Auto Insurance Prices for 19-Year-Old Males and Females

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Auto Insurance Prices for 19-Year-Old Males and Females

Our average cost of auto insurance for 19-year-olds is 6,021, which is over $500. That is about $1,000 less than the typical price for 18-year-olds ($7,179) but nearly $700 greater than 20-year-olds ($5,333). Younger drivers are thought to be higher-risk and cover more than motorists typically for automobile insurance. For shoppers searching for the most inexpensive choice, our option for the least expensive auto insurance for 19-year-olds is Erie Insurance.

Auto insurance rates broke down by place, sex, and business under, but most of the motorists should use this as an overall guide. You must shop and take advantage of reductions, as prices for folks may fluctuate by insurance to receive your rate.

If you want to see - USAA Car Insurance Reviews Suggest Appealing Plans 2021

Auto Insurance Prices for 19-Year-Old Males and Females

Just how much is car insurance for a 19-year-old?

Prices may vary by insurance, although Normally, full coverage auto insurance prices $ 6,021 annually to get a 19-year-old. Erie Insurance was estimated with a mean price tag of $ 2,649, as the most affordable.

Erie is only available in 13 countries. Although former and current members of the army and their families will be eligible for a USAA policy USAA arrived second. GEICO is the auto insurance firm for 19-year-olds that's widely available to shoppers.

InsurerAnnual premium
Erie$2,649
USAA$2,741
GEICO$3,693
National$4,945
Progressive$5,283
State Farm$5,320
Allstate$9,583

The broad array of prices reveal why automobile insurance providers -- especially young motorists -- ought to always shop about . Our 19-year-old motorist is nearly $7,000 more affordable with Erie compared to the priciest insurance company, Allstate.

Automobile insurance for men is more expensive than insurance for females

The price of auto insurance for men will be more pricey . While women pay $ 5,732 for 19-year-olds, guys pay $ 6,311 each year on average.

This dynamic is like encircling ages, with guys spending 10 percent to 11 percent more, or about $500 to $800 more, for a specified era.

AgeYearly premium - manAnnual high - femininePercent difference
18$7,561$6,79711 percent
19$6,311$5,73210 percent
20$5,590$5,07610 percent

This tendency doesn't hold across all countries. In establishing prices, meaning females and men will cover the cost for car insurance, all else being equal portions of Michigan, california, Hawaii, Massachusetts, Montana, North Carolina and Pennsylvania have prohibited using sex.

Auto Insurance Prices for 19-Year-Old Males and Females

The Expense of car insurance

Car insurance costs decline with age, and a couple of decades can make a difference. The typical 25-year-old pays not $ 6,000 each year in insurance premiums than the typical 19-year-old.

19-year-olds pay nearly $1,000 less than 18-year-olds in premiums annually .

AgeAverage Yearly premium
18$7,179
19$6,021
20$5,333
21$4,453
22$4,128
23$3,840
24$3,597
25$3,207

Best car insurance to get 19-year-olds by state

We looked at typical car insurance premiums to the 10 most populous countries in the nation -- as prices by state change considerably -- and also provided recommendations for the most affordable insurance companies for each.

North Carolina is the country for auto insurance in our sample, using a yearly premium nearly two-thirds more economical than our average.

Michigan is the state and undoubtedly an outlier, for 19-year-olds nearly 3 times as costly with insurance prices.

ConditionAverage 19-year-old Yearly premium
North Carolina$2,095
Pennsylvania$3,964
Ohio$4,072
California$4,179
Texas$4,752
Illinois$5,002
New York$5,261
Georgia$6,014
Typical Price of car insurance$6,021
Florida$6,893
Michigan$17,982

Costs in Michigan fortify the worth consumers can find by shopping about. A car insurance policy to get a 19-year-old from the country prices an average of all...

  • $4,584 with USAA, or
  • $6,155 with Progressive

. . .which is much more affordable than the average of $17,982.

Below are our recommendations for the automobile insurance companies to get a 19-year-old from the 10 most populous countries.

The cheapest car insurance company for 19-year-olds from the 10 largest states

ConditionInsurerTypical Yearly premium
CaliforniaMercury$2,725
FloridaGEICO$4,984
GeorgiaGeorgia Farm Bureau$2,885
IllinoisState Farm$2,981
MichiganProgressive$6,155
New YorkNYCM$3,900
North CarolinaGEICO$733
OhioGEICO$2,543
PennsylvaniaErie$2,887
TexasState Farm$3,716

USAA was scraped, as coverages are only available for current or former military members and their households. With no exception, it delivers the cheapest auto insurance for 19-year-olds from Georgia, Michigan, New York, Pennsylvania and Texas.

The best way to find Inexpensive car insurance because a 19-year-old

The most important strategy to locate insurance that is inexpensive or in any age -- would be to search around. Insurers cost customers on also the insurance firm for you, and also a number of factors might be different from that of faculty roommate or your school buddy.

While shopping around drivers may save by remaining their parents' policies or wanting to take advantage of discounts.

19-year-olds can find cheaper prices from...

  • Shopping about
  • Staying in their parents' policies
  • Use insurance reductions

Shop around for car insurance

Whether they're searching for insurance to get a sports car or a van, then 19-year-olds should search for estimates across multiple carriers to determine if they could find competitive prices. Insurance companies charge more to younger drivers, however, the prices vary by business, and insurance companies impose less rate climbs for motorists. For 19-year-olds, we advocate GEICO, USAA, and Erie where accessible, for you might differ but the companion.

Stay on your parents' coverage

Should you live in your home, you are able to stay in your parents' automobile insurance plan. The speed is more affordable than the cost of having two individual policies, although this makes the coverage more costly for their own parents.

If you are from the house for much of the year, your parents might qualify for a"pupil away from home" reduction, through which they may garner savings.

Make the Most of insurance discounts

19-year-old drivers may take several measures to establish they are safer candidates for automobile insurance policy and reduction the high prices charged by insurance firms. These include being a pupil, keeping a clean driving record, taking defensive driving classes and developing a solid credit rating.

Methodology

Quotes gathered around the 10 countries in the nation for tens of thousands of ZIP codes. Our sample drivers were females and men that drove a 2015 Honda Civic EX. We maintained parameters affecting automobile insurance prices consistent, such as that motorists had a clean driving record and were single. Coverage amounts in the policy policy were as follows, that can be more than what is needed for the minimum policy of almost any state:

Coverage FormResearch Constraints
Bodily Liability$50,000 per person/ $100,000 per accident
Property Damage$25,000 per accident
Uninsured/Underinsured Motorist BI$50,000 per person/ $100,000 per accident
Comprehensive & Collision$500 Deductible
Personal Injury ProtectionMin. When Required by Condition

23 insurance firms were included in the investigation, when their policies were offered in at least a few of those 10 states, though insurance prices were included in our listing of recommendations and rates.

Insurance speed information was used by the investigation of valuePenguin. These rates have been sourced from insurance filings and need to be utilized for comparative purposes only.

Go to Allstate insurance website

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