Car Insurance Costs for 22-year-old Males and Females

Car insurance for 22-year-olds costs an average of $4,128 per year, or about $350 per month. 22-year-olds pay approximately $300 less than 21-year-olds ($4,453) and approximately $300 more than 23-year-olds ($3,840). Young drivers under the age of 25, particularly teen drivers, typically pay more for auto insurance than older drivers. We recommend USAA, Erie, and Geico for 22-year-old men and women looking for low-cost car insurance.

How much is car insurance for a 22-year old?

Premiums for 22-year-olds vary greatly by insurer. USAA and Erie have the lowest annual premiums for 22-year-olds, at $1,903 and $1,954, respectively. These rates are approximately $4,500 less expensive than Allstate, the most expensive insurer in our sample, which charges $6,428.

The significant variation in prices across insurers illustrates why young drivers should always shop around for auto insurance quotes.

Notably, USAA has the lowest auto insurance rates for 22-year-olds in our sample, despite the fact that the company only insures current and former military members and their families. Erie's auto insurance rates are not far behind those of USAA, despite the fact that Erie's policies are only available in 13 states. Geico was the largest national insurer that provided reasonably priced auto insurance.

Comparing the costs of car insurance for 22-year-old males and females

A 22-year-old male pays $4,274 on average for car insurance, while a 22-year-old female pays $3,983.

Car insurance is typically more expensive for men than for women, and rate disparities are often greater among younger drivers and teenagers. Males in their twenties and thirties, as well as those in their twenties and thirties, frequently pay 7-9 percent more for car insurance than their female counterparts.

However, several states and local municipalities prohibit insurance companies from charging gender-based car insurance premiums. California, Hawaii, Massachusetts, Montana, North Carolina, and Pennsylvania, as well as parts of Michigan, are among them. Men and women of any age should pay comparable car insurance premiums because gender cannot be used to determine rates in these areas.

The average cost of car insurance by age

The average annual cost of car insurance for a 22-year-old is $4,128, or nearly $350 per month.

Car insurance premiums can be especially expensive for drivers under the age of 25; however, just a few years of age difference can have a significant impact on rates. The average car insurance cost for 22-year-olds is more than $3,000 less than for 18-year-olds and nearly $1,000 more than for 25-year-olds.

Cheap car insurance for 22-year-olds by state

The average cost of car insurance varies significantly by state. We compare average car insurance prices in the ten most populous states and identify the insurers offering the cheapest auto insurance policies in each.

North Carolina has the lowest car insurance rates for 22-year-olds, at $1,728, or roughly one-third of the national average. Michigan had the most expensive auto insurance policies for 22-year-olds, with an annual cost of $12,013, nearly three times the national average.

We found the cheapest car insurance companies for 22-year-olds in each of the ten most populous states.

The cheapest auto insurance company for 22-year-olds in the 10 most populated states

USAA was excluded, as policies are only available for current or former military members and their families. Without its exclusion, it offers the cheapest car insurance for 22-year-olds in Georgia, Illinois, Michigan, New York, Pennsylvania and Texas.

Shopping for cheap car insurance as a 22-year-old

Comparing quotes from various insurers is frequently the most effective way to find cheap car insurance. Insurers base auto insurance rates on a variety of factors, including your driving record, prior history of claim filings, age, vehicle type, and more. Given the wide range of factors that influence car insurance premiums, the insurance company that provides the best deal for one person may not be the best deal for another.

22-year-olds may also benefit from remaining on their parents' policies for as long as possible in order to take advantage of potential discounts. A combined family policy may be more expensive for your parents; however, the total cost is usually much lower than if you paid for two separate policies.

The following are some of the most common car insurance discounts available to 22-year-old drivers:

• Be a good student.
• Completing a defensive driving course.
• Maintain a good credit score.
• Maintain a clean driving record.

The type of discount available and the appropriate cost reduction can vary significantly between insurers, further highlighting the benefit of shopping around for auto insurance quotes.

Methodology

This study analyzed car insurance quotes from thousands of ZIP codes in the ten most populous states in the United States. The drivers in the study were 22-year-old men and women who drove a 2015 Honda Civic EX. All other factors influencing car insurance costs were consistent, including the fact that drivers were single and had a clean driving record. The following are the coverage levels included in a full coverage car insurance policy, including liability insurance. These coverage levels are slightly higher than the minimum coverage requirements of any individual state:

The study included 23 insurers, but car insurance premiums were only included if they were available in at least three of the ten states.

The insurance rate data used in LowCostInsurance analysis came from Quadrant Information Services. These rates were obtained publicly from insurer filings and should only be used for comparison purposes — your own quotes may differ.