Finding cheap car insurance companies might be challenging for drivers who are 19 years old. Because they have less driving experience, teenage drivers are seen by insurance companies as high-risk drivers. Additionally, their yearly rates are far greater than those of older, more experienced drivers.
In this article, the best companies offering 19-year-olds car insurance so you could get the best deals. In addition, a full coverage car insurance policy for a 19-year-old typically costs $3,708 a year, or $309 monthly. Furthermore, to find out more about these businesses and the savings they provide for inexperienced drivers.
Best Cheap Car Insurance Companies for 19-Year-Olds
For drivers under the age of 19, there are several alternatives when it comes to car insurance. We highlighted some of the best car insurance companies for your consideration by using average rate data and taking into account any insurer’s exceptional coverage options.
In addition, that is based on a five-point rating system that evaluates performance in many areas. These consist of typical rates, discounts, coverage options, availability in each state, and ratings of financial stability, consumer satisfaction, and digital accessibility.
State Farm
State Farm receives the best customer experience award because it has low prices, diverse coverage options, and several discounts. Generally, the company charges significantly less for drivers who are 19 years old than the norm in the country. State Farm provides unique inducements, such as a good student discount that may reach 25% for keeping a B average, specifically for young drivers.
Moreover, young drivers can also save funds with State Farm’s Steer Clear program. Additionally, discounts of up to 20% are offered to drivers under 25 who complete this app-based training, which promotes safe driving practices. Lastly, it has an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).
USAA
USAA is reasonably affordable for drivers of all ages and with a variety of driving histories. If you are eligible, it’s worth looking into USAA. Moreover, to qualify for USAA auto insurance, you must be a service member, veteran, or family member of a service member.
The company offers low-cost insurance for good drivers, gap coverage, accident forgiveness, new car replacement, and rideshare insurance. In addition, USAA offers the most affordable average rates for excellent drivers on auto insurance. Furthermore, the average price for excellent drivers in the country is far less than the $2,026 annual.
Travelers
Travelers are the most comprehensive coverage options for 19-year-olds that offer the best cheap car insurance apart from other companies. Since 19-year-old drivers are significantly more likely to be in accidents, these alternatives are essential. However, if they are eligible for accident forgiveness, their insurance premium won’t increase much following their first at-fault collision.
Moreover, this insurance provider offers coverage that guards against the increased hazards that young drivers encounter, which makes it a good fit for 19-year-olds. With student-only discounts, it helps cover the often higher expenses associated with being a young, inexperienced driver.
GEICO
GEICO offers various discounts for young drivers, including discounts for good students, good drivers, airbags, seat belt use, defensive driving, membership, and the DriveEasy app. In addition to providing comprehensive services, it also offers add-ons like mechanical breakdown insurance and roadside assistance. Furthermore, AM Geico’s financial strength is rated as A++, Superior by Best, the best possible rating, as it continues to hold an A+ rating with the BBB.
AMICA
Amica is considered one of the best cheap car insurance companies because of its strong customer satisfaction ratings and dividend-paying policyholder options. Additionally, Amica offers many discounts to younger customers, making it one of the greatest companies for drivers that are 19 years old.
Also, an excellent student discount, a student away at school discount, and a driving training discount might be awarded to qualifying 19-year-olds. These discounts allow 19-year-old drivers whose parents have had Amica insurance for at least five years to receive a discount on their own separate policy, which is arguably the most distinctive feature. However, Hawaii does not provide Amica auto insurance.
Auto Owners
Auto-Owners offers some cheap full-coverage car insurance quotes for 19-year-olds. Additionally, the company is praised for its excellent customer service, as seen by its A+ BBB rating and its customers’ 4.0 out of 5.0 Google star ratings.
In addition to a range of discounts that are available, such as those for good students and college students who leave their automobiles at home while attending classes, it also provides a selection of supplemental coverage for individuals who need additional security.
For young drivers, these add-on plans make sense, as they provide alternatives like mobile phone replacement and at-fault accident forgiveness.
Liberty Mutual
Liberty Mutual is another excellent choice for 19-year-olds that want to purchase cheap car insurance. Additionally, it offers three age-specific discounts, including Good Student, Teen Driving Program, and New Teen Driver.
If a family has added a young driver to their account within the previous year, they are eligible for the New Teen Driver discount. The Good Student discount is available to students under 25 who maintain a B average or above, while the Teen Driving Program discount is applicable to drivers under 21 who enroll in authorized educational courses.
Finally, good drivers can receive reductions of up to 30% through Liberty Mutual’s Right Track program. Using a smartphone app, Right Track your records driving in real time. If you apply after the first ninety days, you will receive a discount.
Progressive
While Progressive may not be the lowest option on this list, young drivers who are new to auto insurance may find great value in the company’s Name Your Price Tool. The Name Your Price Tool handles the legwork for you, saving you from having to specify every detail about the coverage limitations and add-ons you desire.
All states provide Progressive, and younger drivers may find its highly rated mobile app intriguing since it has received positive reviews from both Google Play and iOS users.
19-year-olds can find cheap car insurance through companies like State Farm, USAA, Geico, and Auto-Owners. Nationwide and Travelers offer competitive rates for 19-year-olds in parents’ policies. Moreover, discounts like student or defensive driving courses can help save. The best cheap car insurance depends on individual circumstances and coverage level.