Car Insurance for 22-Year-Olds | Bankrate

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How much is car insurance for a 22-year-old?

The average monetary value of car indemnity for a 22-year-old driver on their own full coverage policy is $ 2,745 per year according to premium data provided by Quadrant Information Services, which equates to about $ 229 per calendar month. As you gain more experience behind the bicycle, and have no at-fault accidents or moving violations, you may see your car insurance rates gradually decrease. Bankrate ’ south sample profile for a 22-year-old driver represents a 22-year-old with their own policy, who rents rather than owns their own home. Because many 22-year-olds might have moved out of their parents ’ home and are living on their own, but may not own a home however, these rates are generally helpful and representative of this age group. Drivers under age 25 are broadly considered to be relatively inexperienced by most indemnity companies and are much charged a higher agio to compensate for the greater risks they present. In general, the older you get — assume you are able to maintain a cleanse drive record — the lower your bounty will be .

Average car insurance costs for 22-year-old males and females

Gender is one of several factors that policy companies normally use to determine your premium ( except in states where this rate component is prohibited ). statistically, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents ( DUIs ) and — most importantly — have less good accidents than men. so all early things being equal, women much pay less for car insurance than their male counterparts, according to the Insurance Information Institute .

Average annual full coverage premium for 22-year-old male Average annual full coverage premium for 22-year-old female
$2,913 $2,578

In seven states, insurance companies are barred from using sex when calculating premium. In most areas of the U.S., however, your gender will be among the rat factors that affect how much you pay for policy .

Average car insurance cost for 22-year-olds by state

insurance rates vary by state, indeed knowing both the national average premium for your senesce group ampere well as your state of matter ’ south average premium can be helpful for the sake of comparison. Along with unlike regulations surrounding insurance in every state, each individual ZIP code has varying rates of collisions, fomite thefts and costs for repairs. All of these factors determine the average rates quoted in each state .

State Average annual full coverage premium for 22-year-old male Average annual full coverage premium for 22-year-old female Overall average annual full coverage premium
Alabama $3,121 $2,676 $2,899
Alaska $2,871 $2,398 $2,627
Arizona $2,703 $2,443 $2,570
Arkansas $3,341 $2,834 $3,092
California* $3,238 $3,218 $3,228
Colorado $3,383 $2,939 $3,161
Connecticut $3,030 $2,517 $2,769
Delaware $2,986 $2,675 $2,831
Florida $4,359 $3,943 $4,148
Georgia $3,741 $3,102 $3,426
Hawaii* $1,274 $1,272 $1,273
Idaho $2,012 $1,751 $1,882
Illinois $2,751 $2,365 $2,556
Indiana $2,377 $2,037 $2,207
Iowa $2,143 $1,850 $1,996
Kansas $2,951 $2,571 $2,758
Kentucky $4,105 $3,470 $3,788
Louisiana $4,678 $4,108 $4,390
Maine $1,597 $1,354 $1,476
Maryland $3,230 $2,703 $2,966
Massachusetts* $1,719 $1,719 $1,719
Michigan* $4,171 $4,159 $4,165
Minnesota $2,789 $2,496 $2,643
Mississippi $2,996 $2,531 $2,763
Missouri $3,002 $2,574 $2,788
Montana* $3,006 $2,996 $3,001
Nebraska $2,559 $2,176 $2,368
Nevada $3,921 $3,391 $3,656
New Hampshire $2,204 $1,796 $2,000
New Jersey $3,281 $2,809 $3,045
New Mexico $2,499 $2,192 $2,348
New York $3,831 $3,258 $3,542
North Carolina* $1,559 $1,559 $1,559
North Dakota $2,175 $1,825 $1,995
Ohio $2,132 $1,801 $1,967
Oklahoma $3,074 $2,727 $2,903
Oregon $2,284 $2,056 $2,173
Pennsylvania* $2,735 $2,735 $2,735
Rhode Island $3,311 $2,809 $3,060
South Carolina $2,693 $2,320 $2,506
South Dakota $2,682 $2,361 $2,522
Tennessee $2,546 $2,169 $2,358
Texas $3,469 $2,784 $3,126
Utah $2,374 $2,069 $2,221
Vermont $2,168 $1,866 $2,021
Virginia $2,426 $2,027 $2,226
Washington, D.C. $3,208 $2,720 $2,989
Washington $2,177 $1,869 $2,023
West Virginia $2,714 $2,345 $2,530
Wisconsin $2,035 $1,809 $1,922
Wyoming $2,658 $2,136 $2,397

*These states do not allow insurers to rate consumers differently based on sex .

