Cheap Car Insurance for 19-Year-Old Drivers in 2025 (Save Big With These 10 Companies!)

You can find cheap car insurance for 19-year-old drivers from Erie, AAA, and Geico, starting from $86 monthly. Erie’s comprehensive coverage is one of the best around, and Geico has an accident forgiveness program that is perfect for young drivers. AAA’s affordable rates for senior drivers is great if considering a multi-car policy bundle.

Driving at the age of 19 can be an exciting experience, but finding affordable car insurance for 19-year-olds can often be daunting.

Our Top 10 Company Picks: Cheap Car Insurance for 19-Year-Old Drivers

Insurance companies consider teenagers to be high-risk drivers, which means they are more likely to be involved in accidents. This higher risk is reflected in the premiums charged for car insurance. However, with some knowledge and smart strategies, 19-year-olds can find cheap car insurance that fits their budget. The best way to do that is to use our comparison tool above and enter your ZIP code.

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#1 – Erie: Top Overall Pick

Pros

• Competitive Rates: Erie’s lower rates benefit young drivers at risk of higher premiums.
• Strong Customer Service: Erie’s service is perfect for 19-year-old drivers who need to make claims or manage their policies.
• Discounts for Young Drivers: 19-year-old drivers can get discounts for being good students or safe drivers.

Cons

• Limited Availability: Erie only operates in 12 states, including Washington, D.C. Check out Erie’s auto insurance review to learn what states they’re available in.
• No Online Quotes: Erie requires you to work with an agent to get a quote, which can be less convenient than working with online-based insurers.

#2 – AAA: Best for Senior Discounts

Pros

• Strong Roadside Assistance Program: AAA’s 24/7 roadside assistance includes towing, battery service, and fuel delivery in case young drivers have their car broken down.
• Membership Benefits: AAA membership perks involve extra services and discounts, which can help younger drivers save on expenses.
• Local Agent Support: AAA has many local offices throughout the USA that can guide 19-year-old drivers in what they need.

Cons

• Higher Premiums for Young Drivers: AAA insurance tends to be more expensive for young and high-risk drivers.
• Membership Required: AAA requires you to purchase membership first, which adds an extra cost, something that 19-year-olds can’t afford.

#3 – Geico: Best for Accident Forgiveness

Pros

• Lower Rates for Young Drivers: Geico is often cheaper than competitors, offering the most competitive rates for 19-year-olds. Learn more about its rates in this Geico auto insurance review.
• Many Discounts for Young Drivers: Geico’s discounts (such as defensive driving course discounts and even accident forgiveness) can significantly reduce premiums.
• Solid Customer Service and Claims Process: Geico generally receives above-average customer satisfaction ratings for its claims process and customer service.

Cons

• Still Expensive for Young Drivers: Even though Geico is cheaper, 19-year-olds will still face high premiums compared to older, more experienced drivers.
• No Accident Forgiveness for New Drivers: Geico offers accident forgiveness, but it’s only available to customers over 21 or those who have been accident-free with Geico for several years.

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#4 – American Family: Best for Claims Service

Pros

• Strong Customer Service & Claims Process: AmFam consistently receives above-average claims satisfaction and customer service ratings.
• Unique Coverage Options: AmFam provides some special coverage add-ons that may appeal to young drivers, such as the KnowYourDrive® program.
• Roadside Assistance Available: AmFam offers optional 24/7 roadside assistance, which includes towing, fuel delivery, and lockout services.

Cons

• Higher Base Rates for Young Drivers: Even with discounts, AmFam tends to be more expensive than competitors for young drivers.
• Limited Availability: AmFam is only available in 19 states, a problem for young drivers looking for benefits. Check out this American Family auto insurance review.

#5 – Nationwide: Best for Multi-Policy Savings

Pros

• Strong Discount Options: Nationwide offers several discounts perfect for 19-year-old drivers, including; good student, SmartRide® discount, SmartMiles®, and accident-free discounts.
• Vanishing Deductible: Nationwide’s vanishing deductible feature reduces your deductible by $100 for each year of safe driving (up to $500).
• Good Customer Service & Claims Process: Nationwide generally has above-average customer satisfaction in claims handling and policy management.

Cons

• Higher Base Rates for Young Drivers: Even with discounts, Nationwide insurance tends to be more expensive than some competitors for 19-year-old drivers.
• Limited Availability of Some Discounts: Not all discounts are available in every state, which could affect potential savings.

