What is the best car insurance company for 22-year-olds?

The best insurance company is different for everyone, as each driver has different needs for their car insurance policy. You should determine what you want from an insurance company — whether its 24/7 phone assistance, a mobile app, the best rates or highly-ranking customer service — in order to narrow down the options to the companies that fit your requirements. For young drivers in particular, you may want to look for companies that offer good student and additional driver training discounts. Once you’ve narrowed down the options, you can compare personalized quotes from these companies to find the one that meets your needs at an affordable price.

Can a 22-year-old be added to their parents’ insurance policy?

A 22-year-old may be able to be added to their parents’ insurance policy if they are still a member of the parent’s household. This includes 22-year-old drivers who are away at college and live on campus during the school year but still use their parents address as their permanent residence. A young driver living on their own at a different address than their parents may not qualify to be added to their parents’ insurance policy. However, the rules regarding who can be added to parent policies will differ by insurance company, so you may want to reach out to your insurer to find out their specific requirements.

Does the type of car I drive impact my insurance rates?

The type of car you drive can impact your auto insurance rate. Insurance companies will review numerous factors including the year, make, model, trim level and market value of your vehicle when calculating a premium. Other potential factors include the crash rates of a vehicle based on available safety data, the likelihood of it being stolen, as well as the costs of replacement parts and labor in your area.

How fast can I get car insurance?

While it's important to do your research before settling on a car insurance company, the process of purchasing a policy can move very quickly. By having all the necessary information and documents in place, it is possible to have a car insurance policy in place quickly after receiving the quote, sometimes the same day. However, also keep in mind that although many companies offer online quotes and applications, you may also be required to contact a company representative or local insurance agent to purchase the coverage. If you already have an existing policy in place and are replacing your current vehicle or adding a second vehicle onto that policy, you can typically do this instantaneously as long as you have your vehicle’s VIN number on hand and know what coverage types you want to add.

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Car insurance for 22-year-olds

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Updated Mar 24, 2025

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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 $4,186 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 $1,245. As expected, these rates are higher than the national average annual cost of car insurance — based on a 40-year-old driver — which is $2,678 for full coverage and $799 for minimum coverage.

Drivers under age 25 are considered to be relatively inexperienced by most insurance companies and are often charged a higher premium to compensate for the greater risk they present. As you gain more experience behind the wheel, you may see your auto insurance rates gradually decrease as long as you avoid accidents and tickets. Bankrate’s sample profile for a 22-year-old driver represents a 22-year-old on their own policy, who rents rather than owns their own home.

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 generally based on different risk factors and regulations surrounding insurance in every state. Additionally, how much car insurance is for a 22-year-old will be based on varying rates of collisions, vehicle thefts and costs for repairs in individual ZIP codes. All of these determine the average rates quoted in each state.

Hawaii