For teenage drivers, one of the largest factors that determine the annual cost of car insurance is where you live. Larger areas like Gary, Merrillville, and Lawrence tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The table below ranks the priciest cities in Indiana for 19 year olds in which to buy car insurance.
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Prices are estimated as the specific garaging location can affect insurance rates considerably.
The car, truck, or SUV on the policy is one of the main factors when quoting affordable coverage for 19 year olds. Vehicles with reasonable performance levels, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.
The next table features coverage costs for a selection of the more afforable vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,831|
|Ford Escape XLS 2WD||$1,836|
|Hyundai Elantra GLS Touring Station Wagon||$1,831|
|Honda Accord EX 4-Dr Sedan||$1,836|
|Ford F-150 XL Super Cab 2WD||$2,023|
|Dodge Grand Caravan SE||$2,046|
|Ford Edge SEL AWD||$2,149|
|Toyota Tacoma 2WD||$2,155|
|Chevrolet Impala LT||$2,172|
|Jeep Grand Cherokee Laredo 2WD||$2,179|
|Toyota Camry LE||$2,172|
|Chevrolet Malibu LS||$2,180|
|Toyota RAV4 Limited 2WD||$2,172|
|Ford Explorer Eddie Bauer 4WD||$2,196|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$2,238|
|Honda Civic VP 4-Dr Sedan||$2,276|
|Toyota Corolla XLE||$2,300|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$2,323|
|GMC Sierra SLE Extended Cab 4WD||$2,328|
|Honda Odyssey Touring||$2,323|
|Chevrolet Equinox LTZ AWD||$2,332|
|Chevrolet Silverado LT Regular Cab||$2,337|
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Prices based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in garaging location in Indiana which can alter rates noticeably.
Looking at the rates, you can expect cars like the Honda CR-V, Ford Escape, Hyundai Elantra, Honda Accord, and Toyota Prius are most likely to be a few of the most affordable vehicles to insure for teenage drivers. The price for an auto insurance policy will be more costly because there is more claim risk for 19 year olds, but overall those models will have the cheapest rates compared to other types of vehicles.
Best insurance company in Indiana
Picking the top insurance company is hard considering how many different companies there are to choose from in Indiana. The company information shown next can help you pick which auto insurance companies you want to consider shopping your coverage with. The rankings below are only comprised of companies with a nationwide focus, so smaller regional companies are not factored into the list.
Top 10 Large Car Insurance Companies in Indiana Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
Top 10 Large Car Insurance Companies in Indiana Ranked by Customer Satisfaction
- USAA - 92%
- Erie Insurance - 88%
- American Family - 88%
- State Farm - 88%
- Nationwide - 88%
- 21st Century - 88%
- AAA Insurance - 87%
- Liberty Mutual - 87%
- Farmers Insurance - 87%
- The Hartford - 87%
The chart below shows how different deductible levels can increase or decrease insurance prices when trying to find cheap insurance for 19 year olds in Indiana. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could lower their car insurance rates by $192 a year by changing from a $100 deductible to a $500 deductible, or save $290 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could save up to $476 every year just by using higher deductibles. If you do decide to increase your deductibles, it's a good idea to have additional funds in a savings account to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Ideas for finding budget-friendly car insurance for 19 year olds
Below you'll find some of the better thrifty ideas that can help you buy low-cost coverage.
- Drive attentively and avoid accidents
- Avoid speeding and other traffic citations and pay less
- Pay for smaller claims out-of-pocket
- Drive safe vehicles
- Bundle home or renters insurance to earn a discount on car insurance
- Compare rates often to find the best deal
That last idea is extremely valuable, as was discussed in the article above. Auto insurance rates can change considerably in a year, so drivers shouldn't hesitate to switch carriers if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if that loyalty results in overpaying money that could be used for better things. Take a few minutes and shop around to find cheaper auto insurance for 19 year olds.