How much does car insurance cost for a 22-year-old?
The average car insurance rates for a 22-year-old are $217/mo or $2,596 annually. The average monthly auto insurance rates for a 22-year-old are affected by the state in which you live, your age, the coverage level you require, your education level, and sometimes even your gender. You can get affordable car insurance for a 22-year-old by shopping around, applying for discounts and driving safely.
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Ty Stewart
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 3, 2024
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Most 22-year-old drivers pay around $217 per month or $2,596 annually on car insurance, compared to the national average of $84 per month or $1,009 per year.
- Statistically, 21- to 24-year-old drivers cause the second-highest ratio of car accidents, directly behind teen drivers.
- Cheap car insurance for 22-year-old drivers can be secured by knowing the minimum coverage requirement, being aware of low-income car insurance options in your state, and considering staying on your parent’s policy.
The average car insurance cost per month for a 22-year-old is $84 or $1,009 annually. While rates are lower than what teen drivers pay, drivers under the age of 25 who still lack driving experience could pay much higher than average monthly premiums than older drivers.
Car insurance companies are very mindful of the time it takes to become a skillful driver. Therefore, drivers who are part of high-risk driver groups receive higher insurance rates.
Are all car insurance companies the same when it comes to pricing for 22-year-olds? No, every company uses a unique formula when calculating rates.
What’s a typical car insurance quote for a 22-year-old? Depending on the state you live in, your driving record, the level of coverage you require, and what kind of car you drive, your rates might be around $217 per month or $2,596 per year. Even your gender can impact what you’ll pay for car insurance as a 22-year-old.
From choosing the right level of auto insurance coverage to knowing about low-income insurance options to considering staying on your parent’s policy, there are plenty of ways 22-year-olds can save money.
Before you buy car insurance for a 22-year-old, start comparing car insurance rates and get car insurance quotes for a 22-year-old right now by entering your ZIP code into our FREE quote tool above.
How much does car insurance cost for a 22-year-old?
The average cost of car insurance in the U.S. is $84 per month or $1,009 annually. But how much is car insurance for a 22-year-old? The average cost for this age group is closer to $217 per month or $2,596 per year.
Read more: The Average Cost of Car Insurance by Age
Statistically, younger drivers cause the most accidents even though they drive less than other age groups. However, data reported by the Insurance Institute for Highway Safety proves that drivers under the age of 20 have crash rates four times higher than drivers over the age of 20. (For more information, read our “Car Insurance for Any Driver Over 21“).
You may be wondering, then, why insurance rates for 22-year-old drivers are still so high? Especially if the data shows, they are a more responsible group of drivers than their younger counterparts.
When determining how much a basic or full coverage insurance policy will cost a 22-year-old, there are many factors insurance companies consider besides age.
The state you live in, your driving history, the type of car you drive, and in some cases, even your gender has an impact on your rates.
Read more: How much will insurance for a 24-year-old cost?
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How much does car insurance cost for a 22-year-old male vs. female?
Auto insurance for 22-year-old males versus the average auto insurance rates for 22-year-old females is slightly different in some areas. Look at the following table as an example, which compares the average car insurance rates by age and gender for 22-year-old drivers.
Average Monthly Car Insurance Rates for 22-Year-Old Drivers by Gender
| Company | 22-Year-Old Female | 22-Year-Old Male |
|---|---|---|
| USAA | $112.00 | $125.00 |
| Geico | $165.00 | $167.00 |
| Progressive | $196.00 | $202.00 |
| State Farm | $227.00 | $259.00 |
| Allstate | $236.00 | $223.00 |
| Liberty Mutual | $300.00 | $384.00 |
According to the data, the average monthly car insurance for a 22 year old male costs $226, and the average monthly car insurance for a 22 year old female costs $206.
As you can see, USAA car insurance offers the lowest rates but only active or retired military personnel and their families are eligible to use services from this company. Geico and Progressive also offer competitive rates for 22-year-old drivers.
Read more: Does being retired affect car insurance?
