National General provides the cheapest car insurance for 22-year-olds with rates averaging $130 monthly, while GEICO offers coverage for $151 monthly, with Travelers, State Farm, and American Family rounding out our most affordable insurers for young adults list. You can compare the companies below:
Best Cheap Car Insurance for 22-Year-Olds in 2026
Updated: May 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
The top five cheapest car insurance companies for 22-year-olds are Concord Group, National General, GEICO, Auto-Owners and Travelers.
Concord Group provides the cheapest minimum coverage for 22-year-olds at $72 monthly or $865 annually, though availability is limited. GEICO is the cheapest widely available option at $94 monthly or $1,134 annually.
Concord Group offers the cheapest full coverage for 22-year-olds at $127 monthly or $1,524 annually with limited availability. GEICO provides the most affordable widely available full coverage at $208 monthly or $2,493 annually.
Cheapest Car Insurance Companies for 22-Year-Olds
| National General | $130 | $1,565 |
| GEICO | $151 | $1,813 |
| Travelers | $171 | $2,049 |
| State Farm | $193 | $2,318 |
| American Family | $202 | $2,419 |
Cheapest Minimum Liability Car Insurance for 22-Year-Olds
Concord Group offers the cheapest liability-only coverage at $72 monthly or $865 annually for minimum liability but has limited availability. National General provides the second-lowest rates at $87 monthly, $15 more per month or $177 more annually, and also has limited availability. GEICO is the cheapest widely available national insurer at $94 monthly or $1,134 yearly.
| Concord Group | $72 | $865 |
| National General | $87 | $1,042 |
| GEICO | $94 | $1,134 |
| Auto-Owners Insurance Co | $107 | $1,280 |
| Travelers | $114 | $1,373 |
Rates are for a family policy with clean records and good credit on a 2012 Toyota Camry, shown for both male and female drivers.
Cheapest Full Coverage Car Insurance for 22-Year-Olds
Concord Group has the lowest full coverage rate at $1,524 a year, but availability is limited. Among national insurers, GEICO is cheapest at $208 a month, or $2,493 a year.
| Concord Group | $127 | $1,524 |
| National General | $174 | $2,088 |
| GEICO | $208 | $2,493 |
| Auto-Owners Insurance Co | $222 | $2,670 |
| Travelers | $227 | $2,726 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
DO YOU NEED FULL COVERAGE?
Full coverage, including comprehensive and collision, adds hundreds to your premium. Consider full coverage only if your vehicle is worth more than $4,000—otherwise, the added cost may exceed what you'd receive in a claim.
Cheapest Car Insurance for 22-Year-Olds by State
GEICO offers the lowest rates in 25 states at an average of $2,493 per year, while State Farm, Allstate, Progressive, and Nationwide lead in specific regions. However, 22-year-olds pay monthly rates ranging from as low as $59 in North Carolina to $426 in Louisiana. Below are the most affordable full coverage options for 22-year-olds in each state, based on our analysis of major insurers:
| AK | GEICO | $170 | $2,042 |
| AL | GEICO | $121 | $1,446 |
| AR | Nationwide | $163 | $1,958 |
| AZ | GEICO | $94 | $1,127 |
| CA | Progressive | $196 | $2,353 |
| CO | GEICO | $130 | $1,558 |
| CT | GEICO | $168 | $2,012 |
| DC | GEICO | $108 | $1,296 |
| DE | Nationwide | $203 | $2,431 |
| FL | GEICO | $206 | $2,472 |
| GA | Allstate | $192 | $2,308 |
| HI | GEICO | $75 | $902 |
| IA | GEICO | $79 | $945 |
| ID | State Farm | $104 | $1,253 |
| IL | GEICO | $154 | $1,849 |
| IN | GEICO | $84 | $1,008 |
| KS | Allstate | $141 | $1,687 |
| KY | GEICO | $153 | $1,832 |
| LA | GEICO | $426 | $5,109 |
| MA | State Farm | $88 | $1,059 |
| MD | Allstate | $213 | $2,553 |
| ME | GEICO | $85 | $1,024 |
| MI | GEICO | $365 | $4,379 |
| MN | State Farm | $211 | $2,536 |
| MO | Allstate | $114 | $1,368 |
| MS | Nationwide | $175 | $2,095 |
| MT | State Farm | $132 | $1,586 |
| NC | GEICO | $59 | $711 |
| ND | GEICO | $104 | $1,243 |
| NE | Allstate | $110 | $1,317 |
| NH | GEICO | $112 | $1,341 |
| NJ | GEICO | $180 | $2,155 |
| NM | Progressive | $185 | $2,220 |
| NV | GEICO | $167 | $2,007 |
| NY | Allstate | $321 | $3,857 |
| OH | GEICO | $91 | $1,095 |
| OK | GEICO | $112 | $1,348 |
| OR | GEICO | $129 | $1,543 |
| PA | Nationwide | $212 | $2,541 |
| RI | State Farm | $155 | $1,865 |
| SC | GEICO | $139 | $1,674 |
| SD | State Farm | $132 | $1,578 |
| TN | GEICO | $135 | $1,623 |
| TX | GEICO | $139 | $1,666 |
| UT | GEICO | $95 | $1,140 |
| VA | Progressive | $92 | $1,099 |
| VT | Nationwide | $122 | $1,465 |
| WA | GEICO | $136 | $1,636 |
| WI | GEICO | $86 | $1,032 |
| WV | Nationwide | $120 | $1,437 |
| WY | State Farm | $127 | $1,528 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
HOW LOCATION AFFECTS 22-YEAR-OLD CAR INSURANCE RATES
Your location determines your car insurance rates through state regulations, weather risks, population density, crime rates, and local accident statistics that insurers use for pricing.