Best car insurance companies for 22-year-olds

car insurance companies vary greatly, not only in the rates charged, but in the coverage types, discounts, policy features offered and corresponding third-party rankings. Bankrate ’ s insurance editorial team reviewed the best cable car policy carriers by commercialize share in the nation. Our criteria included third-party customer gratification scores and fiscal military capability ratings. If you are in the market for the best car indemnity for 22-year-old drivers, comparing quotes from these four major providers will give you an theme of how rates vary based on your circumstances :

Car insurance company Average annual full coverage premium for 22-year-old males Average annual full coverage premium for 22-year-old females Overall average annual full coverage premium
American Family $2,722 $2,405 $2,563
Geico $2,181 $1,985 $2,083
State Farm $2,455 $2,141 $2,298
USAA $1,893 $1,733 $1,813

American Family

American Family, normally known as AmFam, has the highest premiums among the insurers on our list, but its overall modal agio is still cheaper than the national average for 22-year-olds. The ninth-largest U.S. car insurance company based on market share according to the Insurance Information Institute ( Triple-I ), AmFam offers some alone discounts that could help you save, including a young volunteer dismiss and a generational rebate, which you may be able to take advantage of if your parents are insured with AmFam. You can tailor your policy with optional coverages, such as accidental end and dismemberment coverage or col coverage. AmFam is fiscally sound and carries an A ( Excellent ) fiscal lastingness rat from AM Best.

Learn more: american Family Insurance reappraisal


Geico ’ s low average rates are already competitive, but the second-largest U.S. car insurance company besides has one of the most comprehensive lists of available discounts in the industry. 22-year-olds may be able to save extra money by taking advantage of discounts including good student, military and federal employee and vehicle guard equipment. however, keep in mind that Geico does not offer break policy, so if you want break coverage, you ’ ll have to purchase it from a rival. Geico carries an A++ ( Superior ) fiscal intensity rate from AM Best, the highest charge potential. Learn more: Geico Insurance review

State Farm

state farm, the largest U.S. car insurance company with 16.2 % market parcel according to the Triple-I, may appeal to 22-year-old drivers who respect working with a local policy agent in-person. The caller has over 19,000 exclusive agents nationally, making it probable you have a local State Farm representation nearby. You might be able to lower your premium further with the company ’ s Steer Clear safe driving telematics program that tracks your driving habits, or by being a good scholar that maintains a b average or better. State Farm besides offers respective other indemnity products, if you are looking to expand your fiscal security, including home, condominium and renters coverage, and provides extra bank services. however, with the second-highest premiums on our list, State Farm may not be the best choice for budget-conscious 22-year-old policyholders. AM Best rates State Farm A++ ( Superior ) for its fiscal persuasiveness. Learn more: State Farm Insurance review


USAA, the seventh-largest U.S. car insurance company, is known for its competitive premiums and high-quality customer service, but one drawback may be that the company only sells indemnity to active-duty military, veterans and their stipulate family members. If you qualify for membership, USAA provides a few advantages to consider. In summation to low premiums, the company offers numerous discounts for 22-year-olds, including safe driving, full student and owning a new car. USAA carries an A++ ( Superior ) fiscal force rate from AM Best. Learn more: USAA Insurance review

Cheapest car insurance for 22-year-olds

22-year-olds are much merely starting out and establishing autonomous lives. Rent or mortgage payments, utility bills, car loanword payments and student lend payments may cause these young adults to operate on a hard-and-fast budget. If you ’ ra looking for the cheapest cable car indemnity companies, the following major providers offer average rates that are below the national average for 22-year-olds :

Car insurance company Average annual full coverage premium for 22-year-old males Average annual full coverage premium for 22-year-old females Overall average annual full coverage premium
USAA $1,893 $1,733 $1,813
Erie $2,035 $1,773 $1,904
Geico $2,181 $1,985 $2,083
Nationwide $2,321 $2,083 $2,202
Auto-Owners $2,347 $2,099 $2,223

regardless of the average rate for 22-year-olds, keep in judgment that cable car policy premiums are personalized. Your individual evaluation factors will ultimately determine how a lot you pay. Your option of vehicle, the level of coverage you purchase and your driving history will all be factored into your premium, so you might pay more or less than these average premiums .