Fortunately, there are ways to lower your car insurance rates if you are 22 years old. If you are still in college, you can apply for good student discounts. You might also consider taking a driver’s education course in exchange for a car insurance discount.
Car Insurance Rates for 22-Year-Old Drivers by State
Remember, the state you live in will drastically impact your average car insurance rates, regardless of age. Car insurance rates will cost more in states with higher auto theft rates, more traffic congestion, and higher accident rates. Rural states with lower population densities tend to have better average car insurance costs.
Look at the table below, which shows the average annual rates for car insurance by state from the least expensive to the most expensive.
Average Annual Car Insurance Rates by State
| State | Average Annual Car Insurance Rates |
|---|---|
| Alabama | $868 |
| Alaska | $1,027 |
| Arizona | $972 |
| Arkansas | $906 |
| California | $986 |
| Colorado | $981 |
| Connecticut | $1,151 |
| Delaware | $1,240 |
| District of Columbia | $1,330 |
| Florida | $1,257 |
| Georgia | $1,048 |
| Hawaii | $873 |
| Idaho | $679 |
| Illinois | $884 |
| Indiana | $755 |
| Iowa | $702 |
| Kansas | $862 |
| Kentucky | $938 |
| Louisiana | $1,405 |
| Maine | $703 |
| Maryland | $1,116 |
| Massachusetts | $1,129 |
| Michigan | $1,364 |
| Minnesota | $875 |
| Mississippi | $994 |
| Missouri | $872 |
| Montana | $863 |
| Nebraska | $831 |
| Nevada | $1,103 |
| New Hampshire | $818 |
| New Jersey | $1,382 |
| New Mexico | $937 |
| New York | $1,360 |
| North Carolina | $789 |
| North Dakota | $773 |
| Ohio | $788 |
| Oklahoma | $1,005 |
| Oregon | $904 |
| Pennsylvania | $970 |
| Rhode Island | $1,303 |
| South Carolina | $973 |
| South Dakota | $766 |
| Tennessee | $871 |
| Texas | $1,109 |
| Utah | $872 |
| Vermont | $764 |
| Virginia | $842 |
| Washington | $968 |
| West Virginia | $1,025 |
| Wisconsin | $737 |
| Wyoming | $847 |
This data includes rates that drivers of all ages pay in each of the states. People living in Idaho, Maine, Virginia, pay much less for car insurance than folks living in Louisiana, Michigan, or Florida.
To get a better idea of what a 22-year-old might pay, we’ll explore rates by age in specific low-cost, mid-cost, and high-cost states in the next few sections.
Read more:
- Minnesota Car Insurance (Coverage, Companies, & More)
- New York Car Insurance
- South Carolina Car Insurance (Coverage, Companies, & More)
- Mercury Insurance Company of Illinois Car Insurance Review
- Iowa Car Insurance [Rates + Cheap Coverage Guide]
- Florida Car Insurance [Rates + Cheap Coverage Guide]
Car Insurance Costs for 22-Year-Old Drivers in the Low-Cost States
Let’s explore what a 22-year-old driver will likely pay in a state where car insurance rates are lower than average. We will use Idaho for our example, which ranks 48 in a nationwide survey of the most expensive car insurance prices.
Take a look at the following table, which provides details about two hypothetical drivers, Justin and Jessica, both age 22 and living in Boise, Idaho.
22-Year-Old Driver Car Insurance Details
| Details | Justin (male) | Jessica (female) |
|---|---|---|
| Age | 22-years-old | 22-years-old |
| City, state | Boise, Idaho | Boise, Idaho |
| Car make and model | 2005 Ford Taurus | 2020 Ford Fiesta |
| Car insurance policy limits | BIL: $25,000/$50,000 PDL: $15,000 UM/UIM bodily injury: $25,000/$50,000 UM/UIM property damage: $15,000 | BIL: $50,000/$100,000 PDL: $25,000 UM/UIM bodily injury: $50,000/$100,000 UM/UIM property damage: $25,000 Towing allowance: $50.00 Deductible: $500 |
| Average monthly car insurance rate | $63 | $133 |
Notice that even though he’s male, Justin’s average rate is lower than Jessica’s. This is because he is trying to purchase a very basic insurance policy that only has the state’s minimum car insurance requirements.
