Most 19-year-old females have little driver experience year. The more driving experience we have, the less we will pay.
How much is the average cost of car insurance for a 19-year-old female per month?
The average cost of car insurance for a 19-year-old female per year will vary depending on the state you live in and the coverage you choose for your vehicle, an average full coverage price for a 19-year-old female who owns a policy and does not add them on their policy comes around $4,100 to $4,150 per year that is turned into $345.85 per month. That is $1,300 less than an 18-year-old female driver per year.
Best car insurance for 19-year-old female per month by state
State |
Average minimum coverage 19-year-old female monthly premium |
Average full coverage 19-year-old female monthly premium |
Alabama |
$247’75 |
$374’95 |
Alaska |
$246’85 |
$350’45 |
Arizona |
$271’95 |
$367’50 |
Arkansas |
$246’95 |
$377’15 |
California |
$300’50 |
$361’25 |
Colorado |
$303’15 |
$423’25 |
Connecticut |
$210’10 |
$372’25 |
Delaware |
$267’65 |
$442 |
Distirct of Columbia |
$265’65 |
$377’65 |
Florida |
$375’55 |
$518’75 |
Georgia |
$297’75 |
$415’25 |
Hawaii |
$106’45 |
$109’85 |
Idaho |
$142’25 |
$229’75 |
Illinois |
$232’95 |
$369’45 |
Indiana |
$166’35 |
$241’55 |
Iowa |
$160’45 |
$229’75 |
Kansas |
$237’10 |
$348’25 |
Kentucky |
$266 |
$409’50 |
Lousiana |
$387’10 |
$553’95 |
Maine |
$127’35 |
$195’55 |
Maryland |
$280’45 |
$451’25 |
Massachussets |
$188’35 |
$277’55 |
Michigan |
$351’85 |
$495’65 |
Minnesota |
$221’35 |
$329’25 |
Mississippi |
$217 |
$325’25 |
Missouri |
$263 |
$388’35 |
Montana |
$235’55 |
$370’95 |
Nebraska |
$191’50 |
$301 |
Nevada |
$355’35 |
$477’85 |
New Hampshire |
$162’55 |
$248’50 |
New Jersey |
$256’55 |
$388’55 |
New Mexico |
$190’95 |
$276’75 |
New York |
$388’85 |
$536’85 |
North Carolina |
$134 |
$142’65 |
North Dakota |
$149’75 |
$224’45 |
Ohio |
$141’35 |
$252’55 |
Oklahoma |
$254’95 |
$350’75 |
Oregon |
$195’55 |
$289’33 |
Pennsylvania |
$293’15 |
$410’65 |
Rhode Island |
$247’50 |
$364’35 |
South Carolina |
$193’50 |
$297 |
South Dakota |
$185 |
$253’25 |
Tenessee |
$201’50 |
$293’75 |
Texas |
$277’55 |
$384’85 |
Utah |
$220 |
$325’10 |
Vermont |
$163’35 |
$244’50 |
Virginia |
$194’75 |
$306’15 |
Washington |
$186’75 |
$361 |
West Virginia |
$201 |
$303’55 |
Wisconsin |
$166’35 |
$252’50 |
Wyoming |
$196’95 |
$285’55 |
How to find cheap car insurance as a 19-year-old female driver
There are several options you can choose to decrease your car insurance premiums as a 19-year-old female driver, these are the following ways to find it:
check many insurances quotes When we go buy any car insurance policy, I always recommend requesting as many insurance quotes from all the possible car insurance carriers in your state, this way you will be able to compare prices, but also their coverage.
Remain in your parent's policy
You want your independence, but there are 4 situations where you may consider remaining in your parent’s policy or not, such:
If your parents have a clean record, then, you should consider remaining in your parent’s policy, it would be possible that your premiums will be lower this way.
If you have a good record but don’t live with your parents, then you have 2 options depending on whether you have your own car. If you have your own car, then you should buy a separate policy, in case you don’t have your own car but often drive another vehicle, such as your roommate’s one, then you may consider buying a non-owner car insurance policy.
If you have a poor driving record and live with your parents, then you should get your own policy, but that depends on the number of tickets and violations you committed.
If you have a poor driving record and you don’t live with your parents, in this case, I recommend to your parents remove you from their car insurance, especially if no longer living at home, which means, you’re on your own, and you should buy your own policy. This way you won’t make your parents pay way more premiums because of you.
Use the insurance carrier discounts
Many insurers offer discounts for being a good student, that discount may vary depending on the insurance company you buy your policy from. Said so, the insurance company offering the highest and the largest discounts is GEICO.
Drive old car
Our car specs have a great influence on your policy premium, new car repair pieces often to be very expensive to replace, if you drive an old car, your car insurance carrier won’t charge you so much to insure your vehicle. Keep in mind that if that vehicle is too old, then that mechanical breakdown may increase your premiums.
Drive safe car
Car insurance companies take the risk factor as the main reason to value your premium. That’s why it makes sense to drive a safe car, that will make your premiums drastically reduced. Also, you and your passengers will suffer fewer injuries while driving.
Opt for a high deductible
Basically, a car deductible is the amount of money you’ll pay from your own pocket once you get an accident before your auto insurance company pays the rest of the accident repairing bills. That means if you increase your deductible, then, your premiums will be reduced.
Most the cause insurance companies will never use a deductible towards liability, or medical payments. But they will use a deductible for any sort of collision, comprehensive, personal injury protection, and the uninsured motorist with any sort of bodily injury, or mechanical breakdown.
You can read my post about how the deductible works here.
Use mileage car insurance
If you’re a full-time student, then, you won’t drive more than a few dozens of miles per week, that’s the reason why you should consider buying mileage car insurance. Keep in mind that as a student, you live in the college, or near the campus, so you just can walk to go to class or take public transit.
Is true that male drivers pay more than female drivers?
Yes, It is, male drivers often riskier than female drivers, so they tend to pay 12% more for insurance. Although the final price of your auto insurance will vary depending on many factors other than your genders, such as your age or the state where you live.
You can read how car insurance premiums are calculated here.
Conclusion
As we can see, each car insurance monthly premium will vary by state.
There are many ways to reduce our car insurance premiums by shopping quotes from different car insurance carriers.
Keep in mind that student discounts and usage-based insurance may be good options for students.
Your vehicle specs will affect your premiums.
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