• Wed. Dec 6th, 2023

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Best Car Insurance for 19-Year-Olds: Cheapest Providers (2022)

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

#1: State Farm: Editor’s Choice

State Farm earns our Editor’s Choice award for its affordable rates, variety of coverage options and many discounts. The company’s rates for 19-year-old drivers come in comfortably below the national average. State Farm offers special incentives for young drivers in particular, including the good student discount that can reach 25% for maintaining a B average.

State Farm’s Steer Clear® program also gives teenage drivers the chance to save money. This app-based course is designed for drivers under the age of 25 and rewards safe driving habits with discounts up to 20%. State Farm carries an A+ rating from the Better Business Bureau (BBB) and a top-of-the-scale A++ financial strength rating from AM Best.

Keep reading: State Farm insurance review

#2 USAA: Low Rates for Military

While USAA offers the lowest rates for 19-year-old drivers on average, we didn’t name it our top choice due to its limited availability. USAA plans are available only for active military, veterans and their immediate family members — but it’s an excellent choice for those who qualify. 

Along with low rates, USAA is known for excellent customer service. The company also ranks highly across the board in the 2022 J.D. Power U.S. Auto Insurance Study℠.

Keep reading: USAA insurance review

#3 Geico: Affordable for Most Drivers

Geico is one of the most popular insurance providers in the U.S., combining a long history with an excellent industry reputation. The company offers some of the lowest rates, along with a host of discounts for 19-year-old motorists. For instance, Geico’s good student discount can take 15% off the cost of a policy.

Geico boasts an A+ rating from the BBB and receives above-average scores across most regions in the J.D. Power Auto Insurance Study. The company also has an A++ financial strength rating from AM Best.

Keep reading: Geico insurance review

#4 Travelers: Most Coverage Options

Travelers offers below-average rates for both 19-year-old female and 19-year-old male drivers, and a variety of discount options for younger drivers. Full-time high school and college students who maintain a good GPA earn a discount of up to 8%. Young drivers can also save by completing a Travelers-approved defensive driving course. The company’s IntelliDrive program, which tracks safe driving behaviors, can turn good habits into lower car insurance premiums.

Travelers offers a host of add-on car insurance options, including two levels of 24-hour roadside assistance, accident and minor violation forgiveness and new car replacement for vehicles totaled within the first five years of ownership. The company holds an A++ financial strength rating from AM Best and an A rating from the BBB.

Keep reading: Travelers insurance review

#5 Auto-Owners

Auto-Owners features some of the lowest full coverage car insurance rates for 19-year-olds. The company also receives high marks for customer service, with an A+ rating from the BBB and a 4.0 out of 5.0-star rating from customers on Google.

Along with an array of discounts, including driver discounts for good students and for college students who leave their cars at home while away at school, Auto-Owners offers a variety of optional coverages for those who want extra protection. These add-on policies include at-fault accident forgiveness and cell phone replacement, two options that make sense for young drivers.

Keep reading: Auto-Owners insurance review


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