The national average cost of policy is $ 1,555. many factors will affect the price of your car indemnity, with age being one of the most significant factors. cable car insurance for a 22-year-old driver is typically higher because younger drivers have less driving experience. Although you can ’ thymine change your age, you can save money by choosing the right insurance party and taking advantage of discounts. This article explores rates, rate impacts and discounts for 22-year-old drivers .

Car insurance for 22-year-olds

22-year-old drivers will see importantly higher rates than the national average. The average cost for this senesce group is $ 2,716 — closely double the national average of $ 1,555 per year. Despite being high, this rate is actually a dramatic improvement from the average monetary value of cable car policy for a adolescent driver, which costs $ 4,048 for a male and $ 3,819 for a female when added to a parent ’ south policy, and $ 5,335 on average for 18-year-olds on their own policy. overall, you ’ ll comment that your car insurance premiums drop in price as you get older and have more tug experience under your knock.

$ 2,716 The average annual price for this long time group is

22-year-old car insurance rates: male vs female

Female drivers typically pay less for car policy than males, specially in the earlier years. Younger male drivers are statistically more likely to speed or drink alcohol and die in closely three times more car crashes than females. therefore, premium monetary value differences between genders are high when drivers are young. As drivers approach the historic period of 30, the col gradually closes. At 22 years previous, the opening accounts for about $ 300 .

Annual rate for 22-year-old

Gender Average annual rate for 22-year-olds
Female $2,592
Male $2,839

quadrant information services, 2020

How much is car insurance for 22-year-olds in my state?

The price of car insurance for a 22-year-old male or female can vary significantly from one country to another. Each state has its own liability amounts and requirements, which could affect the cost of car indemnity. Take a look at the table for a promptly view at how much car policy can vary by state of matter .

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

State Average annual rate for 22-year-old female Average annual rate for 22-year-old male Overall average annual rate for 22-year-old
Alaska $2,385 $2,840 $2,613
Alabama $2,001 $2,300 $2,151
Arkansas $1,990 $2,266 $2,128
Arizona $2,238 $2,514 $2,376
California $2,671 $2,747 $2,709
Colorado $2,258 $2,519 $2,388
Connecticut  $2,776 $3,162 $2,969
District of Columbia $2,583 $3,023 $2,803
Delaware  $2,646 $2,889 $2,768
Florida  $3,466 $3,774 $3,620
Georgia $2,331 $2,638 $2,485
Hawaii $1,127 $1,130 $1,129
Iowa $1,503 $1,679 $1,591
Idaho $1,418 $1,590 $1,504
Illinois $2,241 $2,600 $2,421
Indiana $1,663 $1,931 $1,797
Kansas $2,005 $2,254 $2,129
Kentucky  $2,467 $2,756 $2,612
Louisiana  $3,567 $3,890 $3,728
Massachusetts $1,966 $1,966 $1,966
Maryland $2,909 $3,490 $3,199
Maine $1,012 $1,140 $1,076
Michigan $5,091 $5,135 $5,113
Minnesota $2,190 $2,447 $2,318
Missouri $2,290 $2,559 $2,424
Mississippi $2,111 $2,424 $2,267
Montana $2,054 $2,057 $2,055
North Carolina $1,346 $1,344 $1,345
North Dakota $1,826 $2,163 $1,995
Nebraska  $1,733 $1,934 $1,834
New Hampshire  $1,735 $2,018 $1,877
New Jersey $3,366 $3,896 $3,631
New Mexico $1,933 $2,122 $2,027
Nevada $3,318 $3,706 $3,512
New York $4,177 $4,641 $4,409
Ohio $1,436 $1,601 $1,518
Oklahoma  $2,166 $2,433 $2,299
Oregon  $1,980 $2,123 $2,051
Pennsylvania  $2,519 $2,517 $2,518
Rhode Island $2,701 $3,012 $2,856
South Carolina  $1,859 $2,087 $1,973
South Dakota $1,933 $2,176 $2,054
Tennessee $1,754 $1,948 $1,851
Texas $3,077 $3,519 $3,298
Utah  $1,843 $2,049 $1,946
Virginia $1,539 $1,783 $1,661
Vermont $1,355 $1,540 $1,447
Washington $1,580 $1,814 $1,697
Wisconsin $1,628 $1,801 $1,714
West Virginia $2,211 $2,561 $2,386
Wyoming $1,994 $2,529 $2,262

quadrant data services, 2020

Most expensive states for car insurance for 22-year-olds

According to the Quadrant datum findings, the five most expensive states for car insurance for 22-year-old are :

  1. Michigan ($5,113)
  2. New York ($4,409)
  3. Louisiana ($3,728)
  4. New Jersey ($3,631)
  5. Florida ($3,620)

These states are the most expensive due to the number of accidents, population concentration and early unique factors. Michigan, New York and New Jersey are no-fault states, which have caused indemnity rates to increase dramatically. Besides liability policy, the country requires all drivers to have personal injury protection to pay for an inexhaustible amount of medical benefits. Louisiana ’ mho rates are among the highest because of the many vehicle-related lawsuits and payouts. Florida ’ randomness car insurance rates are high because of the number of uninsured drivers, who represent a quarter of the drivers in the express .