Cheapest Car Insurance for 22-Year-Olds by Gender
Women at 22 average $2,405 a year, or $200 a month. Men average $2,525, or $210 a month, which is $120 more annually. The gap exists because 22-year-old men have higher crash rates per mile driven. The table below shows the most affordable national insurers for each gender.
Cheapest Car Insurance for 22-Year-Old Female Drivers
Travelers is the most affordable national insurer for 22-year-old women, which is about 9% below the minimum coverage average. Women at this age pay less than men across almost every insurer because their accident rates are lower.
Data filtered by:
State Minimum Liability Only
| Concord Group | $69 | $825 |
| National General | $85 | $1,026 |
| GEICO | $96 | $1,148 |
| Auto-Owners Insurance Co | $106 | $1,277 |
| Travelers | $112 | $1,338 |
| State Farm | $120 | $1,434 |
Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 22-Year-Old Male Drivers
GEICO offers the lowest monthly rate for 22-year-old male drivers at $61 when added to a family policy. However, Concord Group and Auto-Owners may provide even cheaper options for eligible drivers. Male drivers generally face higher premiums than females, as they statistically have a greater likelihood of being involved in accidents.
Data filtered by:
State Minimum Liability Only
| Concord Group | $75 | $905 |
| National General | $88 | $1,058 |
| GEICO | $93 | $1,120 |
| Auto-Owners Insurance Co | $107 | $1,283 |
| Travelers | $117 | $1,407 |
| State Farm | $133 | $1,598 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Cars to Insure for 22-Year-Olds
When buying a new car for a teen driver, consider adding them to your policy with a vehicle that is both safe and one of the cheapest cars to insure. With most vehicles costing under $600 annually for minimum coverage. Below, we’ve outlined the most affordable models by vehicle type for 22-year-old drivers.
Data filtered by:
Full Coverage
| Subaru Forester | Compact SUV | GEICO | $1,507 |
| Subaru Outback | Sedan | Nationwide | $1,563 |
| Acura MDX | Luxury SUV | Travelers | $1,641 |
| Toyota Tacoma | Pickup Truck | GEICO | $1,658 |
| Honda Passport | SUV | GEICO | $1,755 |
| MINI Electric | Compact | Nationwide | $1,761 |
| Nissan LEAF | Electric | Travelers | $1,792 |
| Ford Mustang Mach E | Sports Car | GEICO | $1,816 |
| Honda Odyssey | Minivan | State Farm | $1,844 |
| Tesla Model Y | Luxury Electric | GEICO | $1,846 |
| BMW 1 Series | Luxury Compact | GEICO | $1,903 |
| Porsche Taycan | Luxury Sports Car | GEICO | $1,922 |
| Mercedes GLA 250 | Luxury Compact SUV | GEICO | $2,028 |
| BMW 3 Series | Luxury Sedan | State Farm | $2,311 |
Rates are for drivers with clean driving records and good credit.
Average Cost of Car Insurance for 22-Year-Olds
The average annual car insurance costs for 22-year-olds are $1,635 for minimum coverage and $3,295 for full coverage. These figures reflect rates for drivers with clean records and good credit, but your individual car insurance cost for 22-year-olds may vary depending on your driving profile.
