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When it comes to car insurance for 22-year-old drivers, the cost can vary depending on the coverage levels chosen. On average, car insurance for 22-year-old drivers can cost around $758 per year or $63 per month for state minimum liability only coverage. Opting for 50/100/50 liability coverage can increase the average cost to $922 per year or $77 per month. For more comprehensive coverage with 100/300/100 liability and a $500 deductible for comprehensive and collision, the average cost jumps to $2,575 per year or $215 per month.

Coverage level Average annual premium Average monthly premium
State Minimum Liability Only $758 $63
50/100/50 Liability Only $922 $77
100/300/100 Liability with $500 Comp/Coll Deductible $2,575 $215

Average car Insurance rates for 22-year-old male and female: Decoding gender impact

Gender can also play a role in determining car insurance rates for 22-year-old drivers. On average, 22-year-old females can expect to pay around $2,335 per year for car insurance, while their male counterparts may face slightly higher rates at $2,575 per year.

Gender Average annual premium Average monthly premium
Female $2,335 $195
Male $2,575 $215

How average car insurance rates for 22-year-old vary by State

Car insurance rates for 22-year-old drivers can vary significantly depending on the state they reside in. For example, in Alaska, the average cost for car insurance for a 22-year-old is $2,160 per year, while in Alabama it is $2,234 . In other states like Louisiana and Florida, the average cost can skyrocket to $4,233 and $3,840 per year, respectively. On the other end of the spectrum, Hawaii offers the lowest average cost at $1,306 per year.

State Average annual premium Average monthly premium
Virginia $2,115 $176

Low-cost car insurance for 22-year-old: Drive without breaking the bank

Finding affordable car insurance for 22-year-old drivers is possible. Some companies offer lower average annual costs, such as North Carolina Farm Bureau at $1,273 , American National Finance at $1,423 , and Safety Insurance at $1,466 .

Comparing rates from multiple insurers is one of the easiest ways to find which insurer offers the lowest cost for 22-year-old driver and provides all the required coverage.

Company group Average annual premium Average monthly premium
American National Finance $1,423 $119
North Carolina Farm Bureau $1,273 $106
Safety Insurance $1,466 $122
Nationwide $1,902 $159
USAA $1,799 $150
Geico $1,841 $153
New Jersey Manufacturers $2,149 $179
Palisades $2,016 $168
Erie Insurance $2,204 $184
American Family $2,031 $169
Vermont Mutual $2,555 $213
Auto-Owners $2,338 $195
State Farm $2,399 $200
Amica Mutual $2,358 $197
Travelers $2,225 $185
Arbella Insurance $1,841 $153
Island Insurance $1,668 $139
Frankenmuth Insurance $2,758 $230
Southern Farm Bureau $2,296 $191
Western National Mutual $2,725 $227
Progressive $2,731 $228
Mapfre Insurance $4,035 $336
Shelter Insurance $3,339 $278
Farmers $2,853 $238
Allstate $3,090 $257
Country Financial $3,233 $269
Auto Club Enterprises (AAA) $3,662 $305
Westfield Insurance $4,715 $393
Iowa Farm Bureau $2,855 $238
Kentucky Farm Bureau $3,869 $322
The Hartford $3,589 $299
National General Insurance $3,122 $260
Mercury Insurance $4,420 $368
CSAA Insurance (AAA) $3,608 $301
Automobile Club MI (AAA) $4,217 $351
Kemper Insurance $4,377 $365
Oklahoma Farm Bureau $4,758 $397
Chubb Ltd $4,601 $383
Safeway Insurance $5,351 $446
The Hanover $8,063 $672
Sentry Insurance $6,465 $539

Conclusion

Car insurance costs for 22-year-old drivers can vary based on coverage levels, gender, state of residence, and choice of the insurance company. Opting for higher coverage increases the average cost, while gender differences can also impact insurance rates. The average cost varies significantly by state, with some states having substantially higher premiums than others. However, affordable options exist, and it is possible to find lower-cost insurance for 22-year-old drivers by comparing rates from different insurers.

Methodology

CompuQuote commissioned 2022 data for Average car insurance rates for 22-year-old drivers from Quadrant Information Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 22-year-old driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

CompuQuotes analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Information Services are for comparison purposes only; your rates may differ.

About the Author: CompuQuotes Editorial
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