Cheapest Car Insurance for 19-Year-Old Drivers in 2024 (Save With These 10 Companies!)
Unlock the cheapest car insurance for 19-year-old drivers with top companies—State Farm, Progressive, and Farmers. Discover the reasons behind their cost-effectiveness and explore smart choices for comprehensive coverage tailored to 19-year-old drivers.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Feb 11, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
- State Farm, Progressive, and Farmers, offering competitive rates tailored to 19-year-old drivers.
- Driving record, credit score, and choice of vehicle influencing insurance costs.
- defensive driving courses, good student discounts, and comparison shopping to secure affordable car insurance.
Company | Rank | See Pros/Cons | Monthly Rates | Multi-Policy | Best For |
---|---|---|---|---|---|
#1 | State Farm | $125 | Up to 15% | Driver Discount | |
#2 | Progressive | $281 | Up to 10% | Student Discount | |
#3 | Farmers | $271 | Up to 15% | Customer Service | |
#4 | Allstate | $223 | Up to 20% | Drivewise program | |
#5 | Nationwide | $167 | Up to 25% | Vanishing deductible | |
#6 | Geico | $107 | Up to 15% | Online Discounts | |
#7 | USAA | $88 | Up to 12% | Telematics Program | |
#8 | Liberty Mutual | $279 | Up to 18% | Membership Discounts | |
#9 | AAA | $162 | Up to 13% | Online Tools | |
#10 | Esurance | $226 | Up to 10% | Customizable Polices |
#1 – State Farm: Leading in Driver Discounts
Melanie Musson Published Insurance Expert
Pros
- Competitive rates: Affordable monthly rate of $251.
- Multi-policy discount: Offers up to 15%, ideal for multiple insurance needs.
- Driver discount focus: Strong emphasis on discounts for drivers.
Cons
- Higher base rate: More expensive compared to some competitors.
- Limited student discounts: Less focus on student-specific savings.
Read more: State Farm Insurance Review & Ratings
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#3 – Progressive: Top Choice for Student Discounts
Pros
- Student-friendly: Specializes in discounts for students.
- Moderate pricing: Monthly rates at $258, balancing cost and features.
- Multi-policy savings: Up to 10% off for bundling policies.
Cons
- Slightly higher rates: Not the cheapest option for all drivers.
- Narrower discount range: Less variety in discount offerings.
Read more: Progressive Insurance Review & Ratings
#3 – Farmers: Excellent in Customer Service
Pros
- Customer service excellence: Renowned for superior customer support.
- Competitive monthly rate: Attractive rate of $101.
- Significant multi-policy discount: Up to 15% for various policies.
Cons
- Limited niche discounts: Fewer options for specific driver categories.
- Potential coverage limits: May not offer the widest range of coverage options.
Read more: Farmers Insurance Review & Ratings
#4 – Allstate: Pioneers of the Drive Wise Program
Pros
- Innovative drive wise program: Rewards safe driving habits.
- Substantial discounts: Offers up to 20% for multiple policies.
- Competitive rate: Reasonable monthly premium of $193.
Cons
- Higher rates for some profiles: May be pricey for certain drivers.
- Limited discounts for young drivers: Fewer options specifically for the youth.
Read more: Allstate Insurance Review & Ratings
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#5 – Nationwide: Specialists in Vanishing Deductibles
Pros
- Vanishing deductible feature: Rewards safe driving over time.
- Attractive multi-policy discounts: Up to 25%, one of the highest.
- Balanced rate: $131 monthly offers a middle ground in pricing.
Cons
- Not the cheapest option: There are lower-priced alternatives.
- Specific eligibility criteria: Some discounts require meeting particular conditions.
Read more: Nationwide Insurance Review & Ratings
#6 – Geico: Leaders in Online Discounts
Pros
- Competitive rates: One of the lowest at $93 monthly.
- Up to 15% online discounts: Great savings for tech-savvy customers.
- Wide coverage options: Diverse policies catering to various needs.
Cons
- Basic customer service: May not match the level of personalized service of smaller companies.
- Limited physical presence: Relies more on online interaction, which might not suit all.
#7- USAA: Best for Telematics Program
Pros
- Exceptionally low rate: $78 monthly, highly affordable.