How to save on car insurance for 22-year-olds

While the average cost of car indemnity for 22-year-olds tends to be higher than it is for older drivers, there are several ways you may be able to lower your car indemnity pace .

Maintain a good driving record

One of the best ways to keep your policy premium gloomy is to avoid at-fault accidents and traffic violations. The more accidents and moving violations you have on your motor fomite phonograph record, the higher your bounty is likely to be. Practicing dependable driving habits not alone keeps you, your passengers and those around you safe, it can help keep your car indemnity premiums low. Since some insurers offer good drive discounts, safe drive is foster incentivized .

Get good grades

many policy companies offer discounts for teens and young adults if they have good grades in senior high school school or as full-time college students. You will likely have to present a late degree menu to your insurance company to qualify for this discount. Every company has different requirements, indeed be certain to ask your insurance company if you qualify .

Go to college without a car

If you are a college student living aside from home, you may qualify for a rebate on your car indemnity policy if you choose to leave your car behind. Most companies dictate how many miles you must be away from base in ordering to qualify for this discount. For exercise, you may need to be going to a school that is at least 100 miles from your home address in ordering to qualify .

How to get the best car insurance for a 22-year-old

Understanding the factors that affect your car policy as a 22-year-old is an significant first base step to finding the best bum car insurance for your needs. Shopping around, taking advantage of discounts and practicing safe driving skills may help you to find and maintain a low car insurance rate. Working with a accredited indemnity agent to help you determine what coverages are appropriate for your situation can besides help you strike the balance between buying adequate policy protection and staying in your budget .

Frequently asked questions

What is the best car insurance company?

The best policy caller will depend on each specific driver and their needs. Since everyone has different personal characteristics and considerations that affect their car indemnity rate and coverage needs, no one company will be the best for every 22-year-old driver. For this argue, knowing what matters to you most before you begin shopping for coverage may help you choose the correctly car indemnity company. Working with a license insurance agentive role and obtaining quotes from multiple insurers may help you find the best car insurance company for you .

Can a 22-year-old be added to their parents’ insurance policy?

If the 22-year-old driver still lives in the same family as their parents, policy companies may request that they be included on their parents ’ policy. Students away at college and live on campus are generally inactive considered to be a depart of the same family, if their permanent address is their parents ’ home address. however, if the 22-year-old driver moves out of their parents ’ family and establishes their own permanent wave residence, they will probably need to obtain their own car policy policy as well .

Does the type of car I drive impact my insurance rates?

The type of car you drive can impact your car insurance rate. indemnity companies will review numerous factors including the year, make, model, trim degree and market value of your vehicle when calculating a premium. other potential factors include the crashworthiness of a vehicle based on available base hit data, the likelihood of it being stolen, ampere well as the costs of surrogate parts and tug in your area .

How fast can I get car insurance?

If you are certain that you have found the best car indemnity for your needs, the summons of purchasing a policy can move identical cursorily. By having all the necessity information and documents in position, it is possible to have a car indemnity policy in home cursorily after receiving the quotation mark, sometimes the like day. however, besides keep in mind that although many companies offer on-line quotes and applications, you may besides be required to contact a company representative or local policy agent to purchase the coverage .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 22-year-old male and female driver with a uninfected drive record, good credit and the be fully coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each express ’ randomness requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a week, drive 12,000 miles annually and have a renters policy policy.

These are sample rates and should merely be used for relative purposes. Gender: Seven states prohibit insurers from using sex as a determining divisor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( root : 40 years ) applied. Depending on historic period, drivers may be a renter or homeowner. Two states prohibit insurers from using age as a rate factor : Hawaii and Massachusetts

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