#6 – Travelers: Best for Bundling Policies

Pros

• Good Discounts for Young Drivers: Travelers offers multiple discounts to help reduce costs, making it one of the companies with the best car insurance for 19-year-olds.
• Wide Range of Coverage Options: Travelers provides unique coverage options, including accident forgiveness and new car replacement, which, if eligible, is perfect for young drivers.
• Strong Financial Stability and Claims Service: Travelers’ A++ rating from A.M. Best means it’s financially stable and can pay claims reliably 24/7 with its mobile app.

Cons

• Higher Base Rates for Young Drivers: Young drivers typically pay more unless they qualify for multiple discounts.
• No Usage-Based Pay-Per-Mile Option: Travelers insurance does not have a pay-per-mile option, which could benefit low-mileage drivers.

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#7 – Allstate: Best for Safe Drivers

Pros

• Many Discount Opportunities: Allstate offers several discounts that can help 19-year-old drivers save money.
• Drivewise® Telematics Program: Young drivers who drive safely could earn cashback and lower rates. However, risky driving behaviors could increase rates.
• Local Agents for In-Person Support: Allstate has an extensive network of local agents, which can be helpful for those who prefer face-to-face service.

Cons

• Higher Base Rates for Young Drivers: Allstate is more expensive for 19-year-old drivers, even with discounts. Read our Allstate auto insurance review for more details.
• Mixed Customer Service Reviews: While Allstate offers good in-person service, some customers report inconsistent claims experiences and rate increases after an accident.

#8 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates for Young Drivers: Progressive is often cheaper than Allstate for 19-year-olds but may not always beat Geico. Discounts can further reduce rates.
• Name Your Price® Tool: This tool allows drivers to set a budget, and Progressive will recommend coverage options that fit within it. It is great for young drivers looking for affordable coverage.
• Easy Online Mobile App: It has a strong online presence and allows easy policy management, claims filing, and quotes. To learn more, read our Progressive auto insurance review.

Cons

• Higher Base Rates Without Discounts: Progressive’s minimum rates for 19-year-olds can be expensive without discounts.
• Claims Satisfaction Varies: While many customers report smooth claims processing, some complaints about slow claim resolutions and rate increases after accidents occur.

#9 – Liberty Mutual: Best for Online Management

Pros

• Good Discount Options for Young Drivers: Liberty Mutual offers discounts to help 19-year-olds lower their premiums, including distant student and student-away-at-school discounts.
• RightTrack® Telematics Program: This telematics-based program monitors driving habits. By driving safely, young drivers can get up to 30% discounts
• 24/7 Roadside Assistance Available: Liberty Mutual offers a strong roadside assistance program with towing, fuel delivery, and lockout services.

Cons

• RightTrack® Can Be Risky: RightTrack® tracks your driving habits closely, so hard braking, fast acceleration, or nighttime driving could limit your discount.
• Mixed Customer Service Reviews: Liberty Mutual has mixed claims handling reviews due to reported claims processing delays. Read our Liberty Mutual auto insurance review to learn more.

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#10 – Farmers: Best for Family Plans

Pros

• Strong Local Agent Support: Farmers have many local agents, making it a good option if you prefer in-person service over online-based insurers.
• Add-ons to Reduce Premium Rates: Accident forgiveness prevents rate hikes after your first at-fault accident. Vanishing deductible reduces your deductible for each year of safe driving.
• Unique Customizable Coverage Options: Farmers offer coverage options such as new car replacement, customized equipment coverage, and glass-deductible buyback.

Cons

• Higher Base Rates for Young Drivers:  Farmers insurance for 19-year-olds is more expensive than other insurers on this list.
• Limited Online Policy Management: Unlike Progressive or Geico, Farmers rely more on agents for policy changes, making it less convenient for tech-savvy drivers.

Understanding Car Insurance for Teenagers

Before we delve into the tips and tricks to get cheap car insurance for 19-year-old drivers, it is important to understand the basics of car insurance and why it can be expensive for teenagers. Car insurance is a contract between the insured driver and the insurance company, where the driver pays regular premiums and the insurance company provides coverage in the event of an accident or other covered incidents.