Jessica purchased higher liability limits than Justin and bought GAP insurance because she’s financing her new Ford Fiesta. Her GAP coverage only added around $8 to $15 to her annual rates and will cover the difference between what is left on her auto loan and her car’s actual cash value if it gets totaled in an accident.
Justin only carries liability coverage. If Justin is at-fault in a car accident, he would not receive any payments for his bodily injury or damage to his vehicle.
His uninsured/underinsured motorist protection only kicks in if he was involved in an accident with a driver who had no insurance or not enough insurance to meet Idaho’s legal requirements.
Average Monthly Car Insurance Rates for a 22-Year-Old Male in Boise, Idaho
Look at the table below to see what specific car insurance companies in Boise would charge Justin as a monthly payment for his very basic policy.
Boise, Idaho Average Monthly Car Insurance Rates for a 22-Year-Old Male
| Company | Average Monthly Car Insurance Rates |
|---|---|
| Geico | $36.00 |
| State Farm | $46.00 |
| American Family | $54.00 |
| Allstate | $58.00 |
| Farm Bureau | $60.00 |
| Safeco | $75.00 |
| Progressive | $108.00 |
Geico and State Farm both provide quotes for under $50 per month, which is not bad if you’re on a tight budget. However, to get such a low cost, Justin has to sacrifice coverage.
For example, if Justin’s vehicle gets damaged by a hail storm or flood, he does not have any comprehensive coverage to pay for those damages.
Similarly, if he hits a patch of black ice and collides head-on with a tree, he has no collision coverage to help him pay for damages to his vehicle.
Read more: Why is my car insurance quote so high?
Average Monthly Car Insurance Rates for a 22-Year-Old Female in Boise, Idaho
Now take a look at what those same insurance companies would charge Jessica for her policy. Remember, she drives a brand new Ford Focus, whereas Justin insured a much older 2005 Ford Taurus.
Boise, Idaho Average Monthly Car Insurance Rates for a 22-Year-Old Female
| Company | Average Monthly Car Insurance Rates |
|---|---|
| Geico | $93.00 |
| State Farm | $104.00 |
| Farm Bureau | $126.00 |
| American Family | $131.00 |
| Allstate | $136.00 |
| Safeco | $170.00 |
| Progressive | $175.00 |
Not only will Jessica be better protected with her policy, but she’s also driving a much newer car. Her GAP insurance will prevent her from falling into a financial crisis if her vehicle is ever deemed a total loss in an accident.
Car Insurance Cost for 22-Year-Old Drivers in Mid-Priced State
Now we will use California as our middle-priced state for car insurance. This time, we’ll include a low-income example and an example of a 22-year-old who chooses to stay on his parent’s policy. Our hypothetical drivers are Cynthia and Nick; again both are 22-years old and live in Elk Grove.
Cynthia’s income is low enough to qualify for California’s low-income car insurance program, which is available to qualifying licensed drivers. Keep in mind that low-income car insurance is only available in some states, however.
Elk Grove is in Sacramento County, which means that Cynthia can get car insurance for $261 per year with this particular program. She can finance the policy with a 20% down payment and pay seven more monthly installments of only $29.83. (For more information, read our “Cheap Full Coverage Auto Insurance With No Down Payment“).
California’s low-cost car insurance program only covers up to $10,000 per person and $20,000 per accident in bodily injury liability coverage, and up to $3,000 in property damage liability. For 22-year-old drivers in financial situations like Cynthia, this program protects her if she causes an accident and must pay for the other driver’s damages.
Uninsured motorist coverage and limited amounts of collision and comprehensive coverage can be added to California’s low-income policy through an agent for additional costs. However, not everyone can afford those extra coverage levels.
All car insurance agents in California are required to offer low-income coverage.
