When talking about car insurance, the word affordable should not appear anywhere to describe car insurance rates. Despite the oxymoron, cheap auto insurance for 19 year olds can be hard to find. Don’t let that spoil your day, because we are going to show you some ways you can find and buy coverage that works with your budget.
Performance level and cost of the vehicle requiring insurance is a significant factor that determines if you can find economical car insurance for 19 year olds. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The next tables ranks auto insurance prices for a handful of the cheapest automobiles to insure.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $3,692 | $1,846 | $308 |
Honda Accord LX 4-Dr Sedan | $3,108 | $1,554 | $259 |
Hyundai Elantra SE Touring Station Wagon | $3,402 | $1,701 | $284 |
Hyundai Sonata Limited 4-Dr Sedan | $4,242 | $2,121 | $354 |
Kia Optima EX | $4,242 | $2,121 | $354 |
Nissan Altima 3.5 SR 4-Dr Sedan | $3,988 | $1,994 | $332 |
Toyota Camry Hybrid | $4,242 | $2,121 | $354 |
Toyota Corolla S | $3,940 | $1,970 | $328 |
Volkswagen Jetta SEL 4-Dr Sedan | $3,988 | $1,994 | $332 |
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Data variables include single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location which can raise or lower premium rates greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Buick Enclave CX AWD | $3,988 | $1,994 | $332 |
Chevrolet Traverse LT AWD | $3,450 | $1,725 | $288 |
Ford Escape XLS 4WD | $3,108 | $1,554 | $259 |
Ford Explorer Limited 2WD | $3,740 | $1,870 | $312 |
GMC Acadia SLT AWD | $3,740 | $1,870 | $312 |
GMC Terrain SLT AWD | $3,698 | $1,849 | $308 |
Honda CR-V EX-L 2WD | $3,154 | $1,577 | $263 |
Honda Pilot Touring 4WD | $3,740 | $1,870 | $312 |
Hyundai Tucson Limited 2WD | $3,692 | $1,846 | $308 |
Jeep Grand Cherokee Limited 4WD | $3,988 | $1,994 | $332 |
Lexus RX 350 4WD | $4,536 | $2,268 | $378 |
Toyota Highlander SE 4WD | $4,034 | $2,017 | $336 |
Toyota RAV4 Limited 4WD | $3,692 | $1,846 | $308 |
Volvo XC90 3.2 2WD | $3,988 | $1,994 | $332 |
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in Wyoming location which can raise or lower insurance rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT 2WD | $3,350 | $1,675 | $279 |
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $4,082 | $2,041 | $340 |
Chevrolet Silverado LS Extended Cab 4WD | $3,692 | $1,846 | $308 |
Dodge Ram Crew Cab SLT 4WD | $4,288 | $2,144 | $357 |
Ford F-150 SVT Raptor Super Cab 4WD | $3,740 | $1,870 | $312 |
Ford F-350 Crew Cab Harley Edition 4WD | $5,004 | $2,502 | $417 |
GMC Canyon SLE Crew Cab 4WD | $3,740 | $1,870 | $312 |
GMC Sierra Denali Crew Cab 2WD | $4,282 | $2,141 | $357 |
Toyota Tacoma 2WD | $3,646 | $1,823 | $304 |
Toyota Tundra Regular Cab 2WD | $3,652 | $1,826 | $304 |
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Cost estimates assume single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific Wyoming garaging location which can impact premiums significantly.
When buying auto insurance for teenage drivers, one of the key factors used to calculate rate quotes is where you normally keep your vehicle in Wyoming. Areas with increased crime or more people like Jackson, Gillette, and Laramie tend to have higher rates, whereas areas with less traffic congestion and claims benefit from lower coverage costs.
The table below displays the most expensive places in Wyoming for 19 year olds to purchase a policy in.
Rank | City | Annual Premium |
---|---|---|
1 | Jackson | $1,218 |
2 | Newcastle | $1,218 |
3 | Gillette | $1,209 |
4 | Douglas | $1,204 |
5 | Laramie | $1,197 |
6 | Riverton | $1,195 |
7 | Torrington | $1,192 |
8 | Buffalo | $1,184 |
9 | Lander | $1,180 |
10 | Rawlins | $1,180 |
11 | Fox Farm-College | $1,177 |
12 | South Greeley | $1,176 |
13 | Evanston | $1,176 |
14 | Worland | $1,175 |
15 | Mills | $1,174 |
16 | Wheatland | $1,156 |
17 | Powell | $1,151 |
18 | Rock Springs | $1,150 |
19 | Green River | $1,148 |
20 | Ranchettes | $1,144 |
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Premium costs are approximated as specific Wyoming zip code can raise or lower prices substantially.
If you’re looking for the cheapest car insurance, the first places to look would be State Farm, Progressive, Allstate, and Geico. Combined they insure over 45% of all policies written. The data below ranks ratings and policy coverage options shoppers can expect to find with each one.
State Farm | Progressive | Allstate | Geico | |
---|---|---|---|---|
Claims Rank | 2nd | 4th | 1st | 3rd |
Client Satisfaction | 4th | 3rd | 2nd | 1st |
Overall Cost | 2nd | 3rd | 4th | 1st |
Policy Discounts | 3rd | 4th | 1st | 2nd |
Rating from A.M. Best | A++ | A+ | A+ | A++ |
Standard & Poor’s rating | AA | AA | AA- | AA+ |
New car replacement insurance | No | No | Yes | No |
Breakdown insurance | No | Yes | No | Yes |
Rate for vehicle usage | Yes | Yes | Yes | No |
Roadside service | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Where to buy | Only from State Farm agents | Indpendent agents or online | Allstate exclusive agents | Both online and from Geico agents |
Number of agents | 18,000+ | 30,000+ | 11,000+ | 150+ |
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