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How Much Is Car Insurance For A 19 Year Old?

How Much Is Car Insurance For A 19 Year Old?

Let’s face it, it’s not easy to get cheap car insurance for 19-year-old drivers. The average teenage car insurance premiums are very high. The highest rates are generally paid for very young drivers who are about 19 years old. At this age, drivers have a much higher accident rate than at later ages. Considering this fact, how much is car insurance for a 19-year-old

Car Insurance Premiums For 19-Year-Old Drivers Are Some Of The Highest In The Market

Many young people start driving around 16, so at 19 they have about three years of experience. Despite this, those 19-year-old’s are considered by most auto insurance companies as inexperienced, as if they were younger and had just a little time driving. That’s why insurers charge them so much more for insurance premiums. Younger drivers, as the stats point out, get into far more accidents and are the most distracted drivers of any age group. 

Is it possible to find cheap car insurance for 19-year-old motorists? It could be, but it isn’t straightforward. But do not worry, you could still find good deals if you compare rates. Drivers under 25 will always pay more than older drivers, that’s just a fact. However, if you, as a young driver, act wisely, you can compare car insurance quotes online and save some serious money. How much, you ask? That depends on a lot of factors, like the car you drive and your driving record, to name a few.  

Which Are The Average Costs Of Auto Insurance Premiums For 19-Year-Old Drivers?

A simple question could be, “How much is car insurance for a 19-year-old?” or “Is it possible to get cheap car insurance for a 19-year-old?”. The average payment per year for an insurance policy for a 19-year-old driver in the United States is around $2,600. However, many circumstances may cause differences in annual premiums charged by insurance companies.

About $1,800 on the low end to over $3000 on the high end is what a 19-year-old driver typically pays. In the least, a driver must buy state minimum car insurance, which is cheaper than full coverage but will satisfy the legal requirements. However, if you want more than the minimum coverage required by your state, rates can go well over $3,000. This is especially true if a young driver has had several driving violations or at-fault wrecks, which can push prices up to $3,500 per year or even higher. In some states, rates average $3,500 for 19-year-old drivers if he or she wants a 100/300/100 PLPD car insurance policy.

Depending on factors like your gender, age, and where you live, rates can go up or down quite a bit. The average cost of car insurance for a 19-year-old male is higher than rates charged for women. Does this create the age-old argument of who are better drivers, men or women? If you go by the premiums charged for women, the answer is clear. Women are safer drivers and pay lower rates. For example, a 19-year-old male driver in Connecticut could pay more than $5,500 for car insurance coverage. On the other hand, a 19-year-old female driver in the same state might pay less than $3,000.  

So, it would help if you tried to get cheap car insurance for a 19-year old that suits your needs and conditions. It’s essential to take your time and shop for the lowest teen auto insurance rates online. 

You Can Get Cheap Car Insurance For 19-Year-Old Drivers

There are several ways to save a substantial amount of money on car insurance for nineteen-year-old drivers. Saving a lot of money each year is possible with just a little bit of effort. Some of the strategies that a 19-year-old driver can use to save money on the cost of the policy are:

Your Parents Can Include You on Their Auto Insurance Policy 

One of the main ways to save a lot of money each year is to be included on your parent’s policy. Living away at university or still living at home is the norm for many 19-year-old’s. In both cases, when it comes to insurance, it can be considered that the teen still lives with his or her parents.

So, as we said before, if you add yourself to your parent’s policy to save money, that would be the smartest thing to do. It could save you 25% or more. For example, in the case of Texas, if a 19-year-old male driver bought his car insurance policy in that state, he would pay around $4,000 per year. However, by adding himself to his parents’ policy, he would only pay about $3000. This reduces his car insurance premiums $1,000 per year, maintaining 100/300/100 coverage to be better protected. So, it is possible to get the cheapest insurance for teenage drivers by doing this.

As long as you follow the rules of your insurance company, it is legal for your parents to include you in their policy. For instance, if the car is driven by you every day, you can’t register your mother on the insurance policy as the primary driver.

Saving money is always important, so talk to your parents about the possibility of being included in their insurance policy.

Get a Good Student Discount

Nowadays, many of the major car insurance companies offer discounts for good students. You, as a college or a high school student, could get cheap car insurance for a 19-year-old and save some money on your premiums, if your grades are above B+. The statistics point out that bad students make most of the claims, not the good ones. So students that work hard and get better grades are worthy of discounts from insurance companies.

  • If you are a good student and have excellent grades, ask your car insurance company about possible discounts
  • If you have an old car, you can do without collision and comprehensive coverage
  • If you have an old car, you can often do without comprehensive and collision coverage. Collision coverage protects you and your vehicle after an accident. Meanwhile, comprehensive coverage protects you when your vehicle has been vandalized, stolen, or damaged by weather events. Damages not related to a wreck with another car.   

In general, young people do not drive the best cars or the newest, but typically older models, because they are cheaper. Of course, after a collision or something like that, it’s often not worth it to repair them. Therefore, in these cases, it would be smart not to buy collision and comprehensive coverage for your old car. The extra cost of coverage isn’t worth it in most cases.

This way, you could buy cheap car insurance for 19 years old and save thousands of dollars each year, reducing the cost of car insurance.

Take Driving Lessons

A lot of young drivers go to driving school. Many did it before getting their license, and insurers can credit you, if you did, with a discount.  

If you, as a 19-year-old driver, attend a defensive driving class, you will receive discounts between 10% to 15% off the cost of your policy.

Compare Multiple Quotes Online

It’s smart to compare many quotes online to get the cheapest car insurance for 19-year-old. 

Some car insurance companies are charging high premiums to their clients. Many 19-year-old drivers get discouraged by the high cost of car insurance coverage. There are deals for 19-year-old drivers, but it takes some diligence and research. There are insurance companies out there that offer lower rates than the competition for this age group.

We offer a simple tool to check and compare direct auto insurance rates.  

To Get Better Teen Car Insurance Rates 

Now you know the answer to, how much is car insurance for a 19-year-old? Well, you know that auto insurance companies in the US charge a lot to cover drivers under 25 years of age. It’s not easy to get cheap car insurance when you are 19. The good news is, you will find rates just a little lower than those paid by a driver who is 16, 17, or 18 years old. However, they still pay much more than an average adult for car insurance.

Don’t worry, your status of a 19-year-old driver will end soon, and you will probably stop paying high insurance premiums once you turn 25. To see how your insurance premiums will eventually decrease is better to wait a few years and maintain a clean driving record. Enter your zip code and compare cheap teen insurance quotes online