The vehicle model driven is a large factor when comparing quotes for the best car insurance for 19 year olds. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.
The table below features auto insurance costs for some of the cheaper vehicles to buy coverage for.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Hyundai Elantra GLS Touring Station Wagon | $4,670 |
Ford Escape XLT 4WD | $4,732 |
Honda CR-V EX 4WD | $4,740 |
Chevrolet Traverse LT AWD | $5,116 |
Subaru Forester X Premium AWP AWD | $5,122 |
Toyota Prius | $5,116 |
Hyundai Tucson GLS 2WD | $5,161 |
Toyota Highlander 2WD | $5,223 |
Ford Explorer XLT 2WD | $5,228 |
Ford F-150 XL Regular Cab 4WD | $5,223 |
Ford Edge Limited 2WD | $5,486 |
Honda Civic DX 4-Dr Sedan | $5,494 |
Toyota Tacoma Double Cab 4WD | $5,548 |
Toyota RAV4 Sport 4WD | $5,555 |
GMC Sierra SL Extended Cab 2WD | $5,548 |
Volkswagen Jetta LE 4-Dr Sedan | $5,553 |
Chevrolet Equinox LT 2WD | $5,548 |
Jeep Grand Cherokee Laredo 4WD | $5,557 |
Dodge Grand Caravan SXT | $5,607 |
Dodge Ram Quad Cab ST 2WD | $5,642 |
Jeep Wrangler Unlimited Sport 2WD 4-Dr | $5,644 |
Ford Focus SEL 4-Dr Sedan | $5,811 |
Honda Odyssey EX-L W/Rear Entertainment | $5,873 |
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Above prices assume single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific location which can influence premiums significantly.
Looking at the numbers, you can see that vehicles like the Hyundai Elantra, Ford Escape, and Honda CR-V are most likely to be some of the most affordable vehicles to insure for teenage drivers. The price of auto insurance will tend to be more expensive because of the fact that there is a higher risk for 19 year olds, but in general those models will tend to have the best insurance prices that you’ll find.
When shopping for cheaper car insurance for teenage drivers, one of the many things that determine a rate quote is where you call home in Oklahoma. Areas with more people or higher crime rates like Del City, Tulsa, and Bethany are more likely to have higher rates, whereas cities that are not as densely populated tend to receive slightly lower rates.
The following table shows the higher priced cities in Oklahoma for 19 year olds to buy auto insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Del City | $2,243 |
2 | Broken Arrow | $2,216 |
3 | Tulsa | $2,215 |
4 | Bixby | $2,213 |
5 | Bethany | $2,201 |
6 | Sand Springs | $2,161 |
7 | Midwest City | $2,119 |
8 | Oklahoma City | $2,113 |
9 | Owasso | $2,085 |
10 | Sapulpa | $2,081 |
11 | Norman | $2,075 |
12 | Moore | $2,069 |
13 | Claremore | $2,048 |
14 | Edmond | $2,042 |
15 | Yukon | $1,994 |
16 | Shawnee | $1,988 |
17 | Bartlesville | $1,981 |
18 | Enid | $1,942 |
19 | Stillwater | $1,911 |
20 | Muskogee | $1,905 |
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Rates are approximated as the garaging address in Oklahoma can impact price quotes greatly.
When comparing auto insurance for teenage drivers, the first places to look would be Progressive, Allstate, Geico, and State Farm. The following table breaks down some of the different options that policyholders can buy.
Progressive | Allstate | Geico | State Farm | |
---|---|---|---|---|
Discounts Available | 4th | 1st | 2nd | 3rd |
Claims Service | 4th | 1st | 3rd | 2nd |
Overall Satisfaction | 3rd | 2nd | 1st | 4th |
Policy Cost | 3rd | 4th | 1st | 2nd |
U.S. market share | 8.8% | 10% | 11.4% | 18.3% |
Customer recommendation | 88% | 86% | 87% | 88% |
A.M. Best financial rating | A+ | A+ | A++ | A++ |
Rate for vehicle usage | Yes | Yes | No | Yes |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
New car replacement insurance | No | Yes | No | No |
Accident forgiveness coverage | Yes | Yes | Yes | No |
Mechanical breakdown insurance | Yes | No | Yes | No |
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