Car insurance for 22-year-olds

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

By the time a driver is 22-years-old, insurance companies begin to view them differently than they would a teenager. While they are still viewed as a higher potential risk than older drivers, 22-year-olds likely have several years of driving experience. This separates them from higher-risk teen drivers and allows insurance companies to begin to charge them lower premiums.

Bankrate uses Quadrant Information Services to obtain up-to-date premium information, including information for average premiums by age, gender and state. Knowing the average premium for 22-year-olds and what discounts you may be able to take advantage of can give you a greater sense of control when it comes to your auto insurance premium.

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

The average full coverage car insurance premium for a 22-year-old American driver on their own policy is $2,664 per year, which breaks down to $222 per month. Between your teenage years and the age of 25, 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 this lack of experience. 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 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 of all ages 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
$2,828 $2,495

In some states, insurance companies are barred from using gender when calculating premium. In most areas of the country, though, your gender will affect how much you pay for insurance.

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

Insurance rates vary from state to state, so knowing both the national average premium for your age group as well as your state’s average premium may be helpful. 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 of a certain 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 $3,040 $2,609 $2,824
Alaska $2,811 $2,347 $2,579
Arizona $2,637 $2,394 $2,515
Arkansas $3,231 $2,744 $2,987
California* $3,234 $3,217 $3,225
Colorado $3,311 $2,874 $3,093
Connecticut $2,915 $2,429 $2,672
Delaware $2,890 $2,583 $2,737
District of Columbia $3,162 $2,679 $2,921
Florida $4,163 $3,764 $3,964
Georgia $3,698 $3,072 $3,385
Hawaii* $1,216 $1,216 $1,216
Idaho $1,971 $1,715 $1,843
Illinois $2,657 $2,289 $2,473
Indiana $2,300 $1,974 $2,137
Iowa $2,117 $1,829 $1,973
Kansas $2,876 $2,507 $2,691
Kentucky $3,975 $3,359 $3,667
Louisiana $4,537 $4,015 $4,276
Maine $1,546 $1,306 $1,426
Maryland $3,186 $2,663 $2,925
Massachusetts* $1,716 $1,716 $1,716
Michigan* $4,110 $4,102 $4,106
Minnesota $2,789 $2,499 $2,644
Mississippi $2,949 $2,490 $2,719
Missouri $2,935 $2,520 $2,727
Montana* $2,939 $2,940 $2,940
Nebraska $2,531 $2,154 $2,342
Nevada $3,786 $3,274 $3,530
New Hampshire $2,108 $1,719 $1,913
New Jersey $2,982 $2,565 $2,774
New Mexico $2,407 $2,117 $2,262
New York $3,730 $3,189 $3,459
North Carolina* $1,554 $1,554 $1,554
North Dakota $2,159 $1,808 $1,984
Ohio $2,082 $1,758 $1,920
Oklahoma $2,970 $2,631 $2,800
Oregon $2,236 $2,030 $2,133
Pennsylvania* $2,700 $2,700 $2,700
Rhode Island $3,218 $2,740 $2,979
South Carolina $2,621 $2,262 $2,441
South Dakota $2,655 $2,338 $2,496
Tennessee $2,517 $2,144 $2,330
Texas $3,383 $2,713 $3,048
Utah $2,330 $2,030 $2,180
Vermont $2,145 $1,849 $1,997
Virginia $2,358 $1,969 $2,164
Washington $2,136 $1,833 $1,985
West Virginia $2,689 $2,322 $2,506
Wisconsin $1,998 $1,777 $1,887
Wyoming $2,601 $2,086 $2,343

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

Cheapest car insurance companies for 22-year-olds

Different car insurance companies charge different rates for 22-year-old drivers because each company has a different algorithm for determining rates. Additionally, some companies may offer more robust discounts for young drivers.

Out of the most popular car insurance carriers, these companies offer among the lowest rates for 22-year-old drivers.

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
Erie Insurance $2,084 $1,798 $1,942
Geico $2,194 $1,993 $2,095
Nationwide $2,305 $2,062 $2,186

USAA

USAA is known for its low premiums and high-quality customer service, but the company only sells insurance to members of the military and their families. If you qualify, USAA may be a good place to start your insurance search. The company says the average policyholder who switches their insurance to USAA saves just over $700 per year. In addition to low premiums, the company offers numerous discounts, including discounts for safe driving, good students, annual mileage and for owning a new car.

Erie Insurance

22-year-old drivers may want to consider Erie Insurance. It offers some of the most affordable premiums around and consistently receives high customer satisfaction scores. Erie ranked above average in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study. Erie sells insurance through a network of agents, but coverage is not available throughout the country. If you live in a state where Erie operates, you will need to contact an agent to get a quote.

Geico

Geico, which is a subsidiary of Berkshire Hathaway, is one of the largest car insurance companies in the country. Perhaps the biggest draw of Geico is its long list of available discounts. On top of low average premiums, 22-year-olds may be able to save additional money by taking advantage of discounts including good student, military and federal employee, vehicle safety equipment, seat belt use and more.

Nationwide

Nationwide is an established company with almost a century of experience. While the premiums offered to 22-year-olds might be higher than the other companies on our list, Nationwide has several discounts available to help keep costs down, including two usage-based discounts, SmartMiles and SmartRide. They also offer optional coverages to allow policyholders to customize their insurance, like gap coverage and roadside assistance.

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 practices not only keeps you, your passengers and those around you safe, it can help keep your auto insurance premiums low.

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 regulations, 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

To find the best car insurance for 22-year-old drivers, it may be helpful to think about factors that make an insurance company attractive to you. Do you want to bundle your car insurance with a homeowners, condo owners or renters insurance policy? How important to you are customer service scores? Do you want to be able to handle your insurance via a mobile app or company website, or would you rather have a local agent to talk to? Once you have determined what matters to you, you can request quotes from several companies that offer an insurance product that fits your needs. This will allow you to compare the premiums offered by multiple companies. Although premium is important, you may also want to consider the coverages and discounts each company offers, as well as customer service scores and financial strength.

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 their parents’ home. 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 may also consider how likely it is that your car will be stolen and the cost of repairs for the vehicle you own.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.