*The overall rating applies to a standard driving profile, while the ranking order applies to 21-year-old drivers.
Geico is our top pick overall for the best car insurance for 21-year-olds. Its car insurance rates for 21-year-olds are about 34% cheaper than the market average for the age group. Geico also offers a 15% good student discount and a discount of up to 22% for those who have driven for five years with no accidents.
The company has been around since 1936 and has an A+ rating from the Better Business Bureau (BBB).
Learn more in our Geico insurance review.
USAA offers the cheapest car insurance for 21-year-olds on average, with rates about 42% below the market average. However, we didn’t name it the best car insurance for 21-year-olds because it isn’t available to everybody. You can only qualify if you are enlisted in the military, are a veteran or have a parent who’s a USAA member.
USAA not only has low rates for 21-year-olds but is also known for reliable customer service. The company holds an A+ rating from the BBB and earned the highest score in nearly every region in the country in the J.D. Power 2022 U.S. Auto Insurance StudySM.
Learn more in our USAA insurance review.
#3: State Farm
State Farm is another national provider that offers affordable car insurance premiums for 21-year-old drivers. Our estimates show that State Farm’s average rates are about 17% cheaper than the national average for this age group.
State Farm also offers discounts for younger drivers, including a generous good student discount of up to 25% for maintaining a B average. Younger drivers may also save money with State Farm’s Steer Clear® program, an app-based driving course for drivers under 25.
Learn more in our State Farm insurance review.
On average, 21-year-old drivers save about 23% with Nationwide compared to the national average. One thing that makes Nationwide unique is that it offers two usage-based telematics insurance options. SmartRide® can award discounts of up to 40% off based on a person’s driving habits by tracking acceleration, braking, nighttime driving and more. The other option, SmartMiles®, is a pay-per-mile insurance program that can help people who don’t drive very often save money.
Learn more in our Nationwide insurance review.
#5: Auto-Owners Insurance
Another affordable car insurance company for 21-year-olds is Auto Owners. Our estimates show 21-year-olds pay about 26% less than the national average with Auto-Owners. The company offers a good student discount of up to 20% and a discount for students who are away at school and leave their cars at home. However, Auto-Owners is only available in 26 states.