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.
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.
| Make | Model | Age | Average price | - |
|---|---|---|---|---|
| Ford Fiesta | 1.1L Zetec Ti-VCT 5dr | 19 | £1692 | Get Quote |
| SEAT Ibiza | 1.0 TSI XCELLENCE 5dr | 19 | £1893 | Get Quote |
| Hyundai i10 | 1.0 Se 5dr Hatchback | 19 | £1532 | Get Quote |
| Volkswagen Polo | 1.2 S 5d | 19 | £1481 | Get Quote |
| Toyota Aygo | 1.0 VVT-i X-Press 5dr | 19 | £1847 | Get Quote |
| Peugeot 108 | 1.2 PureTech Allure 5dr Petrol Hatchback | 19 | £1974 | Get Quote |
| Citroen C1 | 1.2 PureTech Flair 5dr | 19 | £1974 | Get Quote |
| Skoda Fabia | 1.0 MPI 75 Colour Edition 5dr | 19 | £1584 | Get Quote |
| Dacia Sandero | 1.0 SCe Ambiance 5dr | 19 | £1638 | Get Quote |
| Vauxhall Corsa | 1.4i ecoTEC Design 5dr | 19 | £1745 | Get Quote |
| Vauxhall Adam | ENERGISED 1.2 3dr | 19 | £1935 | Get Quote |
| Kia Rio | 1.0 T-GDi 2 5dr | 19 | £1847 | Get Quote |
| Renault Twingo | 0.9 TCE Iconic 5dr | 19 | £1847 | Get Quote |
| Ford KA | 1.2 85 Zetec 5dr | 19 | £1745 | Get Quote |
| Volkswagen UP | 1.0i Up 5dr | 19 | £1692 | Get Quote |
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.
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.
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.
As well as paying for their car insurance, you’ll need to make sure you have the money available to cover the following costs.
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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