Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

Advertiser Disclosure

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.

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.

Key Takeaways

  • 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 required, 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.

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.

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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
Company22-Year-Old Female22-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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

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
StateAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

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
DetailsJustin (male)Jessica (female)
Age22-years-old22-years-old
City, stateBoise, IdahoBoise, Idaho
Car make and model2005 Ford Taurus2020 Ford Fiesta
Car insurance policy limitsBIL: $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
Get Your Rates Quote Now

Compare RatesStart Now →

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
CompanyAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

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
CompanyAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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 percent down payment and pay seven more monthly installments of only $29.83.

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
CompanyAverage Monthly Car Insurance RatesAverage Monthly Rates with a 22-Year-Old Male AddedTotal 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
Get Your Rates Quote Now

Compare RatesStart Now →

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 percent 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.

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
CompaniesAverage Monthly Car Insurance RatesAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

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.

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.

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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 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.