Car insurance for 22-year-olds

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22-year-old drivers have gained experience on the road since their teen years and, on average, will likely pay a bit less for car insurance. However, rates for 22-year-olds are generally higher than they are for drivers 25 years or older. For young adult drivers, it can be helpful to understand what makes up your premium and what you can do to keep your costs as low as possible. Bankrate’s research, which includes the average premium for 22-year-olds by gender, state and company, might help you take control of your car insurance.

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

The average full coverage car insurance premium for a 22-year-old driver on their own policy is $2,745 per year, which works out to $228 per month. As you gain more experience behind the wheel, you may see your auto insurance rates gradually decrease as you gain more experience on the road.

Drivers under 25 are generally considered to be relatively inexperienced by most insurance companies and are charged a higher premium to compensate for the risk these drivers 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. Statistically, men are seen as riskier drivers by insurers. Men are more likely to get into more and worse accidents than women, as well as generally engaging in more risky driving behaviors, like speeding or not wearing a seatbelt. Insurance companies tend to charge more for men to compensate for these driving behaviors.

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 some states, insurance companies are barred from using gender when calculating premium. In most areas of the U.S., however, your gender will 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 laws surrounding insurance, different states and even different ZIP codes have varying rates of collisions, vehicle thefts and differing costs for repairs. All of these factors go into the 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 coverages, discounts and policy features offered, and corresponding third-party rankings. Bankrate’s insurance editorial team reviewed the largest car insurance carriers by market share in the nation. If you are in the market for the best car insurance for 22-year-old drivers, comparing quotes from these 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
USAA $1,899 $1,733 $1,818
Geico $2,194 $1,993 $2,095
State Farm $2,455 $2,141 $2,298
American Family $2,722 $2,405 $2,563

USAA

USAA is known for its competitive premiums and high-quality customer service, but the company only sells insurance to members of the military and their families. If you qualify, USAA offers a few advantages to consider. In addition to low premiums, the company offers numerous discounts, including those for safe driving, good students, annual mileage and for owning a new car.

Learn more: USAA Insurance review

Geico

Geico’s low average rates are already competitive, but the company also has one of the longest 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.

Learn more: Geico Insurance review

State Farm

State Farm may appeal to 22-year-old drivers who value local agents. The company has over 19,000 agents nationwide, making it probable you have a local agent nearby. You might be able to lower your premium further with the company’s Steer Clear safe driving program, or by being a good student. State Farm also offers several other insurance products, if you are looking to expand your financial protection, and provides additional banking services.

Learn more: State Farm Insurance review

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 company 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.

Learn more: American Family 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 22-year-olds to operate on a strict budget. For the sake of comparison, if looking for the cheapest car insurance companies, these 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

Keep in mind that car insurance premiums are personalized. Your own 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 car insurance for 22-year-olds might be more expensive than it is for older drivers, there are several ways you may be able to lower your premium.

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 tickets you have, 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, this practice 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 insurance for your needs. Shopping around, taking advantage of discounts and practicing safe driving skills can help you to find and maintain a low premium. Working with a licensed 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 a different set of specific car insurance factors and considerations, no one company will be the best for every driver. This is why it is important to know what matters to you when it comes to a car insurance company, and why you should obtain quotes from several insurance providers.

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 still the same as their parents’ home address. However, if the 22-year-old driver moves out of their parents’ household, they will likely need to obtain their own car insurance.

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

The car you drive does impact your insurance rates. Factors like the year, make, model, style and value of your vehicle may all be used in calculating a premium. Companies might also consider how likely it is that your car will be stolen and the cost of repairs for the vehicle you own.

How fast can I get car insurance?

If you have all the necessary information to complete an application, you can generally get car insurance the same day you get a quote. Many companies offer online quotes and applications, but in some cases you may need to call a company or visit a local agency. The length of time it takes to get a policy in those cases will depend on the company or agency’s operating hours and how quickly an agent can do a quote.

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: the following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, 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.

Written by
Cate Deventer
Insurance Editor
Cate Deventer is a writer, editor and insurance professional. She is currently pursuing a Bachelor’s degree in English with a concentration in professional and technical writing from Indiana University East. She began writing for Bankrate in January 2021 and has nearly a decade of experience in the insurance industry as a licensed insurance agent. Cate has worked with over a dozen insurance companies and is experienced with auto, home, flood, umbrella and life insurance.
Edited by
Insurance Editor