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How much is car insurance for 22-year-olds?

Fact-checked with HomeInsurance.com

    Article Highlights

    The national average cost of insurance is $1,555. Many factors will affect the price of your car insurance, with age being one of the most significant factors. Car insurance for a 22-year-old driver is typically higher because younger drivers have less driving experience. 

    Although you can’t change your age, you can save money by choosing the right insurance company and taking advantage of discounts. This article explores rates, rate impacts and discounts for 22-year-old drivers.

    Car insurance for 22-year-olds

    22-year-old drivers will see significantly higher rates than the national average. The average cost for this age group is $2,716 — nearly double the national average of $1,555 per year. Despite being high, this rate is actually a dramatic improvement from the average cost of car insurance for a teen driver, which costs $4,048 for a male and $3,819 for a female when added to a parent’s policy, and $5,335 on average for 18-year-olds on their own policy.

    Overall, you’ll notice that your car insurance premiums drop in price as you get older and have more driving experience under your belt.

    $2,716

    The average annual cost for this age group is

    22-year-old car insurance rates: male vs female

    Female drivers typically pay less for car insurance than males, especially in the earlier years. Younger male drivers are statistically more likely to speed or drink alcohol and die in nearly three times more car crashes than females. Therefore, premium price differences between genders are high when drivers are younger. As drivers approach the age of 30, the gap gradually closes. At 22 years old, the gap accounts for about $300.

    Annual rate for 22-year-old

    GenderAverage annual rate for 22-year-olds
    Female$2,592
    Male$2,839

    Quadrant information services, 2020

    How much is car insurance for 22-year-olds in my state?

    The cost of car insurance for a 22-year-old male or female can vary significantly from one state to another. Each state has its own liability amounts and requirements, which could affect the cost of car insurance. Take a look at the table for a quick view at how much car insurance can vary by state. 

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

    State Average annual rate for 22-year-old femaleAverage annual rate for 22-year-old maleOverall average annual rate for 22-year-old
    Alaska$2,385$2,840$2,613
    Alabama$2,001$2,300$2,151
    Arkansas$1,990$2,266$2,128
    Arizona$2,238$2,514$2,376
    California$2,671$2,747$2,709
    Colorado$2,258$2,519$2,388
    Connecticut $2,776$3,162$2,969
    District of Columbia$2,583$3,023$2,803
    Delaware $2,646$2,889$2,768
    Florida $3,466$3,774$3,620
    Georgia$2,331$2,638$2,485
    Hawaii$1,127$1,130$1,129
    Iowa$1,503$1,679$1,591
    Idaho$1,418$1,590$1,504
    Illinois$2,241$2,600$2,421
    Indiana$1,663$1,931$1,797
    Kansas$2,005$2,254$2,129
    Kentucky $2,467$2,756$2,612
    Louisiana $3,567$3,890$3,728
    Massachusetts$1,966$1,966$1,966
    Maryland$2,909$3,490$3,199
    Maine$1,012$1,140$1,076
    Michigan$5,091$5,135$5,113
    Minnesota$2,190$2,447$2,318
    Missouri$2,290$2,559$2,424
    Mississippi$2,111$2,424$2,267
    Montana$2,054$2,057$2,055
    North Carolina$1,346$1,344$1,345
    North Dakota$1,826$2,163$1,995
    Nebraska $1,733$1,934$1,834
    New Hampshire $1,735$2,018$1,877
    New Jersey$3,366$3,896$3,631
    New Mexico$1,933$2,122$2,027
    Nevada$3,318$3,706$3,512
    New York$4,177$4,641$4,409
    Ohio$1,436$1,601$1,518
    Oklahoma $2,166$2,433$2,299
    Oregon $1,980$2,123$2,051
    Pennsylvania $2,519$2,517$2,518
    Rhode Island$2,701$3,012$2,856
    South Carolina $1,859$2,087$1,973
    South Dakota$1,933$2,176$2,054
    Tennessee$1,754$1,948$1,851
    Texas$3,077$3,519$3,298
    Utah $1,843$2,049$1,946
    Virginia$1,539$1,783$1,661
    Vermont$1,355$1,540$1,447
    Washington$1,580$1,814$1,697
    Wisconsin$1,628$1,801$1,714
    West Virginia$2,211$2,561$2,386
    Wyoming$1,994$2,529$2,262

    Quadrant information services, 2020

    Most expensive states for car insurance for 22-year-olds

    According to the Quadrant data findings, the five most expensive states for car insurance for 22-year-old are:

    1. Michigan ($5,113)
    2. New York ($4,409)
    3. Louisiana ($3,728)
    4. New Jersey ($3,631)
    5. Florida ($3,620)

    These states are the most expensive due to the number of accidents, population density and other unique factors. Michigan, New York and New Jersey are no-fault states, which have caused insurance rates to increase dramatically. Besides liability insurance, the state requires all drivers to have personal injury protection to pay for an unlimited amount of medical benefits. 

    Louisiana’s rates are among the highest because of the many vehicle-related lawsuits and payouts. Florida’s car insurance rates are high because of the number of uninsured drivers, who represent a quarter of the drivers in the state.

