Car insurance for a 19-year-old Female driver is nearly $3,560, on average, for a year of full coverage on their own policy. That’s more than $1,800 over the national average ($1,758) for drivers age 30.
Newly licensed drivers are expensive to insure. They are inexperienced, naturally, and have a high rate of accidents. Auto insurance companies view that as risky. So, they charge new, teen drivers much higher rates.
Here we will provide average car insurance rates for 19-year-old females by state, as well as by coverage level, and show how a parent’s rates are affected when teens are added to their policy. You’ll also get expert advice on how much coverage to buy and discounts for young drivers.
How much is car insurance a month for a 19 year old Female ?
On average, teen drivers age 19 will pay about $300 a month for car insurance for a full coverage policy. If you buy just enough insurance to drive legally in your state, it’s about $100 a month.
Below are car insurance costs per month for common coverage levels:
- State minimum policy: $107
- Full coverage, 100/300/100 liability with comprehensive and collision: $295
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Car Insurnace Cost for Teens Per Month Age 19 State minimum monthly rate Full coverage monthly rate Female $100 $270 Male $114 $322 Average $107 $295
Car insurance cost for a 19 year old female
The average cost for insurance for a 19-year-old female is $3,250. That’s for a policy of her own that includes comprehensive and collision coverage, with liability limits of 100/300/100. Teen female drivers age 19 pay about $600 less than males their age.
Below you’ll see average insurance costs by the state for a 19-year-old woman, and how that compares to the price of a parent policy with the teen driver added.
You’ll see that adding a teen is much less expensive. That’s because when teens get their own policy, they qualify for few discounts compared to their parents. Also, teens are commonly listed as a secondary driver on parents’ policies.
| Alaska | $3,088 | $1,318 | $2,427 |
| Alabama | $3,918 | $1,479 | $2,373 |
| Arkansas | $3,656 | $1,550 | $2,609 |
| Arizona | $3,221 | $1,533 | $2,551 |
| California | $4,284 | $2,018 | $2,899 |
| Colorado | $3,627 | $1,733 | $2,772 |
| Connecticut | $4,562 | $1,914 | $3,571 |
| DC | $3,383 | $1,690 | $2,651 |
| Delaware | $3,829 | $1,736 | $2,696 |
| Florida | $4,931 | $2,502 | $3,844 |
| Georgia | $3,834 | $1,638 | $2,683 |
| Hawaii | $1,309 | $1,287 | $1,364 |
| Iowa | $2,295 | $1,054 | $1,762 |
| Idaho | $2,518 | $1,105 | $1,781 |
| Illinois | $2,760 | $1,208 | $2,104 |
| Indiana | $2,600 | $1,237 | $1,945 |
| Kansas | $2,910 | $1,408 | $2,098 |
| Kentucky | $3,927 | $1,682 | $2,778 |
| Louisiana | $5,122 | $2,547 | $4,026 |
| Massachusetts | $3,613 | $1,469 | $2,505 |
| Maryland | $3,570 | $1,615 | $2,477 |
| Maine | $2,095 | $879 | $1,433 |
| Michigan | $6,515 | $2,900 | $4,871 |
| Minnesota | $2,557 | $1,233 | $2,039 |
| Missouri | $2,915 | $1,350 | $1,938 |
| Mississippi | $3,117 | $1,400 | $2,093 |
| Montana | $3,470 | $1,530 | $1,991 |
| North Carolina | $1,336 | $1,150 | $1,346 |
| North Dakota | $2,478 | $1,155 | $1,758 |
| Nebraska | $2,544 | $1,230 | $1,783 |
| New Hampshire | $2,751 | $1,159 | $2,083 |
| New Jersey | $3,364 | $1,595 | $2,613 |
| New Mexico | $3,217 | $1,387 | $2,315 |
| Nevada | $4,055 | $1,905 | $3,264 |
| New York | $3,172 | $1,777 | $2,869 |
| Ohio | $2,348 | $997 | $1,549 |
| Oklahoma | $3,509 | $1,812 | $3,014 |
| Oregon | $3,446 | $1,504 | $2,430 |
| Pennsylvania | $3,446 | $1,503 | $2,608 |
| Rhode Island | $4,374 | $1,939 | $3,600 |
| South Carolina | $3,337 | $1,653 | $2,417 |
| South Dakota | $2,552 | $1,226 | $1,761 |
| Tennessee | $2,961 | $1,214 | $2,171 |
| Texas | $4,420 | $1,618 | $2,802 |
| Utah | $2,863 | $1,267 | $2,090 |
| Virginia | $2,353 | $929 | $1,504 |
| Vermont | $2,307 | $1,004 | $1,803 |
| Washington | $2,825 | $1,269 | $2,111 |
| Wisconsin | $2,496 | $1,148 | $1,761 |
| West Virginia | $3,319 | $1,351 | $2,094 |
| Wyoming | $2,596 | $1,384 | $1,951 |