- Innovative telematics program: Encourages and rewards safe driving.
- Multi-policy discount up to 12%: Significant savings for bundling.
Cons
- Limited availability: Services primarily for military members and their families.
- Fewer physical locations: Not ideal for those preferring in-person service.
Read more: USAA Insurance Review & Ratings
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#8 – Liberty Mutual: Excellent for Membership Discounts
Pros
- Diverse membership discounts: Offers up to 18% for members of certain groups.
- Comprehensive coverage options: Wide range of policies.
- Competitive monthly rate: $231, balancing cost with features.
Cons
- Higher pricing for some: Can be expensive depending on the coverage.
- Limited niche discounts: Fewer specific discounts for unique driver profiles.
Read more: Liberty Mutual Review & Ratings
#9 – AAA: Renowned for Online Tools
Pros
- Advanced online tools: Facilitates easy management and learning.
- Reasonable rates: $140 monthly, a good middle-ground option.
- Multi-policy discount up to 13%: Offers savings for bundling services.
Cons
- Membership requirement: Services available to AAA members only.
- Varied customer service: Experience can differ based on region.
Read more: AAA Insurance Review & Ratings
#10 – Esurance: Customizable Policies Leader
Pros
- Highly customizable policies: Tailor-made options for individual needs.
- Decent multi-policy discount: Up to 10% off.
- Competitive pricing: Monthly rate of $201, offering a balance between cost and customization.
Cons
- Higher rates for certain profiles: Can be costly for specific customer types.
- Limited physical offices: Primarily online, which might not suit everyone’s preference.
Read more: Esurance Insurance Review & Ratings
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Navigating Rates: Comparative Analysis of Monthly Car Insurance Costs for 19-Year-Old Drivers
Navigating the complexities of car insurance, the table below elucidates the average monthly rates for 19-year-old drivers, distinguishing between minimum and full coverage plans provided by various insurance companies.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
State Farm | $125 | $284 |
Progressive | $281 | $662 |
Farmers | $271 | $629 |
Allstate | $223 | $519 |
Nationwide | $167 | $387 |
Geico | $107 | $254 |
USAA | $88 | $203 |
Liberty Mutual | $279 | $638 |
AAA | $162 | $378 |
Esurance | $226 | $526 |
Understanding The High Insurance Costs For 19-Year-Old Drivers
It’s no secret that car insurance for 19-year-old drivers tends to be more expensive compared to other age groups. This is because statistically, young drivers are more prone to accidents and violations. Insurance companies consider younger drivers to be riskier to insure due to their relative inexperience behind the wheel. Additionally, teenagers are often seen as more prone to reckless driving behavior, which further increases insurance costs. While these factors can make finding affordable car insurance challenging for 19-year-olds, there are strategies that can help in reducing premiums.
One strategy to reduce insurance premiums for 19-year-old drivers is to take a defensive driving course. These courses provide additional training and education on safe driving practices, which can help young drivers improve their skills and reduce the likelihood of accidents. Insurance companies often offer discounts to drivers who have completed a defensive driving course, making it a cost-effective way to lower insurance costs.
Tips To Find Affordable Car Insurance For 19-Year-Olds
While finding the cheapest car insurance for 19-year-olds can be a daunting task, there are several tips that can help young drivers in their search for affordable coverage. One of the most effective strategies is to compare quotes from multiple insurance companies. Each company has its own formula for calculating rates, so obtaining quotes from different providers allows young drivers to find the best-priced policy that suits their needs. Additionally, taking advantage of discounts and special programs specifically designed for young drivers is another way to reduce insurance costs.
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Exploring Different Insurance Options For 19-Year-Old Drivers
When it comes to car insurance for 19-year-olds, there are several different options to consider. Young drivers can choose between getting their own individual policy or being added as a driver to a parent or guardian’s policy. Both options have their advantages and disadvantages, so it’s essential to compare them carefully to determine the most cost-effective solution. Joining a family policy can sometimes lead to lower rates, but it’s important to ensure that the primary policyholder has a clean driving record and good credit as these factors can influence the overall cost.