    Least expensive states for car insurance for 22-year-olds

    The findings indicate the five least expensive states are:

    • Maine ($1,076)
    • Hawaii ($1,129)
    • North Carolina ($1,345)
    • Vermont ($1,447)
    • Idaho ($1,504)

    The least expensive states are less populated, which means fewer accidents and claims.  Lower population density, number of drivers and accident statistics mean lower rates. Although Maine, Vermont and Idaho have cold winters, drivers in the state don’t have too many losses or damages from snow and ice.

    Car insurance rates by insurance carrier for 22-year-olds

    Breaking down car insurance for 22-year-old drivers by insurer shows which companies are the most affordable for younger drivers. The cheapest car insurance for 22-year-old male and female drivers is from Erie, USAA and Geico, with The Hanover being the most expensive option by a substantial margin.

    Erie and Geico are both great options for 22-year-old drivers. Both companies are known for good customer service and plenty of insurance options and discounts. USAA is also excellent, but is only available to active duty or retired military and their family members who become members.

    Compare the average cost of car insurance for a 22-year-old driver by insurance provider and gender in the table below. Use the figures as a guideline, but always get several quotes to find the best insurer for your specific needs.

    Company Average annual rate for 22-year-old femaleAverage annual rate for 22-year-old male

    Overall average annual rate for 22-year-olds
    Erie$1,601$1,834$1,717
    USAA$1,816$1,992$1,904
    GEICO$2,079$2,214$2,147
    Nationwide$2,235$2,512$2,374
    Travelers$2,548$2,833$2,690
    AAA$2,662$2,721$2,691
    Progressive$2,647$2,834$2,740
    Allstate$2,888$3,177$3,032
    State Farm$2,900$3,326$3,113
    Farmers$3,382$3,691$3,536
    MetLife$3,403$3,874$3,639
    The Hanover$7,167$7,753$7,460

    How to get cheap car insurance for 22-year-olds

    There are a few ways you can save on your car insurance when you’re 22. Consider the following ideas:

    Choose the right car

    Sports cars and SUVs are typically more expensive to insure than a Honda Civic, for example. Look for vehicles that have high crash test ratings and good driver safety equipment — such as airbags — to reduce the cost of your car insurance. A hybrid or compact car is a good option. 

    Look for discounts

    Do you know you can save 25% off your car insurance just by paying your bills early or parking your car in a covered garage? Some of the most common car insurance discounts include:

    Sign up for a defensive driving course

    A young driver’s car insurance is higher because new drivers are statistically more prone to accidents due to lack of driving experience. One way to compensate is to sign up for a defensive driving safety course. Most are online and take a few hours to complete, but passing one can help you get a discount on your auto insurance.

    Raise your deductible

    Consider raising the deductible amount you’d pay out of pocket if you file a claim to lower your insurance premiums. You will see the highest savings on your monthly premium by raising your deductible on collision coverage but remember that if you’re in an accident or need to file a claim for damage, you’ll have to pay the higher deductible amount out of pocket.

    Car insurance rates for 22-year-olds with good student discount  

    The good student discount offers significant savings for 22-year-olds if still enrolled in college or grad school. In this age range, you can save an average of 7% per year on insurance by taking advantage of a good student discount:

    Rate with discount: $2,530

    Rate without discount: $2,716

    Savings: 7%

    In what states does the good student discount save you the most?

    Students will see the highest savings with the good student discount in the states of Wyoming, Minnesota, Maine and Vermont. There are a few reasons the discounts are higher in those states, including more insurers competing for your business or a concentration of student drivers.

    Good student discount savings

    State Average annual rate for 22-year-olds with discountAverage annual rate for 22-year-olds without discountSavings
    Wyoming $1,976 $2,26214%
    Vermont $1,282 $1,44713%
    Minnesota $2,053 $2,31813%
    Maine $954 $1,07613%
    North Dakota $1,804 $1,99511%
    Illinois $2,193 $2,42110%
    Idaho $1,370 $1,50410%
    Florida $3,304 $3,62010%
    Montana $1,878 $2,0559%
    Rhode Island $2,617 $2,8569%

    The takeaway

    • The cost of car insurance for a 22-year-old is higher than the national average, but much lower than the cost for a teen driver.
    • Car insurance for 22-year-olds can vary by state and insurance company.
    • Insurance for male drivers is more expensive than for females because young males are higher risk drivers. 
    • Discounts such as the good student discount can result in significant savings on a costly policy.

    Getting car insurance for young adult drivers isn’t always very affordable. A 22-year-old may pay double the national average cost of car insurance. However, there are things you can do to reduce your insurance premiums, such as taking advantage of good student and defensive driving course discounts. The good news is, you’ll see your car insurance costs reduce with every passing year, so hang in there and stay accident-free.

    Methodology 

    Coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states including Washington D.C. Quoted rates are based on the profiles of a 22-year-old male and female, each with a clean record driving a 2016 Honda Civic. The drivers had the following coverage details:

    • $50k bodily injury liability per person
    • $100k bodily injury liability coverage per crash
    • $50k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible 

    To look at the effect of a good driver discount, we analyzed rates for the profile both with and without the discount applied. These rates should be used to inform your car insurance shopping process, but note that your actual rates may differ.

    Cynthia Paez Bowman

    Writer

    Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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