Like Cynthia, Nick is also 22 and lives in Elk Grove. Nick lives with his parents and drives a 2003 Subaru Legacy. Many young licensed drivers continue to take advantage of being part of a household of drivers to save on insurance costs.
Average Monthly Car Insurance Rates for a 22-Year-Old Male in Elk Grove, California
Nick pays his share of the family car insurance bill by writing a check to his parents. Examine the difference in monthly car insurance rates after Nick’s parents added him to their car insurance policy as a named driver in the table below.
Elk Grove, CA Increase in Average Monthly Car Insurance Rates Adding a 22-Year-Old Male
| Company | Average Monthly Car Insurance Rates | Average Monthly Rates with a 22-Year-Old Male Added | Total Difference |
|---|---|---|---|
| Geico | $131.00 | $214.00 | $83.00 |
| Allstate | $134.00 | $221.00 | $87.00 |
| 21st Century | $148.00 | $261.00 | $113.00 |
| USAA | $179.00 | $272.00 | $93.00 |
| Liberty Mutual | $184.00 | $355.00 | $171.00 |
| AAA | $193.00 | $285.00 | $92.00 |
| Mercury | $195.00 | $312.00 | $117.00 |
| Mid-Century | $209.00 | $398.00 | $189.00 |
| State Farm | $237.00 | $382.00 | $145.00 |
Read more:
- Mercury Insurance Company of Georgia Car Insurance Review
- Mercury Insurance Company of Florida Car Insurance Review
Nick will pay the difference in cost to his parents each month. The cost to add a younger driver to a car insurance policy varies by company. Only Geico, Allstate, USAA, and AAA charge less than $100 to add a 22-year-old to an existing policy.
If you chose to stay on your parent’s policy as a 22-year-old driver, the additional costs will be around 6% cheaper than if you got your policy.
Not every young driver has the option of staying on a parent’s policy. Fortunately, there are many discounts you can qualify for that will help keep your rates low.
Our hypothetical 22-year-old drivers living in California found ways to save enough on their car insurance rates so that they are actually paying less than the hypothetical drivers who live in Idaho.
As you can see, it is possible to secure cheap car insurance for 22-year-old females or males, as long as you are willing to put in the time, effort, and research to ensure you’re getting the best rates.
Read more: How much is car insurance under your parent’s policy?
Car Insurance Costs for 22-Year-Old Drivers in the High-Priced States
Finally, we’ll explore what a 22-year-old should expect to pay for car insurance in a high-price state like Florida. Our hypothetical driver is named Andrew, and he drives a 2007 Mazda CX 7.
His car is his most valuable asset, so he wants a full coverage policy that includes the Florida state minimum car insurance requirements, as well as collision and comprehensive coverage.
In this example, however, let’s imagine our hypothetical driver has a rocky driving record. Andrew was cited for careless driving while adjusting his sound system on the interstate.
In the table below, see what his car insurance premiums look like as a 22-year-old driver with just one ticket on his record.
Orlando, FL Average Monthly Car Insurance Rate Increase With One Ticket
| Companies | Average Monthly Car Insurance Rates | Average Monthly Rates With 1 Ticket |
|---|---|---|
| USAA | $125.00 | $167.00 |
| Geico | $167.00 | $187.00 |
| Progressive | $202.00 | $261.00 |
| Allstate | $223.00 | $246.00 |
| Liberty Mutual | $384.00 | $384.00 |
Insurance companies in Florida are tough on 22-year-olds who get traffic tickets. Can a speeding ticket raise your car insurance rates? Yes, just one speeding violation can increase your rates by a surprising amount.
Read more: South Carolina Car Insurance (Coverage, Companies, & More)
Car Insurance Cost for 22-Year-Old Females is Cheaper
Unfortunately for Andrew, car insurance quotes for women tend to be lower than male car insurance quotes, especially in Florida. Car insurance prices are based on risk. The riskier you are as a driver, the higher your car insurance premiums will be.
Read more: Why do car insurance quotes change daily?
