While most 20-year-old drivers have a few years of experience behind the wheel, their car insurance rates can still be high compared to older adults. For 20-year-olds, the average cost of minimum car insurance coverage is $1,160 per year, while full coverage averages $3,782 annually. Understanding how your location and driving record can affect your car insurance rates may help when you’re searching for the best car insurance company for 20-year-olds. And, there are a few ways you may be able to save on coverage, which can help keep rates low as you gain experience as a driver.

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How much is car insurance for a 20-year-old?

On average, 20-year-olds pay $3,782 per year for full coverage car insurance, according to 2022 premium data from Quadrant Information Services. Full coverage includes liability insurance as well as collision and comprehensive coverage. Although this is less than what teen drivers pay, on average, it is still far more than the national average cost of car insurance in 2022, which is $1,771 per year for full coverage and $545 per year for minimum coverage.

Although 20-year-old drivers have experience behind the wheel, they are still considered to be relatively inexperienced by auto insurers. This driving inexperience leads insurers to charge higher premiums to compensate for greater claims risk. However, you should see your premium drop as you age, assuming you maintain a clean driving record.

Average car insurance costs for 20-year-old men and women

In most states, gender is a rating factor for car insurance policies. Statistics show that men engage in riskier driving habits than women, which increases their likelihood of being involved in an accident. Because of this, men typically pay more than women for car insurance in states that factor gender into rates, as you can see from the table below. All states except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania use gender as a rating factor.

Average annual full coverage premium for 20-year-old female driver Average annual full coverage premium for 20-year-old male driver
$3,504 $4,060

Average car insurance cost for 20-year-olds by state

Every state has its own insurance laws, which can affect the average rates for car insurance at any age. Additionally, each state has differing average rates of accidents and weather-related damage, as well as variable costs associated with medical care and vehicle repairs. All of these factors affect the average rates for auto insurance in your state.

State Average annual full coverage premium for 20-year-old female Average annual full coverage premium for 20-year-old male Overall average annual full coverage premium for 20-year-old drivers
Alabama $3,638 $4,411 $4,025
Alaska $3,458 $4,301 $3,879
Arizona $3,448 $3,949 $3,699
Arkansas $3,767 $4,698 $4,232
California* $4,047 $4,047 $4,047
Colorado $4,125 $5,003 $4,564
Connecticut $3,661 $4,515 $4,088
Delaware $4,310 $5,356 $4,833
Florida $5,371 $6,399 $5,885
Georgia $3,839 $4,940 $4,389
Hawaii* $1,292 $1,292 $1,292
Idaho $2,213 $2,749 $2,481
Illinois $3,481 $4,253 $3,867
Indiana $2,444 $2,947 $2,696
Iowa $2,269 $2,812 $2,541
Kansas $3,525 $4,142 $3,834
Kentucky $4,096 $5,013 $4,555
Louisiana $5,532 $6,503 $6,017
Maine $1,938 $2,472 $2,205
Maryland $4,418 $5,575 $4,997
Massachusetts* $3,041 $3,041 $3,041
Michigan* $5,411 $5,411 $5,411
Minnesota $3,262 $3,832 $3,547
Mississippi $3,283 $4,034 $3,658
Missouri $3,815 $4,719 $4,267
Montana** $4,242 $4,242 $4,242
Nebraska $3,032 $3,786 $3,409
Nevada $4,758 $5,591 $5,174
New Hampshire $2,401 $3,131 $2,766
New Jersey $3,864 $4,522 $4,193
New Mexico $2,750 $3,271 $3,011
New York $5,227 $6,437 $5,832
North Carolina* $1,669 $1,669 $1,669
North Dakota $2,288 $2,658 $2,473
Ohio $2,512 $3,056 $2,784
Oklahoma $3,590 $4,195 $3,893
Oregon $2,767 $3,193 $2,980
Pennsylvania* $4,537 $4,537 $4,537
Rhode Island $3,619 $4,409 $4,014
South Carolina $2,923 $3,570 $3,246
South Dakota $2,609 $3,118 $2,864
Tennessee $2,879 $3,431 $3,155
Texas $3,806 $4,652 $4,229
Utah $3,209 $3,862 $3,535
Vermont $2,478 $3,044 $2,761
Virginia $2,978 $3,725 $3,351
Washington $3,013 $3,644 $3,329
Washington, D.C. $3,619 $4,397 $4,008
West Virginia $3,038 $3,583 $3,310
Wisconsin $2,538 $2,952 $2,745
Wyoming $2,714 $3,485 $3,099

*These states prohibit insurers from using gender as an auto insurance rating factor.

**The ban to prohibit gender as a rating factor was overturned effective 2022 and is not currently reflected in these rates.

Best car insurance companies for 20-year-olds

Although price is important when shopping for insurance, it is not the only factor to consider when choosing your auto insurer. Bankrate’s insurance editors obtained current premium information for the largest insurance companies by market share in the country. After analyzing the data, we also reviewed each company’s coverage options, discounts, policy features and third-party rankings.

