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Car insurance for 22-year-olds

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Young drivers face some of the most expensive car insurance rates. This is generally due to their lack of experience behind the wheel and higher accident rates compared to older drivers, based on actuarial data. Car insurance companies take both of these factors into account when calculating rates.

With time, it is possible for rates to come down for younger drivers. For example, insurance coverage for 22-year-old drivers typically generates lower rates compared to newly licensed 16-year-olds, although a 22-year-old driver’s rates are likely to be higher than those of 25-year-old drivers. Still, it can be helpful to understand what factors determine your premium and what you can do to keep your costs as low as possible. Bankrate’s research, which includes the average premium costs for 22-year-olds by gender, state and company, might help you take control of your car insurance expenses.

How much is car insurance for a 22-year-old?

The average cost of car insurance for a 22-year-old driver on their own full coverage policy is $2,745 per year according to premium data provided by Quadrant Information Services, which equates to about $229 per month. As you gain more experience behind the wheel, and have no at-fault accidents or moving violations, you may see your auto insurance rates gradually decrease. Bankrate’s sample profile for a 22-year-old driver represents a 22-year-old with their own policy, who rents rather than owns their own home. Because many 22-year-olds might have moved out of their parents’ home and are living on their own, but may not own a home yet, these rates are generally helpful and representative of this age group.

Drivers under age 25 are generally considered to be relatively inexperienced by most insurance companies and are often charged a higher premium to compensate for the greater risks they present. In general, the older you get — assuming you are able to maintain a clean driving record — the lower your premium will be.

Average car insurance costs for 22-year-old males and females

Gender is one of several factors that insurance companies commonly use to determine your premium (except in states where this rating factor is prohibited). Statistically, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUIs) and — most importantly — have less serious accidents than men. So all other things being equal, women often pay less for auto insurance than their male counterparts, according to the Insurance Information Institute.

Average annual full coverage premium for 22-year-old male Average annual full coverage premium for 22-year-old female
$2,913 $2,578

In seven states, insurance companies are barred from using gender when calculating premium. In most areas of the U.S., however, your gender will be among the rating factors that affect how much you pay for insurance.

Average car insurance cost for 22-year-olds by state

Insurance rates vary by state, so knowing both the national average premium for your age group as well as your state’s average premium can be helpful for the sake of comparison. Along with different regulations surrounding insurance in every state, each individual ZIP code has varying rates of collisions, vehicle thefts and costs for repairs. All of these factors determine the average rates quoted in each state.

State Average annual full coverage premium for 22-year-old male Average annual full coverage premium for 22-year-old female Overall average annual full coverage premium
Alabama $3,121 $2,676 $2,899
Alaska $2,871 $2,398 $2,627
Arizona $2,703 $2,443 $2,570
Arkansas $3,341 $2,834 $3,092
California* $3,238 $3,218 $3,228
Colorado $3,383 $2,939 $3,161
Connecticut $3,030 $2,517 $2,769
Delaware $2,986 $2,675 $2,831
Florida $4,359 $3,943 $4,148
Georgia $3,741 $3,102 $3,426
Hawaii* $1,274 $1,272 $1,273
Idaho $2,012 $1,751 $1,882
Illinois $2,751 $2,365 $2,556
Indiana $2,377 $2,037 $2,207
Iowa $2,143 $1,850 $1,996
Kansas $2,951 $2,571 $2,758
Kentucky $4,105 $3,470 $3,788
Louisiana $4,678 $4,108 $4,390
Maine $1,597 $1,354 $1,476
Maryland $3,230 $2,703 $2,966
Massachusetts* $1,719 $1,719 $1,719
Michigan* $4,171 $4,159 $4,165
Minnesota $2,789 $2,496 $2,643
Mississippi $2,996 $2,531 $2,763
Missouri $3,002 $2,574 $2,788
Montana* $3,006 $2,996 $3,001
Nebraska $2,559 $2,176 $2,368
Nevada $3,921 $3,391 $3,656
New Hampshire $2,204 $1,796 $2,000
New Jersey $3,281 $2,809 $3,045
New Mexico $2,499 $2,192 $2,348
New York $3,831 $3,258 $3,542
North Carolina* $1,559 $1,559 $1,559
North Dakota $2,175 $1,825 $1,995
Ohio $2,132 $1,801 $1,967
Oklahoma $3,074 $2,727 $2,903
Oregon $2,284 $2,056 $2,173
Pennsylvania* $2,735 $2,735 $2,735
Rhode Island $3,311 $2,809 $3,060
South Carolina $2,693 $2,320 $2,506
South Dakota $2,682 $2,361 $2,522
Tennessee $2,546 $2,169 $2,358
Texas $3,469 $2,784 $3,126
Utah $2,374 $2,069 $2,221
Vermont $2,168 $1,866 $2,021
Virginia $2,426 $2,027 $2,226
Washington, D.C. $3,208 $2,720 $2,989
Washington $2,177 $1,869 $2,023
West Virginia $2,714 $2,345 $2,530
Wisconsin $2,035 $1,809 $1,922
Wyoming $2,658 $2,136 $2,397

