Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

Finding affordable auto insurance rates can be tough for 23-year-olds. They’re not teen drivers anymore, but they haven’t reached the typical drop in insurance premiums that an older driver can expect. Young drivers are still viewed as a risk by auto insurance companies and have a shorter driving history to prove themselves.

If you’re in this age group, paying more money every month than older drivers is nothing new to you. However, you can still save money and find cheap car insurance by comparing car insurance with Insurify. This easy-to-use tool simplifies the process of getting quotes from multiple insurance companies, making it easy and painless to find affordable insurance.

Quick Facts
  • The average cost of car insurance for 23-year-olds is about $240 per month.

  • 23-year-olds see the lowest rates in Ohio, Massachusetts, and Illinois.

  • The best way to find cheap car insurance is to compare quotes and apply any available discounts to your policy.

Cheapest Car Insurance Companies for 23-Year-Olds

When you think of car insurance companies, your mind may turn to the big insurers you’ve seen commercials for, such as GEICO, Allstate, State Farm, and USAA. However, those aren’t the only insurers out there. We found better average monthly costs from these five insurance companies.

Insurance CompanyCheapest Monthly Quote
National General$85
Liberty Mutual$120
Bristol West$162
The General$188
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.
Cheap Car Insurance

Cheap Car Insurance

Average Car Insurance Rates by Age and Gender

When you buy a car insurance policy, the cost of car insurance is determined largely by risk. The way insurance providers assess risk includes personal information about you, such as age and gender. Younger drivers pay more because they have a shorter driving history and tend to make riskier decisions behind the wheel.

Similarly, statistics show that male drivers tend to get into more accidents and traffic violations than female drivers, so they pay higher car insurance premiums, except in states that prohibit this practice. When analyzing car insurance rates by age, young drivers will always pay way more on average than their older counterparts, regardless of gender.

Estimate your insurance costs

Select discounts that apply to you
Save 35%
Save 1%
Save 20%
Save 39%
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

How much does car insurance cost for 23-year-olds?

How much does car insurance for 23-year-olds cost?

Drivers in their early 20s see some of the highest monthly rates for car insurance. However, 23-year-olds can often qualify for discounts that make the cost a bit more manageable.

With age comes wisdom, freedom, and more affordable car insurance rates. While young adults pay more than older drivers, costs start to decrease for drivers in their twenties. Monthly rates can be as low as $85 for 23-year-old drivers. That cost will continue to fall with each passing birthday.

23-year-olds can find low car insurance quotes by shopping around between multiple insurance companies and looking for car insurance discounts that help lower premiums. Be sure to explore different discounts car insurance companies offer. Being eligible for a good student, bundling, or clean driving record discount could cut your monthly rates in half.

National General

National General specializes in insuring high-risk drivers, who have a hard time finding affordable coverage anywhere else. It also offered the cheapest car insurance we found, at $85 a month for a 23-year-old driver in Ohio. You can even get an SR-22 form from National General if you need one.

A few of the discounts that National General offers to 23-year-old drivers include:

  • Pay-in-full discount

  • Defensive driver course discount

  • Low mileage discount

  • Electronic billing discount

  • Auto-pay discount


One of the biggest insurers nationwide, Travelers is a leader in the car insurance space. It has lots of different policy options to choose from, so you can get a plan that just meets your state minimum requirements or more comprehensive or full coverage that includes collision coverage, property damage, and higher limits.

A few of the discounts that Travelers offers to 23-year-old drivers include:

  • EFT, pay in full, good payer discounts

  • Multi-car discount

  • Continuous insurance discount

  • Good student discount

  • Affinity membership discounts

  • Safe driver discount

  • Defensive driver discount

Mile Auto

Mile Auto is an innovative insurer that offers pay-per-mile insurance. Rather than install a tracking device to track your mileage, customers simply send in a photo of their odometer once a month and are charged accordingly.

Mile Auto does not offer additional discounts, but if you don’t drive much, you stand to save quite a bit of money.


Clearcover is renowned for its top-notch digital experience. It’s extremely easy to manage your account from your phone, from filing a quote to paying your bill. Available in 15 states, it’s ideal for rideshare drivers or anyone who prefers interacting with their insurance company through an app rather than talking to an insurance agent.

Clearcover doesn’t publicize its car insurance discounts; it uses the same criteria other insurers do to set your rate, but you won’t see the criteria that go into it.


Safeco is a subsidiary of Liberty Mutual, an insurance giant. It’s sold exclusively through independent agents and offers many options to customize your policy. It also rewards safe drivers with things like accident forgiveness, a diminishing deductible, and a partial refund of your policy premium for remaining accident-free.

