How Much Does Car Insurance Cost For A 22-Year-Old?

Updated August, 2020
Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156

The cost of car insurance for a 22-year-old, varies. Your location, driving history, and policy type can make a big difference. You should try to join your parent's policy, if possible, for the lowest rates. Expect to be spending roughly $800-$2,600 annually.

The average car insurance cost for a 22-year-old driver

Below is the monthly average for car insurance costs for 22-year-olds. We've also specified the pricing as a state minimum policy, liability car insurance, or full coverage. This gives you a good jumping-off point when researching insurance. Keep in mind, average pricing is lower if you qualify to be on your parent's policy.

Gender State Minimum Liability Insurance Full Coverage
Female $809 $811 $2,364
Male $863 $972 $2,642

What affects car insurance prices for 22-year-old drivers

  • Their Age When They Received Their License- Usually, the more driving experience your teen has, the lower their insurance could be. For instance, a driver who started at 16 is more likely to have lower rates than a driver who started driving at 18.
  • Driving History- Teen insurance rates are already the highest in the country. If your teen has a history involving an accident this can make their rates soar.
  • Speeding Tickets and Other Offenses- Any sort of prior offense, such as a speeding ticket will increase your rates greatly. Maintaining a safe driving record, that shows your teen is responsible goes a long way.
  • Driver’s Education- A lot of insurers offer a discount for par-taking in a safe drivers course.
  • Separate Insurance Versus Parents’ Insurance- If your teen still lives at home, you can save hundreds of dollars by adding them to your policy.
  • State Laws- States vary in their pricing. For instance, someone in North Carolina pays significantly less than someone in Florida.

Money-saving tips for young adult insurance

We've compiled a list of discounts available for young drivers. These are easy discounts that most people can qualify for.

Be sure to take advantage of any discounts you can to lower your rates as much as possible!

  • Joining Parent Policy- You can save hundreds of dollars by having your parents add you to their policy.
  • Low-Mileage- If you know you won't be driving often, ask your insurer about a low-mileage discount. This is something almost anyone can take advantage of, not just teens.
  • Anti-Theft Devices- Some insurers offer a discount when you install an anti-theft device in your vehicle. The discount will vary on your state and the type of anti-theft device.
  • Safe Driving- With today's technology, you can download apps that monitor your driving habits. Some insurers give discounts for good driving while using these apps.
  • Type of Car- Buying a cheaper, older car will cost you less with insurance than buying a new sports car. Since the car is worth less, your insurance is less. You can save further by dropping comprehensive and collision coverage.
  • Adding Another Driver to Your Policy- You can lower your rate by adding a more experienced driver to your policy. Especially if you are a first-time driver, this can be very beneficial. Just make sure they have no previous claims or convictions.

How to begin your search

Finding the best and cheapest car insurance for a driver under 21, can be a challenge. It requires research, shopping around, and asking for applicable discounts. Everyone is different. What might work well for your friend could be an awful deal for you. Don't be afraid to reach out to insurers over the phone and ask questions.

Get instant quotes tailored to your needs - fill out our short form, today!

It's easy to get started

Get insured, online

Instantly compare quotes from top providers, online, with our easy-to-use tool.

Get Your Cheap Quote, Now →Or Call 866-996-3156 →
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Speak with our agents

Prefer a friendly voice? Our licensed agents are ready to help you find the best deal.