Erie offers the cheap car insurance rates for 21-year-old drivers at $ 170 per month, based on our analysis of thousands of rates across nine states. To ensure you ‘re getting the cheapest rate, compare car policy quotes and take advantage of discounts, as rates for 21-year-olds can vary by deoxyadenosine monophosphate much as $ 458 per calendar month .Find insurance rates by:
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How much is car insurance for a 21-year-old?
While the average monetary value of car indemnity for a 21-year-old is $ 375 per month, rates vary significantly across insurers. Erie Insurance, which is available in 13 states, offered the cheapest monthly rates for 21-year-olds at $ 170. USAA, which is entirely available to military members and their families, was the second most low-cost at $ 177 per month .
Geico was the most low-cost and widely available car insurance for 21-year-olds at $ 207 per calendar month .
Find Cheap 21-Year-Old Auto Insurance Quotes
presently insured ?
|
Insurer |
Monthly cost |
|
|---|---|---|
 |
Erie | $170 |
 |
USAA | $177 |
 |
Geico | $207 |
 |
Nationwide | $252 |
 |
Progressive | $302 |
Show All Rows big differences in rates demonstrate why young drivers particularly should compare car policy quotes from several indemnity companies. For model, there ‘s a $ 458 deviation between the cheapest and most expensive car policy rates for a 21-year-old driver .
Find the Cheapest Insurers for Young Drivers in Each State
How much is car insurance for 21-year-old male and female drivers?
For 21-year-olds, female drivers pay $ 370 per month on average, while male drivers pay $ 399 per month. This remainder is due to the fact that younger male drivers tend to get in more accidents compared to female drivers .
|
Age |
Monthly cost – male driver |
Monthly cost – female driver |
|---|---|---|
| 20 | $481 | $438 |
| 21 | $399 | $370 |
| 22 | $369 | $349 |
Compare rates however, some states — California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania — forbid insurers from using gender to determine car indemnity rates. Men and women should pay the same price for car insurance coverage in these states, all else being equal .
The average cost of car insurance, by age
The price of full-coverage cable car policy normally decreases with senesce, and equitable a few years can result in widely unlike rates for unseasoned drivers. For example, the average 21-year-old pays $ 384 per calendar month, which is $ 232 cheaper per month than the cost for an 18-year-old .
young drivers typically pay more for car indemnity compared to older drivers because insurers consider them to be higher risk. This is due to the fact that younger drivers tend to get into more accidents and file more policy claims .
|
Age |
Average monthly cost |
|---|---|
| 18 | $616 |
| 19 | $515 |
| 20 | $460 |
| 21 | $384 |
| 22 | $359 |
| 23 | $335 |
| 24 | $314 |
| 25 | $279 |
The cheapest auto insurance company for 21-year-olds, by state
Geico was systematically the most low-cost insurance company, as they are the cheapest company in four of the nine states. Below, we recommend the cheapest car policy companies for a 21-year-old in our nine sample distribution states .
Cost of car insurance for 21-year-olds, by state
North Carolina is the cheapest state to insure a 21-year-old driver, with a monthly rate that is $ 234 cheaper than the overall average. Michigan is by far the most expensive state, as the monthly policy price for a 21-year-old is six times more than the cost in North Carolina .
|
State |
Average monthly cost for 24-year-old |
|---|---|
| North Carolina | $150 |
| Ohio | $164 |
| California | $186 |
| Illinois | $247 |
| Georgia | $263 |
| New York | $281 |
| Texas | $297 |
| Florida | $330 |
| Michigan | $912 |
How to get cheap car insurance as a 21-year-old
The best strategy to find cheap car policy as a 21-year-old driver — or a driver of any long time, for that matter — is to shop around for rates at unlike insurers. indemnity companies charge premiums based on many factors, from the car you drive to your driving history. The insurance company that offers you the best rate may be very different from those best-suited for your peers or syndicate members .
When shopping about for quotes, 21-year-olds and other young drivers, specially teenagers, can save by staying on their parents ‘ car policy policies or taking advantage of all available discounts .
Frequently asked questions
Who has the cheapest car insurance for a 21-year-old?
We found the cheapest rates for 21-year-olds at Erie, where the typical price is $ 170 per calendar month.
Is car insurance cheaper when you’re 21?
Yes, car indemnity rates broadly go down after you turn 21. The average rate for a 21-year-old is about 16 % cheaper than the monetary value a 20-year-old pays. car indemnity rates generally decrease in your early 20s, with smaller decreases into your late 20s .
Methodology
Our sketch pulled quotes from thousands of ZIP codes across nine of the most populate states in the U.S. Our sample drivers were 21-year-old men and women who drove a 2015 Honda Civic EX. The drivers were individual and had clean drive records .
We collected full-coverage rates with the following limits :
|
Coverage type |
Study limits Read more: Car insurance quotes comparison – Nationwide |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
| Personal injury protection (PIP) | Minimum when required by state |
Our analysis covered 29 insurance companies. however, an insurance company was lone added to our list of average prices and recommendations if their policies were available in at least three of the nine states .
ValuePenguin ‘s analysis collected policy rate data from Quadrant Information Services. The rates used to calculate the averages were sourced publicly from insurance company filings. These averages should only be used for comparative purposes — your own quotes may be different .