Driving history
- Vehicle make and model
Insurance for a 19-year-old is generally costly, not only because of the driver’s age but other factors that likely apply to teenagers. Young drivers usually have short driving histories and low credit scores. These things further impact premium rates. Source URL
Average Cost for 19-year-olds vs 16-year-olds
A 19-year-old will pay about $2,500 less for auto insurance than a 16-year old will. Source URL
Average Cost for 19-year-olds vs 18-year-olds
Car insurance for 19-year-olds is more expensive than it is for the average driver, but is far less than that of 18-year-old drivers on their own policy. According to Carinsurance.com, Men pay an average of $5,605 for their own full coverage policy, which is $833 more than women. Source URL, Source URL
Most Expensive and Least Expensive States
The second cheapest state for 19-year-old drivers is North Carolina, with an average cost of $1,490 annually for full coverage and $550 annually for minimum coverage. Louisiana, on the other hand, has the highest full coverage cost at over $6,240 annually. Source URL
The table below shows the average car insurance rates (for full coverage) for 19-year-old-drivers for states around the U.S. to give you perspective on how much a 19-year-old male can pay by state:
|State||Full Coverage Average Annual Premiums|
Based on the data findings, these are the top five most expensive states for car insurance for 19-year-olds.
- Louisiana: $5,346
- Michigan: $7,270
- Nevada: $5,260
- New Jersey: $5,542
- New York: $5,960
Louisiana has a high number of uninsured drivers, while Michigan has a special way of handling auto insurance in the state, requiring all drivers to carry personal injury protection (PIP) coverage. Both New York and New Jersey are no-fault states, and while New Jersey has the highest population density in the country, New York drivers often fall victim to insurance fraud. All of these factors can contribute to higher insurance costs overall for these states. Source URL
On the contrary, these are the five most affordable states for 19-year-old car insurance.
- Hawaii: $1,175
- Iowa: $2,224
- Maine: $1,738
- North Carolina: $1,512
- Ohio: $2,200
Hawaii is the cheapest state for auto insurance simply because not as many residents drive there. Made up of islands, it is not as navigable as other states. Other states like Iowa and Maine are more densely populated states with fewer uninsured drivers on the road to drive up auto insurance premiums. Source URL
Car Insurance Discounts for a 19-year-old Driver
As a 19-year-old driver, you may qualify for dozens of insurance discounts. Companies offer good grade discounts to students with a B+ average or higher, for example, or defensive driver discounts to anyone who has taken a driver safety course. You can save up to 9% off your auto insurance rates. This gives you an average savings of $335. Source URL, Source URL
Join Your Parent’s Policy to Save
If you have a teen driver who lives with you but has a poor driving record, it’s usually cheaper for the teen to be on the parent’s policy and take advantage of discounts that trickle down to the teen. Source URL
Best Car Insurance Companies for 19-year-olds
USAA car insurance is another top recommendation for teenagers that qualify. Our team rated it 5.0 out of 5.0 stars. Similar to Geico, USAA has good discount opportunities for insurance for 19-year-olds:
- Good student discount
- Multi-vehicle discount
- Safe driving discount
- Driver training discount
Only military service members and their families are eligible to purchase a USAA policy. If you can, we highly recommend it. In our USAA auto insurance review, our team found that it has low premiums and well-regarded claims servicing. The J.D. Power 2019 Auto Claims Satisfaction StudySM gave USAA a score of 5 out of 5 and it scored 900/1,000 points in the U.S. Insurance Shopping Study. Source URL
Cheapest and Most Expensive Companies for a 19-year-old Male Driver
With Erie’s personalized service, USAA’s military-specific support and GEICO’s discounts, you can find the most affordable auto insurance rates for 19-year-olds.
Not all insurance providers are so affordable, however. These are the most expensive providers for average 19-year-old auto insurance.
- The Hanover: $11,298
- Farmers: $5,284
- MetLife: $5,081
By a large margin, The Hanover charges the highest amount for the average 19-year-old auto policy, making it a last-choice recommendation for most 19-year-old drivers. Source URL
Good Grades in School Lower Costs for 19 year-olds
Good grades can also affect the cost of car insurance for a 19-year-old. When an insurance company sees that you have good grades, they see that you are responsible and are more likely to be a safe, low-risk driver.
Should 19-year-old Males Buy their Own Policy?
The college student premiums listed below are an average of male and female rates with their own policy. Rates decline rapidly within this car insurance age bracket; between the ages of 18 and 22, students can expect their premiums to be cut in half if they maintain a good driving record.
|Age||Average Rates of Males and Females (not on parent’s policy)|