$19 Car Insurance

If you have been online recently looking for the cheapest car insurance, you’ve surely noticed a bunch of ads touting $19 car insurance. The ads are all over and cause shoppers to wonder if car insurance for $19 a month is even possible.  

If you do a search query on Google like the “cheapest possible car insurance” or the “lowest monthly car insurance rate”, you will be hit with many ads claiming $19 car insurance. The truth is it’s almost impossible to get $19 car insurance. Why, you might ask? The reality is the coverage minimums in most states will push the monthly payments well above $19. 

In addition to this, most states, like California, have seen sharp auto insurance rate hikes in recent months as inflation has severely impacted the industry. So your odds are close to 0% of getting $19 car insurance.  

Is it possible to get $19 Car Insurance in Florida? 

Florida is one of the few states where you can get super cheap car insurance and get your monthly payments closer to $19. Personal Injury Protection or PIP minimum requirements in Florida are only $10,000. The Property Damage Liability limits are also $10,000. This means Florida has really basic minimum liability requirements to insure a vehicle. This allows some drivers to get rates close to $19 per month, but in reality, it will probably be a lot more.  

The average rate Floridians pay for minimum car insurance coverage is $1,128, or $94 per month. That’s cheap compared to other states but a far cry from $19 a month car insurance.

To increase your chances of finding car insurance for $19 per month, it is crucial to compare multiple quotes. You can easily start comparing quotes in your area just by entering your ZIP code below and completing a simple and fast online application.

Can Drivers Under 25 Get Car Insurance for $19 a Month?

If you’re a young driver under 25, you’re probably frustrated at paying $200 or more for car insurance each month. Imagine then seeing ads online claiming $19 car insurance. You might get excited and think there might be a chance. 

The reality is, it’s impossible for young motorists under 25 to get their vehicle covered for $19 a month.

This group of drivers have the most accidents and take the greatest risks behind the wheel, like texting and racing. Insurers consequently charge them more. Also, many younger drivers finance their vehicles, which often come with required comprehensive auto insurance coverage, which is way more than $19 a month. 

Understanding $19 Car Insurance

It is important to scrutinize the fine print of an offer for $19 auto insurance in order to determine if it adequately meets a driver’s coverage needs. More than often, car insurance for $19 a month will not give a driver enough protection if he or she gets into a major accident.  

Looking at all the clauses related to discounts (or lack thereof), exclusions, co-pays or deductibles is important. It may help drivers anticipate long-term risks that could result from opting for budget-friendly $19 car insurance plans.

Factors That Can Impact Your Auto Insurance Premiums

Premiums can vary a lot between different carriers. There are many factors that all need to align in order for you to get $19 auto insurance. Here are some common factors that will affect car insurance premiums:

1. Type of Car – The type of car a person drives will impact their premium a lot. Rates are typically higher for luxury and sports cars because they can be pricier to repair or replace compared to a traditional sedan.
2. Driving Habits – How often, where, and how far someone drives on a regular basis can strongly influence their car insurance costs. Higher mileage may indicate greater risk, while safer driver habits (e.g., avoiding night driving) could lower the cost of one’s policy.
3. Demographics – Age, gender, and location, including rural vs. urban areas, all play into what kind of rate an individual might receive from a specific carrier when shopping around for the cheapest coverage.
4. Coverages & Deductibles – Depending on what coverages and deductibles an individual selects for their policy, prices may fluctuate accordingly due to the amount of protection a driver chooses, along with the associated deductible amounts. A higher deductible will reduce monthly payments, although it also incurs additional out-of-pocket expenses.
5. Credit Score – For many insurers, the credit score reflects riskiness in terms of financial responsibility. Having a good credit score can make you more attractive to providers who offer discounts which might offset other contributing criteria not quite in your favor, such as young age or higher miles driven seasonally. 

Pros And Cons Of $19 Car Insurance

Though there are some benefits of buying $19 car insurance, it’s important to be aware of the risks and limitations associated with this type of  “bare bones” coverage.  

Benefits Of $19 a Month Auto Insurance 

Cheap coverage like $19 a month auto insurance can be an attractive option for drivers on a tight budget. It can offer some advantages, such as simplified underwriting for insurance and minimal coverage options, that makes it less expensive than other forms of coverage like comprehensive. 

For instance, according to Forbes Advisor, USAA offers the cheapest national coverage at just $31 per month, and State Farm has the cheapest liability-only rate at only $34 per month. While it’s not $19 a month auto insurance, that’s pretty darn close. 

Even if you decide not to purchase a “bare bones” $19 a-month type of auto insurance policy, there are still lots of ways to save. Shopping around is a must, and could result in hundreds of dollars saved yearly.

Risks And Limitations Of Opting For $19 Car Insurance 

1. Cheap liability-only policies like $19 car insurance provide less coverage and are much riskier if you get into a wreck. 
2. Limited coverage could potentially leave drivers at risk of underinsured motorist losses in the event of an accident or theft.

Before deciding whether or not to purchase a low-cost auto insurance policy, drivers need to consider their personal risk profile as well as the amount of risk they can tolerate, given their income level and financial situation. This will allow them to make a fully informed decision about what type of policy best fits their needs without putting themselves at further risk both financially & medically in case of an accident. 

Conclusion: Is $19 Car Insurance The Right Choice For You?

Ultimately the decision of whether or not to opt for a low-cost car insurance policy depends on a person’s individual needs and circumstances. In some cases, opting for $19 car insurance might be an affordable solution that provides enough coverage. However, as stated earlier, it’s almost impossible to find $19 auto insurance.

It’s important to consider all the factors at play in order to make an informed decision on super cheap auto insurance policies. There are risks associated with selecting budget forms of car insurance, such as only providing minimal coverage that could leave you exposed after a serious accident. 

Shop online for $19 car insurance and see how easy it is to save. To start, just enter your zip code and fill out a five-minute application. Save more on the affordable coverage you need.