The average monetary value of car insurance for 22-year-olds is $ 4,304 per year, or approximately $ 359 per calendar month, for full coverage. For a 22-year-old looking for the cheapest cable car insurance, we recommend Erie, USAA and Geico .
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 .
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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 .
This graph ranks car insurance quotes for 22-year-olds across varying insurers

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 logo Erie $1,922
USAA logo USAA $1,999
Geico logo Geico $2,317
Nationwide logo Nationwide $2,820
Progressive logo Progressive $3,323

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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 .

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