Finding affordable car insurance as a 19-year-old can feel overwhelming. At this age, you’re just starting to build your driving record, and insurance companies often see younger drivers as high-risk. But don’t worry—there are ways to secure cheap car insurance for 19-year-olds without compromising on quality coverage.
Why Is Car Insurance So Expensive for 19-Year-Olds?
Insurance companies base premiums on risk. Since 19-year-olds typically have limited driving experience and a higher chance of accidents or claims, they face higher insurance rates. Other contributing factors include:
- Lack of driving history
- Higher claim rates among young drivers
- Tendency to drive riskier vehicles without safety features
How to Get Cheap Insurance for 19-Year-Olds
If you’re looking for cheap insurance for 19-year olds, use the strategies below to save money:
1. Stay on a Parent’s Policy
Remaining on a family auto policy is often cheaper than purchasing your own. Most companies offer lower rates when you’re insured as part of a household.
2. Choose a Safe, Budget-Friendly Car
Driving a used, fuel-efficient car with good safety ratings can dramatically lower your premiums. Avoid sports or luxury models.
3. Shop Around and Compare Quotes
Every insurer evaluates risk differently. Compare quotes from multiple providers and consider both regional and national carriers.
4. Look for Student and Good Driver Discounts
If you maintain a GPA of 3.0 or higher, many insurers offer discounts. A clean driving record also helps reduce costs.
5. Take a Defensive Driving Course
Enrolling in an approved driving course can cut your premium by up to 10%, depending on the insurer.
6. Increase Your Deductible
Opting for a higher deductible lowers your monthly premium—just make sure you can afford it in case of a claim.
7. Bundle Insurance Policies
If you need renters or health insurance, bundling them with your auto policy can unlock multi-policy discounts.
Best Insurance Companies for 19-Year-Olds
While rates vary based on location and driving profile, here are some insurers known for offering affordable policies to young drivers:
- GEICO – Great for student discounts
- State Farm – Good for family plans and safe driver programs
- Progressive – Offers online tools for easy comparisons
- TMT Insurance – Competitive rates tailored for young drivers with flexible plans
What to Look for in a Policy
Even while hunting for cheap insurance for 19 year olds, don’t skip essential coverage. Ensure your policy includes:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
Opting for the minimum legal requirement might be cheaper upfront but can cost you more after an accident.