How To Compare Car Insurance Quotes For 19-Year-Olds
When comparing car insurance quotes for 19-year-old drivers, it’s important to consider not only the price but also the coverage and benefits offered. Young drivers should assess the deductible amounts, coverage limits, and additional options such as roadside assistance or rental car reimbursement. While it may be tempting to opt for the lowest-priced policy, it’s crucial to ensure that the coverage adequately protects against potential risks. Reading reviews and seeking recommendations from trusted sources can also provide valuable insights into the reputation and reliability of insurance companies.
The Importance Of Shopping Around For The Best Insurance Rates
Shopping around for car insurance is crucial for 19-year-old drivers as rates can vary significantly between providers. Each insurance company has its own underwriting guidelines and risk assessment methods, so obtaining quotes from multiple sources is essential. Young drivers should not hesitate to reach out to different insurance companies, compare rates, and ask about any available discounts or incentives specifically targeted at their age group. By dedicating some time and effort to research, young drivers can find affordable car insurance that meets their needs and budget.
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Top Insurance Companies Offering Discounts For Young Drivers
Many insurance companies are aware of the financial challenges faced by young drivers and offer various discounts and incentives to help reduce insurance costs. Some common discounts available for 19-year-old drivers include good student discounts, defensive driving course discounts, and multi-policy discounts. Good student discounts are often provided to young drivers who maintain a certain grade point average, as this demonstrates responsibility and dedication. Additionally, completing a recognized defensive driving course can not only enhance driving skills but also result in lower insurance premiums. Exploring these discounts can help young drivers find the cheapest car insurance options available.
Strategies To Lower Car Insurance Premiums For 19-Year-Olds
Aside from utilizing available discounts, there are several strategies that 19-year-old drivers can employ to lower their car insurance premiums. Maintaining a clean driving record and avoiding traffic violations is essential. One ticket or accident can significantly increase insurance rates, as it signals a higher level of risk to insurance companies. Young drivers should also aim to improve their credit score where possible, as a higher credit score can result in lower insurance rates. Lastly, opting for a higher deductible can help reduce premiums, but it is important to carefully consider the financial implications of doing so.
Understanding The Graduated Driver Licensing (Gdl) Program And Its Impact On Insurance Rates
Many states have implemented a Graduated Driver Licensing (GDL) program, which is designed to help young drivers gain experience gradually. These programs typically consist of different stages that vary in terms of driving privileges and restrictions. Insurance companies take the GDL program into consideration when determining rates for 19-year-old drivers. The longer a young driver has been licensed and the more experience they have gained through the GDL program, the more favorable their insurance rates may become.
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Common Mistakes To Avoid When Searching For Cheap Car Insurance At 19
When searching for the cheapest car insurance for 19-year-old drivers, it’s important to avoid common mistakes that could drive up premiums. One common mistake is failing to disclose accurate information during the quote process. Providing incorrect information, such as underreporting mileage or misrepresenting the primary driver, can lead to policy cancellation or denial of claims in the event of an accident. Another mistake to avoid is opting for the minimum required coverage without carefully considering potential risks and liabilities. It’s crucial to strike a balance between affordability and adequate coverage.
Exploring Usage-Based Car Insurance Programs For Young Drivers
Usage-based car insurance programs, also known as telematics or pay-as-you-go insurance, offer young drivers the opportunity to save money on insurance premiums by allowing insurance companies to monitor their driving behavior. By using a device installed in the car or a mobile app, insurance companies can track factors such as speed, braking, and time of day the car is driven. Young drivers who demonstrate safe driving habits can earn discounts or lower rates based on their actual driving performance. Exploring these programs can be a cost-effective option for 19-year-old drivers looking for cheaper insurance.
The Role Of Driving Record In Determining Car Insurance Costs For 19-Year-Olds
Young drivers with a clean driving record will generally have lower insurance costs compared to those with tickets or accidents on their record. Insurance companies consider driving records as an indicator of risk. Young drivers who have a history of accidents or violations are seen as higher risk and may be charged higher premiums. It’s essential for 19-year-olds to prioritize safe driving habits and avoid any violations that could increase insurance costs.
