How much is car insurance for 22-year-olds?

A 22-year-old driver pays about $2,720 per year for a full coverage car insurance policy, based on the profile of a 22-year-old male driver. Whereas liability-only coverage costs $988 a year for a 22-year-old male driver, according to research.

However, rates can vary significantly depending on where you live, your driving record, the type of car you drive, and your coverage level. Therefore, it's important to compare rates from multiple insurers to make sure you're getting the best deal possible.

Cheap car insurance for 22-year-olds

Based on rate analysis, American National Finance has the cheapest car insurance rates at about $1,285 per year for 22-year-olds.

Geico is second on our list with an average annual rate of $1,793 a year and Nationwide comes in third at an average annual insurance cost of $1,823 for a 22-year-old driver.

Below is a list of insurance companies and the average premium they charge 22-year-old drivers.

CompanyAverage Annual Premium
American National Finance$1,285
American Family$1,976
Erie Insurance$2,049
Auto Owners$2,248
State Farm$2,250
Vermont Mutual$2,398
Western National Mutual$2,560
National General Insurance$3,106
Shelter Insurance$3,172
Country Insurance$3,186
Auto Club$3,418
The Hartford$3,541
CSAA Insurance$3,561
Mapfre Insurance$3,721
Chubb Ltd$3,793
Mercury Insurance$4,104
Westfield Insurance$4,140
Safeway Insurance$4,759
The Hanover Insurance$7,405

Cheapest car insurance for 22-year-old: male vs female

When it comes to car insurance, 22-year-olds face higher insurance rates than adult drivers. Also, there's a difference between what male and female drivers pay.

For instance, American National Finance has the cheapest rates for both 22-year-old male and female drivers. The insurance rate for a 22-year-old is $1,147 a year for female drivers, but male drivers pay $1,423 per year on average for the same coverage.

Some states forbid car insurance companies to use gender to calculate insurance rates. However, young male drivers across the country still end up paying slightly higher insurance premiums than females.

A male 22-year-old pays 9% more than female drivers for car insurance on average. This is because male drivers are seen as a greater risk by insurers. Men usually drive more miles than women and are more likely to not wear seat belts, drive impaired and speed, according to the Insurance Institute for Highway Safety.

The table below shows a list of companies that offer cheap auto insurance rates to 22-year-old males and females.

CompanyAverage Annual Rate for Female DriversAverage Annual Rate for Male Drivers
American National Finance$1,147$1,423
Erie Insurance$1,893$2,204
American Family$1,921$2,031
State Farm$2,100$2,399
Auto Owners$2,159$2,338
Vermot Mutual$2,241$2,555
Western National Mutual$2,394$2,725
Chubb Ltd$2,984$4,601
Shelter Insurance$3,005$3,339
National General Insurance$3,090$3,122
Country Insurance$3,138$3,233
Auto Club$3,174$3,662
Mapfre Insurance$3,407$4,035
The Hartford$3,492$3,589
CSAA Insurance$3,514$3,608
Westfiled Insurance$3,566$4,715
Mercury Insurance$3,787$4,420
Safeway Insurance$4,168$5,351
The Hanover Insurance$6,748$8,063

Why do 22-year-olds pay so much for car insurance?

You can expect your car insurance rates to go down as you get older and gain more experience behind the wheel. However, 22-year-olds are still considered relatively inexperienced or rookie drivers, so they tend to pay more for coverage than older drivers.

But if you're looking to save money on your car insurance, you can do a few things, such as taking a defensive driving course or bundling your policy with other types of insurance.

How to save money on car insurance as a 22-year-old?

Many insurance companies are now offering discounts to young drivers who maintain good grades and have no accidents or moving violations on their records. However, there are a few other things that 22-year-olds can do to get even cheaper rates:

  • Shop around: The best way to save money on car insurance is by shopping around and comparing rates from different companies.
  • Enroll in a driving course: Young drivers can lower their car insurance rates by taking a defensive driving course.
  • Take advantage of any discounts: Most car insurance companies offer discounts to students who get good grades.
  • Keep your driving record clean: Avoiding traffic tickets or accidents and keeping your driving record clean in your 20s is an easy way to get lower insurance rates and save on your policy.
  • Drive a safe and reliable vehicle:Young drivers are inexperienced and should avoid driving fancy sports cars. It costs more to insure a high-end car, such as a Mercedes or BMW, than it does to cover an average sedan.

Final thoughts: car insurance for 22-year-olds

It's not easy to find car insurance for a 22-year-old. After all, most young drivers might be still in college or working low-paying jobs. Seeing rates near $2,720 can be jarring.

Shopping around can help 22-year-old drivers find affordable insurance for their cars. American National Finance Insurance provides the cheapest car insurance rates for male and female drivers. However, depending on your location, car's make and model, driver profile, and other factors, it may not always be the cheapest option. That's why comparison shopping is necessary.

Methodology collected data from Quadrant Information Services for multiple insurance companies across the U.S. We used full coverage rates based on the sample profile of a 22-year-old driver with a clean driving record and for the coverage limit of 100/300/100, which represents $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for personal property damage.

To be on the list, the company must provide its services in at least ten states. You can use these averages to compare companies based on price, but your insurance rates may vary.

Sources: has prepared in-depth car insurance guides for drivers of different ages. You will learn how much you expect to pay for insurance based on your age and how you can save on premiums each year. Check out the guides below: