Car insurance calculator for young adults

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Car insurance gets noticeably cheaper once you’re out of your teens—but if you’re in your early 20s, you’re probably still paying more than older, more experienced drivers. That’s because insurers see less time behind the wheel as a higher risk, and that risk gradually fades as you build a track record. On the bright side, every year of clean driving generally works in your favor.

Your premium isn’t just about age, though. Your driving history, where you live, the type of car you drive, and the coverage level you choose all factor into what you pay—which is why two drivers the same age can get very different quotes.

Our calculator estimates rates for young adult drivers based on your age, ZIP code, gender, and coverage choice — no personal information required.

How to use our car insurance calculator for young adults

The calculator only needs a few basic details to estimate rates for a young adult driver. Here’s a step-by-step approach on how to use our calculator: 

1. Enter your ZIP code. Rates vary by location.
2. Select gender. Male young adult drivers typically pay more than female drivers.
3. Enter your age. Rates are highest at 20 and tend to drop steadily as you gain experience through your mid-20s.
4. Choose your coverage types and limits. Higher limits and adding comprehensive or collision coverage will raise the estimate.

Car insurance calculator for young adults

ZIP Please enter a valid ZIP code

Gender

Male

Male Female Non-binary

Age

20

2021222324

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for young adult drivers

33315Fort Lauderdale

$6,344 Average rate

$7,575 Highest
rate

$5,345 Lowest
rate

Most expensive companies for auto insurance in Fort Lauderdale (33315)

Company	Average annual rate
National General	$7,575
GEICO	$7,150
UAIC	$6,571

Least expensive companies for auto insurance in Fort Lauderdale (33315)

Company	Average annual rate
Nationwide	$5,345
State Farm	$5,573
Progressive	$6,028

How do you decide which coverage level is right for you?

For young adults, coverage choice usually comes down to what you can afford and what your car is worth — but it’s worth remembering that young drivers are riskier to insure for a reason, so skimping on coverage can backfire. 

State-minimum liability may be sufficient for an older vehicle, though it often won’t cover the full cost of a serious crash. Full coverage — which adds collision and comprehensive protection — costs more but is typically smarter for a car that’s newer or not yet paid off, and lenders usually require it.

What’s actually inside each policy

The chart above shows the big picture. But liability and full coverage policies are each made up of individual coverage types. Liability includes:

• Bodily injury liability. Covers medical expenses, lost wages, and legal fees for others injured in an accident you caused. For example, if your limit is 50/100 and you injure two people, you’re covered up to $50,000 per person and $100,000 total. Anything beyond that comes out of pocket.
• Property damage liability. Covers repairs or replacement of other people’s property if you’re at fault. If your property damage limit is $50,000 and you total someone’s car worth $30,000, you’re covered. If the car is worth $60,000, you’re on the hook for the difference.

Full coverage builds on liability and also includes:

• Comprehensive. Covers damage to your own vehicle from non-collision events. If your car is stolen or a hailstorm dents the roof, comprehensive pays for repairs after your deductible.
• Collision. Covers damage to your own vehicle from an accident, regardless of fault. If you rear-end another car or hit a guardrail, collision pays for your repairs after your deductible.

How much does car insurance cost for young drivers by state and age?

A 20-year-old driver pays $5,223 a year for car insurance on average—but the state you live in changes that number dramatically.

Two things drive the difference:

• Age. Rates fall with every year of driving experience. A 20-year-old typically pays 30% to 45% more than a 24-year-old in the same state.
• Location. Louisiana is the priciest state for 20-year-olds at $8,405, followed by Nevada at $8,064 and Michigan at $7,572. Hawaii is the cheapest by far at $1,803, since state law limits how much age can affect rates.

The table below shows the average annual premium in each state for drivers aged 20 through 24.

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What car insurance discounts are available for young adults?

Young adults, especially those in college, have access to several discounts that can bring premiums down, including good student, safe driver, and student away at school discounts.

• Good student discount. Available to students maintaining a B average or better, typically up to age 25. Most major insurers offer this discount.
• Safe driver discount. If you have a clean record, free of tickets and accidents for three or more years, you may qualify for a safe driver discount.
• Driver training discount. Completing a defensive driving or driver education course can earn you a rate reduction with many insurers, typically lasting three years.
• Student away at school discount. If you’re a student living more than 100 miles from home without a vehicle, you may qualify for a reduced rate while staying continuously covered for when you’re back home.

How young adults can pay less for car insurance

Paying more in your early 20s is normal — but it isn’t permanent, and it isn’t fully out of your hands. Every year of clean driving chips away at your premium, and the choices you make now add up: staying on a parent’s policy while it makes sense, matching your coverage to what your car is actually worth, and claiming every discount you qualify for.

The single biggest lever, though, is shopping around. Two insurers can quote wildly different rates for the same driver, so comparing at least three before you buy is the surest way to know you’re not overpaying. Run your details through the calculator above to see where your estimate lands, then use that number as your benchmark when you start gathering real quotes.

Methodology 

Insure.com commissioned Quadrant Information Services to get car insurance rates for young adults. The rates are based on the sample profile of a driver aged 20 to 24, male and female, with a clean driving record and good insurance score, carrying a full coverage policy with limits of 100/300/100 and a $500 collision/comprehensive deductible, driving a Honda Accord LX with a 12-mile commute and 10,000 annual miles. 

To evaluate the premiums, we compared 65,756,440 insurance quotes from 195 companies and 73 company groups, spanning all 51 states, 29,159 cities, and 34,595 ZIP codes. The national average premium is $2,578 a year.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.