Find Cheap 22-Year-Old Auto Insurance Quotes
For a 22-year-old looking for the cheapest car insurance, we recommend Erie, USAA and Geico. Erie offers the cheapest car insurance rates for 22-year-old drivers at $1,922 per year for full coverage, based on our analysis of thousands of rates across multiple states.
How much is car insurance for a 22-year old?
The average cost of car insurance for 22-year-olds is $4,304 per year, or $359 per month, for full coverage.
We found Erie Insurance, which is available in 13 states nationwide, has the cheapest rate for a 22-year-old at an average cost of $1,922 per year for full coverage. USAA comes in second at a rate of $1,999 per year, though only current and former members of the military and their families can qualify for a USAA policy.
With a rate of $2,317 per year, Geico is the cheapest car insurance company for 22-year-olds that is available in all 50 states.
Find Cheap 22-Year-Old Auto Insurance Quotes
The significant variation in prices across insurers illustrates why young drivers should always shop around for auto insurance quotes.
Cost of car insurance for 22-year-old male and female drivers
Car insurance for a 22-year-old male driver costs on average $4,425 per year, compared to $4,183 per year for a 22-year-old female driver. The average price of car insurance is typically more expensive for young male drivers because they tend to get in more accidents.
Annual cost - male driver
Annual cost - female driver
Several states bar insurance companies from using gender to calculate car insurance premiums. These states include California, Hawaii, Massachusetts, Montana, North Carolina and Pennsylvania, as well as parts of Michigan. This means that if all else is equal, 22-year-old male and female drivers should pay the same rates in these areas.
The average cost of car insurance by age
The average annual cost of car insurance for a 22-year-old is $4,304, or nearly $359 per month. Since insurers consider drivers under 25 more risky, car insurance premiums can be particularly costly for this age group. However, just a few years of age difference can have a large impact on rates.
For example, when you turn 22, you'll likely see your annual rate drop by an average of $307.
Cheapest auto insurance company for 22-year-olds by state
We found that Geico offers the cheapest rates in four of our nine sample states. However, these are average rates, and the best way to find the cheapest rate for yourself is to shop around.
USAA was excluded, as policies are only available for current or former military members and their families.
Cost of car insurance for 22-year-olds by state
The average cost of auto insurance varies significantly by state. North Carolina offers the cheapest car insurance for 22-year-olds at $1,751 per year, which is $2,553 cheaper than the average. On the other hand, auto insurance policies in Michigan are by far the most expensive for 22-year-olds, coming in at $8,234 above the average.
How to shop for cheap car insurance as a 22-year-old
Comparing quotes from multiple insurers is often the best way to find cheap car insurance. Insurers use many variables to determine auto insurance rates, such as your driving record, prior history of claim filings, age, vehicle type and more. Given the variability of factors affecting car insurance premiums, the insurance company that offers the cheapest rate for one individual is often different from the cheapest insurer for someone else.
A 22-year-old may also benefit from remaining on their parents' policy as long as possible and taking advantage of potential discounts. A combined family policy may be more expensive for your parents; however, the total cost tends to be substantially cheaper than if you were to pay for two different policies. You can stay on your parents' auto insurance as long as you live in the same house or go to school full time.
Common car insurance discounts available to 22-year-old drivers include:
The type and amount of a discount can vary substantially across insurers and locations, which is another reason to shop around for auto insurance quotes.
You can also get a ball park estimate of the cost of insurance by using our car insurance calculator.
This analysis used car insurance quotes from thousands of ZIP codes across nine of the most populated states in the U.S. Sample drivers were 22-year-old men and women who drove a 2015 Honda Civic EX. Both drivers had a clean driving record.
The full coverage policy limits were:
|Bodily injury liability||$50,000 per person/$100,000 per accident|
|Property damage liability||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
|Personal injury protection (PIP)||Minimum when required by state|
The study included 29 insurers, though car insurance premiums were only included in the analysis if their policies were available in at least three of the nine states.
ValuePenguin's analysis collected insurance rate data from Quadrant Information Services. The rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different from the averages we calculated.