120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Car insurance for drivers under 25 costs more than it does for older drivers, but that doesn’t mean you have to overpay for coverage.[1] The average driver under 25 pays roughly $258 per month for full coverage. But after you turn 25, rates drop with every year of experience behind the wheel.
Costs also vary widely from one insurance company to the next, so which one you choose matters. As you navigate your options, here’s what you need to know about average auto insurance rates by age, the cheapest insurers for young drivers, the best auto insurance discounts available, and whether you should stay on a parent’s policy or buy your own.
Under-25 drivers pay an average of $289 per month, compared to $136 per month for all drivers.
Rates are typically highest at age 16, when you have the least amount of experience, and start to decrease as you age.
Staying on a parent’s policy often costs less than buying your own.
Drivers younger than 25 pay an average of $258 per month for full-coverage insurance and $127 per month for liability-only insurance. Despite the expensive average premiums, plenty of insurers offer more affordable rates.
The table below shows the overall monthly averages for companies offering the cheapest car insurance to drivers younger than 25.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Quote: Liability Only |
|---|---|
| COUNTRY Financial | $57 |
| Auto-Owners | $64 |
| USAA | $66 |
| State Farm | $71 |
| Erie | $89 |
| American Family | $90 |
| Allstate | $93 |
| GEICO | $95 |
| Mile Auto | $97 |
| Safeco | $98 |
| Root | $105 |
| Dairyland | $108 |
| The General | $112 |
| Nationwide | $118 |
| Direct Auto | $118 |
| GAINSCO | $120 |
| Travelers | $121 |
| Mercury | $123 |
| Bristol West | $126 |
| Farmers | $127 |
| Clearcover | $130 |
| Elephant | $131 |
| Anchor | $139 |
| Chubb | $149 |
| AssuranceAmerica | $157 |
| Liberty Mutual | $158 |
| Plymouth Rock | $158 |
| 21st Century | $166 |
| Shelter | $172 |
| CSAA | $185 |
| State Auto | $191 |
| The Hartford | $208 |
| Hugo | $246 |
| Amica | $320 |
Check quotes from 120+ top insurance companies
The national average for auto insurance is $99 per month for basic liability coverage and $173 per month for full coverage. For drivers under 25, those numbers are considerably higher.
Rates tend to be steepest at age 16 and drop with each passing year as you build driving experience and a clean record. By age 24, most drivers are paying nearly 27% less, but it’s still more than the average car insurance cost for older drivers. The table below shows average monthly quotes by age, according to Insurify data.
Age | Average Monthly Quote |
|---|---|
| 16 | $353 |
| 17 | $338 |
| 18 | $324 |
| 19 | $309 |
| 20 | $294 |
| 21 | $280 |
| 22 | $265 |
| 23 | $251 |
| 24 | $236 |
Paying for car insurance as a young adult can be expensive, even if you can find lower quotes from an insurance company. Many insurers understand this and try to offer discounts to help you save a little more money on your monthly payments.
Here are some common car insurance discounts for drivers younger than 25 and how to get them.
Discounts | Criteria | Potential Savings | Companies That Offer It |
|---|---|---|---|
| Good student discount | High school or college student with good grades (typically a B average or better) | 10%-25% | State Farm, Progressive, Liberty Mutual, GEICO, Allstate, Amica, Nationwide, Travelers, Mercury, USAA |
| Defensive driver discount | Completion of a defensive driving course from an accredited institution | 5%-15% | State Farm, GEICO, Travelers, Amica, Nationwide, American Family |
| Multi-policy discount | Bundling auto insurance with your renters or homeowners insurance | 5%-25% | Most major car insurance companies |
| Safety features discount | Certain safety features or anti-theft devices, like anti-lock brakes, airbags, and daytime running lights | 3%-23% | Farmers, State Farm, Allstate, GEICO, Amica, The General, Nationwide, American Family |
| Driver education program discount | Completion of an insurer-approved driver education course for teens and young adults | 5%-20% | Allstate, American Family, State Farm |
| Telematics discount | A device in your car that monitors your mileage and safe driving habits (some companies may raise your rates if they detect poor driving habits) | 10%-40% | Progressive, Allstate, Farmers, American Family, Nationwide, Liberty Mutual, USAA, GEICO, State Farm |
Despite the high costs of coverage, young drivers still have ways to keep costs down. Here are some of the most effective strategies.
Car insurance rates for young drivers can vary dramatically from one insurance company to the next. Every company’s unique rating system weighs age differently, so affordable car insurance for a 20-year-old may not be the best deal for a 23-year-old, and vice versa.
