Car Insurance for 21-Year-Olds: Average Rates by State (2026)
Quick Answer
A 21-year-old driver pays an average of $355/month ($4,258/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 21-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $2,175/yr | $181/mo | $640/yr | Details |
| Vermont | $2,241/yr | $187/mo | $673/yr | Details |
| New Hampshire | $2,307/yr | $192/mo | $684/yr | Details |
| Idaho | $2,385/yr | $199/mo | $696/yr | Details |
| Ohio | $2,495/yr | $208/mo | $729/yr | Details |
| North Carolina | $2,628/yr | $219/mo | $861/yr | Details |
| Iowa | $2,716/yr | $226/mo | $729/yr | Details |
| Wisconsin | $2,749/yr | $229/mo | $773/yr | Details |
| Wyoming | $2,837/yr | $236/mo | $773/yr | Details |
| North Dakota | $2,848/yr | $237/mo | $773/yr | Details |
| Indiana | $2,937/yr | $245/mo | $850/yr | Details |
| Hawaii | $2,959/yr | $247/mo | $861/yr | Details |
| South Dakota | $2,959/yr | $247/mo | $795/yr | Details |
| Montana | $3,036/yr | $253/mo | $806/yr | Details |
| Virginia | $3,058/yr | $255/mo | $905/yr | Details |
| Nebraska | $3,157/yr | $263/mo | $850/yr | Details |
| Oregon | $3,213/yr | $268/mo | $927/yr | Details |
| Washington | $3,246/yr | $271/mo | $960/yr | Details |
| West Virginia | $3,257/yr | $271/mo | $927/yr | Details |
| Alaska | $3,279/yr | $273/mo | $839/yr | Details |
| Pennsylvania | $3,356/yr | $280/mo | $795/yr | Details |
| Tennessee | $3,356/yr | $280/mo | $983/yr | Details |
| Utah | $3,378/yr | $282/mo | $972/yr | Details |
| New Mexico | $3,411/yr | $284/mo | $938/yr | Details |
| Illinois | $3,433/yr | $286/mo | $1,148/yr | Details |
| Minnesota | $3,456/yr | $288/mo | $1,038/yr | Details |
| Alabama | $3,485/yr | $290/mo | $1,082/yr | Details |
| Arkansas | $3,577/yr | $298/mo | $1,027/yr | Details |
| Missouri | $3,643/yr | $304/mo | $1,049/yr | Details |
| Mississippi | $3,654/yr | $305/mo | $1,093/yr | Details |
| Massachusetts | $3,709/yr | $309/mo | $1,214/yr | Details |
| South Carolina | $3,709/yr | $309/mo | $1,126/yr | Details |
| Maryland | $3,853/yr | $321/mo | $1,225/yr | Details |
| Kansas | $3,875/yr | $323/mo | $1,093/yr | Details |
| Arizona | $3,952/yr | $329/mo | $1,170/yr | Details |
| Colorado | $3,996/yr | $333/mo | $1,115/yr | Details |
| Delaware | $4,019/yr | $335/mo | $1,391/yr | Details |
| Oklahoma | $4,096/yr | $341/mo | $1,181/yr | Details |
| Rhode Island | $4,272/yr | $356/mo | $1,358/yr | Details |
| California | $4,445/yr | $370/mo | $1,049/yr | Details |
| Texas | $4,460/yr | $372/mo | $1,159/yr | Details |
| Georgia | $4,571/yr | $381/mo | $1,402/yr | Details |
| Connecticut | $4,582/yr | $382/mo | $1,590/yr | Details |
| Kentucky | $4,615/yr | $385/mo | $1,413/yr | Details |
| Nevada | $4,714/yr | $393/mo | $1,435/yr | Details |
| Michigan | $5,388/yr | $449/mo | $1,766/yr | Details |
| New Jersey | $5,564/yr | $464/mo | $1,722/yr | Details |
| Louisiana | $6,823/yr | $569/mo | $1,976/yr | Details |
| New York | $7,066/yr | $589/mo | $2,628/yr | Details |
| Florida | $7,259/yr | $605/mo | $2,053/yr | Details |