How Much is Car Insurance for a 19 Year Old?
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If you already have a teenage driver on your insurance policy, you know that your rates will jump to counter the statistical risk they pose to insurance companies. Married couples who add a young driver to their plan see cost increases averaging around 80%. But, how much is car insurance for a 19 year old, specifically?
The average car insurance rate for a 19 year old driver comes to $116 per month ($1,392 annually).
Beware, the cost of car insurance is significantly higher for younger drivers. To learn more, visit our blog articles answering the questions “how much is car insurance for a 19 year old,” and “how much is car insurance for a 17 year old.”
19—The First “Significant” Car Insurance Rate Drop
Insurance companies charge a higher monthly auto insurance rate to teen drivers (or their parents) due to the assumed risk that comes with less experience behind the wheel. However, after a few years of driving under their seatbelts, 19 year olds may begin proving themselves less risky. As a result, many insurance companies will consider decreasing policy costs accordingly for teens with safe driving histories.
Though not as significant as the break drivers expect upon reaching 25, 19 year olds with a clean driving record should benefit from their first drop in car insurance company rates. Compared to the $169 average monthly policy cost for drivers at 18, the $50 savings add up to a $600 difference by year’s end.
Teenage Rates Remain High
The $169 amount appears in another related statistic. It is also the difference between the insurance cost averaged across all teens compared to older drivers.
Teenage Driving—Risks and Statistics
As with all policies, insurance companies determine teenage drivers’ insurance premium costs by their statistical risk. Unfortunately, the data does not grant teen drivers the best odds, as the numbers show that they carry a higher likelihood of accidents that will require policy providers to pay out. Though teens between 15 and 19 years old comprise 6.5% of Americans, they remain responsible for 8% of accidents.
Beyond the statistics, scientific research has determined that the ability to control impulses and excitability does not fully develop in the human brain until two decades or more have passed. As such, teenage drivers lead the statistical category for speeding-related automotive fatalities. Males and females between 15-20 were speeding in 2018’s fatal crashes 30% and 18% of the time, respectively.
The Difference in Car Insurance Rates for Male and Female Teens
Statistically, a teenage male driver poses a greater risk to insure than their female driver counterparts. The automotive fatality rate for teenage males in 2019 more than doubled that of teen females. This increased risk results in a $20 average increase between the demographics. For 19 year old drivers, males can expect an average monthly rate of $124, whereas females can expect $108.
Safe driving should be paramount for parents of teens. No one should be considered overprotective for implementing driving restrictions and rules for your new driver teen. The CDC reports that when comparing the rate of fatal crashes per mile driven, teens are three times as likely to be involved than drivers over 20. For U.S. teens, fatal car accidents factor as the second-leading cause of death.
In general, young drivers simply do not have first-hand experience identifying and responding to many road situations compared to an experienced driver. In addition to teaching teens the basic rules of the road, parents should do their best to cover different situations that contribute to accidents and how to react to them.
The CDC’s “Eight Danger Zones”
Parents educating their teens on the necessity of safe driving can refer to the CDC’s list of the leading causes of teenage driving accidents:
Driving at night
Unbuckled seat belts
Distractions (e.g., cell phones, eating)
Combining some of the CDC’s leading causes and their statistics leads to the conclusion that cutting loose on the weekend likely contributes the most to teen accidents:
40% of 2019’s teen car accident fatalities occurred between 9 pm and 6 am.
50% of those incidents happened on a Friday, Saturday, or Sunday.
24% of all teen automotive accident fatalities in 2018 were determined to have alcohol in their system.
Each teenage passenger increases the likelihood of crashes for unsupervised teen drivers.
Stress Seatbelt Safety
In nearly half of all teen automotive deaths, the deceased did not have their seatbelt buckled at the time of the accident. Half of those could have been prevented by clicking the safety measure into place before turning the key.
Graduated Driver Licensing and Driver’s Education
Across the U.S., states enforce graduated driver licensing (GDL) to educate teens on proper safety while easing them into various road and traffic conditions. Though many states follow different programs and requirements, research suggests that GDLs reduce 19% of injury-related crashes and 21% of fatal crashes for teens.
If your 19 year old has yet to earn their license, be sure to double-check your state’s laws to see what the path to full licensure and compliance requires. The Insurance Institute for Highway Safety (IIHS) provides a list of updated GDL requirements for each state.
Enrolling teens in a driver’s education class proves to be one of the most essential safety considerations parents can make. Though some states require different types of driver’s education as part of their GDLs, completing a full course should provide teens with more knowledge and (safe) first-hand road experience.
Driver’s Education Insurance Discounts
In addition to helping teens stay safe behind the wheel, completing a driver’s education course should help lower those high monthly rates. Low-cost policy providers may issue discounts for approved courses of 5%-10%, and full-coverage insurance companies may increase that up 20%.