Least expensive states for car insurance for 22-year-olds

The findings indicate the five least expensive states are :

  • Maine ($1,076)
  • Hawaii ($1,129)
  • North Carolina ($1,345)
  • Vermont ($1,447)
  • Idaho ($1,504)

The least expensive states are less populated, which means fewer accidents and claims. Lower population concentration, number of drivers and accident statistics mean lower rates. Although Maine, Vermont and Idaho have cold winters, drivers in the state don ’ metric ton have excessively many losses or damages from snow and internal-combustion engine .

Car insurance rates by insurance carrier for 22-year-olds

Breaking down car insurance for 22-year-old drivers by insurance company shows which companies are the most low-cost for younger drivers. The cheapest cable car insurance for 22-year-old male and female drivers is from Erie, USAA and Geico, with The Hanover being the most expensive option by a substantial margin.

Erie and Geico are both great options for 22-year-old drivers. Both companies are known for effective customer service and enough of policy options and discounts. USAA is besides excellent, but is entirely available to active duty or retire military and their kin members who become members. Compare the average cost of car indemnity for a 22-year-old driver by indemnity supplier and sex in the table below. Use the figures as a guidepost, but always get several quotes to find the best insurance company for your specific needs .

Company Average annual rate for 22-year-old female Average annual rate for 22-year-old male

Overall average annual rate for 22-year-olds
Erie $1,601 $1,834 $1,717
USAA $1,816 $1,992 $1,904
GEICO $2,079 $2,214 $2,147
Nationwide $2,235 $2,512 $2,374
Travelers $2,548 $2,833 $2,690
AAA $2,662 $2,721 $2,691
Progressive $2,647 $2,834 $2,740
Allstate $2,888 $3,177 $3,032
State Farm $2,900 $3,326 $3,113
Farmers $3,382 $3,691 $3,536
MetLife $3,403 $3,874 $3,639
The Hanover $7,167 $7,753 $7,460

How to get cheap car insurance for 22-year-olds

There are a few ways you can save on your car policy when you ’ ra 22. Consider the following ideas :

Choose the right car

Sports cars and SUVs are typically more expensive to insure than a Honda Civic, for model. Look for vehicles that have high crash test ratings and good driver base hit equipment — such as airbags — to reduce the monetary value of your car policy. A hybrid or covenant car is a good option .

Look for discounts

Do you know you can save 25 % off your car policy equitable by paying your bills early or parking your car in a cover garage ? Some of the most coarse car indemnity discounts include :

  • Automatic payments
  • Good student
  • Safety features
  • Multi-policy insurance coverage
  • Low mileage
  • Pay-in-full

Sign up for a defensive driving course

A new driver ’ mho car indemnity is higher because newfangled drivers are statistically more prone to accidents due to lack of driving experience. One way to compensate is to sign up for a defensive drive safety course. Most are on-line and take a few hours to complete, but passing one can help you get a dismiss on your car indemnity .

Raise your deductible

Consider raising the deductible measure you ’ five hundred pay out of pocket if you file a claim to lower your indemnity premiums. You will see the highest savings on your monthly bounty by raising your deductible on collision coverage but remember that if you ’ re in an accident or need to file a claim for damage, you ’ ll have to pay the higher deductible amount out of pouch .

Car insurance rates for 22-year-olds with good student discount  

The good scholar discount offers significant savings for 22-year-olds if inactive enrolled in college or alumnus school. In this historic period compass, you can save an average of 7 % per year on policy by taking advantage of a good student deduction : Rate with discount: $ 2,530 Rate without discount: $ 2,716 Savings: 7 %

In what states does the good student discount save you the most?

Students will see the highest savings with the effective scholar rebate in the states of Wyoming, Minnesota, Maine and Vermont. There are a few reasons the discounts are higher in those states, including more insurers competing for your business or a concentration of scholar drivers.

Good student discount savings

State Average annual rate for 22-year-olds with discount Average annual rate for 22-year-olds without discount Savings
Wyoming $1,976 $2,262 14%
Vermont $1,282 $1,447 13%
Minnesota $2,053 $2,318 13%
Maine $954 $1,076 13%
North Dakota $1,804 $1,995 11%
Illinois $2,193 $2,421 10%
Idaho $1,370 $1,504 10%
Florida $3,304 $3,620 10%
Montana $1,878 $2,055 9%
Rhode Island $2,617 $2,856 9%

The takeaway

  • The cost of car insurance for a 22-year-old is higher than the national average, but much lower than the cost for a teen driver.
  • Car insurance for 22-year-olds can vary by state and insurance company.
  • Insurance for male drivers is more expensive than for females because young males are higher risk drivers. 
  • Discounts such as the good student discount can result in significant savings on a costly policy.

Getting cable car indemnity for young adult drivers isn ’ triiodothyronine constantly very low-cost. A 22-year-old may pay double the national average price of car indemnity. however, there are things you can do to reduce your policy premiums, such as taking advantage of good student and defensive drive path discounts. The good news is, you ’ ll see your car policy costs reduce with every evanesce year, so hang in there and stay accident-free .

Methodology 

coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of zip up codes across all 50 states including Washington D.C. Quoted rates are based on the profiles of a 22-year-old male and female, each with a clean criminal record driving a 2016 Honda Civic. The drivers had the postdate coverage details :

  • $50k bodily injury liability per person
  • $100k bodily injury liability coverage per crash
  • $50k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible 

To look at the effect of a good driver discount rate, we analyzed rates for the profile both with and without the discount applied. These rates should be used to inform your cable car policy shopping action, but note that your actual rates may differ .

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