A few of the discounts that Safeco offers to 23-year-old drivers include:

  • Bundling discounts

  • Safe driver discount

  • Defensive driving discount

  • Low-mileage discount

  • Anti-theft device discount

  • Accident forgiveness

Best Car Insurance Companies

Best Car Insurance Companies

Best Auto Insurance Discounts for 23-Year-Olds

Do you qualify for discounts on your car insurance? Most insurers offer discounts of some kind, and they can be an easy way to lower your premiums. Here are some of the most common discounts that 23-year-olds qualify for.

Discount for 23-Year-OldsHow to Get ItCompanies That Offer It
Good Student DiscountMaintaining a B average in collegeState Farm, Progressive, GEICO, Allstate, Farmers, Nationwide, AAA, Travelers, USAA, others
Distant Student DiscountLeaving your car at home while you’re away at collegeProgressive, Allstate, Farmers, GEICO, State Farm
Safe Driver DiscountNot getting into accidents for a certain period of time (usually three to five years)Travelers, Safeco, most other insurers
Bundling DiscountBuying your car insurance at the same place you get renters insurance or other policiesNearly all major insurers offer a bundling discount

Tips for Cheaper Car Insurance

Need to lower your premiums even further? There are lots of things you can do to secure lower premiums. Try these strategies to discover lower costs for car insurance.

Shop Around for Car Insurance

If you’re trying to lower your car insurance costs, one of the best things you can do for yourself is to compare auto insurance quotes from different insurance companies. Insurify simplifies the process by bringing together many top insurers with its easy-to-use tool. Just put in some information about yourself, your car, and your driving history to see how much you could save.

Best and Worst Sites to Compare Car Insurance

Best and Worst Sites to Compare Car Insurance

Remain on Your Parents’ Policy

Staying on your parents’ car insurance policy can save you all kinds of money. That’s because they likely qualify for discounts that you don’t, which lowers the cost for everyone. Your parents may be eligible for things like homeowners discounts and bundling discounts for buying home or life insurance from the same company.

Drive an Older, Safer Car

Older cars are cheaper to insure because they’re cheaper to replace than new cars. You may also qualify for discounts if your car has certain safety features installed.

Select a High-Deductible Plan

The higher your deductible is, the lower your premiums will be. That’s because you’re essentially telling your insurance company that you’ll take on a larger share of your car’s replacement or repair costs if you get in an accident. Selecting a higher deductible can help you save on car insurance costs

Keep a Clean Driving Record

Driving safely is the easiest way to keep your car insurance costs low. If you can prove you’re a low risk to insure, then insurance companies will reward you with low premiums. Drivers with a clean driving record benefit from the lowest car insurance rates.

Maintain a Good Credit Score

Having a high credit score can get you all kinds of discounts in life, from lower interest rates on loans to cheaper car insurance. Insurance companies believe people with good credit histories are lower-risk drivers and will adjust rates accordingly.

Take Advantage of Discounts

Cash in on all the car insurance discounts you might be eligible for. Some might include:

Cheapest States for Car Insurance for 23-Year-Olds

23-year-old drivers who live in the following states can enjoy the low car insurance rates that come with their location:

StateInsurance CompanyCheapest Monthly Premium
OhioNational General$85
IllinoisMile Auto$95
MississippiNational General$108
MaineLiberty Mutual$120
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.

The Best Way to Compare and Get Cheaper Car Insurance

It is possible to find affordable car insurance as a 23-year-old. It starts with getting quotes from several insurers to make sure you’re getting the best rate possible. Insurify helps make the process simple.

By providing a central marketplace to review and compare auto insurance quotes simultaneously, Insurify makes it easy to see which plans offer the coverage you need.

Frequently Asked Questions

  • How much is car insurance for a 23-year-old?

    We found car insurance as cheap as $85 a month for a 23-year-old, so it’s definitely possible to find affordable insurance at age 23. The cost for your policy specifically depends on many things, including your age and gender.

  • How can 23-year-olds get cheap car insurance?

    You can find affordable car insurance by comparing quotes from lots of different insurers. Try exploring your options with Insurify, which helps you compare car insurance rates from multiple insurers to make sure you’re getting the best rate possible.

  • How does safe driving keep car insurance rates low for 23-year-old drivers?

    When you’re 23, you have a short driving history. Insurance companies don’t quite know if they can trust you with low rates yet. Being a safe driver and avoiding accidents and traffic violations prove that you’re not a risky driver and can be trusted with low rates.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
Shopper Approved
ProgressiveLiberty MutualTravelers


Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Jennifer Pendell
Jennifer PendellInsurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.