Car Insurance Cost for 22-Year-Olds by Coverage and Gender
Men pay about $60 more annually for minimum coverage and $180 more for full coverage compared to women. Your individual rates may vary based on your specific driving profile, location, and chosen insurance company.
Data filtered by:
State Minimum Liability Only
| Female | $134 | $1,605 |
| Male | $139 | $1,665 |
Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.
Average Cost of Car Insurance for 22-Year-Olds by State
State averages for 22-year-old drivers range from $17 to $389 a month. Crime rates, weather and population density account for most of the variation. State-by-state rates are in the table below.
| Alabama | $34 | $153 | $32 | $146 |
| Alaska | $30 | $137 | $30 | $137 |
| Arizona | $38 | $152 | $41 | $163 |
| Arkansas | $28 | $129 | $28 | $131 |
| California | $37 | $175 | $39 | $184 |
| Colorado | $42 | $177 | $39 | $166 |
| Connecticut | $40 | $152 | $46 | $177 |
| Delaware | $43 | $168 | $44 | $170 |
| District of Columbia | $39 | $165 | $41 | $171 |
| Florida | $70 | $320 | $60 | $278 |
| Georgia | $35 | $148 | $39 | $167 |
| Hawaii | $20 | $85 | $19 | $81 |
| Idaho | $20 | $83 | $24 | $97 |
| Illinois | $26 | $114 | $27 | $116 |
| Indiana | $26 | $106 | $28 | $116 |
| Iowa | $21 | $108 | $20 | $107 |
| Kansas | $25 | $129 | $26 | $132 |
| Kentucky | $36 | $149 | $37 | $154 |
| Louisiana | $70 | $389 | $63 | $348 |
| Maine | $27 | $105 | $30 | $116 |
| Maryland | $41 | $146 | $50 | $178 |
| Massachusetts | $27 | $110 | $35 | $147 |
| Michigan | $72 | $268 | $56 | $217 |
| Minnesota | $29 | $125 | $35 | $147 |
| Mississippi | $27 | $123 | $33 | $152 |
| Missouri | $36 | $173 | $41 | $198 |
| Montana | $25 | $143 | $26 | $152 |
| Nebraska | $27 | $142 | $27 | $146 |
| Nevada | $58 | $230 | $58 | $228 |
| New Hampshire | $28 | $102 | $30 | $109 |
| New Jersey | $60 | $237 | $57 | $222 |
| New Mexico | $33 | $150 | $35 | $156 |
| New York | $45 | $159 | $48 | $173 |
| North Carolina | $25 | $97 | $25 | $97 |
| North Dakota | $21 | $103 | $22 | $108 |
| Ohio | $45 | $164 | $45 | $164 |
| Oklahoma | $32 | $154 | $34 | $158 |
| Oregon | $33 | $125 | $38 | $143 |
| Pennsylvania | $27 | $141 | $27 | $143 |
| Rhode Island | $47 | $178 | $55 | $203 |
| South Carolina | $52 | $196 | $54 | $199 |
| South Dakota | $20 | $126 | $23 | $139 |
| Tennessee | $26 | $118 | $28 | $129 |
| Texas | $40 | $171 | $43 | $181 |
| Utah | $48 | $188 | $42 | $163 |
| Vermont | $19 | $91 | $23 | $109 |
| Virginia | $36 | $142 | $38 | $147 |
| Washington | $43 | $148 | $48 | $160 |
| West Virginia | $32 | $136 | $33 | $141 |
| Wisconsin | $24 | $112 | $26 | $121 |
| Wyoming | $17 | $118 | $19 | $138 |
How to Save Money on Car Insurance for 22-Year-Olds
Twenty-two-year-old drivers face some of the highest insurance premiums, but smart strategies can cut costs significantly. Staying on your parents' policy saves up to $2,000 annually, while shopping around and using usage-based programs can reduce premiums by another $500 to 1,000.
The key is combining multiple strategies. A 22-year-old using their parents' policy, maintaining good credit and driving safely in a usage-based program could easily save $1,500+ annually. Here's how to maximize your savings:
- 1Stay on a parent's policy
A standalone policy for a 22-year-old averages $2,525 a year. Being added to a parent's policy typically costs $800 to $1,200 more on their bill, which is a fraction of going solo. Most insurers allow it if you live at home or are a full-time student.
- 2Shop around every six months
The cheapest and most expensive companies for 22-year-olds differ by up to $1,500 a year for the same coverage. Thirty minutes of comparing quotes can save $30 to $50 a month.
- 3Find discounts you qualify for
Several auto insurance discounts are available at 22: good student, young driver education, defensive driving course and usage-based insurance, the last of which cuts premiums up to 40%.