If parents have never completed a driver’s education course, it may help lower their rates as well. Many insurance companies offer discounts for defensive driving courses regardless of the policyholder’s age. Enrolling in an extra class with your teen should also help you familiarize yourself with the most current laws and restrictions they must adhere to.
Cheapest Cars to Insure for Teens
Though many parents may automatically assume that providing their teen with a beat-up car will lower insurance and other driving costs, that can prove to be a misconception. Some older and used vehicles may still carry higher rates due to their assumed (lower) reliability and lack of modern safety features.
Honda Civic LX Sedan
Mazda3 Sport Sedan
Ford Fusion S Hybrid Sedan
Subaru Forester 2.5i Sport Utility 4D
If you prefer to protect your teen with the most modern safety features and technology, the cheapest coverage can be found on the following new vehicles:
Nissan Rogue S FWD
What Types of Coverage Should 19 Year Olds and Their Parents Consider?
Given the higher risk associated with teen drivers, parents should strongly consider policy protections that extend beyond the minimum liability amounts mandated within each state. Minimum liability coverage may be cheaper, but it does not provide any protections or payouts to the driver at fault for an accident—only for the victims and damaged property.
Additional coverage options that parents and teens should research include:
Personal Injury Protection
Note that some of these types of coverage may be a legal requirement for all drivers in your state.
If your teen holds responsibility for an accident, your insurance coverage will not automatically pay for their repairs. Adding collision coverage to your policy helps pay for damages to their vehicle regardless of the driver at fault.
Comprehensive coverage insures your teen’s vehicle if any non-collision damage occurs (e.g., theft, vandalism, fire). Without comprehensive coverage, you may experience a multi-thousand dollar loss from an act of nature and without your teen behind the wheel.
If you financed your teen’s car, its value will likely depreciate below the auto loan’s remaining balance at some point. Gap insurance covers this difference, so you or your teen are not held responsible for paying off a vehicle declared a total loss (i.e., “totaled”) following an accident.
Personal Injury Protection (PIP)
In addition to vehicle repair and replacement costs, accidents can rack up medical bills. Personal Injury Protection (PIP) helps pay for the policyholder’s medical bills and some related expenses. Sometimes referred to as “no-fault insurance,” PIP protects policyholders no matter which driver remains responsible.
“Full coverage” can be misleading, and many drivers incorrectly assume that having it means every possible situation and expense will be covered under their policy. Insurance companies typically use the phrase to refer to some combination of minimum liability, collision, and comprehensive coverage—and the amounts for each may be too low to pay for the total incurred costs of an accident. Other policy options, such as PIP, might be included as well.
Check with your insurance provider to see what their offering entails and the full coverage insurance cost for a 19 year old.
Teen Driver Insurance Discounts
To lower the high monthly insurance rates teen drivers are subjected to, research potential discounts and ask your policy provider about those that might apply. Common teen driver discounts include:
“Good student” (consistent B grades or higher)
Defensive driving course (in addition to driver’s education)
OnlineAutoInsurance: Ensuring the Best Policy for 19 Year Olds
If you’re looking for insurance coverage for teen drivers and want to compare potential rates, Online Auto Insurance makes compiling quotes as easy as can be.
With our quote gathering and comparison shopping tool, all you need to get started is your zip code and some basic information about the drivers who will be named on the policy. In a few minutes, you can narrow down available insurance coverage options to choices that will protect your teen and your wallet.
The Ascent. Best Cheap Car insurance for Teens and Young Drivers in 2021. https://www.fool.com/the-ascent/insurance/auto/best-cheap-car-insurance-teen-drivers/
CDC. Teen Drivers: Get the Facts. https://www.cdc.gov/transportationsafety/teen_drivers/teendrivers_factsheet.html
The College Investor. Best Car Insurance for Teen Drivers: How to Save on Your Teen. https://thecollegeinvestor.com/33968/best-car-insurance-for-teen-drivers/
III. Auto insurance basics—understanding your coverage. \ https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage
IIHS. Graduated licensing laws by state. https://www.iihs.org/topics/teenagers/graduated-licensing-laws-table
The Law Dictionary. How Much Does Driver’s Ed Lower Insurance? https://thelawdictionary.org/article/how-much-does-drivers-ed-lower-insurance/
Middle Class Dad. Cheapest Cars to Insure for a Teenager in 2021 (New & Used). https://newmiddleclassdad.com/least-expensive-cars-to-insure-for-teenage-drivers/
TeenLife. Why Are Teen Car Insurance Rates So High? https://www.teenlife.com/blogs/why-are-teen-car-insurance-rates-so-high
USA Today. Study: Teen drivers can double family auto insurance rates. https://www.usatoday.com/story/money/cars/2015/06/15/high-insurance-rates-for-teen-drivers/71150888/