19-Year-Old Drivers Car Insurance Monthly Rates by Provider & Coverage Level

Car insurance policies consist of several types. Liability coverage pays for damages caused by the insured driver to other people and property. In contrast, collision coverage pays for damages to the insured driver’s own vehicle in the event of an accident. Full coverage auto insurance for 19-year-old drivers provides protection against theft, vandalism, and other non-collision incidents.

The Basics of Car Insurance

Car insurance is a complex system that helps protect drivers and their vehicles from financial loss in the event of an accident. Teenagers need to know the different types of coverage available to them and how that can affect their insurance premiums.

Liability coverage is a crucial component of car insurance as it protects the insured driver from having to pay out of pocket for damages caused to others. This coverage helps cover medical expenses, property damage, and legal fees that may arise from an accident where the insured driver is at fault.

Collision coverage, on the other hand, focuses on protecting the insured driver’s own vehicle. In the event of an accident, this coverage helps cover the cost of repairs or even the replacement of the insured vehicle. It is particularly important for teenagers who may be more prone to accidents due to their lack of driving experience, so temporary car insurance for 19-year-olds may be best.

Read More: How do I know I chose the right coverages?

Comprehensive coverage provides additional protection beyond accidents. It covers damages caused by theft, vandalism, natural disasters, or other non-collision incidents. This is especially valuable for teenagers who often travel to another city for college or park their cars in unfamiliar areas.

Why Teenagers Pay More for Car Insurance

Teenage drivers are considered high-risk for insurance companies due to their lack of driving experience and higher likelihood of engaging in risky behaviors on the road. Statistics show that teenagers have a higher rate of accidents and traffic violations compared to older, more experienced drivers. This increased risk results in higher insurance premiums for 19-year-olds.

So, how much is insurance for a 19-year-old? Insurance companies look at the teenager’s age, gender, driving record, make and model of the car, and sometimes their school grades. Finding cheap car insurance for a 19-year-old female can be cheaper than for a male, as they’re considered lower risk.

Read More: Buying Car Insurance – What to Know Before You Buy

Insurers consider teenagers to be a higher-risk group due to their lack of experience behind the wheel, which leads to an increased risk for reckless behavior. This can seem unfair, but insurers base their rates on statistical data and risk assessments.

As teenagers gain more driving experience and maintain a clean driving record, their insurance rates will typically decrease over time.

Factors Affecting Insurance Rates for 19-Year-Olds

There are several factors that influence how companies calculate the cost of car insurance for 19-year-olds. Awareness of these factors, can help you understand why insurance rates vary and provide insights into how to lower your premiums.

When it comes to determining car insurance rates for 19-year-olds, your driving record plays a crucial role. Insurance companies take into account your past behavior on the road to assess the level of risk you pose as a driver.

You are more likely to qualify for lower rates if you have a clean driving record with no accidents or serious traffic violations. This is because insurance providers view you as a responsible and cautious driver, reducing the likelihood of filing a claim.

On the other hand, if you have a history of accidents or speeding tickets, insurance companies will consider you a higher-risk driver, resulting in higher premiums.

Another factor that can impact your car insurance rates is your location. Urban areas often have higher rates due to increased traffic congestion and higher incidences of theft and vandalism. The higher population density in cities means more vehicles on the road, increasing the chances of accidents and damage.

Additionally, the risk of theft and vandalism is typically higher in urban areas. Living in a rural area with lower crime rates and less traffic may make you eligible for lower insurance premiums. Insurance companies perceive rural areas as safer driving environments, reducing the likelihood of accidents and other incidents.

The type of vehicle you drive can also affect your insurance rates. Generally, sports cars and luxury vehicles have higher insurance premiums. This is due to their higher repair costs and increased risk of theft. Sports cars, with their powerful engines and high speeds, are more likely to be involved in accidents. Luxury vehicles are more costly to repair.

The cheapest cars to insure for 19-year-olds, such as a sedan or a compact car, can lower their auto insurance costs. These types of vehicles are typically associated with lower repair costs and lower risks, making them more affordable to insure.

Other factors are also used to determine rates for 19-year-olds. Gender can be a big one (as car insurance for a 19-year-old boy is more expensive compared to insurance for a 19-year-old girl), as well as marital status and even credit history.

Just being aware of these factors can help reduce the risks. Teenagers can maintain a clean driving record or drive a car that’s cheaper to insure, and 19-year-olds can potentially lower their premiums.

