National General has 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.
Best Cheap Car Insurance for 22-Year-Olds in 2026
Updated: July 24, 2026
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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 |
Rates are the average of minimum and full coverage for a family policy on a 2012 Toyota Camry with clean records and good credit, shown for both male and female drivers and widely available national carriers.
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 cheapest full coverage rate at $127 monthly or $1,524 annually, though its availability is limited. National General is next at $174 monthly, $47 more per month or $564 more annually, so Concord Group is worth quoting first if you can get it. Among carriers available nationwide, GEICO is cheapest at $208 monthly 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.
DO YOU NEED FULL COVERAGE?
Full coverage, including comprehensive and collision, adds hundreds of dollars to your premium. Consider it only if your vehicle is worth more than $4,000. Otherwise, the added cost can exceed what a claim would pay.
Cheapest Car Insurance for 22-Year-Olds by State
GEICO is cheapest in 29 states, averaging $208 monthly or $2,493 annually, while State Farm, Nationwide, Allstate and Progressive are cheapest in the others. Rates vary by state, from $59 a month in North Carolina to $426 in Louisiana. Among the biggest markets, Progressive is cheapest in California and GEICO in Florida and Hawaii.
| 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 shapes your rate through state regulations, weather risk, population density, crime rates and local accident data.
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 different exists because 22-year-old men have higher crash rates per mile driven.
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 have 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 adding a 22-year-old to your policy, pick a vehicle that is both safe and cheap to insure. Most models cost under $600 a year for minimum coverage.
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
22-year-olds pay some of the highest premiums, but several moves bring the cost down. Staying on a parent's policy saves the most, and shopping around, good credit and a usage-based program each add savings on top.
- 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 priciest companies for 22-year-olds can be $1,500 a year apart 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, including good student, young driver education, defensive driving and usage-based insurance, whose discount reaches 40% for the safest drivers. If you rent, bundling renters with auto saves 10% to 25%. On a $2,500 premium, a $200 renters policy nets $50 to $425 in savings.
- 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
Dropping full coverage on a car worth under $3,000 to $4,000 saves $900 a year at most. On newer cars, raising your deductible from $500 to $1,000 saves $100 to $300 a year. Confirm you have enough saved 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, that ranges from $500 to $1,000 in savings.
- 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 cut a 22-year-old's rate by 30% to 50% combined. Staying on a parent's policy is the largest at 50%, and usage-based programs reach 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 drivers and their families can lower the cost by comparing quotes, staying on a family policy and using available discounts. GEICO and Nationwide are often among the cheapest for 22-year-olds nationwide, though shopping around is still the way to find the best rate.
Car Insurance for 22-Year-Olds: FAQ
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.
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.
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.
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 expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.