Skip to Main Content

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Car insurance for 21-year-olds

Updated May 01, 2025
Location Pin Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance for a 21-year-old?

According to Bankrate’s review of quoted annual premiums, 21-year-old drivers pay an average of $4,543 per year for their own full coverage car insurance policy, which is 69 percent more than the national average rate of $2,692 per year. The average minimum coverage policy for a 21-year-old costs $1,376 per year, which is 70 percent more than the national average of $808 per year.

Drivers who live in the same residence as their parents can be listed as a driver on their parents’ insurance, which can make the overall cost of coverage less expensive. The average annual cost of car insurance for a 21-year-old on their parents’ policy is $3,747 for full coverage and $1,155 for minimum coverage. However, keep in mind that being added to your parents’ policy still causes a significant increase in premium and your driving record will also impact their rates.

The reason why car insurance rates are higher for young adults is because prices are based on risk. If you are 21 years old, you have less driving experience than an older, more experienced driver. To compensate for the increased risk of causing an accident, car insurance companies typically charge a higher rate if you are recently licensed. Generally, your premiums should begin to decrease when you turn 25.

Car insurance rates for 21-year-olds by state

Another factor that can significantly affect car insurance premiums is where you live. For example, in states with a high risk of severe weather or a large number of uninsured drivers, the average cost of car insurance is likely to be more expensive. Rate data shows that Florida has the highest full coverage car insurance rates on average for 21-year-olds on their own policies ($6,525) and Hawaii has the cheapest rates ($1,712). However, if you live in Hawaii or Massachusetts, car insurance companies are not allowed to use age as a rating factor for premiums, which helps explain why average rates are so low in the Aloha State.

The table below highlights the average cost of full coverage car insurance for 21-year-olds in every state. You can also see the state-by-state breakdown of rates for 21-year-olds on their parents’ policy vs. their own policy.

Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,932
Avg. annual full coverage premium for 21-year-old on their own policy
$3,513
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,494
Avg. annual full coverage premium for 21-year-old on their own policy
$4,178
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,068
Avg. annual full coverage premium for 21-year-old on their own policy
$4,751
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,120
Avg. annual full coverage premium for 21-year-old on their own policy
$3,968
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,064
Avg. annual full coverage premium for 21-year-old on their own policy
$4,701
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,925
Avg. annual full coverage premium for 21-year-old on their own policy
$5,390
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,821
Avg. annual full coverage premium for 21-year-old on their own policy
$5,167
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,009
Avg. annual full coverage premium for 21-year-old on their own policy
$5,003
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,504
Avg. annual full coverage premium for 21-year-old on their own policy
$6,525
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,040
Avg. annual full coverage premium for 21-year-old on their own policy
$4,687
Avg. annual full coverage premium for 21-year-old on their parents' policy
$1,725
Avg. annual full coverage premium for 21-year-old on their own policy
$1,712
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,026
Avg. annual full coverage premium for 21-year-old on their own policy
$2,675
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,452
Avg. annual full coverage premium for 21-year-old on their own policy
$4,516
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,428
Avg. annual full coverage premium for 21-year-old on their own policy
$3,164
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,585
Avg. annual full coverage premium for 21-year-old on their own policy
$3,242
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,465
Avg. annual full coverage premium for 21-year-old on their own policy
$4,339
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,871
Avg. annual full coverage premium for 21-year-old on their own policy
$5,209
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,282
Avg. annual full coverage premium for 21-year-old on their own policy
$6,758
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,339
Avg. annual full coverage premium for 21-year-old on their own policy
$3,081
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,255
Avg. annual full coverage premium for 21-year-old on their own policy
$5,202
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,983
Avg. annual full coverage premium for 21-year-old on their own policy
$4,024
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,885
Avg. annual full coverage premium for 21-year-old on their own policy
$5,397
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,439
Avg. annual full coverage premium for 21-year-old on their own policy
$4,438
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,095
Avg. annual full coverage premium for 21-year-old on their own policy
$3,739
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,631
Avg. annual full coverage premium for 21-year-old on their own policy
$4,544
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,318
Avg. annual full coverage premium for 21-year-old on their own policy
$4,151
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,313
Avg. annual full coverage premium for 21-year-old on their own policy
$4,047
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,255
Avg. annual full coverage premium for 21-year-old on their own policy
$6,080
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,335
Avg. annual full coverage premium for 21-year-old on their own policy
$3,113
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,524
Avg. annual full coverage premium for 21-year-old on their own policy
$5,322
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,828
Avg. annual full coverage premium for 21-year-old on their own policy
$3,649
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,411
Avg. annual full coverage premium for 21-year-old on their own policy
$6,470
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,355
Avg. annual full coverage premium for 21-year-old on their own policy
$2,337
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,532
Avg. annual full coverage premium for 21-year-old on their own policy
$3,114
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,736
Avg. annual full coverage premium for 21-year-old on their own policy
$3,353
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,746
Avg. annual full coverage premium for 21-year-old on their own policy
$4,597
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,278
Avg. annual full coverage premium for 21-year-old on their own policy
$3,841
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,467
Avg. annual full coverage premium for 21-year-old on their own policy
$4,187
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,100
Avg. annual full coverage premium for 21-year-old on their own policy
$5,597
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,687
Avg. annual full coverage premium for 21-year-old on their own policy
$3,223
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,060
Avg. annual full coverage premium for 21-year-old on their own policy
$3,544
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,054
Avg. annual full coverage premium for 21-year-old on their own policy
$3,736
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,560
Avg. annual full coverage premium for 21-year-old on their own policy
$4,546
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,270
Avg. annual full coverage premium for 21-year-old on their own policy
$3,901
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,191
Avg. annual full coverage premium for 21-year-old on their own policy
$2,738
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,050
Avg. annual full coverage premium for 21-year-old on their own policy
$3,978
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,667
Avg. annual full coverage premium for 21-year-old on their own policy
$3,670
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,078
Avg. annual full coverage premium for 21-year-old on their own policy
$3,822
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,606
Avg. annual full coverage premium for 21-year-old on their own policy
$3,465
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,393
Avg. annual full coverage premium for 21-year-old on their own policy
$3,201
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,094
Avg. annual full coverage premium for 21-year-old on their own policy
$4,911
Avg. annual full coverage premium for 21-year-old on their parents' policy
$1,725
Avg. annual full coverage premium for 21-year-old on their own policy
$1,712
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,026
Avg. annual full coverage premium for 21-year-old on their own policy
$2,675
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,452
Avg. annual full coverage premium for 21-year-old on their own policy
$4,516
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,428
Avg. annual full coverage premium for 21-year-old on their own policy
$3,164
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,585
Avg. annual full coverage premium for 21-year-old on their own policy
$3,242
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,465
Avg. annual full coverage premium for 21-year-old on their own policy
$4,339
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,871
Avg. annual full coverage premium for 21-year-old on their own policy
$5,209
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,282
Avg. annual full coverage premium for 21-year-old on their own policy
$6,758
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,339
Avg. annual full coverage premium for 21-year-old on their own policy
$3,081
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,255
Avg. annual full coverage premium for 21-year-old on their own policy
$5,202
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,983
Avg. annual full coverage premium for 21-year-old on their own policy
$4,024
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,885
Avg. annual full coverage premium for 21-year-old on their own policy
$5,397
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,439
Avg. annual full coverage premium for 21-year-old on their own policy
$4,438
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,095
Avg. annual full coverage premium for 21-year-old on their own policy
$3,739
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,631
Avg. annual full coverage premium for 21-year-old on their own policy
$4,544
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,318
Avg. annual full coverage premium for 21-year-old on their own policy
$4,151
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,313
Avg. annual full coverage premium for 21-year-old on their own policy
$4,047
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,255
Avg. annual full coverage premium for 21-year-old on their own policy
$6,080
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,335
Avg. annual full coverage premium for 21-year-old on their own policy
$3,113
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,524
Avg. annual full coverage premium for 21-year-old on their own policy
$5,322
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,828
Avg. annual full coverage premium for 21-year-old on their own policy
$3,649
Avg. annual full coverage premium for 21-year-old on their parents' policy
$5,411
Avg. annual full coverage premium for 21-year-old on their own policy
$6,470
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,355
Avg. annual full coverage premium for 21-year-old on their own policy
$2,337
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,532
Avg. annual full coverage premium for 21-year-old on their own policy
$3,114
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,736
Avg. annual full coverage premium for 21-year-old on their own policy
$3,353
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,746
Avg. annual full coverage premium for 21-year-old on their own policy
$4,597
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,278
Avg. annual full coverage premium for 21-year-old on their own policy
$3,841
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,467
Avg. annual full coverage premium for 21-year-old on their own policy
$4,187
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,100
Avg. annual full coverage premium for 21-year-old on their own policy
$5,597
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,687
Avg. annual full coverage premium for 21-year-old on their own policy
$3,223
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,060
Avg. annual full coverage premium for 21-year-old on their own policy
$3,544
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,054
Avg. annual full coverage premium for 21-year-old on their own policy
$3,736
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,560
Avg. annual full coverage premium for 21-year-old on their own policy
$4,546
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,270
Avg. annual full coverage premium for 21-year-old on their own policy
$3,901
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,191
Avg. annual full coverage premium for 21-year-old on their own policy
$2,738
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,050
Avg. annual full coverage premium for 21-year-old on their own policy
$3,978
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,667
Avg. annual full coverage premium for 21-year-old on their own policy
$3,670
Avg. annual full coverage premium for 21-year-old on their parents' policy
$3,078
Avg. annual full coverage premium for 21-year-old on their own policy
$3,822
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,606
Avg. annual full coverage premium for 21-year-old on their own policy
$3,465
Avg. annual full coverage premium for 21-year-old on their parents' policy
$2,393
Avg. annual full coverage premium for 21-year-old on their own policy
$3,201
Avg. annual full coverage premium for 21-year-old on their parents' policy
$4,094
Avg. annual full coverage premium for 21-year-old on their own policy
$4,911

*Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate and Coverage Logo

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers
Location Pin Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance companies for 21-year-olds

Because car insurance rates tend to be relatively expensive for 21-year-olds, many drivers will want to get a policy from the cheapest car insurance company. Based on our analysis of the average premiums for the largest car insurance companies by market share, several stand out as offering low average rates to 21-year-olds on their own policy and on their parents’ policy.

According to our findings, USAA has one of the cheapest average rates for 21-year-olds, with an average annual full coverage premium of $2,708 for 21-year-old drivers on their own policy. However, USAA is not available to everyone; it is exclusively available to active duty military, veterans and qualifying immediate family members. If you don’t qualify for USAA, Auto-Owners offers the next-cheapest average rates on our list at $2,871 per year. If you decide to remain insured on your parents’ policy, Geico has the cheapest rates, with an average annual full coverage premium of $2,165 per year.

Cheapest car insurance companies for 21-year-olds on their parents’ policy

21 year olds looking to be insured on their parents’ policy can consider getting quotes from the following companies, which offer low average rates:

$780
$780
$2,670
$2,670
$736
$736
$2,703
$2,703
$882
$882
$2,919
$2,919
$850
$850
$2,928
$2,928
$875
$875
$2,441
$2,441

Cheapest car insurance companies for 21-year-olds on their own policy

If you don't qualify for coverage on your parents' policy, the following carriers offer some of the lowest average rates for 21-year-old drivers on their own policy.

$971
$971
$3,349
$3,349
$975
$975
$3,241
$3,241
$929
$929
$3,442
$3,442
$1,086
$1,086
$3,565
$3,565
$922
$922
$3,333
$3,333

How to save on car insurance for 21-year-olds

Although car insurance is, on average, more expensive for 21-year-olds than it is for older drivers, there are ways you may be able to save.

  • Compare quotes: Car insurance companies use unique rating algorithms, meaning that they weigh your individual rating factors differently. Getting quotes from several companies allows you to compare the price for the same type and amount of coverage.
  • Take advantage of good student discounts: If you are under 25 years old and are a full-time student, many insurance companies offer a good student discount. The qualifications will vary by company, but most insurers require that you maintain a ‘B’ average or a 3.0 or higher GPA.
  • Ask about a distant student discount: If you are a college student who does not take a vehicle with you to campus, you may qualify for a distant student discount. Typically, you have to be at least 100 miles away from home to qualify, but this will vary by insurance carrier.
  • Drive an affordable vehicle: The type of car you drive has a huge impact on how much you pay for car insurance. Sports cars, luxury vehicles and vehicles that may be more expensive to repair or replace will generally result in higher premiums. There are some cars that are generally cheaper to insure than others, like the Honda CR-V, Hyundai Tucson and Ford F-150.
  • Keep a clean driving record: 21-year-olds can typically expect their average car insurance rates to begin substantially dropping over the next several years as they gain experience and become more mature. However, speeding tickets and traffic accidents on your driving record can prevent you from lowering your risk profile and earning a cheaper premium.
  • Improve your driving skills: Many insurers offer a discount to drivers who agree to install a telematics device in their car or use a mobile app to track their driving habits. These programs record information about your driving skills, such as your speed, braking and the time of day you are driving. If you demonstrate safe driving habits, you could get a discount on your premium.

How to get the best car insurance for 21-year-olds

The cheapest car insurance is not necessarily the best car insurance, because every 21-year-old driver has different insurance needs. To find the best coverage for your personal needs, it’s important to determine what you want from a policy. Ask yourself questions like:

  • Do you want a company that has a strong mobile app?
  • Are you looking for certain coverages, like accident forgiveness?
  • What discounts can you qualify for?
  • How strict is your budget?

Once you have decided what matters most, you can get quotes from several companies to see which companies best fit your needs. If you are not sure where to start, talking to a licensed agent might help you decide what coverages and options are right for you.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Age: Rates were calculated by evaluating our base profile with age 21 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor II, Insurance