Car insurance for a 19-year-old costs $125 per month, on average. Nineteen-year-old drivers pay more for car insurance than older, more experienced drivers because insurers consider them to be high-risk, meaning they’re more likely to file a claim.
Because the cost of coverage for 19-year-olds is so high, it’s important to shop around for multiple quotes before buying a policy. Some of the best car insurance companies for 19-year-old drivers are USAA , Geico, and Travelers.
Cost of Car Insurance for a 19-Year-Old by Company
$937 per year
$963 per year
$1,019 per year
Note: Rates are an approximation based on a driver in California with minimum coverage. Actual rates will vary.
The exact cost of car insurance for a 19-year-old depends on a few factors, including their driving record, gender, and vehicle type. Additionally, whether a 19-year-old is buying their own policy or being added to their parents’ policy makes a difference.
Adding a 19-year-old to an existing policy will raise the premium by an average of 140% to 160%. But even with the added cost, it’s still a more cost-effective option than having the driver purchase their own policy.
To learn more, check out WalletHub’s guide to the best car insurance for teens and young drivers.
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