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Tips to Lower Car Insurance Costs for 19-Year-Olds

How do you get cheap car insurance at 19? Being a 19-year-old driver can result in high car insurance costs due to various factors, such as a lack of driving experience and statistical data suggesting younger drivers are more prone to accidents.

Car Insurance Discounts From the Top Providers for 19-Year-Old Drivers

However, there are several steps you can take to get low-cost car insurance with driver discounts and make it more affordable. Let’s explore some of these options in detail.

Good Student Discounts

One of the ways you can potentially reduce your car insurance costs as a 19-year-old is by taking advantage of good student discounts. Many insurance companies offer discounts to students with a high grade point average.

You can demonstrate responsibility by consistently performing well in your studies and potentially qualify for a good student discount. Excellent grades can significantly reduce your insurance premiums.

Read more: Best Auto Insurance Discounts for College Students

This encourages you to prioritize your education and develop good study habits, so strive for good grades as different insurance companies can provide discounts for your insurance.

Defensive Driving Courses

Completing a defensive driving course is another great way to lower costs. These courses are designed to teach drivers advanced techniques such as recognizing a hazard, proper braking techniques, and strategies that help prevent accidents and promote safe driving habits.

Read more: When Bad Weather Causes a Car Accident

By demonstrating to insurance companies that you are a responsible driver who is serious about safety, you may be eligible for a discount on your insurance premiums.

Choosing a Safer Car

It’s important to consider a car’s safety features and crash test ratings before purchase. Insurance companies consider a vehicle’s safety features when determining premiums. Cars equipped with advanced safety features, such as anti-lock brakes, airbags, and electronic stability control, are generally cheaper to insure.

Insurance companies consider these factors when calculating premiums, as a vehicle that is less likely to cause severe injuries will generally lead to lower insurance costs.

Researching and comparing different car models for their safety features and crash test ratings can help you make an informed decision when purchasing a vehicle. By choosing a car with advanced safety features and a good crash test rating, you prioritize your safety and potentially save on insurance costs in the long run.

You can significantly reduce your insurance premiums by taking advantage of discounts available and choosing a cheap car with safety features.

When it comes to comparing insurance quotes for young drivers, there are a few key factors to consider. Firstly, as a 19-year-old driver, it is important to understand that insurance rates for this age group tend to be higher due to the risk.

However, by reviewing the quotes carefully, you can find the best auto insurance for 19-year-olds. Research what the quote includes in their coverage and how it aligns with your specific needs. Then, look at what type of coverage is available to you and if you need liability, collision, or comprehensive coverage.

Also, be on the lookout for any additional benefits the insurance providers offer. They can offer perks like roadside assistance, accident forgiveness, or discounts for completing defensive driving courses. The amount of money that can be saved in the long run will add a lot of value to your policy.

Comparing insurance quotes thoroughly allows you to find the best insurance for 19-year-olds at the most affordable price with potentially great savings.

Remember, as a young driver, it’s important to prioritize safe driving habits and continue to build a clean driving record. This can help lower your insurance premiums over time. Maintaining a good credit score and considering bundling your insurance policies can also lead to potential discounts. But even with the opposite, there are the best car insurance for drivers with bad credit scores in district of Columbia as an example.

Utilizing our online comparison tool, understanding the coverage options, deductibles, and additional benefits, and taking the time to review each quote thoroughly can help you secure the best insurance policy at an affordable price.

Finding the Cheapest Car Insurance for 19-Year-Olds

Finding affordable car insurance for 19-year-old drivers can be challenging. Insurers view young drivers as high risk due to their lack of driving experience and statistically higher accident rates.

Knowing a car insurance company’s reputation is vital before making any decision. Whether you’re looking for full-coverage car insurance for 19-year-old drivers. You’ll have peace of mind that the insurer is reliable if anything happens.

However, this does not mean finding competitive car insurance for a 19-year-old new driver. is impossible. Many companies offer driver discounts for students with good grades, for completing defensive driving courses, or for choosing vehicles that are cheaper to insure. Another option is to use the comparison tool below to compare quotes between companies.

Shopping around and comparing quotes from different providers can help you discover cheaper options. You can also adjust your coverage limits and deductibles to reduce costs further. By taking advantage of these methods, younger drivers can find budget-friendly and effective insurance.

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