For 20-year-olds looking for the best car insurance, getting quotes from major carriers Geico, State Farm, Progressive and Travelers might be a good starting place:

Car insurance company Average annual full coverage premium for 20-year-old female drivers Average annual full coverage premium for 20-year-old male drivers Overall average annual full coverage premium for 20-year-old drivers
Geico $2,588 $2,783 $2,686
State Farm $2,482 $2,987 $2,735
Progressive $3,155 $3,608 $3,382
Travelers $3,405 $4,239 $3,822

Geico

Geico has the lowest average rates for 20-year-olds of any provider on our list. In addition, the company might appeal to young drivers for its highly-rated digital tools. The company earned the top spot in the J.D. Power 2021 U.S. Digital Experience Study for the service category, meaning that most customers are very satisfied with Geico’s digital service. The mobile app lets you pay bills, file claims, call for roadside assistance, view ID cards, make policy changes and more.

Geico is also known for having one of the most robust lists of discounts in the industry, with savings for federal employees, military members and safe drivers, among others. Geico carries an A++ (Superior) financial strength rating from AM Best, the highest available. Attractive coverage options from Geico include rideshare coverage, which could be important to individuals who use their vehicle to earn money. However, the company does not offer gap insurance, so if you need that coverage type to protect your auto loan, you may want to consider another option.

Learn more: Geico Insurance review

State Farm

If you are looking for a well-established company with the weight of history behind it, State Farm might be a good choice. In addition to offering the second-cheapest average rates on our list, State Farm is the largest personal auto insurer in the country and sells its products through a network of 19,000 local agents.

Young drivers might be particularly drawn to State Farm’s Steer Clear usage-based telematics insurance program, which can save you money and help you learn safer driving habits. You may also be able to lower your premium by benefiting from a student discount or taking an accredited driver course. State Farm holds an A++ (Superior) financial strength rating from AM Best. However, the company received more customer complaints than average, filed with the National Association of Insurance Commissioners (NAIC).

Learn more: State Farm Insurance review

Progressive

Progressive’s auto insurance tools can save you both time and money. If you are on a budget, the Name Your Price tool can help you find coverage options that will fit in your financial plan. You can also compare quotes from other companies through Progressive’s website, which could help you determine if another company has a better price for the same level of coverage. If you plan to get your quote virtually and buy your policy online, Progressive might be a good option. The company offers savings for online quotes and purchases. However, you can also purchase Progressive’s car insurance through its national network of independent agents. Like our other top companies, Progressive has a strong balance sheet and is rated A+ (Superior) by AM Best. However, the company received a below-average claims satisfaction score from J.D. Power.

Learn more: Progressive Insurance review

Travelers

Travelers has the highest average rates for 20-year-old drivers on our list, but the company’s extensive menu of optional coverage types might make up for the higher premium. You can add options like loan/lease gap coverage, new car replacement, accident forgiveness or ridesharing coverage to personalize your auto insurance policy. You might be able to lower your premium by earning good grades or maintaining a clean driving record. Travelers carries an A++ (Superior) financial strength rating from AM Best. However, Travelers has a greater number of customer complaints filed with the NAIC compared to the industry average.

Learn more: Travelers Insurance review

Cheapest car insurance for 20-year-old drivers

Because 20-year-olds pay relatively high average premiums for car insurance, finding a cheap provider might be high on your list of priorities. Fortunately, numerous carriers offer coverage lower than the national average cost of full coverage auto insurance for 20-year-old drivers.

Car insurance company Average annual full coverage premium for 20-year-old female drivers Average annual full coverage premium for 20-year-old male drivers Overall average annual full coverage premium for 20-year-old drivers
USAA $2,334 $2,518 $2,426
Erie $2,174 $2,736 $2,455
Geico $2,588 $2,783 $2,686
Auto-Owners $2,463 $2,896 $2,679
State Farm $2,482 $2,987 $2,735

These are average premiums, but the price you pay for car insurance will depend on more than a dozen individual rating factors like the type of car you drive, how much you drive per year, coverage types and deductibles you choose, your claims history and motor vehicle record, according to the Triple-I. You may pay more or less than the premium cited above.

How to save on car insurance for 20-year-olds

Generally, 20-year-olds can expect to pay relatively high car insurance costs compared with the national average, but there are ways that you can save on your premium.

  • Shop around: One of the best ways to save is to get car insurance quotes from several companies so you can compare them. Most companies offer quotes online, or an independent insurance agent may be able to help you find insurers that offer a wide range of discounts and more affordable insurance options for 20-year-olds.
  • Take advantage of discounts: Most companies offer at least a few discounts to help lower your premium. Common discounts for 20-year-old drivers include going paperless, paid-in-full and good student discounts. Telematics discounts may also help lower your premium if you exhibit safe driving habits.
  • Choose a higher deductible: Understanding your auto insurance deductibles is important. Deductibles are the out-of-pocket amount you are responsible for in the event of a vehicle damage claim. Increasing your deductible generally lowers your premium, but it also means you would have to pay more in an accident or a non-collision loss, like theft or fire.
  • Consider the car you drive: Some cars are cheaper to insure than others. Most insurance professionals recommend that you get an insurance quote before you buy or lease a vehicle, so you can anticipate what you’d be paying for the car you’re thinking of choosing.

How to get the best car insurance for a 20-year-old

The first step to finding the best car insurance for your needs is to understand your situation. Take stock of your rating factors, including the type of car you have, any specific coverage types you are looking for, your driving history and what discounts you might qualify for. Then, get quotes from several companies that might fit your needs. That way, you can compare the quotes and companies and choose the option that is right for you.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 20-year-old male and female driver with a clean driving record, good credit and the following full 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 coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week, drive 12,000 miles annually and have a renters insurance policy.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Hawaii rates indicate age is not a contributing factor.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.