Auto insurance costs 25-year-olds an average of $161 each month, or $1,931 per year. Coverage is about $108 more per year for male drivers than for female drivers of the same age, though that difference can vary depending on the state and company.
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USAA has the cheapest car insurance rates for 25-year-olds, but only drivers affiliated with the military can get covered. The cheapest auto insurance coverage for most 25-year-olds is GEICO, where the average rate for a full-coverage policy is.
How we found the cost of auto insurance for 25-year-olds
Policygenius found the cost of car insurance for 25-year-olds using rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. These were for a 2017 Toyota Camry LE driven 10,000 miles per year, carried the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In our data, some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
How much is auto insurance for 25-year-olds?
On average, auto insurance for 25-year-olds costs $161 per month, or $1,931 each year. Car insurance coverage for 25-year-olds is 17% more expensive than the overall average adults in the U.S. — about $279 more per year.
The average monthly cost of car insurance for 25-year-olds is $161 per month, but many companies offer cheaper coverage. USAA has the lowest car insurance rates for 25-year-olds, but since it’s only for military families, GEICO is the cheapest company available to the general public.
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Car insurance costs for 25-year-olds can vary by a lot depending on the company. We found a difference of $3,096 per year in the cost of auto insurance from the cheapest and most expensive companies for 25-year-olds.
This difference shows the importance of shopping around for quotes before buying, to ensure that you don’t pay more than you have to.
Company | Average monthly cost | Average annual cost |
|---|---|---|
USAA | $105 | $1,255 |
GEICO | $111 | $1,333 |
Erie | $113 | $1,355 |
State Farm | $114 | $1,367 |
American Family | $129 | $1,551 |
Auto-Owners Insurance | $131 | $1,571 |
Travelers | $136 | $1,630 |
Nationwide | $144 | $1,727 |
Farm Bureau | $144 | $1,730 |
NJ Manufacturers | $145 | $1,741 |
COUNTRY Financial | $148 | $1,775 |
Amica | $159 | $1,904 |
Kemper | $161 | $1,934 |
National General | $162 | $1,940 |
Progressive | $162 | $1,949 |
Farmers | $180 | $2,154 |
Allstate | $182 | $2,189 |
Shelter Insurance | $191 | $2,294 |
The Hartford | $199 | $2,391 |
CSAA | $234 | $2,811 |
Mercury Insurance | $240 | $2,881 |
MAPFRE | $245 | $2,936 |
Auto Club Group | $259 | $3,111 |
Sentry Insurance | $338 | $4,055 |
Hanover | $363 | $4,351 |
Monthly and annual costs of full coverage car insurance for 25-year-olds, ordered from least to most expensive.
How the cost of auto insurance for 25 year old compares to other ages
While 25-year-olds pay more for car insurance than the average adult driver, their rates are far cheaper than for drivers under 25. Car insurance costs 25-year-olds $2,890 less per year than those under 25, but just $369 more than older drivers.
It’s common for your car insurance rates to get significantly cheaper when you turn 25, since that’s the age when younger drivers “age out” of the highest-risk age group.
But this is only true for drivers who’ve kept up a clean driving record — if you turn 25 with an accident or claim on your record, you probably won’t see your rates drop.
Cost of car insurance for 25-year-old male vs. female drivers
Car insurance costs depend on the driver’s gender in addition to age. We found that auto insurance typically costs 25-year-old male drivers slightly more than their female counterparts.
On average, car insurance rates for 25-year-old men are just $9 more expensive per month, or $108 per year. However, the difference between insurance costs for men and women varies by company and location.
Driver's gender | Monthly cost | Annual cost |
|---|---|---|
Male | $165 | $1,983 |
Female | $156 | $1,875 |
Difference | $9 | $108 |
Cost of full-coverage car insurance for 25-year-olds.