Some companies consider any driver under the age of 25 to be high-risk. This is because of a lack of driving experience, but also because companies look at yearly crash statistics when calculating insurance rates.
According to data from the Insurance Information Institute, drivers between the ages of 21 and 24 have the second-highest crash ratios, directly behind teen drivers. To make matters worse for Andrew, 22-year-old females are statistically less inclined to be involved in car accidents than their male counterparts.
This is why the average insurance cost for a 22-year-old male can be higher than the average insurance cost for a 22-year-old female.
However, you can find cheap car insurance for 22-year-old males by comparing rates from multiple companies, applying for discounts that you qualify for, and researching the right amount of coverage levels you need before purchasing a policy.
The best thing about the high average insurance price for 22-year-old drivers is that it only lasts for a few years. So, when asking how much is full coverage insurance for a 23-year-old, the premiums will be slightly lower than the average insurance rates for a 22-year-old male or female. (For more information, read our “Car Insurance Rates for Drivers Under 25“).
However, the average car insurance costs for a 23-year-old is still higher than those who are older.
You’ll see a very drastic decrease in your overall rates as soon as you turn 25.
Read more: Company Car Insurance: Under 21
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Other Factors that Determine Car Insurance for a 22-Year-Old
We talked about how car insurance can be affected by age, gender, and driving record, but did you know your education level, credit history, and vehicle can determine car insurance cost?
Continue reading to learn other factors that affect your auto insurance rates.
Education
Your education level has a small impact on your car insurance policy. Car insurance company statistics show that policyholders with higher levels of education file claims much less than those who have high school diplomas and Associate Degrees.
Credit History
Your credit score could be a major contributor to your auto insurance cost. According to credit bureaus like Experian, car insurance companies issue cheaper rates to customers with good and excellent credit because they are less likely to file a claim.
Vehicle
Finally, car insurance companies consider the vehicle you drive as a significant factor to determine car insurance. Vehicles tend to have expensive retail prices, so your auto insurance company will need to match the risk with a policy that will cover the cost of your car if it’s damaged.
Car Insurance Cost for a 22-Year-Old: The Bottom Line
If you’re a 22-year-old driver, be sure to practice safe driving techniques as much as possible. Once it’s your 25th birthday, your clean driving record will lead to much lower insurance payments.
You now know with confidence how much car insurance costs a 22-year-old driver, and why those rates are higher than average. Whether you choose to stay on your parent’s policy as a named driver, apply for low-income car insurance, or buy your own full coverage policy, your best rates are out there.
Which car insurance company for 22-year-olds is for you? Now that you know how much car insurance costs for a 22-year-old, start comparing car insurance quotes for a 22-year-old now by entering your ZIP code into our FREE online tool below.
Frequently Asked Questions: How much does car insurance cost for a 22-year-old?
You are now an expert on securing affordable car insurance for 22-year-old drivers. Refer back to this guide as much as needed while you comparison shop for your best rates. In the meantime, check out our frequently asked questions below.
Hopefully, we have answered all your questions, but if not, look at some common questions below.
#1 – What is the average insurance cost for a 22-year-old in the UK?
As within the United States, average insurance rates in the UK can depend on several different factors, including the area in which you live.
#2 – Does car insurance go down at 22?
How much is car insurance for a 21-year-old per month? How much is car insurance for a 20-year-old per month? You’ll be happy to know that insurance rates will likely get lower after reaching the age of 18.
#3 – How much is car insurance for a 25-year-old?
As with rates for other age groups, this depends on your location, gender, and a number of different factors. However, once you turn 25 you will see a drastic decrease in the price of your car insurance.
#4 – What is the average health insurance cost for a 22-year-old female?
This depends on the health insurance plan in which you go with. It’s worth noting that a 22-year-old female or male can usually stay on their parents’ insurance plans.
For the best rates and options if you’re 22-year-old and in need of new auto insurance, you should definitely comparison shop. Use our quote tool to see what’s available to you and find the best rates for your policy needs.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.