USAA
$36/mo
Farm Bureau
$39/mo
Auto-Owners
$40/mo
Erie
$42/mo
State Farm
$44/mo
USAA
Farm Bureau
Auto-Owners
Erie
State Farm
Compared to newly licensed 16-year-olds, 22-year-old drivers normally have lower insurance premiums, but their premiums are likely to be higher than those of 25-year-old drivers. It's still useful to know how your premium is calculated and what you can do to keep your costs down.
Our goal is to assist you in making an informed choice about which insurance provider to use based on available discounts, your area, gender, vehicle type, and money-saving recommendations.
Average insurance premiums for 22-year-old drivers are $4,533 per year for full coverage and $2,400 for minimum coverage. Here is a list of companies with their average insurance premium rates for 22-year-olds present in most states.
| Company | Minimum Coverage Rate | Full Coverage Rate |
|---|---|---|
| USSA* | $1,133 | $1,843 |
| Erie | $1,273 | $1,932 |
| Nationwide | $1,850 | $2,235 |
| Auto-Owners | $1,989 | $2,282 |
*USSA is also a prominent insurance company present in almost all the states. But only active military members, veterans, and their families are covered by USAA.
The state's regulations and the city's population density have a significant impact on insurance rates. Here is a state-wise average insurance rate for full and minimum coverage.
| State | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|
| Alabama | $2,488 | $3,129 |
| Alaska | $1,404 | $2,878 |
| Arizona | $1,260 | $2,705 |
| Arkansas | $2,180 | $3,346 |
| California | $2,300 | $4,007 |
| Colorado | $2,050 | $3,239 |
| Connecticut | $1,598 | $3,384 |
| Delaware | $1,203 | $2,988 |
| Florida | $2,297 | $4,368 |
| Georgia | $1,504 | $3,766 |
| Hawaii | $658 | $1,286 |
| Idaho | $1,000 | $2,016 |
| Illinois | $1,560 | $2,759 |
| Indiana | $1,160 | $2,378 |
| Iowa | $1,139 | $2,144 |
| Kansas | $1,205 | $2,968 |
| Kentucky | $2,300 | $4,113 |
| Louisiana | $1,768 | $4,698 |
| Maine | $836 | $1,612 |
| Maryland | $1,898 | $3,239 |
| Massachusetts | $790 | $1,737 |
| Michigan | $2,266 | $4,171 |
| Minnesota | $1,453 | $2,789 |
| Mississippi | $1,150 | $2,996 |
| Missouri | $1,445 | $3,028 |
| Montana | $1,665 | $3,018 |
| Nebraska | $1,256 | $2,559 |
| Nevada | $1,368 | $3,921 |
| New Hampshire | $1,483 | $2,204 |
| New Jersey | $1,221 | $3,286 |
| New Mexico | $1,657 | $2,499 |
| New York | $1,790 | $3,831 |
| North Carolina | $768 | $1,559 |
| North Dakota | $1,027 | $2,175 |
| Ohio | $1,152 | $2,132 |
| Oklahoma | $1,516 | $3,078 |
| Oregon | $1,116 | $2,284 |
| Pennsylvania | $1,459 | $2,735 |
| Rhode Island | $1,166 | $3,345 |
| South Carolina | $1,119 | $2,700 |
| South Dakota | $1,257 | $2,682 |
| Tennessee | $1,486 | $2,546 |
| Texas | $1,454 | $3,478 |
| Utah | $1,257 | $2,386 |
| Vermont | $1,125 | $2,188 |
| Virginia | $1,042 | $2,426 |
| Washington, D.C. | $1,583 | $3,208 |
| West Virginia | $1,411 | $2,722 |
| Wisconsin | $1,256 | $2,035 |
| Wyoming | $1,350 | $2,666 |
In general, men pay more for car insurance than women, but the rate differences are bigger for younger drivers and teens. A man in his early 20s will pay about 7% more for car insurance than a woman in the same age group.
| Company | Full Coverage Rate | |
|---|---|---|
| Female | Male | |
| Progressive | $2,336 | $2,536 |
| Allstate | $2,796 | $2,998 |
| State Farm | $2,000 | $2,200 |
Insurance premiums are based on risk-assessment analytics. They look at which groups are more likely to file a claim and charge them more.
A car insurance company might look at your age, marital status, city, gender, credit score, driving history, and type of vehicle. Your premium should decrease as you age, assuming you keep a clean driving record.
It's about the same for a 22-year-old male to find cheap car insurance as it is for everyone else. The best way to get the best deal on car insurance is to shop around and compare insurance quotes. Here are some general tips for lowering your rates and saving money.
One of the best ways to get the best insurance rates is to shop around and compare prices. Car insurance prices are affected by many different things, so what your neighbor pays may not be right for you. Get a few quotes so you can see how much coverage and how much money each plan costs.
The higher your deductible, the lower your insurance costs will be. Keep in mind that if you get into an accident, you have to pay your deductible first before your insurance company will pay you.
Most car insurance companies give out discounts to people who sign up for their plans. Whenever you talk to an insurance company about car insurance, ask them about any discounts they offer them. Many ways can be found to cut your insurance costs.
It has a big effect on the price of your car insurance if you have bad credit. People who have low credit scores pay more for insurance than people who have good credit scores. This difference can be as much as $1,000, but it's not always that big.
If you want to get cheap car insurance for a 22-year-old, the type of car you drive is important. Smarter cars like sedans and some SUVs are going to cost less than high-performance cars or cars that are worth more money. In general, the cheaper a car is to buy, the cheaper the car insurance premium will be. As a 22-year-old, you should think about which cars to insure. Here are a few:
| Car Model | Average Insurance Rates |
|---|---|
| Toyota Camry | $1,510 |
| Toyota Rav-4 | $1,200 |
| Chevy Traverse | $1,620 |
| Kia Soul | $1,280 |
In most states, probationary periods for new drivers last anywhere from six months to two years. If you get in trouble for a traffic offence while on probation, you may face more severe penalties or be forced to serve time in jail.
The only car insurance company that can meet everyone's needs is one that doesn't have one. The best car insurance company will give you the coverage you need, keep customer service high, and offer discounts to keep your premiums low. You can narrow down your search for the best auto insurance company for your home and auto insurance needs by getting quotes from different insurers.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
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