Best Cheap Car Insurance for 21-Year-Old Drivers (2024)

Plymouth Rock Assurance, Auto-Owners, and Erie offer some of the most affordable rates for 21-year-old drivers.

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated July 18, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Drivers have found policies from Mercury, Farmers, Safety Insurance, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Newly minted 21-year-olds may find it challenging to find affordable car insurance even with a clean driving record. Statistically speaking, drivers in their early 20s are more likely to be in accidents. Despite making up just over 1% of the driver population, 21-year-olds are responsible for 1.4% of fatal crashes, according to a report from the National Safety Council.[1]

However, it’s possible to find cheap car insurance when you’re 21. Comparing car insurance quotes from multiple companies is an important first step.

Quick Facts
  • The average cost of car insurance for a 21-year-old in the U.S. is $334 per month, according to Insurify data.

  • Young male drivers pay higher rates than females on average because they tend to engage in riskier driving behaviors, leading to more accidents.

  • The cost of car insurance for 21-year-olds varies significantly by state and region, with North Carolina, Indiana, and Ohio being among the cheapest states and Louisiana, Nevada, and New York being the most expensive.

How much is car insurance for a 21-year-old?

On average, 21-year-olds pay just under $100 per month for liability-only coverage, Insurify data shows. But their monthly rates can reach as high as $422. Full coverage is even pricier, with average premiums ranging from $162 to $495.

Find Affordable Car Insurance for 21-Year-Olds

Liability-only rates start around $22/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Factors that affect car insurance rates for 21-year-olds

“Youthful drivers cost more on their insurance policy due to driving record history as a demographic. Even with a clean driving record, younger drivers historically have more accidents due to lack of driving experience,” says Dom Frey, a licensed insurance agent in Ohio with Hitchings Insurance Agency.

Insurers also consider the following factors when determining your car insurance rates:[2]

  • Driving record: Insurance companies see your driving record as an indicator of how likely you’ll have a future incident. A history of accidents and traffic violations can result in higher insurance rates. DUIs in particular will cause very high premiums.

  • Credit history: Drivers who keep their credit scores up are more likely to be responsible behind the wheel. Insurers use credit history to generate credit-based insurance scores that they then use to set rates about 95% of the time.

  • Gender and marital status: Younger drivers — particularly male drivers — have more accidents, leading to higher premiums.

  • Vehicle type and how you use it: The make and model of your vehicle, as well as how often and how far you drive, affect your rates.

  • Location: Where you live and park your car plays a role. Drivers in urban areas may see higher rates because accidents and auto thefts are more frequent than in rural areas.

  • Insurance history: If you don’t have auto insurance when you apply for coverage, most insurers will charge you more. You might also face higher premiums if you carry only state-minimum coverage.

  • Liability limits: Your choice of coverage affects your cost. Higher policy limits come with better financial protection, but you’ll pay higher rates.

  • Policy deductible: Going with a higher deductible can get you lower premiums since you agree to pay more out of your pocket when you file a claim. Just be sure you can cover the out-of-pocket costs if you need to file a claim.

Cheapest car insurance companies for 21-year-old drivers

The insurance company you choose can influence the car insurance rates you’ll pay, so it’s important to compare car insurance rates. Here's a look at average monthly rates for liability-only and full-coverage policies for 21-year-olds from some top insurers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$50$23
Hugo$68$59
NJM$82$50
Auto-Owners$101$47
Erie$111$63
USAA$120$55
Mile Auto$134$72
Metromile$138$85
CSAA$143$92
Root$143$96
GEICO$144$66
State Farm$148$68
Progressive$150$86
Safeco$152$86
Allstate$163$74
Clearcover$166$103
American Family$169$76
National General$193$93
Mercury$193$100
Elephant$208$114
Nationwide$217$99
Travelers$225$104
State Auto$229$113
Direct Auto$231$117
Shelter$249$131
Dairyland$254$94
Liberty Mutual$258$125
The Hartford$259$159
AssuranceAmerica$268$154
Farmers$282$127
The General$285$135
Chubb$290$136
21st Century$306$141
Infinity$307$220
GAINSCO$312$139
Bristol West$315$143
Foremost$358$173
Commonwealth Casualty$369$142
Amica$380$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

While not necessarily the cheapest option for all drivers, the following insurance companies offer good rates, discounts, and policy options for young drivers.

