Cheap Auto Insurance Quotes for 19 Year Olds in Indiana

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article. The fact is, cheap car insurance for 19 year olds can seem impossible to find. But fear not, because we will teach you how you can quote and buy insurance that doesn’t break your budget.

Finding dependable, affordable auto insurance is easier said than done, and figuring out which company offers the best car insurance rates for 19 year olds calls for additional perseverance. Policy prices could be quite a bit more than the state average, with the increase attributed to the additional risk that comes with selling coverage for teenage drivers, but reasonable insurance should be possible if you thoroughly shop around. Each auto insurance company uses their own method for setting prices, so we’ll go over the most budget-friendly car insurance companies in Indiana.

It’s important to understand that Indiana car insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Simply having another birthday, having a teenage driver, or getting a reckless driving citation can cause premium changes that can cause some rates to be higher-priced than before.

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Travelers generally has some of the best car insurance rates in Indiana at around $596 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the most economical Indiana insurance companies.

In the above rates, if you are a customer of USAA and switched to Travelers, you might realize yearly savings of in the vicinity of $71. Drivers with Erie may save as much as $130 a year, and Western Reserve customers might realize rate reductions of up to $250 a year.

If you want to find out if you’re overpaying, click here to start your free quote or visit several of the following companies.

Bear in mind that those policy prices are averages for all types of insureds and vehicles and and are not calculated with a rate surcharge for 19 year olds. So the company that fits you best may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.

For teenage drivers, one of the largest things that help determine the price you pay for insurance is where you live. Densely populated urban areas like Gary, Merrillville, and Portage tend to pay slightly more, whereas cities that are not as densely populated have the benefit of cheaper auto insurance prices.

The next table rates the most costly cities in Indiana for 19 year olds to buy auto insurance in.

Premium costs are estimated as specific Indiana zip code can impact price quotes substantially.

How violations and accidents impact rates

The common sense way to enjoy cheap car insurance premiums for teenage drivers is to drive safely and not receive tickets or have accidents. The chart below demonstrates how speeding tickets and at-fault claims can raise auto insurance costs for each age group. The costs are based on a single male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,613. Get written up for one speeding ticket and the average cost surges to $1,816, an increase of $203 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for 19 year olds jumps again to an average of $2,388. That’s an increase of $774, or $65 per month, just for not paying attention while driving!