Progressive offers the cheapest insurance at $102 per month, followed by Nationwide at $127 per month. You can get other affordable car insurance through GEICO, State Farm and Allstate.
Cheapest Car Insurance for 21-Year-Olds
Updated: March 13, 2026
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Most Affordable Car Insurance for 21-Year-Olds: MoneyGeek's Take
Progressive, Nationwide, GEICO, State Farm, and Allstate are the top five cheapest car insurance companies for 21-year-olds.
The cheapest monthly car insurance costs for 21-year-old drivers start at $101 for minimum coverage and $224 for full coverage from GEICO nationally, but rates in some states are as low as $51 per month.
Male drivers pay about $152 monthly for minimum coverage and $311 for full coverage, while females pay about $147 and $293, respectively, showing consistent gender-based pricing differences.
Cheapest Car Insurance Rates for 21-Year Olds
| Progressive | $102 | $1,224 |
| Nationwide | $127 | $1,520 |
| GEICO | $158 | $1,898 |
| State Farm | $161 | $1,930 |
| Allstate | $191 | $2,294 |
Cheapest Minimum Liability Car Insurance for 21-Year-Olds
GEICO provides the cheapest minimum liability car insurance among national providers at $1,218 per year or $101 monthly. State Farm is second at $137 monthly, while Allstate, Progressive, and Nationwide charge $163 to $185 per month.
| GEICO | $101 | $1,218 |
| State Farm | $137 | $1,646 |
| Allstate | $163 | $1,961 |
| Progressive | $174 | $2,085 |
| Nationwide | $185 | $2,214 |
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 21-Year-Olds
The cheapest full coverage auto insurance for 21-year-old drivers on a family policy is offered by GEICO with an annual cost of $2,692 or just $224 per month.
| GEICO | $224 | $2,692 |
| State Farm | $280 | $3,364 |
| Allstate | $324 | $3,885 |
| Nationwide | $345 | $4,143 |
| Progressive | $352 | $4,219 |
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 21-Year-Olds by State
Car insurance for a 21-year-old on a family policy costs $51 to $302 monthly, depending on your state.
| Alabama | GEICO | $133 | $1,599 | $50 |
| Alaska | GEICO | $89 | $1,063 | $78 |
| Arizona | GEICO | $175 | $2,101 | $46 |
| Arkansas | GEICO | $155 | $1,864 | $33 |
| California | GEICO | $114 | $1,364 | $90 |
| Colorado | GEICO | $140 | $1,684 | $72 |
| Connecticut | GEICO | $174 | $2,089 | $132 |
| Delaware | GEICO | $194 | $2,323 | $79 |
| District of Columbia | GEICO | $219 | $2,632 | $57 |
| Florida | State Farm | $266 | $3,192 | $143 |
| Georgia | GEICO | $189 | $2,264 | $73 |
| Hawaii | GEICO | $51 | $617 | $25 |
| Idaho | State Farm | $80 | $962 | $41 |
| Illinois | GEICO | $122 | $1,461 | $71 |
| Indiana | GEICO | $101 | $1,211 | $26 |
| Iowa | Progressive | $107 | $1,284 | $16 |
| Kansas | GEICO | $144 | $1,727 | $32 |
| Kentucky | State Farm | $183 | $2,193 | $36 |
| Louisiana | GEICO | $237 | $2,846 | $190 |
| Maine | GEICO | $94 | $1,127 | $27 |
| Maryland | GEICO | $182 | $2,178 | $86 |
| Massachusetts | GEICO | $164 | $1,962 | $104 |
| Michigan | GEICO | $124 | $1,488 | $127 |
| Minnesota | State Farm | $160 | $1,922 | $43 |
| Mississippi | Progressive | $165 | $1,986 | $21 |
| Missouri | GEICO | $141 | $1,697 | $90 |
| Montana | State Farm | $64 | $767 | $83 |
| Nebraska | GEICO | $106 | $1,271 | $52 |
| Nevada | GEICO | $302 | $3,624 | $80 |
| New Hampshire | GEICO | $97 | $1,159 | $39 |
| New Jersey | GEICO | $193 | $2,313 | $161 |
| New Mexico | GEICO | $131 | $1,569 | $35 |
| New York | Progressive | $151 | $1,809 | $95 |
