How much does car insurance cost for a 22-year-old?

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Here's what you need to know...
  • Licensed drivers who are 22 rarely own high-value assets and do not need the high levels of liability protection
  • At the age of 22, licensed drivers have to pay more than older drivers
  • The best thing about the high cost of car insurance for 22-year-old drivers is that it only lasts for one year

Paying for car insurance is not easy for 22-year-old drivers who typically have lower incomes than 25-year-old drivers who pay less.

Insurance companies are very mindful of the extended length of time it takes to become a skillful driver and will charge statistically higher risk drivers more money for car insurance.

The vehicle type, residential address, and level of coverage selected also causes insurance prices to increase or decrease.

Reducing the need for high damage protection by owning older lower value vehicles will help keep this expensive period of driving more affordable.

Insurance rates and regulations are different in every state causing a wide range of insurance prices.

Start comparing car insurance rates now by using our FREE tool above! Enter your zip code to get started!

Cost of Insurance for 22-Year-Old in Low-Cost State

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Justin lives in Boise, Idaho which ranks 48 in a nationwide survey of car insurance prices.

When Justin turned 18, his grandfather gave him a 2005 Ford Taurus and he hopes to replace it with a new car after his upcoming college graduation.

Here are the minimum legal liability requirements to be licensed to drive in Idaho:

  • Bodily injury liability payments up to $25,000.00 per person and up to $50,000.00 per accident
  • Property damage liability payments up to $15,000.00
  • Uninsured and underinsured motorist caused bodily injury payments up to $25,000.00 per person and   $50,000.00 per accident
  • Uninsured and underinsured motorist caused property damage payments up to $15,000.00

If Justin were found to be at-fault in a car accident, he would not receive any payments for his own bodily injury or damage to his own vehicle.

These insurance companies in Boise would charge the monthly payment amounts listed below for Justin’s minimum legal car insurance:

  • Geico  $36.00
  • State Farm – $46.00
  • American Family – $54.00
  • Allstate – $58.00
  • Farm Bureau – $60.00
  • Safeco  $75.00
  • Progressive – $108.00

Jessica also lives in Boise, unlike Justin, she owns a brand-new Ford Fiesta. Even though her car is new, the basic level of coverage with a gap rider to cover her car loan provides her with enough protection because she is too young to take advantage of the rental car benefit.

A standard level of coverage provides these benefits:

  • Bodily injury payments up to $50,000.00 per person and $100,000.00 per accident
  • Property damage payments up to $25,000.00 per accident
  • Uninsured and underinsured motorist caused bodily injury payments up to $50,000.00 per person and $100,000.00 per accident
  • Uninsured and underinsured caused property damage payments up to $25,000.00
  • Towing allowance of $50.00

A $500.00 deductible payment is required for this level of coverage.

This level of protection is available to Jessica from insurance companies in Boise at these monthly payments:

  • Geico  $93.00
  • State Farm – $104.00
  • Farm Bureau – $126.00
  • American Family – $131.00
  • Allstate  $136.00
  • Safeco  $170.00
  • Progressive  $175.00

Gap insurance provides enough property damage coverage to pay the car off. Gap policy riders range from $8.00 to $15.00 per month.

Car Insurance Cost for 22-Year-old Drivers in Mid-Priced State

Cynthia lives in Elk Grove, California which is about 20 miles south of Sacramento, the capital city. Her income is low enough to qualify for California’s low-income automobile insurance program which is available to low-income licensed drivers.

Elk Grove is in Sacramento County which means that Cynthia can get car insurance for $261.00 per year with this special program.

She can finance the policy with a 20 percent down payment and pay seven more monthly installments of $29.83.

California’s low-cost auto insurance program covers the following:

  • Up to $10,000.00 per person and up to $20,000.00 per accident of liability coverage in case of bodily injury or death
  • Up to $3,000.00 for property damage liability

Cynthia can add uninsured motorist coverage and limited amounts of collision and comprehensive coverage to this policy through her agent.

All auto insurance agents in California are required to offer low income auto insurance coverage.

Like Cynthia, Nick is 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 insurance costs. Nick pays his share of the family car insurance bill.

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Without Nick and his Subaru, his family car insurance would cost any of these monthly amounts to cover his father’s 2009 Chevy Tahoe and his mother’s 2011 Toyota Avalon:

  • Geico  $131.00
  • Allstate  $134.00
  • 21st Century – $148.00
  • USAA – $179.00
  • Liberty Mutual  $184.00
  • AAA – $193.00
  • Mercury – $195.00
  • Mid-Century – $209.00
  • State Farm – $237.00

Adding Nick and his 2003 Subaru increases the household car insurance prices to these amounts:

  • Geico  $214.00
  • Allstate  $221.00
  • 21st Century  $261.00
  • USAA – $272.00
  • AAA – $285.00
  • Mercury – $312.00
  • Liberty Mutual – $355.00
  • State Farm – $382.00
  • Mid-Century – $398.00

Car Insurance for 22-Year-Old in High-Priced State

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Andrew lives in Orlando, Florida and owns a 2007 Mazda CX 7. His car is his most valuable asset and he wants complete coverage.

Here are Andrew’s choices for standard coverage in Orlando:

  • USAA – $125.00
  • Geico  $167.00
  • Progressive – $202.00
  • Allstate – $223.00
  • State Farm – $259.00
  • Liberty – $384.00

Insurance companies in Florida are tough on 22 year-olds who get traffic tickets. Andrew was cited for careless driving while adjusting his sound system on the interstate.

With just one ticket, his options change to the following:

  • USAA – $167.00
  • Geico  $187.00
  • Allstate – $246.00
  • Progressive – $261.00
  • Liberty Mutual  $384.00

22-year-old females are statistically less inclined to be involved in car accidents than their male counterparts. Nicole also lives in Orlando and owns a 2007 Mazda Miata.

Andrew’s Coverage is available to Nicole for these monthly payments:

  • USAA  $112.00
  • Geico – $165.00
  • Progressive – $196.00
  • State Farm – $227.00
  • Allstate – $236.00
  • Liberty Mutual  $300.00

The best thing about the high cost of car insurance for 22-year-old drivers is that it only lasts for one year. The insurance bill should automatically decrease the renewal date following the 23rd birthday.

With safe driving behavior, the 25th birthday will be commemorated with much lower insurance payments.

Start comparing car insurance quotes now by entering you zip below! Enter your zip code to get started!

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