Cost of car insurance for 25-year-olds in every state
On average, auto insurance for a typical 25-year-old driver costs $1,931 per year, but cost depends on their location. We found that the annual cost of auto insurance for 25-year-olds varies by as much as $2,358 depending on the state.
The cheapest state for car insurance for 25-year-olds is North Carolina, where average rates for that age group are $1,060 per year. In Louisiana, auto insurance costs 25-year-olds $3,418 per year.
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State | Average monthly cost | Average annual cost |
|---|---|---|
$169 | $2,028 | |
$129 | $1,553 | |
$153 | $1,838 | |
$174 | $2,093 | |
$185 | $2,223 | |
$168 | $2,018 | |
$177 | $2,119 | |
$201 | $2,414 | |
$175 | $2,098 | |
$275 | $3,294 | |
$171 | $2,057 | |
$100 | $1,200 | |
$112 | $1,346 | |
$139 | $1,671 | |
$118 | $1,411 | |
$113 | $1,350 | |
$155 | $1,863 | |
$213 | $2,558 | |
$285 | $3,418 | |
$116 | $1,395 | |
$181 | $2,166 | |
$151 | $1,809 | |
$239 | $2,873 | |
$138 | $1,655 | |
$166 | $1,997 | |
$158 | $1,894 | |
$182 | $2,189 | |
$167 | $2,005 | |
$206 | $2,470 | |
$138 | $1,650 | |
$216 | $2,588 | |
$138 | $1,653 | |
$201 | $2,415 | |
$88 | $1,060 | |
$132 | $1,578 | |
$103 | $1,238 | |
$184 | $2,209 | |
$140 | $1,675 | |
$163 | $1,955 | |
$183 | $2,195 | |
$183 | $2,201 | |
$153 | $1,836 | |
$130 | $1,563 | |
$183 | $2,199 | |
$144 | $1,729 | |
$112 | $1,340 | |
$135 | $1,615 | |
$160 | $1,925 | |
$170 | $2,045 | |
$102 | $1,228 | |
$133 | $1,591 |
Cost of full-coverage car insurance for 25-year-olds, ordered alphabetically by state.
Best for 25-year-olds
At $111 per month, GEICO has the cheapest car insurance rates for 25-year-olds of any widely-available company.
Read our full GEICO car insurance review
GEICO is the best and cheapest auto insurance company for most 25-year-old drivers. On average, GEICO rates for this age group are just $111 per month, or $1,333 per year — 19% cheaper than the average cost for 25-year-olds.
Aside from its cheap rates, GEICO is a solid choice for 25-year-olds thanks to its range of coverage options, including mechanical breakdown coverage, which covers brake replacement, new transmissions, and other potentially expensive repairs not typically covered by car insurance.
GEICO isn’t the cheapest option overall — that’s USAA, which is only available to people in the military and their families. But due to GEICO’s wider availability, it’s a better choice for more 25-year-olds.
Best cheap car insurance for 25-year-olds in every state
In addition to being the cheapest overall companies for 25-year-old car insurance, USAA and GEICO are the cheapest options in 30 states, including the District of Columbia.
State Farm is the most affordable option in 10 states. The wide availability of these large insurance companies mean that many 25-year-olds have at least a couple of options for getting cheap coverage.
