Average Car Insurance Costs for 22-Year-Olds
The average cost of car insurance for 22-year-olds is $279 per month for a full coverage policy. Minimum liability coverage costs an average of $202 per month.
Find Cheap 22-Year-Old Auto Insurance Quotes
State Farm is the cheapest car insurance company for 22-year-olds.
USAA tends to have even cheaper rates, but you can only get it if you're a military member, veteran or military family member.
How much is car insurance for a 22-year-old?
Full coverage car insurance costs an average of $279 per month for a 22-year-old.
Minimum coverage insurance costs around $202 per month.
State Farm has the best car insurance for 22-year-olds. Full coverage from State Farm costs an average of $223 per month, while minimum liability costs $97 per month. That makes State Farm one of the cheapest companies for 22-year-olds. And its great customer service makes it an excellent choice for most people.
Travelers and Progressive both also offer low rates for 22-year-old drivers. However, both companies tend to have worse customer service reviews than State Farm.
Full coverage
Minimum coverage
Find Cheap 22-Year-Old Auto Insurance Quotes
USAA has the absolute lowest full coverage rates for 22-year-old drivers, with an average of $181 per month. However, only current and former military members and their families can buy a USAA policy.
Best cheap full coverage car insurance for 22-year-olds
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $223 | |
| Travelers | $223 | |
| Geico | $262 | |
| Progressive | $264 | |
| Allstate | $417 | |
*USAA is only available to current and former military members and their families.
Full coverage
Find Cheap 22-Year-Old Auto Insurance Quotes
USAA has the absolute lowest full coverage rates for 22-year-old drivers, with an average of $181 per month. However, only current and former military members and their families can buy a USAA policy.
Best cheap full coverage car insurance for 22-year-olds
Company | Monthly rate | ||
|---|---|---|---|
|
| State Farm | $223 | |
|
| Travelers | $223 | |
|
| Geico | $262 | |
|
| Progressive | $264 | |
|
| Allstate | $417 | |
*USAA is only available to current and former military members and their families.
Minimum coverage
Find Cheap 22-Year-Old Auto Insurance Quotes
USAA offers even cheaper rates, at just $66 per month, on average. But only active-duty military, veterans and some of their family members can buy USAA insurance.
Cheapest minimum liability car insurance for 22-year-olds
Company | Monthly rate | ||
|---|---|---|---|
|
| State Farm | $97 | |
|
| Progressive | $97 | |
|
| Travelers | $105 | |
|
| Geico | $107 | |
|
| Allstate | $203 | |
*USAA is only available to current and former military members and their families.
There can be major differences in the cost of insurance for 22-year-olds from one company to the next.
Full coverage from the most expensive company, Farmers, costs twice as much as a policy from State Farm. That's why you should always shop around to find the cheapest car insurance quotes for you.
Do car insurance rates go down at age 22?
Most people can expect their car insurance rates to go down by around 8% when they turn 22 years old.
Your rates will continue to go down as you get older, so long as you avoid tickets and accidents. You can expect rates to fall by around 7% when you turn 23 years old. And at age 25, your car insurance will cost about 21% less than it did when you were 22.
Insurance companies consider drivers under 25 more risky. That's because their lack of experience behind the wheel makes them more likely to cause an accident. So rates are typically expensive for this age group.
Car insurance for 22-year-old males vs. females
On average, 22-year-old men pay $14 per month more for full coverage insurance than women.
Car insurance is typically more expensive for young men because they tend to get in more accidents.
The cheapest car insurance company is also different for 22-year-old men and women. Travelers has the cheapest rates for most men, at $232 per month for full coverage. State Farm has the lowest rates for women, at $209 per month.
State Farm also has affordable rates for men, at $238 per month. State Farm has much better customer service than Travelers, so it may be worth a few extra dollars per month.
Monthly full coverage quotes by gender
Company | Male | Female | |
|---|---|---|---|
|
| Travelers | $232 | $215 |
|
| State Farm | $238 | $209 |
|
| Progressive | $269 | $258 |
|
| Geico | $272 | $251 |
|
| Allstate | $418 | $417 |
*USAA is only available to current and former military members and their families.
