Car Insurance for 19-Year-Olds: Average Rates by State (2026)
Quick Answer
A 19-year-old driver pays an average of $445/month ($5,345/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 19-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $2,730/yr | $228/mo | $804/yr | Details |
| Vermont | $2,814/yr | $235/mo | $845/yr | Details |
| New Hampshire | $2,897/yr | $241/mo | $859/yr | Details |
| Idaho | $2,994/yr | $250/mo | $873/yr | Details |
| Ohio | $3,132/yr | $261/mo | $915/yr | Details |
| North Carolina | $3,299/yr | $275/mo | $1,081/yr | Details |
| Iowa | $3,410/yr | $284/mo | $915/yr | Details |
| Wisconsin | $3,451/yr | $288/mo | $970/yr | Details |
| Wyoming | $3,562/yr | $297/mo | $970/yr | Details |
| North Dakota | $3,576/yr | $298/mo | $970/yr | Details |
| Indiana | $3,687/yr | $307/mo | $1,067/yr | Details |
| Hawaii | $3,714/yr | $310/mo | $1,081/yr | Details |
| South Dakota | $3,714/yr | $310/mo | $998/yr | Details |
| Montana | $3,812/yr | $318/mo | $1,012/yr | Details |
| Virginia | $3,839/yr | $320/mo | $1,137/yr | Details |
| Nebraska | $3,964/yr | $330/mo | $1,067/yr | Details |
| Oregon | $4,033/yr | $336/mo | $1,164/yr | Details |
| Washington | $4,075/yr | $340/mo | $1,206/yr | Details |
| West Virginia | $4,089/yr | $341/mo | $1,164/yr | Details |
| Alaska | $4,116/yr | $343/mo | $1,053/yr | Details |
| Pennsylvania | $4,213/yr | $351/mo | $998/yr | Details |
| Tennessee | $4,213/yr | $351/mo | $1,234/yr | Details |
| Utah | $4,241/yr | $353/mo | $1,220/yr | Details |
| New Mexico | $4,283/yr | $357/mo | $1,178/yr | Details |
| Illinois | $4,310/yr | $359/mo | $1,441/yr | Details |
| Minnesota | $4,338/yr | $362/mo | $1,303/yr | Details |
| Alabama | $4,375/yr | $365/mo | $1,358/yr | Details |
| Arkansas | $4,491/yr | $374/mo | $1,289/yr | Details |
| Missouri | $4,574/yr | $381/mo | $1,317/yr | Details |
| Mississippi | $4,588/yr | $382/mo | $1,372/yr | Details |
| Massachusetts | $4,657/yr | $388/mo | $1,525/yr | Details |
| South Carolina | $4,657/yr | $388/mo | $1,414/yr | Details |
| Maryland | $4,837/yr | $403/mo | $1,538/yr | Details |
| Kansas | $4,865/yr | $405/mo | $1,372/yr | Details |
| Arizona | $4,962/yr | $414/mo | $1,469/yr | Details |
| Colorado | $5,017/yr | $418/mo | $1,400/yr | Details |
| Delaware | $5,045/yr | $420/mo | $1,746/yr | Details |
| Oklahoma | $5,142/yr | $429/mo | $1,483/yr | Details |
| Rhode Island | $5,364/yr | $447/mo | $1,705/yr | Details |
| California | $5,581/yr | $465/mo | $1,317/yr | Details |
| Texas | $5,599/yr | $467/mo | $1,455/yr | Details |
| Georgia | $5,738/yr | $478/mo | $1,760/yr | Details |
| Connecticut | $5,752/yr | $479/mo | $1,996/yr | Details |
| Kentucky | $5,793/yr | $483/mo | $1,774/yr | Details |
| Nevada | $5,918/yr | $493/mo | $1,802/yr | Details |
| Michigan | $6,764/yr | $564/mo | $2,218/yr | Details |
| New Jersey | $6,985/yr | $582/mo | $2,162/yr | Details |
| Louisiana | $8,565/yr | $714/mo | $2,481/yr | Details |
| New York | $8,870/yr | $739/mo | $3,299/yr | Details |
| Florida | $9,113/yr | $759/mo | $2,578/yr | Details |