| North Carolina | Progressive | $58 | $696 | $46 |
| North Dakota | GEICO | $88 | $1,051 | $31 |
| Ohio | GEICO | $113 | $1,357 | $28 |
| Oklahoma | Progressive | $138 | $1,659 | $36 |
| Oregon | GEICO | $153 | $1,833 | $31 |
| Pennsylvania | Nationwide | $191 | $2,295 | $76 |
| Rhode Island | State Farm | $156 | $1,871 | $102 |
| South Carolina | Allstate | $173 | $2,075 | $46 |
| South Dakota | Progressive | $64 | $769 | $57 |
| Tennessee | GEICO | $164 | $1,969 | $22 |
| Texas | State Farm | $157 | $1,881 | $66 |
| Utah | GEICO | $140 | $1,681 | $83 |
| Vermont | State Farm | $73 | $876 | $25 |
| Virginia | GEICO | $128 | $1,534 | $56 |
| Washington | GEICO | $185 | $2,216 | $8 |
| West Virginia | GEICO | $161 | $1,930 | $19 |
| Wisconsin | GEICO | $87 | $1,049 | $69 |
| Wyoming | State Farm | $81 | $974 | $20 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
Cheapest Car Insurance for 21-Year-Olds by Gender
GEICO provides the cheapest national car insurance for 21-year-old women at $102 per month for minimum liability coverage, beating State Farm by $27 monthly and saving nearly $950 annually compared to Nationwide's $180 rate.
GEICO provides the most affordable car insurance for 21-year-old male drivers at $100 per month for minimum liability coverage, with State Farm following at $146 monthly and Nationwide at $189 per month. That's a difference of nearly $1,100 annually between cheapest and least affordable provider.
How to Save Money on Car Insurance for 21-Year-Olds
Twenty-one-year-old drivers pay higher car insurance premiums than older age groups. You and your family can reduce these costs through strategic coverage choices and discount opportunities.
- 1Stay on a parent's policy
Remaining on a parent's policy usually costs less than buying your own coverage.
- 3Find discounts you qualify for
Twenty-one-year-olds qualify for several car insurance discounts: These include
good student discounts, driver education course completion and usage-based insurance programs
- 4Choose a safe, older car
Affordable vehicles with strong safety ratings cost less to insure. You pay less insurance for cars that are cheaper to fix.
- 5Adjust your coverage amount
Consider liability-only car insurance if you can replace your car out of pocket.
Average Cost of Car Insurance for 21-Year-Olds
Annual car insurance costs for 21-year-olds are $150 per month for minimum coverage and $302 for full coverage. These averages apply to drivers with clean records and good credit
Car Insurance Cost for 21-Year-Olds by Coverage and Gender
For minimum liability, females pay $147 monthly while males pay $152. With full coverage, females pay $293 monthly compared to males at $311. Female drivers typically pay about 6 to 9% less for car insurance than male drivers at age 21. This translates to real savings. Women pay around $2,596 annually while men pay $2,891 for the same coverage.
Young men statistically file more claims and are involved in more serious accidents than women their age. Insurance companies use this data when calculating rates, which means male drivers face higher premiums during their early twenties.
Data filtered by:
State Minimum Liability Only
| Female | $147 | $1,764 |
| Male | $152 | $1,827 |
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 21-Year-Olds by State
For 21-year-old drivers, monthly rates range from $31 to $418 depending on state. Crime rates, weather and population density all move the number. Check average state rates to estimate costs in your area.
