Best auto insurance for 20 year olds: How to save (2022)


*Overall rating applies to a standard driving profile, while ranking order applies to 20-year-old drivers.

#1 Geico

Geico is our pick for the best car insurance for 20-somethings because of the company’s low average rates and variety of coverage options. We looked at many providers on cost and found that Geico is often one of the three cheapest options for young drivers. Geico also offers helpful discounts like a 15% discount on student vouchers and a discount on driver training courses.

Good drivers can also save with Geico’s telematics insurance program called DriveEasy. This program grants discounts based on your driving habits. It tracks things like hard braking, time of day, and distracted driving. Getting usage-based insurance can be a good way for young drivers to save money, especially if they drive less than 12,000 miles per year.

Find out more in our Geico Insurance Review.

#2 United States of America

Through our analysis, we found that USAA offers rates about 30% to 40% less than the national average for young drivers. It’s a good idea to get an auto insurance quote from USAA if you qualify. 20-year-olds who are in the military or are veterans may qualify, as well as those whose parents are in the military.

Beyond low prices, USAA also has a good reputation for customer service. The company scored 909 points out of 1,000 in the 2021 JD Power US Auto Claims Satisfaction Study℠, which shows that most of its customers have positive claims experiences. USAA has also had good results in all regions of the 2022 JD Power US Auto Insurance Study℠, which took a broader look at customer service. In both studies, the USAA outperformed all other insurers.

Find out more in our USAA Insurance Review.

#3 State Farm

State Farm is another reliable choice for the best auto insurance for 20 year olds. The company stands out for its generous discount for good students, which can reach 25%. Drivers may be eligible for this discount until age 25, even after graduating from college.

Away from State Farm® program is another reason 20-year-olds are considering the business. This is an educational app that includes quizzes and driver training modules, and it gives discounts upon completion of the program. Steer Clear is available for drivers under 25.

Find out more in our State Farm Insurance Review.

#4 Erie Insurance

In our rate analysis, we found Erie Insurance to be another inexpensive provider for young drivers. Its rates are up to 40% cheaper than the national average, earning it a spot on our list of the best car insurance for 20 year olds.

Erie Insurance also scores well in JD Power studies. It came in second place in JD Power Auto’s claims satisfaction study, for example. However, you will need to live in Washington, DC, or one of the 12 states below to take advantage of Erie’s low rates and good customer service:


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