If you rent, bundling renters with your auto policy saves 10% to 25%. On a $2,500 annual premium, a $200 renters policy produces net savings of $50 to $425.
- 4Choose a safe, older car
Vehicle choice affects your rate more than most 22-year-olds expect. Minimum coverage ranges from $565 a year for an Audi R8 to $686 for a Tesla Model Y. Avoiding high-theft targets, sports cars and modified vehicles saves around $200 a year over riskier choices.
- 5Adjust your coverage amount
Drop full coverage on a car worth under $3,000 to $4,000 to save up to $900 a year. On newer cars, raising your deductible from $500 to $1,000 saves $100 to $300 a year. Confirm you have enough in savings to cover the higher deductible before switching.
- 6Pay your premium in full
Monthly processing fees at most insurers run $5 to $15. Paying upfront eliminates those fees and often unlocks a paid-in-full discount of 3% to 5%.
- 7Enroll in usage-based insurance programs
Programs like Progressive Snapshot and State Farm Drive Safe & Save track your driving and lower premiums for safe habits. For a 22-year-old paying $2,500 a year, the savings range from $500 to $1,000. The best drivers bring their annual cost down to $1,500.
- 8Improve your credit score
Most states let insurers use credit scores to set rates. At 22, excellent credit (750+) costs $2,100 a year versus poor credit (580) at $2,700. Moving from fair to good credit saves $200 to $400 a year.
KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP
Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Car Insurance Discounts for 22-Year-Olds
Car insurance discounts can slash your rates by 30-50% when you combine the right strategies. The biggest wins for 22-year-olds? Staying on your parents' policy saves up to 50%, while usage-based programs cut costs by 30% for low-mileage drivers.
Discount Type | Savings % | Requirements | Best for |
|---|---|---|---|
Family Policy | 30–50% | Live at home or full-time student | 22-year-olds living at home or studying away at college |
Usage-Based Programs | Up to 30% | Safe driving tracking | Low-mileage drivers |
Good Student | 5–25% | 3.0+ GPA, full-time student | College students |
Multi-Policy Bundle | 7–17% | Add renters/home insurance | 22-year-olds who rent or own a home |
Multi-Car | Up to 25% | Multiple vehicles on policy | Families with multiple cars |
Military | Up to 15% | Active/veteran/family | Military members and their families |
Pay-in-Full | 3–8% | Annual payment | Everyone |
Cheap Car Insurance for 22-Year-Olds: Bottom Line
Car insurance for 22-year-olds can be expensive, but young drivers and their families can secure more affordable options by comparing quotes, staying on a family policy and utilizing available discounts. GEICO and Nationwide are typically among the most cost-effective choices for 22-year-old drivers nationwide, but shopping around remains essential to find the best rate.
Car Insurance for 22-Year-Olds: FAQ
Securing affordable car insurance for 22-year-olds can be difficult because of the risk factors that lead to higher premiums for this age group. To assist, we’ve answered some of the most common questions on this topic:
What is the cheapest car insurance for an 22-year-old?
GEICO and Nationwide are among the most affordable car insurance providers for 22-year-olds nationwide. Minimum coverage policies cost an average of $61 per month, while full coverage is around $130 per month when added to a family plan.
How much is car insurance for an 22-year-old per month?
The average monthly cost for a 22-year-old is $92 for minimum coverage and $217 for full. State averages range from $40 to $237. Figures are for drivers with clean records and good credit on a family policy.
Why is car insurance expensive for 22-year-old drivers?
Car insurance for 22-year-olds remains expensive because they are still considered high-risk drivers. However, 22-year-olds typically pay lower premiums compared to younger drivers. Teens, particularly those aged 16 to 19, experience higher rates of accidents and violations, with fatal crashes occurring nearly three times more often than among older drivers.
Risky behaviors such as night driving, speeding, distractions and neglecting to wear seat belts contribute to these increased rates, especially for male drivers.
Is car insurance more expensive for 22-year-old men?
Yes. Men at 22 pay more because they statistically have higher accident rates per mile driven. Insurers price that risk directly into premiums.
Auto Insurance for 22-Year-Olds: Our Methodology
MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 22-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.
Data Sources and Depth
We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.
Sample Driver Profile
MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:
- Toyota Camry LE
- Clean driving record
- 12,000 miles driven every year
To determine which companies provide the most affordable policies, MoneyGeek compared rates for 22-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.
Coverage Levels and Deductibles Explained
A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.
For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.