Getting quotes from at least three to five insurers before you commit gives you a real sense of the market. With Insurify, you can compare car insurance quotes from multiple insurers to find the right fit.
Many insurers offer telematics programs that track your driving behavior, such as your speed, braking, cornering, and the time of day you drive. These programs are especially useful for young drivers without a long driving history, as they offer great sign-on discounts and future savings if you’re a safe driver.
Low-mileage drivers may also want to consider pay-as-you-go car insurance. These programs charge a low monthly base rate, plus a per-mile rate.
The car you drive directly affects your insurance rate. Vehicles with solid safety features and low theft rates generally cost less to insure. Sports cars and high-performance vehicles come with higher car insurance premiums regardless of your age, so they’re especially costly for young drivers. Before buying a car, it’s worth checking how much the car will cost to insure.
Choosing a higher deductible — the amount you pay out of pocket before your insurance kicks in — lowers your monthly premium. This can be a smart trade-off for young drivers who are confident in their safe driving habits and have some savings set aside to cover a potential claim. Just make sure the deductible you choose is an amount you can realistically afford.
Monthly rates start at $56 for drivers in their 20s
If you’re a teen driver or younger than 25 and still living at home, staying on your parents’ auto insurance policy is usually the more affordable option. For full coverage, it’s 24% cheaper to stay on your parents’ policy. This is because being added to an existing policy costs far less than buying a stand-alone policy, since insurers spread the risk across multiple drivers.
A driver of any age can stay on a parent’s policy as long as they live at the same address. If you’ve moved out and aren’t a college student, you may need your own policy.
The table below compares average monthly quotes for a 20-year-old on their own versus on a parent’s policy, based on Insurify data.
Driver | Average Liability-Only Quote | Average Full-Coverage Quote |
|---|---|---|
| 20-year-old driver on their own policy | $168 | $294 |
| 20-year-old driver on their parents’ policy | $128 | $223 |
Due to less experience, young adults have a higher probability of being in an accident. As a result, insurers charge higher premiums to younger drivers for liability-only and full-coverage car insurance.
While it may seem like companies are penalizing you for your age, insurance premiums are mainly based on the level of risk insurers take on by insuring you and on your likelihood of filing a claim. As a result, if you pose a higher risk, you’ll pay a higher rate.
Insurers also consider other factors, like credit, the type of vehicle you drive, where you live, past driving history, and your claims history.[2] This means you can still save money on insurance premiums as a young driver. Check out the best car insurance companies for drivers younger than 25, according to Insurify.
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $216/mo |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Farmers is Insurify’s top recommendation for the cheapest car insurance for drivers younger than 25. With low average premiums, young drivers don’t have to pay significantly more than drivers with more experience.
Additionally, Farmers offers many discounts that young drivers could be eligible for, such as:
A good student discount (for drivers younger than 25 who maintain a B average or higher)
A distant-student discount for college students living on campus a certain number of miles away from home
Bundling auto and renters insurance
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitors
Not available in every state
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Travelers offers a wide range of car insurance options and has a national network of local independent agents to help you determine the right coverage limits for your needs. This insurance company offers discounts to safe drivers who haven’t had an accident in three to five years, as well as to high school or college students who maintain a B average or better.
Travelers also offers optional coverages, like roadside assistance and coverage for rental car fees if a covered accident leaves you without a car during repairs. Accidents happen, and instead of raising your premium if you file a claim, Travelers has an accident forgiveness program through which the company forgives one accident within a specified period.
Accident forgiveness available
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Rideshare coverage not available in all states
High number of negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers many car insurance coverage options and saves students up to 25% on premiums when they get good grades; just submit your most recent report card as proof. You can lock in these savings even after graduating college until you’re 25 years old.
State Farm also offers the Steer Clear telematics program. Drivers are eligible if they’re younger than 25 years old, have a valid driver’s license, and have had no at-fault accidents or moving violations in the past three years. The program requires you to complete a five-module video course and practice safe driving on the road.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Insurers use risk to set rates, and young drivers — especially teen drivers — represent a higher risk than older, more experienced drivers. Statistically, drivers younger than 25 are more likely to be involved in accidents, and accidents are expensive for insurance companies to pay for.[3]
Beyond driving history, insurers also look at factors like the type of car you drive, your location, and whether you have a clean driving record.
Most insurers factor in credit history as well, and younger drivers have had less time to build a strong credit profile. All of these variables combine to push rates higher for new drivers and other young adults, but the good news is that your rate will improve each year as you gain experience and demonstrate safe driving.
