Best Cheap Car Insurance for 19 Year Olds in New York

Finding dependable, affordable car insurance is confusing at best, and determining which companies have the cheapest auto insurance rates for 19 year olds will take even more shopping around. Policy prices may be significantly more expensive than the average rate in New York attributed to the extra risk that comes with selling coverage for teenage drivers, but reasonable coverage should be available if you look hard enough.

Each auto insurer uses a slightly different approach to establish rates, so to begin we’ll rank the most budget-friendly auto insurance companies in New York. It’s a good idea to be aware that New York auto insurance rates are impacted by many things which can substantially change the policy price. Events such as a birthday, increasing deductibles, or getting a ticket for careless driving can produce rate changes that can make some companies higher-priced than before.

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USAA generally has some of the most affordable car insurance rates in New York at around $1,199 each year. Erie, Travelers, Utica National, and Progressive also make the cut as some of the cheaper New York insurance companies.

As shown in the rates above, if you are a policyholder with Erie and switched to USAA, you might see savings of in the neighborhood of $56. Insureds with Travelers could save as much as $314 a year, and Utica National policyholders might cut rates by $350 a year.

It’s important to note that these premiums are averages for all drivers and vehicles in New York and do not take into consideration a rate surcharge for 19 year olds. So the company that can offer you the best rate may not even be featured in the above rate chart. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The vehicle that needs insurance is probably the most important factor when consumers are trying to find cheaper coverage for 19 year olds. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The next tables presents auto insurance premiums for the most economical vehicles to buy insurance for.

Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can impact premiums significantly.

Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can revise premium rates substantially.

Above prices assume single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in New York location which can decrease or increase coverage rates substantially.

Get discounts on New York auto insurance rates

Auto insurance companies that offer the best cheap car insurance for 19 year olds in New York may also give you policy discounts that could lower prices by as much as 40% or more if you qualify. A list of auto insurance companies and some of the premium reductions they offer are shown below.

The illustration below illustrates the difference between auto insurance rates with and without discounts. The price estimates are based on a male driver, no violations or accidents, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, safe-driver, vehicle safety, passive restraint, and homeowner discounts applied. When these discounts are applied, the the amount saved on auto insurance for 19 year olds is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 19’, 4381,3143],[‘Age 30’, 1793,1303],[‘Age 40’, 1791,1299],[‘Age 50’, 1627,1181],[‘Age 60’, 1577,1141]]);var options = {title: ‘Insurance Premium Comparison for 19 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to get the best cheap car insurance for 19 year olds in New York

The list below details some thrifty solutions that can help you get cheaper coverage.

• Save money by bundling your home and auto policies
• Frequent claims may make car insurance unaffordable
• Do not get traffic tickets
• Save money by insuring older vehicles for liability only
• Drive safe vehicles
• Maintain a safe distance and avoid accidents
• Shop around for cheaper prices often

The last suggestion is certainly necessary, as was affirmed in the prior information. Car insurance rates change frequently, so you should be ready to change insurance companies if a better deal can be had.

Having a favorite company is fine, but it’s not a great idea if it’s costing you major coinage every year. It only takes a couple minutes to compare rates to find cheaper car insurance for 19 year olds.

Cheapest insurance quotes for teenage drivers

Drivers have many ways to quote cheap auto insurance rates in New York, but the three most common are through an independent insurance agent, an exclusive insurance agent such as Allstate or Liberty Mutual, or direct either online or via phone. You can use whichever you prefer, but it’s important to point out the distinctions in how they provide rate quotes.

Independent insurance agents write business for many companies and can quote your policy with every one. They have the ability to provide you with more rate quotes, which can help you get the best chance of finding a lower price. If they find a cheaper price, they can switch companies in-house without you having to go to a different agency.

An exclusive ageny is able to place business with one company like Allstate or State Farm agents. Exclusive agents normally do not have the ability to provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

The final way is buying direct, which means you skip an independent or exclusive agent and instead buy from a direct company like Esurance or Geico. Shopping direct is good for families who do not need high amounts of coverage and understand what auto insurance covers and what it doesn’t.

Which method works best for finding the best cheap car insurance for 19 year olds in New York? We’d like to tell you buying from a direct car insurance company results in the best prices since no commissions are paid to an agent, but that does not always hold true. A good argument could also be made that using an independent agent results in the best rates due to having more companies to select from, but that assumption is also not accurate. And occasionally, exclusive agencies have extremely competitive rates that are the cheapest.

Since auto insurance prices vary so much, the only real way to not overpay for auto insurance is to get quotes and compare the rates. It takes a little work, but we recommend you get price quotes from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.