Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 5, 2020

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Key takeaways...

  • On average, drivers under 24 years of age cause around $26 billion dollars worth of damage in car accidents each year
  • Make sure to research any discounts you might be eligible for
  • When determining how much insurance one needs, it’s important for drivers to consider the value of their car and if they could afford to replace their car on their own
  • Young drivers should also determine how much they could save on a policy by lowering their coverage limits and raising their deductible

Car insurance companies see young, inexperienced drivers as being a high risk to insure. Even if a responsible 19-year-old has maintained a clean record in their few years of driving, they will be considered a higher risk than a more experienced adult.

This is especially true if a driver has had their license for less than three years. Compare young drivers car insurance by entering your ZIP code into our FREE comparison tool above!

Table of Contents

The Risk of Teen Drivers

According to the Rocky Mountain Insurance Information Association, car accidents are the leading cause of death in people between 15 and 20 years of age.

A 16-year-old driver is three times as likely to get into an accident than a more experienced driver. On average, drivers under 24 years of age cause around $26 billion dollars worth of damage in car accidents each year.

Because younger drivers get into more accidents, they are charged more for insurance. Male drivers are seen as an even greater risk, which causes their rates to be higher than young female drivers.

Young drivers are usually subjected to higher rates until they reach 25 years of age.

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Car Insurance Discounts for Teens

While a 19-year-old driver will be seen as a high risk, there are ways for teenagers to lower their insurance rates. One can find cheap car insurance for young drivers by entering your ZIP code into our ZIP code search!

The easiest way is to take advantages of certain car insurance discounts, including:

  • Student Discounts – Many insurance providers will give discounts to students that are currently enrolled in a trade school or college. This is because insurance companies expect students to be more responsible than non-students. In return, one can find cheap car insurance for students!
  • Good Student Discounts – Many providers will give a larger discount to students that maintain a certain GPA since this shows even greater responsibility. Good student discounts can save teens as much as 15 percent.
  • Defensive Driving Classes – Taking a Defensive Driving or Accident Avoidance class is a great way to get a lower rate. These classes can be found online, through AAA, or through private companies. When asked, insurance providers can provide young drivers with a list of acceptable classes they can take to earn a discount on their rates.
  • Good Driver Discounts – Good driving discounts are usually only offered to drivers after three years of maintaining a clean driving record. Since good driver discounts can save around 20 percent, it is definitely worth searching for a provider that will honor this discount–assuming that a teen has a clean driving record.

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How a 19-Year-Old Driver Should Begin Looking for Insurance

At 19, many drivers have never had to purchase their own insurance. When most people begin driving, their parents add them onto their insurance plan. Yet, as teenagers get older, they are usually expected to take on more responsibility.

One major responsibility is car insurance.

Beginning the search for car insurance can be intimidating. Most teens are unsure what coverage they need, how much they should expect to pay, and how to begin looking.

When beginning the search, teens should first determine who much car insurance coverage they need. To do this, drivers must determine their state’s minimum amount of required liability coverage.

It is always better to get more than the minimum, but figuring out what is legally required is a good starting point.

The next step is determining whether comprehensive, collision and uninsured motorist coverage is also needed. Comprehensive coverage will cover the cost of repairs caused outside of an accident. Collision will cover damage caused in an accident.

Uninsured motorist will protect a driver in the event that they get into an accident with someone that doesn’t have enough insurance to cover their bills. Insurance companies also offer extras like roadside assistance and rental car reimbursement.

When determining how much insurance one needs, it’s important for drivers to consider the value of their car and if they could afford to replace their car on their own.

The more coverage one purchases, the higher their insurance rates will be. In order to receive lower rates, many teens decide to forgo collision and/or comprehensive coverage.

This will lower a driver’s premiums. Unfortunately, if the teen gets into an accident, they will be responsible for the entire cost of repairing their car.

Deciding how much coverage to purchase is something that many drivers, both young and old, struggle with. Before purchasing a policy, young adults may want to talk with their parents to determine how much coverage is reasonable for their individual situation.

Young drivers must remember that while insurance can be expensive, getting caught without adequate insurance will always be much worse.

How Teens Can Find the Lowest Car Insurance Rates

The best way for young drivers to get a good deal is to shop around and compare the policies offered by different providers.

Some insurance providers will charge inexperienced drivers much more than others. Different insurance companies also follow different guidelines when it comes to discounts.

A driver that has been driving for 2 years and 10 months may not be eligible for a good driver discount at one insurance provider, while they would be considered eligible by another.

While comparison shopping, take the time to request quotes from several different companies. Young drivers should also determine how much they could save on a policy by lowering their coverage limits and raising their deductible.

To find an insurance policy, a 19-year-old will have to compare their options and choose a policy that meets their needs, without exceeding their budget. We can do the comparing for you! Enter your ZIP and compare car insurance quotes for FREE now!