Car Insurance for 22-Year-Olds: Average Rates by State (2026)
Quick Answer
A 22-year-old driver pays an average of $322/month ($3,864/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 22-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,974/yr | $165/mo | $581/yr | Details |
| Vermont | $2,034/yr | $170/mo | $611/yr | Details |
| New Hampshire | $2,094/yr | $175/mo | $621/yr | Details |
| Idaho | $2,164/yr | $180/mo | $631/yr | Details |
| Ohio | $2,265/yr | $189/mo | $661/yr | Details |
| North Carolina | $2,385/yr | $199/mo | $782/yr | Details |
| Iowa | $2,465/yr | $205/mo | $661/yr | Details |
| Wisconsin | $2,495/yr | $208/mo | $701/yr | Details |
| Wyoming | $2,575/yr | $215/mo | $701/yr | Details |
| North Dakota | $2,585/yr | $215/mo | $701/yr | Details |
| Indiana | $2,665/yr | $222/mo | $772/yr | Details |
| Hawaii | $2,685/yr | $224/mo | $782/yr | Details |
| South Dakota | $2,685/yr | $224/mo | $721/yr | Details |
| Montana | $2,756/yr | $230/mo | $731/yr | Details |
| Virginia | $2,776/yr | $231/mo | $822/yr | Details |
| Nebraska | $2,866/yr | $239/mo | $772/yr | Details |
| Oregon | $2,916/yr | $243/mo | $842/yr | Details |
| Washington | $2,946/yr | $246/mo | $872/yr | Details |
| West Virginia | $2,956/yr | $246/mo | $842/yr | Details |
| Alaska | $2,976/yr | $248/mo | $762/yr | Details |
| Pennsylvania | $3,046/yr | $254/mo | $721/yr | Details |
| Tennessee | $3,046/yr | $254/mo | $892/yr | Details |
| Utah | $3,066/yr | $256/mo | $882/yr | Details |
| New Mexico | $3,096/yr | $258/mo | $852/yr | Details |
| Illinois | $3,116/yr | $260/mo | $1,042/yr | Details |
| Minnesota | $3,136/yr | $261/mo | $942/yr | Details |
| Alabama | $3,163/yr | $264/mo | $982/yr | Details |
| Arkansas | $3,246/yr | $271/mo | $932/yr | Details |
| Missouri | $3,307/yr | $276/mo | $952/yr | Details |
| Mississippi | $3,317/yr | $276/mo | $992/yr | Details |
| Massachusetts | $3,367/yr | $281/mo | $1,102/yr | Details |
| South Carolina | $3,367/yr | $281/mo | $1,022/yr | Details |
| Maryland | $3,497/yr | $291/mo | $1,112/yr | Details |
| Kansas | $3,517/yr | $293/mo | $992/yr | Details |
| Arizona | $3,587/yr | $299/mo | $1,062/yr | Details |
| Colorado | $3,627/yr | $302/mo | $1,012/yr | Details |
| Delaware | $3,647/yr | $304/mo | $1,263/yr | Details |
| Oklahoma | $3,717/yr | $310/mo | $1,072/yr | Details |
| Rhode Island | $3,878/yr | $323/mo | $1,232/yr | Details |
| California | $4,035/yr | $336/mo | $952/yr | Details |
| Texas | $4,048/yr | $337/mo | $1,052/yr | Details |
| Georgia | $4,148/yr | $346/mo | $1,273/yr | Details |
| Connecticut | $4,158/yr | $347/mo | $1,443/yr | Details |
| Kentucky | $4,188/yr | $349/mo | $1,283/yr | Details |
| Nevada | $4,279/yr | $357/mo | $1,303/yr | Details |
| Michigan | $4,890/yr | $408/mo | $1,603/yr | Details |
| New Jersey | $5,050/yr | $421/mo | $1,563/yr | Details |
| Louisiana | $6,192/yr | $516/mo | $1,794/yr | Details |
| New York | $6,413/yr | $534/mo | $2,385/yr | Details |
| Florida | $6,588/yr | $549/mo | $1,864/yr | Details |