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Last updated: April 11, 2023

Car Insurance for 22-Year-Olds

Car insurance premiums move to reasonable averages as drivers gain more experience

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There’s no secret that car insurance rates are higher for younger drivers than older drivers, even with the same driving record. But when a driver turns 22, they will start to see rates move closer to average as they gain more driving experience. A 22-year-old can expect to pay an average of $1,670 in annual premiums, whereas just a couple of years earlier, a 20-year-old can expect to pay $2,931 per year. Rates will continue to decrease as you age, which is great news for your wallet.

Car Insurance for 22-Year-Olds

Age is one of the major defining factors when it comes to rating auto drivers for insurance purposes. Young drivers have less experience driving and tend to be less mature. Thus, insurance companies expect them (based on statistics) to make poor decisions that result in accidents or tickets. This expectation is why getting insurance as a 16-year-old is very expensive, averaging over $4,000 per year. The rate decreases with each passing year and becomes less intimidating once a driver turns 22.

The average annual rate for the 22-year-old age group is $1,670 for full coverage, whereas someone older in their mid-30s will pay an average of $1,540 per year. This data suggests that 22 is the age that insurance companies start to see drivers as experienced and mature. Of course, getting the minimum required coverage can save a 22-year-old money, with the average being only $836 per year.

However, even though the rates start to level out, they are still well above the national averages of $1,047 for full coverage and $565 for minimum coverage. Factors like ZIP codes, sex and credit scores affect the cost of car insurance as well.

Cheapest Car Insurance for a 22-Year-Old Driver

Every insurance company is different when it comes to price. There are a few companies that do better than others when it comes to rating 22-year-olds. The cheapest insurance companies for a 22-year-old are below.

Car insurance carrier Full coverage annual premium
USAA $1,603
GEICO $1,816
Nationwide $1,888

Which Vehicles Are Cheapest to Insure for a 22-Year-Old?

The choice of a car dramatically affects the rate that a 22-year-old will pay for insurance. Each car type has its own rating based on average driver data that insurance companies have accumulated over the years.

A truck tends to be heavier than a sedan and is less likely to be damaged than a sedan in an accident, for example. This type of data lowers the rate for a truck. Here are the averages based on the vehicle type.

Vehicle type Average annual premium for 22-year-olds
Sedan $2,276
Hybrid $2,110
Luxury $2,090
SUV $1,934
Truck $1,732
Van $1,688

How to Save on Car Insurance for a 22-Year-Old

Not every 22-year-old’s driving record is equal. Some 22-year-olds will get better rates than others because of factors like driving history. Here’s what you can do for younger drivers looking to save on auto insurance:1

  1. Keep a good driving record: It doesn’t matter how old you are; a person with a good driving record will always pay less than someone with a bad driving record. Insurance companies insure risk and high risks are more expensive than low risks. Bad drivers are more likely to get into accidents that lead to losses, costing the insurance company money. Keep your driving record free of accidents and tickets to avoid inflated auto insurance rates.
  2. Earn good grades: Many 22-year-olds are just wrapping up their college educations. Having a B average or better will help keep insurance costs down for those in school. Most insurance companies offer a good grade discount to college students.2


Some insurance companies keep a good student discount for a year or two after graduation for those who graduate with B averages or higher.

  1. Make sure you get all eligible discounts: Discounts are a big way for 22-year-olds to save on auto insurance. Talk to your insurance agent about discounts. A common discount is a bundling discount where you can have a renters policy to protect your belongings in your home, along with your auto insurance.


A baseline renters policy will cost around $8 to $12 monthly. That’s $98 to $144 per year. If you get a 10 percent discount on $1,670 in annual auto insurance premiums, you are saving $167 each year. The math shows that you get two policies for better protection and still save money on premiums overall.

  1. Choose the right car: It is wise to call an insurance company and get quotes for different types of cars that you are considering buying. It’s always free to get a quote, and it’s good to know that you’ll spend more for a sedan than for an SUV in many cases. The cost of car insurance is cheaper with most trucks and vans compared to most sedans.

    Your insurance is an important part of the cost of car ownership, and you want to know the best type of car to save money on insurance.

How to Get the Best Car Insurance Rates for a 22-Year-Old

Comparing quotes is the way for 22-year-old drivers to get the best car insurance. Here’s how to get the best car insurance:

  1. Get a baseline quote from an auto insurance company.
  2. Make sure the quote has the coverage that you desire.
  3. Shop that quote around with other carriers, matching the coverage.
  4. Check insurance ratings such as  AM Best or Moody’s for each carrier, choosing to work with the highest-rated companies. These ratings measure the financial strength of the company; it’s best to work with the strongest. We also recommend looking at J.D. Power’s Auto Insurance Study, which measures customer satisfaction.


When a driver hits age 22, they start to see their insurance premiums get closer to the national average. Drivers can ensure that they get the best rates by shopping quotes among top carriers and keeping clean driving records.

Frequently Asked Questions

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

Insurance carriers can add a 22-year-old can to a parent’s insurance policy, whether they live in the same home or are away at school but are still a dependent. Being on a family policy can help the 22-year-old save money in many cases because there are multicar discounts and bigger homeowners’ discounts.

At what age is car insurance cheapest?

Car insurance is cheapest for those in their mid-50s as they have ample driving experience but typically no medical issues that impact their vision or cognition.

Why is my insurance so high at 22?

Younger drivers are statistically more likely to be involved in traffic accidents or get moving violations. This increases the risk to insurance companies. Insurance companies offset that risk by charging a higher premium to drivers under the age of 25.


  1. Nine ways to lower your auto insurance costs. Insurance Information Institute. (2023).

  2. Car insurance for teens and new drivers. State Farm. (2023).