We found that Erie offers the bum car insurance rates for 22-year-old drivers at $ 1,922 per year for wide coverage, based on our analysis of thousands of rates across nine states. To ensure you get the best pace, compare car indemnity quotes yourself and find eligible discounts, as rates for 22-year-olds can vary by $ 5,277 per year across insurers .
Find insurance rates by:
{ “ backgroundColor ” : ” frost ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” full pad-none align-left clearfix\ ” \u003E\n\u003Cdiv class=\ ” twothird pad align-left clearfix\ ” \u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe found that Erie offers the brassy car insurance rates for 22-year-old drivers at $ 1,922 per year for full coverage, based on our analysis of thousands of rates across nine states. To ensure you get the best rate, compare car indemnity quotes yourself and find eligible discounts, as rates for 22-year-olds can vary by $ 5,277 per class across insurers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” third gear pad align-left clearfix\ ” \u003E\n\u003Cstrong\u003EFind insurance rates by : \u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” DropdownBox — root\ ” \u003E\n \u003Cdiv class=\ ” ReactComponent — root\ ” \u003E\n \u003Cdiv class=\ ” js-react-component-rendered js-react-component-DropdownBox\ ” data-component-name=\ ” DropdownBox\ ” \u003E\n \u003Cdiv class=\ ” Root-sc-z2gssf wGmOn\ ” \u003E\u003Cdiv class=\ ” InputDropdown — root DropdownBox — select\ ” \u003E\u003Cdiv class=\ ” InputDropdown — field \ ” \u003E\u003Cselect aria-label=\ ” selectedOption\ ” class=\ ” InputDropdown — select\ ” name=\ ” selectedOption\ ” \u003E\u003Coption value=\ ” # \ ” \u003ESelect an option\u003C\/option\u003E\u003Coption value=\ ” # company\ ” \u003ECompany\u003C\/option\u003E\u003Coption value=\ ” # gender\ ” \u003EGender\u003C\/option\u003E\u003Coption value=\ ” # age\ ” \u003EAge\u003C\/option\u003E\u003Coption value=\ ” # state\ ” \u003EState\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\ ” application\/json\ ” class=\ ” js-react-component\ ” data-component-name=\ ” DropdownBox\ ” \u003E { \ ” title\ ” : \ ” Select an option\ ”, \ ” dropdownOptions\ ” : [ { \ ” label\ ” : \ ” Select an option\ ”, \ ” value\ ” : \ ” # \ ” }, { \ ” label\ ” : \ ” Company\ ”, \ ” value\ ” : \ ” # company\ ” }, { \ ” label\ ” : \ ” Gender\ ”, \ ” value\ ” : \ ” # gender\ ” }, { \ ” label\ ” : \ ” Age\ ”, \ ” value\ ” : \ ” # age\ ” }, { \ ” label\ ” : \ ” State\ ”, \ ” value\ ” : \ ” # state\ ” } ] } \u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n ”, ” padding ” : ” none ” }
How much is car insurance for a 22-year old?
We found Erie Insurance, which is available in 13 states nationally, has the cheapest rate for a 22-year-old at an average price of $ 1,922 per year for wide coverage. USAA comes in irregular at a rate of $ 1,999 per year, though only current and former members of the military and their families can qualify for a USAA policy .
With a rate of $ 2,317 per year, Geico is the cheapest car insurance caller for 22-year-olds that is available in all 50 states .
Find Cheap 22-Year-Old Auto Insurance Quotes
presently insured ? The significant variation in prices across insurers illustrates why young drivers should always shop around for car insurance quotes .
Insurer |
Annual Cost |
|
---|---|---|
Erie | $1,922 | |
USAA | $1,999 | |
Geico | $2,317 | |
Nationwide | $2,820 | |
Progressive | $3,323 |
Show All Rows
Cost of car insurance for 22-year-old male and female drivers
car indemnity for a 22-year-old male driver costs on average $ 4,425 per class, compared to $ 4,183 per year for a 22-year-old female driver. The average monetary value of car policy is typically more expensive for young male drivers because they tend to get in more accidents .
Age |
Annual cost – male driver |
Annual cost – female driver |
---|---|---|
19 | $6,468 | $5,895 |
20 | $5,777 | $5,258 |
21 | $4,784 | $4,439 |
22 | $4,425 | $4,183 |
Compare rates several states bar insurance companies from using sex to calculate car policy premiums. These states include California, Hawaii, Massachusetts, Montana, North Carolina and Pennsylvania, vitamin a well as parts of Michigan. This means that if all else is adequate, 22-year-old male and female drivers should pay the lapp rates in these areas .
The average cost of car insurance by age
The average annual monetary value of car insurance for a 22-year-old is $ 4,304, or about $ 359 per calendar month. Since insurers consider drivers under 25 more bad, car indemnity premiums can be peculiarly dearly-won for this historic period group. however, fair a few years of age deviation can have a large impingement on rates .
For exemplar, when you turn 22, you ‘ll likely see your annual rate drop by an average of $ 307 .
Age |
Average annual premium |
---|---|
18 | $7,396 |
19 | $6,182 |
20 | $5,517 |
21 | $4,611 |
22 | $4,304 |
23 | $4,021 |
24 | $3,765 |
25 | $3,348 |
Cheapest auto insurance company for 22-year-olds by state
We found that Geico offers the cheapest rates in four of our nine sample states. however, these are average rates, and the best way to find the cheapest rate for yourself is to shop around .
Cost of car insurance for 22-year-olds by state
The average monetary value of car insurance varies importantly by state. North Carolina offers the cheap car policy for 22-year-olds at $ 1,751 per year, which is $ 2,553 cheaper than the average. On the early bridge player, car insurance policies in Michigan are by far the most expensive for 22-year-olds, coming in at $ 8,234 above the average .
How to shop for cheap car insurance as a 22-year-old
Comparing quotes from multiple insurers is frequently the best way to find cheap car insurance. Insurers use many variables to determine car insurance rates, such as your drive record, prior history of title filings, long time, vehicle character and more. Given the variability of factors affecting car indemnity premiums, the insurance company that offers the bum rate for one individual is often different from the cheapest insurance company for person else .
A 22-year-old may besides benefit from remaining on their parents ‘ policy deoxyadenosine monophosphate long as potential and take advantage of potential discounts. A aggregate syndicate policy may be more expensive for your parents ; however, the total cost tends to be well cheaper than if you were to pay for two different policies. You can stay on your parents ‘ car policy a hanker as you live in the lapp firm or go to school wide time .
common car indemnity discounts available to 22-year-old drivers include :
The type and sum of a discount can vary substantially across insurers and locations, which is another reason to shop around for car insurance quotes .
Methodology
This analysis used car indemnity quotes from thousands of ZIP codes across nine of the most populate states in the U.S. sample drivers were 22-year-old men and women who drove a 2015 Honda Civic EX. Both drivers had a clean drive record .
The full coverage policy limits were :
Coverage type |
Study limits |
---|---|
Bodily injury liability | $50,000 per person/$100,000 per accident |
Property damage liability | $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 |
The study included 29 insurers, though car policy premiums were only included in the analysis if their policies were available in at least three of the nine states .
ValuePenguin ‘s analysis collected indemnity pace data from Quadrant Information Services. The rates were publicly sourced from insurance company filings and should be used for relative purposes only. Your own quotes may be different from the averages we calculated .