*These states do not allow insurers to rate consumers differently based on gender.

Best car insurance companies for 22-year-olds

Car insurance companies vary greatly, not only in the rates charged, but in the coverage types, discounts, policy features offered and corresponding third-party rankings. Bankrate’s insurance editorial team reviewed the best car insurance carriers by market share in the nation. Our criteria included third-party customer satisfaction scores and financial strength ratings. If you are in the market for the best car insurance for 22-year-old drivers, comparing quotes from these four major providers will give you an idea of how rates vary based on your circumstances:

Car insurance company Average annual full coverage premium for 22-year-old males Average annual full coverage premium for 22-year-old females Overall average annual full coverage premium
American Family $2,722 $2,405 $2,563
Geico $2,181 $1,985 $2,083
State Farm $2,455 $2,141 $2,298
USAA $1,893 $1,733 $1,813

American Family

American Family, commonly known as AmFam, has the highest premiums among the insurers on our list, but its overall average premium is still cheaper than the national average for 22-year-olds. The ninth-largest U.S. auto insurer based on market share according to the Insurance Information Institute (Triple-I), AmFam offers some unique discounts that could help you save, including a young volunteer discount and a generational discount, which you may be able to take advantage of if your parents are insured with AmFam. You can tailor your policy with optional coverages, such as accidental death and dismemberment coverage or gap coverage. AmFam is fiscally sound and carries an A (Excellent) financial strength rating from AM Best.

Learn more: American Family Insurance review

Geico

Geico’s low average rates are already competitive, but the second-largest U.S. auto insurer also has one of the most comprehensive lists of available discounts in the industry. 22-year-olds may be able to save additional money by taking advantage of discounts including good student, military and federal employee and vehicle safety equipment. However, keep in mind that Geico does not offer gap insurance, so if you want gap coverage, you’ll have to purchase it from a competitor. Geico carries an A++ (Superior) financial strength rating from AM Best, the highest level possible.

Learn more: Geico Insurance review

State Farm

State Farm, the largest U.S. auto insurer with 16.2% market share according to the Triple-I, may appeal to 22-year-old drivers who value working with a local insurance agent in-person. The company has over 19,000 exclusive agents nationwide, making it probable you have a local State Farm agency nearby. You might be able to lower your premium further with the company’s Steer Clear safe driving telematics program that tracks your driving habits, or by being a good student that maintains a B average or better. State Farm also offers several other insurance products, if you are looking to expand your financial protection, including home, condo and renters coverage, and provides additional banking services. However, with the second-highest premiums on our list, State Farm may not be the best option for budget-conscious 22-year-old policyholders. AM Best rates State Farm A++ (Superior) for its financial strength.

Learn more: State Farm Insurance review

USAA

USAA, the seventh-largest U.S. auto insurer, is known for its competitive premiums and high-quality customer service, but one drawback may be that the company only sells insurance to active-duty military, veterans and their qualifying family members. If you qualify for membership, USAA provides a few advantages to consider. In addition to low premiums, the company offers numerous discounts for 22-year-olds, including safe driving, good student and owning a new car. USAA carries an A++ (Superior) financial strength rating from AM Best.