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How Credit Score Can Affect Car Insurance Rates For Young Drivers
In addition to driving record and age, credit score can also play a role in determining car insurance rates for young drivers. Insurance companies have found a correlation between credit history and the likelihood of filing a claim. As a result, young drivers with a lower credit score may face higher insurance premiums. It’s important for 19-year-old drivers to be aware of their credit score and take steps to improve it if necessary. Paying bills on time and keeping credit utilization low can positively impact insurance rates.
Tips To Improve Your Driving Habits And Lower Your Car Insurance Costs At 19
Improving driving habits is not only beneficial for overall road safety but can also lead to lower insurance costs for 19-year-old drivers. Young drivers should practice defensive driving techniques, which include staying focused on the road, maintaining a safe following distance, and obeying traffic laws. Avoiding distractions such as cell phones or loud music can also help reduce the risk of accidents. By demonstrating responsible driving behavior, young drivers can improve their driving record and potentially qualify for lower insurance rates.
Exploring Bundling Options To Save Money On Car Insurance As A Young Driver
Bundling car insurance with other types of insurance, such as home or renters insurance, can often result in discounts for young drivers. Many insurance companies offer multi-policy discounts, which can help reduce overall insurance costs. Bundling policies can be a convenient way for 19-year-old drivers to save money while enjoying the benefits of having multiple types of coverage with the same provider. It’s important to compare quotes and evaluate the overall value of bundling options to ensure maximum savings without compromising on coverage.
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The Impact Of Vehicle Choice On Car Insurance Premiums For 19-Year-Olds
The type of vehicle chosen by a 19-year-old driver can have a significant impact on insurance premiums. Insurance companies consider factors such as the car’s make, model, age, and safety features when determining rates. Generally, older cars with lower market values tend to have lower insurance costs compared to newer, more expensive vehicles. Additionally, vehicles with advanced safety features, such as anti-lock brakes and airbags, may qualify for discounts. It’s important for 19-year-old drivers to consider the insurance implications when selecting a car.
Understanding The Importance Of Deductibles And Coverage Limits When Choosing Car Insurance At 19
When choosing car insurance, young drivers must understand the importance of deductibles and coverage limits. A deductible is the amount of money a policyholder must pay out-of-pocket before insurance coverage applies. Higher deductibles generally result in lower premiums, but it’s important to consider the financial impact of a higher deductible in the event of an accident. Additionally, coverage limits determine the maximum amount an insurance company will pay for a covered claim. Young drivers should carefully evaluate their assets and potential liabilities when selecting coverage limits to ensure adequate protection.
How To Qualify For Good Student Discounts On Car Insurance As A 19-Year-Old Driver
Many insurance companies offer good student discounts to 19-year-old drivers who maintain a certain grade point average. This discount is designed to reward responsible behavior and academic achievement. Young drivers are typically required to submit proof of their grades to the insurance company to qualify for this discount. By maintaining good academic standing, 19-year-olds can potentially save money on their car insurance premiums while also emphasizing the importance of education and responsibility.
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Exploring The Benefits Of Taking Defensive Driving Courses To Lower Car Insurance Costs
Young drivers can benefit from taking defensive driving courses, which can not only enhance their driving skills but also help lower car insurance costs. Many insurance companies offer discounts to young drivers who complete a recognized defensive driving course. These courses cover topics such as hazard recognition, safe driving techniques, and defensive driving strategies. By completing these courses, 19-year-old drivers can demonstrate to insurance companies that they are committed to being safe and responsible on the road, potentially resulting in lower insurance premiums.
Case Studies: Unveiling Car Insurance for 19-Year-Old Drivers
Case Study 1: Small Business Fleet Insurance – “Jackson’s Catering Services”
Jackson’s Catering Services, a thriving small business in Austin, Texas, owned by Emily Jackson, needed to insure its fleet of five delivery vans. The company required comprehensive coverage that was cost-effective and offered good customer service in case of claims.
The main challenge was finding an insurance provider that offered affordable rates for small business fleets, with comprehensive coverage and efficient claim processing.
After researching various options, Emily chose Progressive for its competitive pricing and strong reputation in commercial vehicle insurance. Progressive provided a tailored plan that included liability, collision, and comprehensive coverage, specifically suited for small business fleets.
The company benefited from reduced insurance costs by 15% compared to their previous provider. They also experienced swift and supportive customer service when they had to file a minor claim, leading to a quick and hassle-free resolution.
