Car Insurance Costs for 22-year-old Male and Female Drivers

Car Insurance Costs for 22-year-old Male and Female Drivers

Find Cheap 22-Year-Old Auto Insurance Quotes

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The average cost of car insurance for 22-year-olds is $4,304 per year, or approximately $359 per month, for full coverage. For a 22-year-old looking for the cheapest car insurance, we recommend Erie, USAA and Geico.

We found that 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 nine states. To ensure you get the best rate, compare car insurance quotes yourself and find eligible discounts, as rates for 22-year-olds can vary by $5,277 per year across insurers.

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

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.

This graph ranks car insurance quotes for 22-year-olds across varying insurers

Find Cheap 22-Year-Old Auto Insurance Quotes

Currently insured?

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

Insurer
Annual Cost
Geico logo
Erie$1,922
USAA logo
USAA$1,999
Geico logo
Geico$2,317
Nationwide logo
Nationwide$2,820
Progressive logo
Progressive$3,323
Show All Rows

*USAA is only available to current and former military members and their families.

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.

Age
Annual cost - male driver
Annual cost - female driver
19$6,468$5,895
20$5,777$5,258
21$4,784$4,439
22$4,425$4,183

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.

Age
Average annual premium
18$7,396
19$6,182
20$5,517
21$4,611
22$4,304
23$4,021
24$3,765
25$3,348

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.

State
Average 22-year-old annual premium
North Carolina$1,751
Ohio$2,350
California$2,502
Illinois$3,339
Georgia$3,662
New York$3,804
Texas$4,050
Florida$4,687
Michigan$12,538
Average$4,304

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.

Methodology

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:

Coverage type
Study limits
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.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.