Learn more: USAA Insurance review

Cheapest car insurance for 22-year-olds

22-year-olds are often just starting out and establishing independent lives. Rent or mortgage payments, utility bills, car loan payments and student loan payments may cause these young adults to operate on a strict budget. If you’re looking for the cheapest car insurance companies, the following major providers offer average rates that are below the national average for 22-year-olds:

Car insurance company Average annual full coverage premium for 22-year-old males Average annual full coverage premium for 22-year-old females Overall average annual full coverage premium
USAA $1,893 $1,733 $1,813
Erie $2,035 $1,773 $1,904
Geico $2,181 $1,985 $2,083
Nationwide $2,321 $2,083 $2,202
Auto-Owners $2,347 $2,099 $2,223

Regardless of the average rate for 22-year-olds, keep in mind that car insurance premiums are personalized. Your individual rating factors will ultimately determine how much you pay. Your choice of vehicle, the level of coverage you purchase and your driving history will all be factored into your premium, so you might pay more or less than these average premiums.

How to save on car insurance for 22-year-olds

While the average cost of car insurance for 22-year-olds tends to be higher than it is for older drivers, there are several ways you may be able to lower your auto insurance rate.

Maintain a good driving record

One of the best ways to keep your insurance premium low is to avoid at-fault accidents and traffic violations. The more accidents and moving violations you have on your motor vehicle record, the higher your premium is likely to be. Practicing safe driving habits not only keeps you, your passengers and those around you safe, it can help keep your auto insurance premiums low. Since some insurers offer good driving discounts, safe driving is further incentivized.

Get good grades

Many insurance companies offer discounts for teens and young adults if they have good grades in high school or as full-time college students. You will likely have to present a recent grade card to your insurance company to qualify for this discount. Every company has different requirements, so be sure to ask your insurance company if you qualify.

Go to college without a car

If you are a college student living away from home, you may qualify for a discount on your auto insurance policy if you choose to leave your car behind. Most companies dictate how many miles you must be away from home in order to qualify for this discount. For example, you may need to be going to a school that is at least 100 miles from your home address in order to qualify.

How to get the best car insurance for a 22-year-old

Understanding the factors that affect your car insurance as a 22-year-old is an important first step to finding the best cheap car insurance for your needs. Shopping around, taking advantage of discounts and practicing safe driving skills may help you to find and maintain a low auto insurance rate. Working with a licensed insurance agent to help you determine what coverages are appropriate for your situation can also help you strike the balance between buying enough insurance protection and staying in your budget.

Frequently asked questions

What is the best car insurance company?

The best insurance company will depend on each specific driver and their needs. Since everyone has different personal characteristics and considerations that affect their auto insurance rate and coverage needs, no one company will be the best for every 22-year-old driver. For this reason, knowing what matters to you most before you begin shopping for coverage may help you choose the right car insurance company. Working with a licensed insurance agent and obtaining quotes from multiple insurers may help you find the best car insurance company for you.

Can a 22-year-old be added to their parents’ insurance policy?

If the 22-year-old driver still lives in the same household as their parents, insurance companies may request that they be included on their parents’ policy. Students away at college and living on campus are generally still considered to be a part of the same household, if their permanent address is their parents’ home address. However, if the 22-year-old driver moves out of their parents’ household and establishes their own permanent residence, they will likely need to obtain their own car insurance policy as well.

Does the type of car I drive impact my insurance rates?

The type of car you drive can impact your auto insurance rate. Insurance companies will review numerous factors including the year, make, model, trim level and market value of your vehicle when calculating a premium. Other potential factors include the crashworthiness of a vehicle based on available safety data, the likelihood of it being stolen, as well as the costs of replacement parts and labor in your area.

How fast can I get car insurance?

If you are certain that you have found the best car insurance for your needs, the process of purchasing a policy can move very quickly. By having all the necessary information and documents in place, it is possible to have a car insurance policy in place quickly after receiving the quote, sometimes the same day. However, also keep in mind that although many companies offer online quotes and applications, you may also be required to contact a company representative or local insurance agent to purchase the coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 22-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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week, drive 12,000 miles annually and have a renters insurance policy.

These are sample rates and should only be used for comparative purposes.

Gender: Seven states prohibit insurers from using gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

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. Two states prohibit insurers from using age as a rating factor: Hawaii and Massachusetts

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute