GEICO offers the cheapest options for 25-year-olds with rates averaging $120 monthly, while Auto-Owners Insurance Co ranks second at $134 per month. Travelers, and State Farm also provide excellent high quality coverage at competitive rates. You can compare each company's affordable rates below.
Cheapest Car Insurance for 25-Year-Olds
Updated: June 26, 2025
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Key Takeaways
GEICO, Auto-Owners Insurance Co, Travelers, State Farm and Nationwide stand out as the top five most affordable car insurance providers for 25-year-olds across coverage levels.
Cheap monthly car insurance costs for 25-year-old drivers start at $75 for minimum coverage and $164 for full coverage nationally, though some states provide rates as low as $51 per month.
For 25-year-old drivers, the typical monthly car insurance expense is $107 per month for minimum coverage and $217 per month for full coverage.
Best Cheap Car Insurance for 25-Year-Olds
| GEICO | $120 | $1,439 |
| Auto-Owners Insurance Co | $134 | $1,606 |
| Travelers | $138 | $1,662 |
| State Farm | $147 | $1,765 |
| Progressive | $173 | $2,075 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry with minimum liability coverage.
Cheapest Minimum Liability Car Insurance for 25-Year-Olds
GEICO provides the most affordable minimum liability car insurance for 25-year-olds at $75 per month. Where available, Auto-Owners Insurance Co offers solid rates at $86 monthly. Nationally, Travelers is the second best option with premiums averaging $93 per month, with State Farm and Progressive rounding out our top five.
| GEICO | $75 | $905 |
| Auto-Owners Insurance Co | $86 | $1,029 |
| Travelers | $93 | $1,117 |
| State Farm | $95 | $1,138 |
| Progressive | $116 | $1,394 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Full Coverage Car Insurance for 25-Year-Olds
For comprehensive coverage, GEICO leads with the lowest rates for 25-year-old drivers at $164 monthly, providing significant savings without compromising protection. Auto-Owners Insurance Co follows second at $182 per month with extensive coverage options. Young adults seeking full coverage can also find competitive pricing with Travelers, State Farm, and Progressive.
| GEICO | $164 | $1,972 |
| Auto-Owners Insurance Co | $182 | $2,184 |
| Travelers | $184 | $2,206 |
| State Farm | $199 | $2,392 |
| Progressive | $230 | $2,756 |
Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 25-Year-Olds by State
Car insurance premiums for 25-year-olds vary significantly across states, with monthly costs ranging from as low as $61 to as high as $294. GEICO is the most affordable provider in 36 states, while State Farm, Progressive, Allstate, and Nationwide provide the best rates in the remaining markets.
| Alabama | Geico | $97 | $1,166 |
| Alaska | Geico | $74 | $882 |
| Arizona | Geico | $130 | $1,557 |
| Arkansas | Geico | $97 | $1,159 |
| California | Geico | $101 | $1,212 |
| Colorado | Geico | $89 | $1,073 |
| Connecticut | Geico | $87 | $1,045 |
| Delaware | Geico | $136 | $1,626 |
| District of Columbia | Allstate | $180 | $2,158 |
| Florida | State Farm | $184 | $2,209 |
| Georgia | Geico | $152 | $1,829 |
| Hawaii | Geico | $51 | $617 |
| Idaho | Geico | $50 | $603 |
| Illinois | Geico | $91 | $1,087 |
| Indiana | Geico | $66 | $789 |
| Iowa | State Farm | $73 | $871 |
| Kansas | Geico | $74 | $889 |
| Kentucky | Geico | $121 | $1,457 |
| Louisiana | Geico | $167 | $2,008 |
| Maine | Geico | $63 | $751 |
| Maryland | Geico | $108 | $1,300 |
| Massachusetts | Geico | $120 | $1,441 |
| Michigan | Geico | $92 | $1,105 |
| Minnesota | State Farm | $110 | $1,320 |
| Mississippi | Progressive | $113 | $1,359 |
| Missouri | Geico | $86 | $1,037 |
| Montana | State Farm | $58 | $692 |
| Nebraska | Geico | $66 | $797 |
| Nevada | Geico | $197 | $2,368 |
| New Hampshire | Geico | $72 | $865 |
| New Jersey | Geico | $177 | $2,122 |
| New Mexico | Geico | $99 | $1,190 |
| New York | Progressive | $104 | $1,252 |
| North Carolina | Progressive | $58 | $696 |
| North Dakota | Geico | $60 | $720 |
| Ohio | Geico | $89 | $1,062 |
| Oklahoma | Geico | $89 | $1,066 |
| Oregon | Geico | $113 | $1,358 |
| Pennsylvania | Nationwide | $147 | $1,759 |
| Rhode Island | State Farm | $98 | $1,180 |
| South Carolina | Geico | $135 | $1,622 |
| South Dakota | Progressive | $47 | $566 |
| Tennessee | State Farm | $114 | $1,370 |
| Texas | State Farm | $106 | $1,271 |
| Utah | Geico | $84 | $1,013 |
| Vermont | State Farm | $48 | $573 |
| Virginia | Geico | $95 | $1,141 |
| Washington | Progressive | $123 | $1,473 |
| West Virginia | Geico | $103 | $1,234 |
| Wisconsin | Geico | $52 | $625 |
| Wyoming | State Farm | $56 | $674 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.
Cheapest Car Insurance for 25-Year-Olds by Gender
Due to their elevated accident risk, 25-year-old male drivers generally face higher insurance premiums than females. Below, we highlight the most cost-effective national insurance providers for both men and women in this age group.
Cheapest Car Insurance for 25-Year-Old Female Drivers
GEICO offers the most budget-friendly minimum liability coverage for 25-year-old women at only $78 per month, representing excellent savings with yearly costs that are $168 lower than State Farm's $92 monthly rate.
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Coverage Level:State Minimum Liability Only
| GEICO | $78 | $933 |
| Auto-Owners Insurance Co | $88 | $1,056 |
| State Farm | $92 | $1,108 |
| Progressive | $120 | $1,435 |
| Allstate | $126 | $1,518 |
| Nationwide | $133 | $1,594 |
Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Car Insurance for 25-Year-Old Male Drivers
GEICO provides the lowest car insurance rates for 25-year-old male drivers at just $73 monthly for minimum liability coverage saving young men nearly $24 per month. Auto-Owners Insurance Co offers competitive coverage at $83 per month while State Farm is just $97 monthly.
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Coverage Level:State Minimum Liability Only
| GEICO | $73 | $878 |
| Auto-Owners Insurance Co | $83 | $1,001 |
| State Farm | $97 | $1,167 |
| Progressive | $113 | $1,354 |
| Allstate | $125 | $1,503 |
| Nationwide | $135 | $1,621 |
Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.
Cheapest Cars to Insure for 25-Year-Olds
The MINI Cooper is the most affordable to insure for 25-year-olds at just $51 monthly compared to a Tesla Model X at $82 monthly, saving young drivers up to $372 annually. When purchasing a vehicle at this age its smart to chose a vehicle that balance safety, reliability, and insurance affordability. Below you'll find the most budget-friendly vehicles across for 25-year-old drivers.
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Coverage Level:State Minimum
| MINI Cooper | $51 | $608 |
| Subaru Outback | $52 | $628 |
| MINI Electric | $53 | $632 |
| Subaru Forester | $54 | $643 |
| Ford Mustang Mach E | $56 | $668 |
| Nissan 370Z | $56 | $669 |
| Ford Mustang | $56 | $671 |
| Honda Odyssey | $56 | $672 |
| Volvo XC40 | $56 | $673 |
| Subaru Legacy | $56 | $675 |
| BMW 1 Series | $56 | $676 |
| Nissan GT-R | $56 | $677 |
| Mercedes C-Class | $57 | $679 |
| Mazda CX-5 | $57 | $680 |
| Chevrolet Camaro SS | $57 | $680 |
| BMW 4 Series | $57 | $680 |
| Toyota Sienna | $57 | $682 |
| Audi Q5 | $57 | $682 |
| VW ID.4 | $57 | $682 |
| Chevrolet Camaro ZL1 | $57 | $683 |
| Audi A3 | $57 | $685 |
| Subaru Impreza | $57 | $687 |
| Nissan 350Z | $57 | $688 |
| Subaru WRX | $57 | $689 |
| Honda Fit | $57 | $689 |
| Honda Passport | $57 | $690 |
| BMW I3 | $57 | $690 |
| Honda Pilot | $58 | $692 |
| Hyundai Kona | $58 | $694 |
| Honda CR-V | $58 | $695 |
| Subaru BRZ | $58 | $695 |
| Honda Ridgeline | $58 | $696 |
| VW Golf | $58 | $697 |
| VW Beetle | $58 | $697 |
| Audi E Tron | $58 | $698 |
| Mercedes GLA 250 | $58 | $700 |
| Mercedes AMG C 63 | $58 | $700 |
| Toyota Prius | $58 | $701 |
| Kia Niro | $59 | $702 |
| Toyota Tacoma | $59 | $703 |
| Mercedes CLA 250 | $59 | $704 |
| Audi Q7 | $59 | $705 |
| Nissan LEAF | $59 | $706 |
| Tesla Model 3 | $59 | $706 |
| Acura MDX | $59 | $707 |
| Ford Mustang Ecoboost | $59 | $707 |
| VW Tiguan | $59 | $707 |
| Toyota Highlander | $59 | $708 |
| BMW X3 | $59 | $708 |
| Chevy Equinox | $59 | $709 |
| Ford Escape | $59 | $710 |
| Honda HR-V | $59 | $713 |
| Ford F-150 | $60 | $716 |
| Jeep Gladiator | $60 | $717 |
| Audi A4 | $60 | $717 |
| Honda Insight | $60 | $718 |
| Toyota RAV4 | $60 | $718 |
| BMW 5 Series | $60 | $718 |
| Kia Soul | $60 | $719 |
| Ford Expedition | $60 | $720 |
| Dodge Grand Caravan | $60 | $721 |
| VW Passat | $60 | $722 |
| BMW X5 | $60 | $722 |
| Kia Soul EV | $60 | $725 |
| Tesla Model Y | $61 | $726 |
| Toyota Camry | $61 | $728 |
| Chevrolet Camaro | $61 | $728 |
| Ford Explorer | $61 | $728 |
| Toyota Tundra | $61 | $728 |
| Honda Accord | $61 | $729 |
| BMW 3 Series | $61 | $730 |
| Kia Stinger | $61 | $731 |
| Dodge Challenger SRT Hellcat | $61 | $732 |
| Nissan Frontier | $61 | $732 |
| Nissan Rogue | $61 | $734 |
| Chevy Silverado | $61 | $735 |
| Ford Taurus | $61 | $736 |
| Jeep Wrangler | $62 | $739 |
| Chevy Bolt | $62 | $739 |
| Chevy Tahoe | $62 | $742 |
| Mazda3 | $62 | $744 |
| Nissan Maxima | $62 | $745 |
| Dodge Journey | $62 | $746 |
| VW Jetta | $63 | $751 |
| Nissan Pathfinder | $63 | $752 |
| Toyota 86 | $63 | $753 |
| Ram Rebel | $63 | $758 |
| Honda Civic | $63 | $759 |
| Toyota Corolla | $63 | $759 |
| Dodge Challenger R/T | $63 | $759 |
| Nissan Versa | $63 | $759 |
| Hyundai Elantra | $64 | $763 |
| Chevy Malibu | $64 | $766 |
| Hyundai Ioniq | $64 | $766 |
| Nissan Altima | $64 | $770 |
| Nissan Juke | $64 | $771 |
| Ford Focus | $64 | $772 |
| Jeep Cherokee | $64 | $773 |
| Jeep Grand Cherokee | $65 | $775 |
| Ram 2500 | $65 | $786 |
| Jeep Patriot | $66 | $787 |
| Nissan Sentra | $66 | $790 |
| Chevrolet Cruze | $66 | $793 |
| BMW X7 | $67 | $804 |
| Dodge Challenger | $67 | $806 |
| Dodge Charger | $67 | $809 |
| Tesla Model S | $70 | $837 |
| BMW i8 | $70 | $839 |
| Audi R8 | $70 | $842 |
| Porsche Taycan | $76 | $912 |
| BMW 7 Series | $77 | $925 |
| Tesla Model X | $82 | $988 |
Cheapest Vehicle Types to Insure
Luxury Compact vehicles offer the most affordable minimum coverage for 25-year-olds at just $57 monthly, while Minivans follow closely at $58 per month. The difference between the cheapest and most expensive vehicle types is modest. Luxury Electric vehicles top the list at $71 monthly, representing only a $14 difference from the cheapest option among the vehicle categories MoneyGeek analyzed.
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Coverage Level:State Minimum
| Luxury Compact | $57 | $690 |
| Minivan | $58 | $692 |
| Luxury Compact SUV | $59 | $704 |
| Sports Car | $59 | $707 |
| Compact SUV | $59 | $712 |
| Luxury SUV | $59 | $713 |
| Electric | $60 | $723 |
| Compact | $60 | $723 |
| Sedan | $60 | $725 |
| Pickup Truck | $61 | $730 |
| Luxury Sedan | $61 | $732 |
| SUV | $61 | $733 |
| Luxury Sports Car | $68 | $818 |
| Luxury Electric | $71 | $850 |
Rates are for drivers with clean driving records and good credit.
Average Cost of Car Insurance for 25-Year-Olds
For 25-year-olds, the average annual car insurance cost is $1,254 per year or $105 monthly for minimum coverage and $2,505 annually or $209 per month for full coverage. These figures are based on drivers with clean records and good credit, though actual rates may differ depending on your individual driving history.
Car Insurance Cost for 25-Year-Olds by Coverage and Gender
For minimum liability coverage, males pay $107 monthly while females pay $108 and $216 and $217 for full coverage. Below, we outline the average expenses for including 25-year-old male and female drivers on a family policy, categorized by coverage type.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Female | $216 | $2,590 |
| Male | $217 | $2,600 |
Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.
Average Cost of Car Insurance for 25-Year-Olds by State
The average car insurance rate for 25-year-old drivers varies greatly by state, with monthly premiums ranging from $68 per month to $395. These differences are influenced by factors such as crime rates, weather patterns, claim frequency, state minimum requirements, population density and regional economic conditions contribute to these pricing disparities. The detailed breakdown by state below offers insight into what you can expect to pay in your area.
| Alabama | $112 | $1,345 |
| Alaska | $103 | $1,241 |
| Arizona | $167 | $2,008 |
| Arkansas | $119 | $1,423 |
| California | $155 | $1,859 |
| Colorado | $146 | $1,758 |
| Connecticut | $193 | $2,321 |
| Delaware | $199 | $2,388 |
| District of Columbia | $149 | $1,785 |
| Florida | $294 | $3,524 |
| Georgia | $187 | $2,249 |
| Hawaii | $68 | $811 |
| Idaho | $77 | $928 |
| Illinois | $124 | $1,485 |
| Indiana | $90 | $1,083 |
| Iowa | $90 | $1,081 |
| Kansas | $116 | $1,395 |
| Kentucky | $154 | $1,851 |
| Louisiana | $271 | $3,257 |
| Maine | $75 | $897 |
| Maryland | $200 | $2,400 |
| Massachusetts | $130 | $1,560 |
| Michigan | $178 | $2,141 |
| Minnesota | $122 | $1,467 |
| Mississippi | $122 | $1,466 |
| Missouri | $153 | $1,832 |
| Montana | $102 | $1,229 |
| Nebraska | $116 | $1,391 |
| Nevada | $229 | $2,747 |
| New Hampshire | $92 | $1,101 |
| New Jersey | $235 | $2,824 |
| New Mexico | $114 | $1,371 |
| New York | $205 | $2,455 |
| North Carolina | $105 | $1,259 |
| North Dakota | $83 | $1,000 |
| Ohio | $100 | $1,196 |
| Oklahoma | $138 | $1,660 |
| Oregon | $144 | $1,729 |
| Pennsylvania | $176 | $2,112 |
| Rhode Island | $158 | $1,899 |
| South Carolina | $155 | $1,865 |
| South Dakota | $93 | $1,114 |
| Tennessee | $108 | $1,290 |
| Texas | $193 | $2,322 |
| Utah | $146 | $1,758 |
| Vermont | $68 | $820 |
| Virginia | $119 | $1,430 |
| Washington | $128 | $1,533 |
| West Virginia | $111 | $1,337 |
| Wisconsin | $93 | $1,115 |
| Wyoming | $61 | $734 |
Why Is Car Insurance for 25-Year-Olds Expensive?
Car insurance for 25-year-olds can remain fairly costly, though their rates are generally lower than those for younger drivers. However this age group is still considered high-risk due to their higher involvement in accidents and traffic violations, with fatal crashes occurring nearly three times more often than among older drivers. Behaviors like speeding, distractions, driving at night and not wearing seat belts significantly contribute to these risks. While these tendencies tend to decline with experience, male drivers are statistically more likely to exhibit such behaviors, often resulting in higher insurance premiums.
How to Save Money on Car Insurance for 25-Year-Olds
Twenty-five-year-old drivers may encounter higher car insurance premiums than those in older age groups. Fortunately, there are effective methods for 25-year-olds and their families to lower these expenses. Below are some practical tips for finding cost-effective coverage:
- 1
Stay on a parent's policy
Remaining on a parent's insurance policy is an excellent way for 25-year-olds to save on car insurance. By leveraging the parent's established policy and multi-car discounts, premiums can be significantly reduced. Many insurers permit 25-year-olds to stay on a family policy if they reside at home and use a family vehicle.
- 2
Shop around as much as possible
Shopping around and comparing quotes from multiple auto insurance companies is a highly effective way to lower car insurance expenses. According to MoneyGeek's research, teen drivers can see premium differences of up to 30% between the least and most expensive policies.
- 3
Find discounts you qualify for
Twenty-five-year-old drivers can take advantage of a variety of common car insurance discounts. These may include student discounts, lower rates for completing driver education programs and savings from usage-based insurance plans, which could reduce premiums by up to 40%.
- 4
Choose a safe, older car
Twenty-five-year-old drivers can take advantage of a variety of common car insurance discounts. These may include student discounts, lower rates for completing driver education programs, and savings from usage-based insurance plans, which could reduce premiums by up to 40%.
- 5
Adjust your coverage amount
If you're able to cover the cost of replacing your vehicle yourself, opting for liability-only auto insurance policy can be a budget-friendly option. Alternatively, raising your deductibles is an effective way to reduce premiums for full coverage policies.
KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP
Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Cheap Car Insurance for 25-Year-Olds: Bottom Line
Car insurance costs for 25-year-olds can be high, but there are ways to make it more affordable. Shopping around for quotes, staying on a family policy and taking advantage of discounts can help reduce premiums. Insurers like GEICO, State Farm and Travelers often provide competitive rates for drivers in this age group, but comparing options from different providers is key to securing the best deal.
Car Insurance for 25-Year-Olds: FAQ
Although 25-year-olds often pay high car insurance premiums, it's possible to find affordable coverage. To help, we’ve answered some frequently asked questions on the subject:
What is the cheapest car insurance for an 25-year-old?
GEICO ranks among the top budget-friendly car insurance options for 25-year-old drivers nationwide. Minimum coverage averages $50 per month, while full coverage costs around $110 per month when added to a family policy.
How much is car insurance for an 25-year-old per month?
The average monthly cost of car insurance for 25-year-olds is about $51 for minimum coverage and $107 for full coverage. Rates can differ significantly depending on the state, with averages ranging from $40 to $194 per month. These figures are based on drivers with good credit, clean driving records and coverage under a family policy.
Why is car insurance expensive for 25-year-old drivers?
Car insurance rates for 25-year-old drivers tend to be higher as they are still considered moderately high-risk due to their limited driving history. The greater chance of accidents leads insurers to set higher premiums to mitigate potential claims and losses.
Is car insurance more expensive for 25-year-old males?
Yes, car insurance is generally more expensive for 25-year-old males. Data indicates that men in this age range are involved in accidents more often than women, leading insurers to charge higher premiums to reflect the increased risk.
Auto Insurance for 25-Year-Olds: Our Methodology
MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 25-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.
Data Sources and Depth
We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.
Sample Driver Profile
MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:
- Toyota Camry LE
- Clean driving record
- 12,000 miles driven every year
To determine which companies provide the most affordable policies, MoneyGeek compared rates for 25-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.
Coverage Levels and Deductibles Explained
A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.
For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers." Accessed December 24, 2024.