Save up to $1,100† per year on coverage
How much you pay for car insurance as a young driver depends partly on where you live. State minimum coverage requirements and local rating regulations both affect what you’ll pay. For example, Hawaii and Massachusetts don’t allow insurers to use age as a direct rating factor, which may result in lower rates for young drivers.[4]
Here’s a look at the average cost of coverage for each state, according to Insurify data:
State | Cheapest Insurance Company for Drivers Under 25 | Cheapest Liability-Only Rate for Drivers Under 25 |
|---|---|---|
| Alabama | National General | $${AUTO_CHEAPEST_LIABILITY_STATE_AL_PRICE_1_AGE-20S} |
| Arizona | Just Pay-Per-Mile | $85 |
| Arkansas | State Farm | $54 |
| California | USAA | $105 |
| Colorado | State Farm | $72 |
| Connecticut | State Farm | $135 |
| Delaware | USAA | $93 |
| Florida | Progressive | $117 |
| Georgia | Auto-Owners | $114 |
| Hawaii | GEICO | $66 |
| Idaho | Auto-Owners | $44 |
| Illinois | Auto-Owners | $63 |
| Indiana | Auto-Owners | $59 |
| Iowa | State Farm | $29 |
| Kansas | State Farm | $67 |
| Kentucky | Progressive | $103 |
| Louisiana | State Farm | $80 |
| Maine | USAA | $52 |
| Maryland | USAA | $189 |
| Massachusetts | State Farm | $73 |
| Michigan | USAA | $83 |
| Minnesota | State Farm | $74 |
| Mississippi | State Farm | $52 |
| Missouri | USAA | $69 |
| Montana | State Farm | $40 |
| Nebraska | Auto-Owners | $56 |
| Nevada | COUNTRY Financial | $71 |
| New Hampshire | National General | $${AUTO_CHEAPEST_LIABILITY_STATE_NH_PRICE_1_AGE-20S} |
| New Jersey | NJM | $${AUTO_CHEAPEST_LIABILITY_STATE_NJ_PRICE_1_AGE-20S} |
| New Mexico | The General | $73 |
| New York | Erie | $132 |
| North Carolina | Nationwide | $73 |
| North Dakota | State Farm | $29 |
| Ohio | Mile Auto | $55 |
| Oklahoma | State Farm | $45 |
| Oregon | State Farm | $88 |
| Pennsylvania | Hugo | $45 |
| Rhode Island | USAA | $125 |
| South Carolina | USAA | $88 |
| South Dakota | State Farm | $43 |
| Tennessee | State Farm | $62 |
| Texas | State Farm | $71 |
| Utah | USAA | $74 |
| Vermont | State Farm | $22 |
| Virginia | Auto-Owners | $77 |
| Washington | State Farm | $77 |
| Washington, D.C. | Erie | $201 |
| West Virginia | State Farm | $53 |
| Wisconsin | USAA | $41 |
| Wyoming | USAA | $30 |
Young drivers often have questions about how insurers calculate rates and how to find the best deal. Here are answers to some of the most common ones.
A 20-year-old pays a monthly average of $176 for coverage, but rates vary by insurer and location. COUNTRY Financial and Auto-Owners offer cheap car insurance for under-25 drivers.
Car insurance for young drivers under 25 generally decreases each year after age 18, with a more significant drop around age 25, when most insurers stop classifying drivers as high-risk based on age alone.
Yes. You can generally stay on a parent’s policy at any age, as long as you live at the same address or are in school. There’s no age limit for staying on your parents’ car insurance.
COUNTRY Financial offers the cheapest car insurance for under 25 drivers, with rates starting at $56 per month.
But the cheapest insurance for you will depend on a variety of factors, including where you live, your gender, your age, the car you drive, and more. Comparing quotes from multiple insurers and qualifying for a good student discount or other young driver discounts can lower your rate significantly.
Yes. Vehicles with high safety ratings and low theft rates cost less to insure. Sports cars and high-performance models carry higher premiums for all drivers, but especially for young adults.
Adding a young driver to an existing car insurance policy typically costs less than a stand-alone policy. The exact increase depends on the driver’s age, their driving record, and the insurer. But drivers who stay on their parents’ policy pay on average $128 per month for liability coverage and $223 per month for full coverage.
Generally, yes. Male drivers under 25 are statistically more likely to be involved in accidents, so most insurers charge them higher rates than female drivers of the same age. But the price difference often isn’t very large.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