State | Cheapest company | Average monthly cost | Average annual cost |
|---|---|---|---|
Alabama | GEICO | $93 | $1,115 |
Alaska | State Farm | $89 | $1,073 |
Arizona | GEICO | $84 | 1012.76 |
Arkansas | USAA | $93 | $1,114 |
California | Wawanesa | $101 | $1,210 |
Colorado | American National | $75 | $897 |
Connecticut | GEICO | $68 | $816 |
Delaware | State Farm | $114 | $1,366 |
District of Columbia | GEICO | $110 | $1,322 |
Florida | GEICO | $148 | $1,779 |
Georgia | Auto-Owners Insurance | $102 | $1,223 |
Hawaii | GEICO | $65 | $785 |
Idaho | American National | $47 | $562 |
Illinois | Pekin | $65 | $785 |
Indiana | GEICO | $71 | $849 |
Iowa | State Farm | $70 | $839 |
Kansas | USAA | $88 | $1,058 |
Kentucky | GEICO | $99 | $1,185 |
Louisiana | USAA | $145 | $1,744 |
Maine | GEICO | $56 | $674 |
Maryland | USAA | $75 | $905 |
Massachusetts | GEICO | $97 | $1,170 |
Michigan | GEICO | $90 | $1,082 |
Minnesota | Farm Bureau | $87 | $1,045 |
Mississippi | USAA | $89 | $1,065 |
Missouri | USAA | $73 | $874 |
Montana | USAA | $87 | $1,045 |
Nebraska | Nationwide | $101 | $1,209 |
Nevada | GEICO | $94 | $1,132 |
New Hampshire | State Farm | $73 | $874 |
New Jersey | GEICO | $108 | $1,299 |
New Mexico | USAA | $88 | $1,062 |
New York | Progressive | $94 | $1,130 |
North Carolina | GEICO | $55 | $657 |
North Dakota | USAA | $89 | $1,064 |
Ohio | USAA | $75 | $903 |
Oklahoma | USAA | $92 | $1,106 |
Oregon | State Farm | $78 | $942 |
Pennsylvania | State Farm | $99 | $1,185 |
Rhode Island | State Farm | $94 | $1,132 |
South Carolina | American National | $63 | $751 |
South Dakota | State Farm | $110 | $1,321 |
Tennessee | State Farm | $75 | $898 |
Texas | Farm Bureau | $103 | $1,240 |
Utah | GEICO | $76 | $910 |
Vermont | State Farm | $67 | $798 |
Virginia | USAA | $82 | $978 |
Washington | USAA | $101 | $1,207 |
West Virginia | USAA | $90 | $1,082 |
Wisconsin | GEICO | $69 | $827 |
Wyoming | American National | $74 | $884 |
Cheapest car insurance companies in each state for 25-year-olds.
How to save money on car insurance as a 25-year-old
The cost of auto insurance for 25-year-olds isn’t significantly higher than average, but if you’re 25 you can still take a few steps to lower your rates.
You can get the best auto insurance by comparing quotes from at least a few companies when you shop for coverage, but you could also save by:
Avoiding accidents and tickets: Our data shows that high-risk drivers with a history of accidents, tickets, or DUIs can pay thousands more per year than those with clean driving records.
Bundling your car and home insurance: Most insurance companies offer discounts to drivers who get their auto insurance along with a homeowners or renters insurance policy.
Searching for discounts: Nearly every insurance company offers at least a few insurance discounts that can help you get lower rates. Keep an eye out for discounts you already qualify for — or ones that would be easy to qualify for — while shopping.
Raising your deductibles: Your insurance deductible is the amount of money that comes out of any comprehensive or collision claims settlement you receive. By making this amount larger, you can lower your rates without sacrificing coverage (just keep in mind you might have to actually pay it someday).
Frequently Asked Questions
Does your car insurance go down at 25?
Yes, your car insurance at 25 years old is typically much cheaper than it was when you were younger. Newer drivers face higher insurance premiums due to their inexperience. As long as you avoid accidents and tickets, your rates will be cheaper at 25, which is the point at which you’ll no longer be considered part of the highest-risk age group.
How much is car insurance for a 25-year-old driver?
On average, the cost of car insurance for a 25-year-old is $161 per month, or an annual rate of $1,931 per year. This means that 25-year-olds have higher insurance costs than older drivers, but their rates are significantly cheaper than younger people.
Is insurance more expensive for 25-year-old men or women?
The cost of car insurance for 25-year-old men is slightly more expensive than for women of the same age. We found that the cost of coverage for male drivers is $108 more expensive per year than female drivers.
