Car insurance for 19-year-olds

Find out the average cost of car insurance for a 19-year-old based on the specific model version and the driver's location.

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The cost of car insurance can often become a concern for 19-year-olds. It’s a cruel reality that car insurance tends to be more expensive during these early adult years where you’re most likely to be struggling to make a lot of money.

Still, there are ways for 19-year-olds to lower the cost of car insurance, and we’ll be exploring this idea in the guide below.

Why is car insurance more expensive for 19-year-olds?

Car insurance companies use a range of factors to calculate premiums for each customer, and their age is one of the most significant.

Historically, younger drivers are the most likely to make a claim on their policy, and that’s why 19-year-olds tend to face such hefty premiums. It’s the insurers’ way to protect themselves against this added risk.

Cheapest cars to insure for a 19-year-old

A great way to reduce your car insurance premium is to choose a car that’s cheaper to insure. In the table below, you’ll find a list of the most affordable cars for 19-year-olds to insure.

MakeModelAgeAverage price-
Ford Fiesta1.1L Zetec Ti-VCT 5dr19£1692Get Quote
SEAT Ibiza1.0 TSI XCELLENCE 5dr19£1893Get Quote
Hyundai i101.0 Se 5dr Hatchback 19£1532Get Quote
Volkswagen Polo1.2 S 5d19£1481Get Quote
Toyota Aygo1.0 VVT-i X-Press 5dr19£1847Get Quote
Peugeot 1081.2 PureTech Allure 5dr Petrol Hatchback19£1974Get Quote
Citroen C11.2 PureTech Flair 5dr19£1974Get Quote
Skoda Fabia1.0 MPI 75 Colour Edition 5dr19£1584Get Quote
Dacia Sandero1.0 SCe Ambiance 5dr19£1638Get Quote
Vauxhall Corsa1.4i ecoTEC Design 5dr19£1745Get Quote
Vauxhall AdamENERGISED 1.2 3dr19£1935Get Quote
Kia Rio1.0 T-GDi 2 5dr19£1847Get Quote
Renault Twingo0.9 TCE Iconic 5dr19£1847Get Quote
Ford KA1.2 85 Zetec 5dr19£1745Get Quote
Volkswagen UP1.0i Up 5dr19£1692Get Quote

Average insurance cost for a 19-year-old

We ran several quotes to find an average figure for a 19-year-old seeking car insurance. Based on these results, we found a 19-year-old with a comprehensive policy can expect to pay £1935 per year.

Average insurance cost for a 19-year-old by location

There are many factors that will affect the cost of a 19-year-old’s car insurance premiums, and your location is another significant one.

To show the potential impact of your home address, here are some average quotes for a 19-year-old living in three different locations. The quotes are for a Volkswagen Polo 1.2 S 5d.

  • Cheap: £1134 (Truro, TR8)
  • Average: £1481 (Chester, CH1)
  • Expensive: £1746 (London, E10)

What other costs are involved in getting your first car?

As well as paying for their car insurance, you’ll need to make sure you have the money available to cover the following costs.

  • Petrol. The more you’re using your car, the more it’ll cost to keep tank full.
  • Car tax. An annual bill, also known as vehicle excise duty, paid to the government. Your bill will differ depending on your choice of vehicle, its emissions and when it was registered.
  • MOT. If a car is more than three years old, you’ll have to pay for an MOT test every year. This test is to check that the car meets the legal standards for safety and environmental friendliness.
  • Servicing and maintenance. As the car gets older, you’ll inevitably have to pay for the cost of repairs and maintenance. Your MOT test will identify what maintenance jobs are necessary.
  • Repairs. You can make an insurance claim if you want your insurer to cover the cost of repairs. However, as this will impact your no-claims bonus, you might prefer to cover the costs of cheaper repairs from your own pocket.

How to get cheaper car insurance at 19 years old

  • Choose a cheaper car. Scroll up to see our list of cheapest cars to insure.
  • Add a named driver. A more experienced driver added onto your policy will often reduce your premium.
  • Take your ‘Pass Plus’ course. This course teaches advanced skills not taught during driving lessons, such as driving at night or on the motorway. Most insurers offer a discount to motorists with a ‘Pass Plus’ certificate.
  • Add a telematics box. A telematics box tracks your driving activity and pass the information on to your insurer, so they can confirm you’re a safe driver. Most insurers will offer you a discount if you agree to this.
  • Increase your voluntary excess. Agree to contribute more to the cost of a claim, and your insurer will usually cut your premium.
  • Add additional safety measures. If you can make your car safer, most insurers will be happy to reduce your premium.
  • Avoid unnecessary modifications. Modifications such as a spoiler or an expensive sound system can send your premium skyrocketing. These items are expensive, and your insurer will factor in the cost of replacing them when calculting your premium.

The bottom line

If you’re 19 years old, it’s worth shopping around for the best car insurance deal. Doing so could potentially save you hundreds of pounds. Hopefully, this guide will make the process easier for you.

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