Average Car Insurance Cost for 19-year-olds

How much does car insurance cost for 19-year-olds? We compare average rates for male and female drivers plus show the cheapest cars to insure.

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  • The average cost of car insurance for 19-year-olds is $3,712 per year or $309 per month.
  • Car insurance cost for 19-year-old male drivers averages $3,929 per year and 19-year-old female drivers average $3,495 per year.
  • Average car insurance cost per month for 19-year-old drivers is $327 for males and $291 for females.

How much does car insurance cost for a 19-year-old male?

The average cost of car insurance for a 19-year-old male driver is $3,929 per year or $327 per month. Insurance rates range from $2,718 to $7,700 per year depending on where you live in the U.S.

Car insurance rates for 19-year-old males for some popular models include the Ford F150 at $4,096 per year, the Chevy Silverado at $4,500, the Honda Civic at $4,018, and the Toyota Corolla at $3,708 per year.

The table below shows average annual and monthly car insurance cost for 19-year-old males for all 50 U.S. states.

Average Car Insurance Cost for 19 Year Old Male Drivers
U.S. StatePer YearPer Month
Alabama$3,604$300
Alaska$3,372$281
Arizona$3,874$323
Arkansas$4,120$343
California$4,750$396
Colorado$4,588$382
Connecticut$4,694$391
Delaware$4,654$388
Florida$5,794$483
Georgia$4,430$369
Hawaii$3,410$284
Idaho$2,866$239
Illinois$3,052$254
Indiana$3,122$260
Iowa$2,838$237
Kansas$3,726$311
Kentucky$4,854$405
Louisiana$6,344$529
Maine$2,718$227
Maryland$3,962$330
Massachusetts$3,604$300
Michigan$7,700$642
Minnesota$3,810$318
Mississippi$3,826$319
Missouri$3,772$314
Montana$3,940$328
Nebraska$3,392$283
Nevada$4,804$400
New Hampshire$3,114$260
New Jersey$4,166$347
New Mexico$3,716$310
New York$4,760$397
North Carolina$2,920$243
North Dakota$3,302$275
Ohio$2,892$241
Oklahoma$4,624$385
Oregon$3,794$316
Pennsylvania$3,788$316
Rhode Island$5,112$426
South Carolina$3,982$332
South Dakota$3,550$296
Tennessee$3,552$296
Texas$4,166$347
Utah$3,510$293
Vermont$2,980$248
Virginia$2,760$230
Washington$3,380$282
West Virginia$3,810$318
Wisconsin$3,130$261
Wyoming$3,824$319

How much is car insurance for a 19-year-old female?

The average cost of car insurance for a 19-year-old female driver is $3,495 per year or $291 per month. Auto insurance rates range from an average of $2,416 per year in Maine to $6,848 per year in Michigan.

Some popular models with teenage female drivers and their average car insurance cost include the Toyota Camry at $3,802 per year, the Mazda 3 at $3,654, the Honda Accord at $3,670, and the Kia Soul at $3,230 per year.

The table below shows average yearly and monthly car insurance cost for 19-year-old female drivers in all 50 U.S. states.

Average Car Insurance Cost for 19 Year Old Female Drivers
U.S. StatePer YearPer Month
Alabama$3,206$267
Alaska$3,000$250
Arizona$3,448$287
Arkansas$3,664$305
California$4,226$352
Colorado$4,082$340
Connecticut$4,176$348
Delaware$4,140$345
Florida$5,152$429
Georgia$3,938$328
Hawaii$3,032$253
Idaho$2,548$212
Illinois$2,712$226
Indiana$2,776$231
Iowa$2,524$210
Kansas$3,314$276
Kentucky$4,318$360
Louisiana$5,644$470
Maine$2,416$201
Maryland$3,528$294
Massachusetts$3,206$267
Michigan$6,848$571
Minnesota$3,386$282
Mississippi$3,402$284
Missouri$3,354$280
Montana$3,502$292
Nebraska$3,016$251
Nevada$4,274$356
New Hampshire$2,768$231
New Jersey$3,706$309
New Mexico$3,306$276
New York$4,234$353
North Carolina$2,600$217
North Dakota$2,936$245
Ohio$2,572$214
Oklahoma$4,114$343
Oregon$3,374$281
Pennsylvania$3,368$281
Rhode Island$4,544$379
South Carolina$3,542$295
South Dakota$3,160$263
Tennessee$3,160$263
Texas$3,706$309
Utah$3,120$260
Vermont$2,650$221
Virginia$2,456$205
Washington$3,004$250
West Virginia$3,392$283
Wisconsin$2,784$232
Wyoming$3,400$283

What is the cheapest car insurance for 19-year-olds?