| Alabama | $154 | $1,843 |
| Alaska | $155 | $1,856 |
| Arizona | $229 | $2,743 |
| Arkansas | $158 | $1,895 |
| California | $198 | $2,376 |
| Colorado | $211 | $2,534 |
| Connecticut | $300 | $3,594 |
| Delaware | $279 | $3,348 |
| District of Columbia | $204 | $2,453 |
| Florida | $387 | $4,646 |
| Georgia | $269 | $3,224 |
| Hawaii | $68 | $817 |
| Idaho | $110 | $1,315 |
| Illinois | $174 | $2,094 |
| Indiana | $131 | $1,574 |
| Iowa | $124 | $1,483 |
| Kansas | $163 | $1,951 |
| Kentucky | $222 | $2,664 |
| Louisiana | $395 | $4,734 |
| Maine | $109 | $1,302 |
| Maryland | $298 | $3,580 |
| Massachusetts | $217 | $2,604 |
| Michigan | $242 | $2,908 |
| Minnesota | $176 | $2,117 |
| Mississippi | $168 | $2,015 |
| Missouri | $227 | $2,721 |
| Montana | $143 | $1,714 |
| Nebraska | $167 | $2,005 |
| Nevada | $353 | $4,232 |
| New Hampshire | $145 | $1,736 |
| New Jersey | $328 | $3,940 |
| New Mexico | $166 | $1,986 |
| New York | $283 | $3,395 |
| North Carolina | $122 | $1,469 |
| North Dakota | $120 | $1,436 |
| Ohio | $142 | $1,700 |
| Oklahoma | $199 | $2,393 |
| Oregon | $195 | $2,335 |
| Pennsylvania | $253 | $3,040 |
| Rhode Island | $251 | $3,007 |
| South Carolina | $210 | $2,517 |
| South Dakota | $129 | $1,547 |
| Tennessee | $153 | $1,839 |
| Texas | $260 | $3,117 |
| Utah | $211 | $2,535 |
| Vermont | $102 | $1,222 |
| Virginia | $176 | $2,117 |
| Washington | $181 | $2,175 |
| West Virginia | $163 | $1,957 |
| Wisconsin | $139 | $1,674 |
| Wyoming | $91 | $1,089 |
Cheapest Cars to Insure for 21-Year-Olds
The Subaru Forester costs $1,626 annually for full coverage, making it the cheapest option for teen drivers. Luxury vehicles cost more to insure. The BMW 3 Series charges $2,506 annually. Your family saves $4,400 over five years by choosing the Forester over the BMW.
Data filtered by:
Full Coverage
| Subaru Forester | Compact SUV | GEICO | $1,626 |
| Subaru Outback | Sedan | Nationwide | $1,685 |
| Acura MDX | Luxury SUV | Travelers | $1,771 |
| Toyota Tacoma | Pickup Truck | GEICO | $1,790 |
| Ford Expedition | SUV | Nationwide | $1,885 |
| MINI Electric | Compact | Nationwide | $1,893 |
| Nissan LEAF | Electric | Travelers | $1,935 |
| Ford Mustang Mach E | Sports Car | GEICO | $1,961 |
| Tesla Model Y | Luxury Electric | GEICO | $1,995 |
| Honda Odyssey | Minivan | GEICO | $1,998 |
| BMW 1 Series | Luxury Compact | GEICO | $2,056 |
| Porsche Taycan | Luxury Sports Car | GEICO | $2,076 |
| Mercedes GLA 250 | Luxury Compact SUV | GEICO | $2,192 |
| BMW 3 Series | Luxury Sedan | State Farm | $2,506 |
Cheap Car Insurance for 21-Year-Olds: Bottom Line
Car insurance for 21-year-olds costs $150 monthly for minimum coverage and $302 for full coverage on average, but you can reduce these expenses by comparing quotes, staying on family policies and using available discounts. GEICO and Progressive offer the most affordable rates among national providers for 21-year-old drivers, but shopping around helps you find the best rate.
Car Insurance for 21-Year-Olds: FAQ
21-year-olds pay more because insurers price age groups by accident risk. We answer common questions on cutting that cost.
What is the cheapest car insurance for a 21-year-old?
GEICO offers the most affordable car insurance options for 21-year-olds among national providers.
How much is car insurance for a 21-year-old per month?
On average, 21-year-olds pay $73 per month for minimum coverage and $154 per month for full coverage.
Why is car insurance expensive for 21-year-old drivers?
Car insurance for 21-year-olds is expensive because they are considered high-risk drivers. But they pay less than younger drivers.
Is car insurance more expensive for 21-year-old males?
Yes, car insurance is more expensive for 21-year-old males. They are more likely to have accidents compared to females.
Low-Cost Auto Insurance for 21-Year-Olds: Our Methodology
MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 21-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 21-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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AAA Foundation for Traffic Safety. "Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014–2015." Accessed July 8, 2025.
- Insurance Institute for Highway Safety. "Fatality Facts 2018: Teenagers." Accessed July 8, 2025.