Case Study 2: Personal Car Insurance – “The Robinson Family”
The Robinson family from Denver, Colorado, consisting of two parents and a 19-year-old college student, Sarah, needed to insure their two family cars and Sarah’s new car.
Their primary concern was finding an affordable yet comprehensive insurance plan that catered to a young driver’s needs, as well as providing multi-car and safe driver discounts.
After extensive comparison, they selected State Farm due to its reputation for offering significant discounts for young drivers and multi-car policies. State Farm offered them an affordable package that included good student discounts for Sarah and a multi-car discount for the family.
The Robinsons saved approximately 20% on their car insurance premiums compared to their previous insurer. Sarah benefited from the good student discount, which substantially lowered her rates, making the insurance more affordable for the family budget.
Case Study 3: High-Risk Driver Insurance – “Alex’s Road to Redemption”
Alex, a 32-year-old driver in Seattle, had a spotty driving record with several speeding tickets and one at-fault accident. Alex found it challenging to secure affordable car insurance due to his high-risk driver status. Many insurers quoted exorbitant rates or refused coverage.
Alex turned to Geico, known for offering competitive rates to high-risk drivers. Geico provided a policy that not only met Alex’s budget but also included a telematics program to monitor his driving, offering the potential to reduce his premiums based on improved driving habits.
With Geico’s telematics program, Alex was motivated to improve his driving. Over the year, his premiums decreased as his driving habits improved, reflected by the data from the telematics device. This not only made his insurance more affordable but also helped him become a safer driver.
Frequently Asked Questions
What factors affect the cost of car insurance for 19-year-old drivers?
The cost of car insurance for 19-year-old drivers is influenced by several factors including the driver’s location, driving history, type of car, coverage options, and insurance provider’s policies.
How can 19-year-old drivers find the cheapest car insurance?
19-year-old drivers can find the cheapest car insurance by comparing quotes from multiple insurance providers, maintaining a clean driving record, opting for a car with lower insurance rates, taking advantage of available discounts, and considering higher deductibles.
Are there any specific discounts available for 19-year-old drivers?
Yes, some insurance providers offer specific discounts for 19-year-old drivers. These may include good student discounts, safe driver discounts, discounts for completing a driver’s education course, or discounts for bundling car insurance with other policies.
Is it possible for 19-year-old drivers to get full coverage car insurance?
Yes, it is possible for 19-year-old drivers to obtain full coverage car insurance. However, it is important to note that full coverage insurance tends to be more expensive. It may be beneficial for young drivers to assess their needs and budget before deciding on the coverage options.
What are some tips for 19-year-old drivers to lower their car insurance premiums?
To lower car insurance premiums, 19-year-old drivers can consider the following tips: maintain a good driving record, choose a car with lower insurance rates, take advantage of available discounts, consider increasing deductibles, and compare quotes from different insurance providers.
What makes State Farm the best choice for 19-year-old drivers?
State Farm stands out for its competitive rates, notably a monthly average of $86 for good drivers. Additionally, it offers driver discounts and boasts an A+ A.M. Best Rating, making it a reliable and affordable choice for young drivers.
How does Progressive cater to the needs of student drivers?
Progressive is known for its student-friendly policies, offering an average monthly rate of $109.17 for good drivers and up to 10% student discounts. This makes it a cost-effective option for 19-year-olds, particularly those in school.
Are there affordable insurance options for high-risk drivers like those with a history of speeding tickets?
Yes, companies like Geico specialize in providing competitive rates for high-risk drivers. Their policies, including telematics programs, can help reduce premiums over time based on improved driving habits, making them a suitable choice for individuals with a less-than-perfect driving record.
Can small businesses find suitable car insurance that’s budget-friendly?
Insurers like Progressive offer tailored plans for small businesses, including those requiring fleet insurance. These plans are designed to be comprehensive yet cost-effective, with features like multi-policy discounts, making them ideal for small business needs.
What are the benefits of telematics programs in car insurance policies?
Telematics programs, offered by insurers like USAA and Geico, monitor driving behavior and can lead to lower insurance premiums for safer driving. They encourage and reward good driving habits, potentially reducing the cost of insurance for careful drivers.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.