How much does car insurance cost for a 20-year-old?
According to our data, a 20-year-old driver should expect to pay around $ 86 per month for a minimal liability car indemnity policy and $ 364 a calendar month for full-coverage cable car indemnity. Rates are typically high until you turn 25, when they drop off well. At that point, your rates gradually decrease as you old age until you become a senior citizen, then they ‘ll rise again .
Although 20-year-old drivers pay more than people with more have on the road, they pay significantly less than adolescent drivers .
Car insurance rates by state
Besides long time, one of the biggest factors that determine your car indemnity cost estimates is where you live. car policy requirements vary on a state level. States with the cheapest minimal liability policies tend to have lower coverage requirements and are besides less densely populated .
here are monthly cable car policy quotes for a 20-year-old in each state :
| State | Minimum coverage | Full coverage |
|---|---|---|
| Alabama | $154 | $320 |
| Alaska | $113 | $239 |
| Arizona | $281 | $518 |
| Arkansas | $159 | $366 |
| California | $119 | $283 |
| Colorado | $309 | $356 |
| Connecticut | $269 | $521 |
| Delaware | $270 | $545 |
| District of Columbia | $393 | $433 |
| Florida | $214 | $736 |
| Georgia | $196 | $380 |
| Hawaii | $62 | $141 |
| Idaho | $105 | $223 |
| Illinois | $204 | $444 |
| Indiana | $103 | $230 |
| Iowa | $100 | $242 |
| Kansas | $109 | $263 |
| Kentucky | $275 | $563 |
| Louisiana | $243 | $655 |
| Maine | $87 | $186 |
| Maryland | $234 | $448 |
| Massachusetts | $135 | $348 |
| Michigan | $308 | $581 |
| Minnesota | $191 | $380 |
| Mississippi | $189 | $375 |
| Missouri | $164 | $367 |
| Montana | $105 | $267 |
| Nebraska | $105 | $233 |
| Nevada | $319 | $549 |
| New Hampshire | $156 | $347 |
| New Jersey | $164 | $359 |
| New Mexico | $135 | $289 |
| New York | $419 | $776 |
| North Carolina | $58 | $114 |
| North Dakota | $96 | $307 |
| Ohio | $102 | $236 |
| Oklahoma | $142 | $293 |
| Oregon | $216 | $363 |
| Pennsylvania | $134 | $334 |
| Rhode Island | $306 | $584 |
| South Carolina | $186 | $351 |
| South Dakota | $92 | $313 |
| Tennessee | $126 | $297 |
| Texas | $204 | $449 |
| Utah | $151 | $271 |
| Vermont | $83 | $216 |
| Virginia | $140 | $300 |
| Washington | $201 | $346 |
| West Virginia | $133 | $327 |
| Wisconsin | $100 | $222 |
| Wyoming | $68 | $286 |
| National average | $175 | $364 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Car insurance costs by company
At $ 138 per calendar month, we found that State Farm offers the cheapest full-coverage car insurance rates for a 20-year-old driver out of the major insurers. If you do n’t mind receiving protection from a smaller company, Country Preferred is an low-cost option but is only available in choice states .
USAA has the cheapest minimum-coverage policy and one of the cheapest full-coverage plans. however, you can merely qualify for a policy if you or person in your family is an active or veteran military member .
| Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $138 | $270 |
| American Family | $200 | $337 |
| Progressive | $193 | $374 |
| GEICO | $175 | $386 |
| Allstate | $173 | $398 |
| Farmers | $261 | $404 |
| Nationwide | $262 | $497 |
| Travelers | $295 | $625 |
| USAA | $91 | $196 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Minimum coverage | Full coverage |
|---|---|---|
| Country Preferred | $99 | $189 |
| Erie | $115 | $227 |
| Farm Bureau | $129 | $280 |
| MetLife | $166 | $349 |
| CSAA | $216 | $442 |
| Auto-Owners | $215 | $580 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Compare car insurance quotes to find the best rates for drivers your age.
Best car insurance for 20-year-olds
Auto-Owners is the best overall-rated car insurance ship’s company, but has one of the most expensive policies for a 20-year-old driver. USAA, which is an excellent choice for military families, has some of the most low-cost rates and besides receives highly cocksure customer gratification ratings.
| Company | J.D. Power 2020 U.S. Auto Claims Satisfaction Study (higher is better) | NAIC Complaint Index 2020 (lower is better) |
|---|---|---|
| Allstate | 876 | 1.03 |
| American Family | 862 | 1.46 |
| Auto-Owners | 890 | 0.64 |
| Country Preferred | 863 | 0.17 |
| CSAA | 862 | 1.05 |
| Erie | Not available | 1.32 |
| Farm Bureau | Not available | 0.34 |
| Farmers | 872 | 1.1 |
| GEICO | 871 | 0.79 |
| MetLife | 886 | 1.45 |
| Nationwide | 876 | 0.48 |
| Progressive | 856 | 0.88 |
| State Farm | 881 | 0.7 |
| Travelers | 861 | 0 |
| USAA | 890 | 1.2 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
How to get the most affordable car insurance quotes
Discounts
There are plenty of discounts for which young drivers may be eligible. hera are a few examples :
- Good student discount: If you’re a college student with good grades, you may be eligible for a good student discount. If your insurer offers it, you may need to provide proof of your grade-point average, usually a B or better.
- Defensive driving classes: Some states require you to take a defensive driving course to obtain your license. Whether you take and pass a defensive driving class for your state requirements or just to be safer on the road, you may be eligible for a discount through your insurer.
- Resident student discount: This is another discount aimed at college students. For students who attend school more than 100 miles from home, your insurance company may offer a discount.
Think about staying on your parents’ insurance policy
You may be able to stay on your parents ’ cable car indemnity policy, which is a great way to save money on car insurance when you ‘re 20. Our research found that sharing a policy with your parents can cut your rates in half .
Compare auto insurance rates
Remember, your rates may vary quite a piece depending on several things. This includes where you live, how a lot coverage you want, what kind of car you drive, and more. The best room to find your ideal company is to compare quotes .
Consider when to file a claim
Age is a huge factor in your car insurance rates, but it ‘s not the alone one. To make surely your rates continue to decline, keep off traffic violations, maintain a good credit sexual conquest and try to limit the count of claims you file .
Getting into even one accident or receiving one moving misdemeanor can have a frightful impact on your score. On average, your rates can go up by an modal of 40 % after having an at-fault accident. For speeding tickets, premiums increase by around 26 %. The best way to ensure these rates do n’t follow you around is to wait three to five years until they fall off your phonograph record .
Regularly evaluate your insurance needs
Is your car at home or in repositing ? Have you not been driving american samoa much ? Consider if the sum of coverage you presently have is appropriate for your needs. Drivers who do n’t bring their car out arsenic much can consider reducing their insurance limits, asking about away-from-home or storage discounts or see if a telematics plan like pay-per-mile would be a better suit .
Methodology
We analyzed thousands of quotes from all 50 states and the District of Columbia. The rates from the 20 most populate ZIP codes in each of these areas were compiled.
Read more: The Best Car Insurance Companies for 2022
We considered the following 15 companies : State Farm, American Family, Progressive, GEICO, Allstate, Farmers, Nationwide, Travelers, USAA, Country Preferred, Erie, Farm Bureau, MetLife, CSAA and Auto-Owners .
Quotes are based on a combination of minimum coverage and full coverage to get an accurate snapshot of rates. The minimum-coverage plan varied according to the state legal requirements. The full-coverage plan has 100/300/100 coverage limits, with 100/300 UM/UI, plus comprehensive examination and collision coverages with a $ 500 deductible .
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