Car Insurance Costs for 22-year-old Males and Females

Find the Cheapest Auto Insurance Quotes in Your Area

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The average cost of car insurance for 22-year-olds is $4,128 per year, or approximately $350 per month. 22-year-olds typically pay about $300 less than 21-year-olds ($4,453) and about $300 more than 23-year-olds ($3,840). Young drivers under 25, especially teens, generally pay more for auto insurance relative to older drivers. For 22-year-old men and women looking for cheap car insurance, we recommend USAA, Erie and GEICO.

This study compares the average cost of car insurance for 22-year-olds by gender, company and state, but young drivers should only use this analysis as a general framework to shop around for car insurance. To find cheap car insurance coverage, we recommend comparing quotes and identifying eligible discounts from multiple insurers.

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

The average annual cost of car insurance for a 22-year-old is $4,128, or nearly $350 per month.

Car insurance premiums can be particularly costly for drivers under 25; however, just a few years of age difference can have a large impact on rates. The average car insurance cost for 22-year-olds is more than $3,000 cheaper than that of 18-year-olds and almost $1,000 more expensive than that of 25-year-olds.

AgeAverage annual premium
18$7,179
19$6,021
20$5,333
21$4,453
22$4,128
23$3,840
24$3,597
25$3,207

Comparing the costs of car insurance for 22-year-old males and females

Car insurance for a 22-year-old male costs $4,274 on average, compared to $3,983 for a 22-year-old female.

The average price of car insurance is typically more expensive for men relative to women, and rate disparities are often larger among younger drivers and teenagers. 22-year-old males, as well as those of surrounding ages, often pay 7-9% more on car insurance than their female peers.

AgeAnnual premium - maleAnnual premium - femalePercent difference
21$4,647$4,2589%
22$4,274$3,9837%
23$3,965$3,7167%

Several states and local municipalities, however, bar insurance companies from charging car insurance premiums based on gender. These include California, Hawaii, Massachusetts, Montana, North Carolina and Pennsylvania, as well as parts of Michigan. Given that gender cannot be used to determine rates in these areas, men and women of any age should pay similar car insurance premiums.

Which companies offer the cheapest car insurance for 22-year-olds?

Premiums for 22-year-olds differ substantially by insurer. USAA and Erie offer the cheapest car insurance for 22-year-olds at $1,903 and $1,954 in annual premiums, respectively. These rates are approximately $4,500 more affordable than the most expensive insurer in our sample, Allstate, which charges $6,428.

The significant variation in prices across insurers illustrates why young drivers should always shop around for auto insurance quotes.

InsurerAnnual premium
USAA$1,903
Erie$1,954
GEICO$2,533
Nationwide$2,913
Progressive$3,577
State Farm$3,681
Allstate$6,428

Notably, USAA offers the cheapest auto insurance rates for 22-year-olds in our sample, though only current and former members of the military and their families are eligible for car insurance policies at the company. Erie's car insurance rates are not far behind USAA, though the Erie's policies are only available in 13 states. GEICO was the largest national insurer offering relatively cheap auto insurance.

Cheap car insurance for 22-year-olds by state

The average cost of auto insurance varies markedly by state. Below we compare average car insurance prices for the 10 largest states by population and identify the insurers offering the cheapest auto insurance policies in each.

North Carolina offers the cheapest car insurance for 22-year-olds at $1,728, or approximately a third of the national average. Auto insurance policies in Michigan were by far the most expensive state for 22-year-olds, at an annual cost of $12,013, or nearly three times the national average.

StateAverage annual premium for 22-year-old
North Carolina$1,728
Ohio$2,603
Pennsylvania$2,706
California$2,781
Illinois$3,259
Texas$3,430
New York$3,707
Georgia$4,040
Average cost of car insurance$4,128
Florida$5,017
Michigan$12,013

For each of the 10 largest states by population, we identified the cheapest car insurance companies for 22-year-olds.

The cheapest auto insurance company for 22-year-olds in the 10 most populated states

StateInsurerAverage annual premium
CaliforniaGEICO$2,381
FloridaGEICO$3,485
GeorgiaGeorgia Farm Bureau$2,133
IllinoisState Farm$2,022
MichiganProgressive$4,655
New YorkGEICO$2,779
North CarolinaGEICO$600
OhioGEICO$1,734
PennsylvaniaErie$2,016
TexasState Farm$2,333
USAA was excluded, as policies are only available for current or former military members and their families. Without its exclusion, it offers the cheapest car insurance for 22-year-olds in Georgia, Illinois, Michigan, New York, Pennsylvania and Texas.

Shopping 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 very different for others.

22-year-olds may also benefit from remaining on their parents' policies 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 distinct policies.

Common car insurance discounts available to 22-year-old drivers include each of the following:

  • Be a good student.
  • Pass a defensive driving course.
  • Maintain a good credit score.
  • Keep a clean driving record.

The type of discount available and appropriate reduction in cost can vary substantially across insurers, further highlighting the benefit of shopping around for auto insurance quotes.

Methodology

This analysis used car insurance quotes from thousands of ZIP codes across the 10 largest states in the U.S. by population. Sample drivers were 22-year-old men and women who drove a 2015 Honda Civic EX. All other variables affecting the cost of car insurance were consistent, including that drivers were single and had a clean driving record. Coverage levels in the full coverage car insurance policy, including liability insurance, are listed below. These coverage levels are slightly higher than any individual state's minimum coverage requirements:

Coverage TypeStudy Limits
Bodily Liability$50,000 per person/ $100,000 per accident
Property Damage$25,000 per accident
Uninsured/Underinsured Motorist BI$50,000 per person/ $100,000 per accident
Comprehensive & Collision$500 Deductible
Personal Injury Protection (PIP)Min. When Required by State

The study included 23 insurers, though car insurance premiums were only included in the analysis if their policies were available in at least three of the 10 states.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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