The cheapest car insurance cost for 19-year-old drivers can be found on the Subaru Forester, Honda CR-V, Ford Edge, Volkswagen Golf, and Mazda CX-3.

Average car insurance rates for those five models ranges from $3,146 to $3,374 per year for males and $2,796 to $2,996 for females.

From a vehicle segment perspective, compact SUVs tend to have the cheapest car insurance rates followed by compact and midsize cars. Sports cars like the Ford Mustang, Chevy Corvette, Subaru WRX, and Nissan 370Z have much higher rates.

Average car insurance cost for a 19-year-old driving a Ford Mustang are $4,772 per year, a 19-year-old on a Corvette costs $5,378 per year, and the WRX and 370Z cost $5,110 and $5,334 per year, respectively.

Midsize and full-size pickups tend to fall in the middle of the car insurance cost spectrum, with average rates on the Ford Ranger being $3,990 per year, the Toyota Tacoma at $3,576, and the GMC Sierra at $4,180.

The table below details the 25 cheapest vehicles to insure for 19-year-old drivers. Average annual cost is included for both male and female drivers.

Top 25 Cheapest Vehicles to Insure for 19-year-olds
RankMake/ModelAge 19 MaleAge 19 Female
1Subaru Forester$3,146$2,796
2Honda CR-V$3,186$2,834
3Ford Edge$3,322$2,950
4Volkswagen Golf$3,360$2,988
5Mazda CX-3$3,374$2,996
6Toyota C-HR$3,392$3,014
7Kia Sportage$3,400$3,020
8Mazda CX-5$3,408$3,032
9Subaru Crosstrek$3,494$3,102
10Volvo XC40$3,488$3,100
11Volkswagen Atlas$3,550$3,156
12Chevrolet Spark$3,558$3,164
13Kia Telluride$3,568$3,172
14Subaru Impreza$3,578$3,182
15Chevrolet Blazer$3,576$3,182
16Toyota Tacoma$3,576$3,180
17Kia Sedona$3,584$3,186
18Hyundai Venue$3,590$3,192
19Hyundai Kona$3,598$3,196
20Honda Passport$3,596$3,198
21Mitsubishi Eclipse Cross$3,604$3,204
22Subaru Ascent$3,604$3,204
23Subaru Outback$3,628$3,224
24Chevrolet Colorado$3,630$3,228
25Kia Soul$3,630$3,230

The top 25 models shown in the table above may be the cheapest, but they don’t necessarily reflect the most popular vehicles driven by teenagers. Driving a Kia Sedona minivan may not be the top choice for most 19-year-olds.

The two charts show average car insurance cost for 20 of the most popular vehicles driven by teenagers. The first chart is for 19-year-old males and the second chart is for 19-year-old females.

Only the first three models, the Honda CR-V, Subaru Crosstrek, and Subaru Impreza made the list of top 25 cheapest vehicles to insure shown above.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.
Average Car Insurance Cost for 19-year-old Males
Average Car Insurance Cost for 19-year-old Males
Make/Model Annual Rate Monthly Rate
Honda CR-V$3,186$266
Subaru Crosstrek$3,494$291
Subaru Impreza$3,578$298
Toyota Corolla$3,708$309
Nissan Rogue$3,842$320
Honda Civic$4,018$335
Ford F150$4,096$341
Mazda 3$4,106$342
Honda Accord$4,128$344
Toyota RAV4$4,136$345
Kia Forte$4,198$350
Ford Explorer$4,220$352
Nissan Sentra$4,248$354
Toyota Prius$4,250$354
Toyota Camry$4,278$357
Chevrolet Silverado$4,500$375
Ram Truck$4,702$392
Ford Mustang$4,772$398
Hyundai Elantra$4,910$409
Hyundai Sonata$5,062$422

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.
Average Car Insurance Cost for 19-year-old Females
Average Car Insurance Cost for 19-year-old Females
Make/Model Annual Rate Monthly Rate
Honda CR-V$2,834$236
Subaru Crosstrek$3,102$259
Subaru Impreza$3,182$265
Toyota Corolla$3,298$275
Nissan Rogue$3,414$285
Honda Civic$3,574$298
Ford F150$3,642$304
Mazda 3$3,654$305
Honda Accord$3,670$306
Toyota RAV4$3,680$307
Kia Forte$3,734$311
Ford Explorer$3,750$313
Toyota Prius$3,778$315
Nissan Sentra$3,780$315
Toyota Camry$3,802$317
Chevrolet Silverado$4,004$334
Ram Truck$4,184$349
Ford Mustang$4,246$354
Hyundai Elantra$4,368$364
Hyundai Sonata$4,502$375