Car insurance for 22-year-olds

How much is car insurance for a 22-year-old?

The national average cost of car insurance for a 22-year-old driver on their own full coverage policy is $4,200 per year, according to data provided by Quadrant Information Services. If you have a policy with minimum coverage, the average annual rate for a 22-year-old is $1,253. As expected, these rates are higher than the national average annual cost of car insurance — based on a 40-year-old driver — which is $2,685 for full coverage and $800 for minimum coverage.

You might be “feeling 22,” like Taylor Swift said in her hit song. But after seeing these average rates, you may not feel like dancing. Until the age of 25, you are still considered to be relatively inexperienced by most insurance companies and are often charged a higher premium to compensate for your increased risk of filing a claim. However, with a driving record clean of accidents and tickets, 22-year-olds may still be able to find rates below the national average for their age demographic by shopping around.

Average car insurance cost for 22-year-olds by state

Insurance rates vary by state, so knowing both the national average premium for your age group, as well as your state’s average premium, can be helpful for the sake of comparison. Rates are highly influenced by a state’s insurance regulations and unique risk factors, such as accident rates, vehicle thefts and repair costs. Each individual ZIP code within a state may even have its own local risk factors that could alter rates further, but the state averages below for 22-year-olds can serve as a good reference point when shopping for insurance.

Best cheap car insurance companies for 22-year-olds

Car insurance companies vary greatly — not only in the rates charged but also in coverage options and customer service. To help you find the best auto insurance carriers with the most affordable premiums, Bankrate’s insurance editorial team reviewed the top companies by market share.

We’ve included each company’s Bankrate Score, which is calculated on a five-point scale based on our assessment of coverage availability, options, discounts, price, customer satisfaction and financial strength, among a few other factors. If you are in the market for the best car insurance for 22-year-old drivers, comparing auto insurance rates from these five major providers may be a good place to start.

How to save on car insurance for 22-year-olds

While the average cost of car insurance for 22-year-olds tends to be higher than it is for older drivers, there are several ways you may be able to lower your auto insurance rate.

Maintain a good driving record

Keeping your driving record clean is the best way to keep your premium costs down. It's also a good way to stay safe when behind the wheel and avoid high potential costs from accidents and other moving violations. A single speeding ticket may be enough to cause your rate to increase, and a serious infraction — such as a DUI — typically results in a significant rise in your premium.

Get good grades

Many insurance companies offer discounts for teens and young adults if they have good grades in high school or as full-time college students. You will likely have to present a recent report card to your insurance company to qualify for this discount. Every company has different requirements, so be sure to ask your insurance company if you qualify.

Leave your car at home when away at college

If you are a college student living away from home, you may qualify for a discount on your auto insurance policy if you choose to leave your car behind. Most companies dictate how many miles you must be away from home in order to qualify for this discount. For example, you may need to be going to a school that is at least 100 miles from your home address in order to qualify.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 22 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.