Car insurance for 22-year-old

25 years old: $3,207 per year. For a 22-year-old male driver, the average cost of auto insurance is $4,274 per year. On the other hand, a 22-year-old female pays an average of $3,983 per year. Men usually pay more for auto insurance, although the rate differences are more substantial among younger drivers and teens.

A 21-year-old driver pays an average of $300 more in car insurance premiums than a 22-year-old driver. The average for 21-year-olds is $4,453 per year, while the average for 23-year-olds is $3,840 per year. The rates do change with each year you age, but younger drivers always pay more than older drivers.

As you'll see in the "Average car insurance rates by age" table below, in general, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again a bit at age 70. CarInsurance.com analyzed rates for 10 ZIP codes in each state for by age for three coverage levels.