Can you get cheap car insurance at 19?
Asked by: Leonora Ruecker | Last update: January 22, 2026Score: 5/5 (66 votes)
Who has the cheapest insurance for a 19-year-old?
Travelers and State Farm have the cheapest car insurance quotes for most young drivers. This includes teens on a parent's policy and teens on their own. USAA has the cheapest rates overall, but it's only available to teens in military families.
Does insurance go down at 19?
At what age does car insurance go down? If you're a young driver, you can look forward to car insurance savings as you get older. Both male and female drivers see the biggest drop in average annual car insurance premiums between the ages of 18 and 19.
How can I lower my insurance at 19?
- Increase your deductible.
- Check for discounts you qualify for.
- Compare auto insurance quotes.
- Maintain a good driving record.
- Participate in a safe driving program.
- Take a defensive driving course.
- Explore payment options.
- Improve your credit score.
Can a 19 year old get their own insurance?
Unless they are emancipated, teens typically aren't able to buy their own car insurance policy until they are 18 or 19 years old.
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At what age is car insurance the cheapest?
Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.
Why is my insurance so high at 18?
According to data from the Centers for Disease Control and Prevention (CDC), teen drivers between the ages of 16-19 are three times more likely to cause a fatal car crash than drivers aged 20 and older. Because young drivers are risky to insure, insurance companies often charge the highest rates for teen drivers.
Does credit score affect car insurance?
How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
Why is my insurance so expensive at 19?
Insurance companies often see young drivers as a greater risk because they are more prone to accidents and poor decision-making — both of which raise the potential cost of claims that need to be paid out by insurers.
How much is insurance for a new driver 19?
Average insurance cost for a 19-year-old
We ran several quotes to find an average figure for a 19-year-old seeking car insurance. Based on these results, we found a 19-year-old with a comprehensive policy can expect to pay 1935 per year.
How to afford car insurance at 20?
Often, the way to get the cheapest car insurance for drivers under 25 is to add the new driver to an existing policy of a parent or guardian. This will likely cause the existing policy rates to increase, but it's usually the most cost-efficient option.
What is the best insurance for a new driver?
Black Box Insurance can help young drivers save money as it allows them to prove they are safe behind the wheel when they have little to no driving history. The technology tracks driving behaviours which means that insurers can better judge the level of risk and price the premium more accurately.
Does State Farm run your credit?
Most major car insurance companies like GEICO, Progressive and State Farm factor in your credit score when giving you a quote. Some smaller, regional insurers skip credit checks, though their coverage options (and available online information) can be limited.
Do car payments build credit?
Your auto loan—be it three years, five years or longer—will help build your credit history.
Does unpaid car insurance go on your credit?
The short answer is no. There is no direct affect between car insurance and your credit, paying your insurance bill late or not at all could lead to debt collection reports. Debt collection reports do appear on your credit report (often for 7-10 years) and can be read by future lenders.
What do I do if my insurance is too high?
Raising your deductible, bundling multiple policies with the same insurer, asking about discounts and (in some states) improving your credit are other effective ways to reduce your auto insurance rates.
Do you get kicked off insurance at 18?
The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until the adult child reaches the age of 26. Many parents and their children who worried about losing health coverage after they graduated from college no longer have to worry.
How to get car insurance after being dropped?
- See if your provider is willing to consider reinstating your coverage. ...
- Contact your state's insurance commissioner for an appeal. ...
- Look for a new insurance provider.
Which gender pays more for car insurance?
On average, young men pay much more for car insurance than young women. This is because car insurance providers find men to be riskier drivers than women, especially when they are younger. When they are older, women start to pay slightly higher rates.
What's the best car insurance for a new driver?
Progressive, Geico, Auto-Owners, State Farm and Nationwide tend to offer low average premiums and robust coverage options for young drivers. If you're a young adult, searching for carriers that offer discounts you qualify for can potentially help lower your rate.