19-year-old female drivers pay an average. The cost of car insurance for 19-year-olds is more expensive than average, but it's still cheaper than it is for younger drivers. Car insurance costs more for 19-year-old male drivers than for female drivers of the same age, but the difference in costs depends in part on the company. Many 19-year-old men tend to pay more for car insurance than middle aged drivers because they don't have as much driving experience and are more likely to take risks.
The most common reasons for high car insurance costs include your driving history, age, coverage options, where you live, the car you drive, your credit history, or not taking advantage of discounts. Car insurance costs from state to state also vary depending on population density, crime rates, and the number of uninsured drivers. What you pay to insure a teen driver will vary depending on many factors, from the insurance company you choose to where you live and the coverage limits you want. The final insurance policy premium for any policy is determined by the insurance company upon application.
While COUNTRY is the cheapest car insurance for 19-year-olds, it's actually not the cheapest company in any state. Your state may also have an insurance program that assigns hard-to-insure drivers to participating insurers. However, car insurance for 19 year olds is still cheaper than 16, 17, or 18 year olds. The rates of car accidents, acts of vandalism, car theft, insurance fraud, and other costly events vary across the country, and your insurance rates will reflect that, even if you're an excellent driver.
New York, Louisiana and Florida are often the most expensive states to live in if you're a teen driver looking to buy car insurance. For 19-year-olds with their own auto insurance policies, the cost is higher for men than for women, and full coverage costs more than liability coverage alone. The cost of car insurance varies from person to person, as insurers consider individual risk factors when calculating premiums. Other ways to reduce car insurance costs include driving at the speed limit and putting your phone away while driving.
For more information, see WalletHub's guide to the cost of car insurance for different types of drivers.