Plymouth Rock Assurance

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR

Plymouth Rock Assurance is a solid option for drivers in the northeastern United States. Annual policies are available, and paying in full can net you a 4% discount.

Other discounts you might be eligible for include:

  • Safe driver discount

  • Anti-theft device discount

  • eDocuments discount

You’ll find optional coverages to customize your policy, such as accident forgiveness, full glass coverage, new-car replacement, loan/lease gap coverage, towing and labor, and roadside assistance.

Read more driver reviews of Plymouth Rock
Rose - July 8, 2024
Verified

Good

The price is very high. I am looking for a lower premium.

Kenneth - June 26, 2024
Verified

No Accidents, but the Price Keeps Rising

I have no claims or accidents, yet the policy price keeps increasing.

Carlos - June 19, 2024
Verified

Good Company

Great

Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

Auto-Owners Insurance is another good option for 21-year-olds who value personal relationships with insurance agents. Its independent agents give you a point of contact to take care of your insurance business.

Discounts to consider for 21-year-olds include:

  • Good student discount

  • Student away at school discount

  • Safety features discount

  • On-time payments discount

  • Paid-in-full discount

  • Advanced quote discount

  • Paperless billing discount

Auto-Owners has a wide range of coverages available in six-month terms. Besides the basic coverages you’d expect, you can get rental car coverages, gap insurance, accident forgiveness, and deductible waiver.

Pros
  • High customer satisfaction

  • Multiple discounts

Cons
  • Only available in 26 states

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Erie

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo

Erie might be your best bet if customer satisfaction is important to you. It’s one of the top choices in customer satisfaction in the 2022 J.D. Power U.S. Auto Insurance Study, with 893 out of 1,000 points. Paying in full for the year can qualify you for a discount.

Other discounts you might benefit from include:

  • College student discount

  • Vehicle storage discount (if you go away to college)

  • Rate lock discount

  • Accident forgiveness discount

  • Diminishing deductible discount

  • Safety features discount

Erie policies can cover your travel expenses if your car becomes disabled, as well as pets if they’re injured while you’re traveling. You can also get accident forgiveness after you’ve been claims-free for three years.

Pros
  • Excellent BBB, J.D. Power, and A.M. Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Cons
  • Available in only 12 states

  • Customers can’t buy a policy or file a claim online

Read more driver reviews of Erie Insurance
Kelly - July 14, 2024
Verified

Fair

They increased the price without any warning.

Holly - July 14, 2024
Verified

I have been with Erie Insurance for over 30 years. During that time, I have recommended Erie to many people. However, recently, I am finding that I am paying much more for my insurance with Erie than what people are paying with competitors. That's why I'm starting to research other companies and coverage.

I have been with Erie Insurance for over 30 years. During that time, I have recommended Erie to many people. However, recently, I am finding that I am paying much more for my insurance with Erie than what people are paying with competitors. That's why I'm starting to research other companies and coverage.

Glenda - July 13, 2024
Verified

Expensive

Find a cheaper insurance.

USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

USAA is a popular car insurance company for military members and their families. The company has a strong reputation for customer service. It ranks in one of the top spots in the industry, according to the J.D. Power 2022 U.S. Auto Insurance Study.

If you get a quote from USAA, ask about discounts that can lower your premiums, such as:

  • Good student discount

  • Clean driving record discount

  • Military base or installation discount

  • Anti-theft devices discount

USAA’s coverage can help protect you and others on the road with liability, comprehensive, and collision options. You also have the option to customize your policy with roadside assistance and rental reimbursement.

Pros
  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

Read more driver reviews of USAA
Ronald - July 17, 2024
Verified

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Connie - July 17, 2024
Verified

Great Company, Great Employees

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

John - July 16, 2024
Verified

Good

Invest more in customer service and less in advertising.
Check Out: What is Roadside Assistance and How Does It Work?

Check Out: What is Roadside Assistance and How Does It Work?

Average car insurance rates by age and gender

Car insurance costs vary considerably by age and gender, with males paying more than females on average.

“The reason male drivers might pay more is because statistically they are involved in more accidents, especially under the age of 25,” says Ashley Jantovsky, licensed insurance agent for Perfect Price Insurance Agency in Livonia, Michigan.

Men tend to engage in riskier driving behaviors than women, including driving under the influence, driving without a seatbelt, and speeding, according to the Insurance Institute for Highway Safety (IIHS). From 1975 to 2020, men had a 136% higher chance of being involved in a fatal crash on average, according to IIHS data on motor vehicle crashes.[3]

The table below illustrates that male drivers pay higher monthly liability-only and full-coverage automobile insurance rates.

GenderAverage Quote: Liability OnlyAverage Quote: Full Coverage
Women$255$392
Men$263$440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates

Drivers have found policies from Dairyland, Progressive, Certainly, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Average car insurance rates by state for 21-year-olds

“Each state is governed by its own set of insurance laws. As a result, insurance coverage is different, and experiences with claims are different, so the overall rates end up being different, too,” says Jantovsky.

You’ll also find cost differences between urban, suburban, and rural areas. Urban and suburban areas tend to have higher rates due to increased traffic, more vehicles on the road, and higher crime rates.

The table below shows a significant variation in monthly state car insurance premiums for 21-year-olds. For instance, 21-year-old drivers in North Carolina pay the lowest car insurance premiums, while New York’s average rates are up to 900% higher.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
North Carolina$67$198
Indiana$128$251
Ohio$139$254
Tennessee$145$295
Iowa$159$303
New Hampshire$160$275
Illinois$161$276
Kansas$162$311
Utah$162$286
Pennsylvania$181$295
California$182$444
Wisconsin$184$286
Mississippi$201$343
Alabama$205$337
Virginia$208$312
Colorado$209$382
Arkansas$209$388
Oklahoma$218$333
Washington$229$297
Missouri$236$378
Oregon$243$377
Arizona$251$382
Texas$252$464
Michigan$286$547
South Carolina$305$427
Kentucky$313$490
Georgia$328$516
New Jersey$338$498
Connecticut$356$449
Maryland$360$542
Florida$421$567
Louisiana$431$633
Nevada$544$657
New York$670$714
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest states for car insurance for 21-year-olds

Your state’s minimum liability insurance requirements and whether you live in a no-fault or at-fault state can significantly affect your car insurance costs. States with higher liability minimums tend to have higher insurance premiums.[4] Additionally, insurers in no-fault states take on more risk because they cover medical expenses and lost wages regardless of fault.

Some states allow insurers to use credit as a rating factor, which means your credit score can affect your insurance premiums.[5] Below are the cheapest states for car insurance for 21-year-olds. Young drivers in North Carolina pay nearly 58% less for a monthly liability-only policy than drivers in Iowa.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
North Carolina$67$198
Indiana$128$251
Ohio$139$254
Tennessee$145$295
Iowa$159$303
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Most expensive states for car insurance for 21-year-olds

Teen drivers and drivers younger than 25 are statistically more likely to be in accidents, especially males.[6] Insurers charge higher premiums to offset the higher risk. However, different states can also have different rates because of weather-related hazards.

States with a higher likelihood of hailstorms, hurricanes, or tornadoes need to account for the potential damage to vehicles, resulting in higher insurance rates. 

Insurance is most expensive in the following five states for 21-year-olds:

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
Maryland$360$542
Florida$421$567
Louisiana$431$633
Nevada$544$657
New York$670$714
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best auto insurance discounts for 21-year-olds

Auto insurance discounts allow policyholders to reduce their premiums. They’re like rewards for meeting specific criteria, such as being a safe driver or having a low-risk vehicle. Some discounts are specifically for young drivers, such as:

  • Good student discount: This discount is for students who maintain a certain grade point average or higher.

  • Away-at-school discount: If you attend college or live away from home for an extended period, you may be eligible for this discount.

  • Bundling discount: If you own or rent your own place, or if you’re on your parent’s policy and they own a home, ask about bundling your policies to save on your car insurance.

  • Safe driver discount: This discount is best if you have a clean driving record with no accidents or violations.

  • Multi-car discount: If you and your family have more than one car, you can save money on your insurance by getting a multi-car discount.

  • Pay-in-full discount: Some insurers offer savings if you pay your premium in full rather than making monthly payments.

  • Defensive driving course discount: Completing a certified defensive driving course can qualify you for a discount with some insurers.

  • Telematics: These programs offer young drivers an opportunity to save on car insurance premiums by monitoring their driving behavior through an app or device.