Several states don't allow insurance companies to use gender to determine car insurance rates. These states include:
- California
- Hawaii
- Massachusetts
- Michigan
- Montana
- North Carolina
- Pennsylvania
Men and women pay the same car insurance rates in these areas.
Cost of car insurance for 22-year-olds by state
Car insurance rates can differ greatly from one state to the next.
For example, 22-year-olds living in Pennsylvania pay an average of $245 per month for full coverage, while those in Texas pay around $305 per month for the same coverage. That's a difference of $60 per month.
State | Monthly rate |
|---|---|
| Pennsylvania | $245 |
| Illinois | $272 |
| New York | $293 |
| Texas | $305 |
Find the cheapest insurers for young drivers in your state
How to get cheap car insurance as a 22-year-old driver
There are four main ways for 22-year-olds to find cheap car insurance: sharing a policy with a family member, comparing quotes, qualifying for discounts and adjusting your coverage.
Sharing a car insurance policy with your parents is usually the cheapest option if you're a 22-year-old.
A family policy may be more expensive for your parents, but the total cost tends to be much cheaper than buying two different policies. You're only able to stay on your parent's auto insurance if you live in the same house or go to school full time.
Comparing quotes from multiple companies is important when shopping for the cheapest rates.
The most expensive car insurance company for 22-year-olds, Farmers, charges twice as much for full coverage insurance as the cheapest company, State Farm. That could add up to a savings of over $2,700 per year.
Insurance companies use many factors to determine car insurance rates, like your age, driving record, claims history, where you live and the type of car you drive. That's why the cheapest insurance company for you may differ from the cheapest one for your family members or friends.
Car insurance companies typically offer lots of discounts to help 22-year-old drivers lower their rates. Common car insurance discounts for 22-year-old drivers include:
- Good student discount if you're a full-time student with a B average or better
- Defensive driving course for completing driver training classes
- Safe driver discount for avoiding accidents and tickets
- Online purchase discount for buying your policy online
- Automatic payment discount for automatically sending payments from your bank account
- Paperless discount for getting statements and bills via email
The type and amount of a discount you get can vary across companies and locations, which is another reason to shop around for multiple quotes.
As a 22-year-old, you can save money by adjusting your car insurance coverage. When you're comparing quotes, make sure that you're only paying for the coverage options you actually want and need.
For example, it may not make sense to pay extra for comprehensive and collision coverage if you drive a car that's more than eight years old or worth less than $5,000.
You can also raise your deductible. A higher deductible typically means lower car insurance rates because the insurance company will pay you less if you're in an accident. However, make sure you choose a deductible you can afford if you're in a crash.
Frequently asked questions
How much is car insurance for a 22-year-old per month?
The average cost of car insurance for a 22-year-old is $279 per month per month for a full coverage policy. But 22-year-olds can find cheaper rates from State Farm or Travelers, where a policy costs around $223 per month.
Does car insurance go down at 22?
Car insurance rates go down by about 8% when you turn 22 years old, if you don't have any tickets or accidents on your record.
Why is my insurance so high at 22?
Car insurance can be expensive for 22-year-olds because they lack experience behind the wheel. Insurance companies believe this leads to more accidents, which makes young drivers more expensive to insure. However, 22-year-old drivers can find cheap rates by comparing quotes from multiple insurance companies.
What is the best car insurance for 22-year-olds?
State Farm is the best major car insurance company for 22-year-olds. It's typically one of the cheapest companies, and it offers great customer service.
Regional companies like Erie and Farm Bureau may offer even cheaper rates, and their customer service is excellent. It's worth comparing quotes from these companies if they're available near you.
Methodology
To find the average cost of car insurance for 22-year-old drivers, ValuePenguin collected car insurance quotes from seven of the top companies in the country across four of the most populated states in the U.S. Rates are for 22-year-old men and women who own a 2015 Honda Civic EX. Drivers have a clean driving record and a good credit score.
Quotes are for a full coverage policy with comprehensive and collision coverage and higher liability limits than required in each state.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): Minimum when required by state
- Comprehensive and collision deductible: $500
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. The rates were publicly sourced from insurance company filings and are for comparative purposes only. Your 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.