Car insurance at 22 doesn't have to cost a fortune. National General leads with rates averaging $130 monthly, while GEICO offers coverage for $151 monthly with Travelers, State Farm, and American Family rounding our our most affordable list. You can compare the companies below:
Best Cheap Car Insurance for 22-Year-Olds in 2025
Updated: June 24, 2025
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Key Takeaways
The top five cheapest car insurance companies for 22-year-olds are Concord Group, National General, GEICO, Auto-Owners, and Travelers.
The cheapest monthly car insurance rates for 22-year-old drivers begin at $72 for minimum coverage and $127 for full coverage on a national scale, with some states offering rates as low as $59 per month.
GEICO leads nationwide with the lowest rates in 25 states, while State Farm, Allstate, Progressive, and Nationwide dominate specific regions.
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 leads with the most affordable coverage at $865 annually for affordable minimum liability, while GEICO offers the cheapest option among national insurers at $1,134/year — that's about $95 per month. These rates can save 22-year-olds hundreds compared to going solo on their own policy.
| 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 for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Full Coverage Car Insurance for 22-Year-Olds
Concord Group offers the most affordable full coverage at $1,524 annually, though its availability is limited. Nationally, GEICO provides the cheapest option among widely available national insurers at $208 per month or $2,493 annually.
| 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.
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
Our analysis shows female drivers average $2,405 per year or $200 monthly while males average $2,525 per year or $210 monthly. This leads to 22-year-old men paying about $120 more annually than women for car insurance due to 22-year-old male drivers having higher crash rates per mile driven than females. Below, we highlight the most affordable national providers for both men and women in this age group.
Cheapest Car Insurance for 22-Year-Old Female Drivers
Travelers offers the most affordable national car insurance for 22-year-old women, with rates that are approximately 9% lower than the average for minimum coverage. Female drivers at this age typically benefit from lower premiums compared to men, as statistics show they are involved in fewer accidents.
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Coverage Level: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.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Concord Group | $133 | $1,593 |
| National General | $181 | $2,174 |
| GEICO | $208 | $2,496 |
| Auto-Owners Insurance Co | $226 | $2,716 |
| Travelers | $234 | $2,814 |
| State Farm | $275 | $3,305 |
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.
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Coverage: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.
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Coverage Level: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
Average state car insurance costs for 22-year-old drivers can differ significantly, ranging from $17 to $389 per month. These differences are driven by location-specific factors such as crime rates, weather patterns and population density. To help you understand costs in your area, we’ve provided a table below with average state rates.
| 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 |
Why Car Insurance Is Expensive for 22-Year-Olds
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 nighttime driving, speeding, distractions and neglecting to wear seat belts contribute to these increased rates, especially for male drivers.
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 $500-1,000. Here's how to maximize your savings:
- 1
Stay on a parent's policy
Staying on a parent's policy delivers the biggest savings for most 22-year-olds. While the average 22-year-old pays $2,525 annually for their own policy, adding them to a parent's plan typically costs just $800-1,200 extra per year. Most insurers allow you to remain on the family policy if you live at home or are a full-time student.
- 2
Shop around every six months
Insurance rates change frequently. For 22-year-olds, rate differences of up to $1,500 exist between the cheapest and most expensive companies for identical coverage. Spending 30 minutes shopping could save you $30-50 monthly.
- 3
Find discounts you qualify for
Twenty-two-year-olds can qualify for various common car insurance discounts. Savings opportunities include discounts for students, completing young driver education programs, and enrolling in usage-based insurance plans, which can reduce premiums by up to 40%.
- 4
Choose a safe, older car
Vehicle choice affects your insurance costs, even among safer models. For 22-year-olds, annual minimum coverage ranges from $565 for an Audi R8 to $686 for a Tesla Model Y. Choosing vehicles with high safety ratings while avoiding high-theft targets, sports cars, or modified vehicles can save you around $200 per year compared to riskier options.**
- 5
Adjust your coverage amount
If you can afford to replace your car out of pocket, choosing a liability-only auto insurance policy can be a cost-effective way to save money. For those who prefer full coverage, increasing your deductibles is another strategy to lower your premium.
- 6
Bundle your policies
If you rent an apartment, bundling renters insurance with your auto policy typically saves 10-25%. For a 22-year-old paying $2,500 annually for car insurance, adding a $200 renters policy could create net savings of $50-425.
- 7
Pay your premium in full
Most insurers charge monthly processing fees of $5-15. Paying your full premium upfront eliminates these fees and often qualifies you for additional "paid-in-full" discounts of 3-5%.
- 8
Enroll in usage-based insurance programs
Programs like Progressive's Snapshot and State Farm's Drive Safe & Save track your driving habits. For a 22-year-old paying $2,500 annually, safe driving behaviors can reduce premiums by $500-1,000, with the best drivers cutting costs to $1,500.
- 9
Improve your credit score
In most states, insurance companies use credit scores to determine rates. For 22-year-olds, excellent credit (750+) costs $2,100 versus poor credit (580) at $2,700 annually. Even improving from fair to good credit typically saves $200-400 per year.
- 10
Raise your deductible
Raising your deductibles from $500 to $1,000 typically saves $100-300 annually. For a 22-year-old with a $2,500 premium, this reduces costs to $2,200-2,400. Just ensure you have emergency savings to cover the higher deductible.
- 11
Consider liability-only coverage
If your car is worth under $3,000-4,000, dropping full coverage may make sense. A 22-year-old could pay $1,600 for liability-only versus $2,500 for full coverage – saving $900 annually. 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.
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-milage 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?
For 22-year-olds, the average monthly cost is about $92 for minimum coverage and $217 for full coverage. However, these rates can differ greatly by state, with monthly averages ranging from $40 to $237. These estimates are based on drivers with clean records and good credit who are covered under a family policy.
Why is car insurance expensive for 22-year-old drivers?
Car insurance is expensive for 22-year-old drivers because they are considered higher risk due to limited driving experience. This increases the likelihood of accidents, leading insurers to charge higher premiums to account for potential claims and liabilities.
Is car insurance more expensive for 22-year-old males?
Yes, car insurance is typically more expensive for 22-year-old males. Statistically, they are more likely to be involved in accidents compared to females, which leads insurers to charge higher premiums to account for the increased risk.
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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed January 14, 2025.