How to get cheap car insurance for a 21-year-old

Generally, you’ll pay more for car insurance when you’re 21 than your older peers, but several options are available to reduce your overall costs.

Comparison shop

To ensure you’re getting the best deal on car insurance, shopping around to compare quotes from multiple insurers is essential. Different insurers will offer different rates based on various factors, such as the type of car you drive, your driving history, and where you live. By comparing quotes, you can find the best price for the coverage you’re looking for.

Choose the right car model

The type of car you drive can have a big effect on your insurance rates. Generally, newer or more expensive vehicles will be more expensive to insure. If you’re looking to save money on car insurance, consider choosing a car that’s less expensive or has a good safety rating. Vehicles with a high safety rating and lower cost of repairs can help you lower your rates. "A good rule of thumb is 'boring is cheaper,' " says Daniel Roccato, a clinical professor of finance at the University of San Diego School of Business.

Opt for a high deductible

A higher deductible can help you save money on your car insurance premiums. A deductible is the amount you pay out of pocket before your insurance kicks in to cover the rest of the costs.

By selecting a higher deductible, you’ll be responsible for paying more out of pocket if you get into an accident, but you’ll also pay lower premiums each month.

Maintain a clean driving record

A clean driving record is one of the best ways to keep your car insurance rates low. Avoiding accidents, traffic violations, and DUIs can help keep your insurance costs down.

If you get into an accident or receive a violation, your insurance rates will likely go up, so driving safely and responsibly is important.

Keep a good credit score

Your credit history can also affect your car insurance rates. Depending on your state, insurers may use your credit as a factor when setting your premiums. To maintain good credit, it helps to pay your bills on time and keep your credit utilization low.

Go (or stay) on a parent’s policy

“If a 21-year-old lives at home, they can stay on their parent’s policy, and I’d recommend that,” says Frey. “They likely receive a multi-car discount and auto-home discount — two large discounts they likely miss if they are on their own policy. Now, if they do not live at home and are not a full-time student, then most carriers will require them to be on their own policy.”

However, there’s a catch. “Parents should be forewarned that having their name on their child’s vehicle title opens them up to liability, and, in the event that a young driver has a claim, it can have an adverse effect on their overall household insurance premiums going forward,” Jantovsky says.

Find Affordable Car Insurance for 21-Year-Olds

Unlock savings and discounts when you compare rates with Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Car insurance for 21-year-olds FAQs

While you may pay more for car insurance if you’re 21, it’s still possible to find affordable options. Here’s some additional information that can help as you shop for a policy.

  • Why is insurance more expensive for 21-year-old drivers?

    A 21-year-old’s car insurance can cost more due to a lack of experience and higher accident risk. Young drivers are also more likely to take risks behind the wheel, such as driving without a seatbelt and speeding, which can lead to more accidents and higher insurance premiums. Additionally, insurers may charge higher rates due to their vehicle type, state, or driving history.

  • Is it cheaper to stay on a parent’s policy?

    Usually, yes. Staying on a parent’s policy can be cost-effective for 21-year-old drivers. If you live at home, staying on your parents’ policy can help you receive multi-car and auto-home discounts you’d otherwise miss. Keep in mind that most insurers require you to have your own policy if you live away from home and aren't a full-time student.

  • How does credit score affect car insurance?

    If your state allows insurers to use your credit score to determine car insurance rates, your credit score can influence your rates. Generally, drivers with good credit scores are less risky to insurers, while those with poor credit scores are at higher risk. So, having a good credit score may allow you to get a cheaper car insurance rate.

  • What company has the cheapest car insurance for a 21-year-old male?

    SafeAuto offers the cheapest car insurance rates for 21-year-old males, with an average monthly premium of $117. SafeAuto offers flexible payment plans and offers immediate coverage to get you on the road quickly.

  • Which company has the cheapest car insurance for a 21-year-old female?

    If you’re a 21-year-old female driver, you can get the most affordable car insurance coverage from SafeAuto, with rates as low as $120 per month. SafeAuto offers drivers immediate coverage, so you don’t have to worry about being uninsured if you’re in a hurry.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Safety Council. "Age of Driver."
  2. National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
  3. Insurance Institute for Highway Safety. "Fatality Facts 2020: Males and Females."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  6. Rocky Mountain Insurance Information Association. "Teens Shopping for Auto Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all