Cheapest Car Insurance for Drivers Under 25 (2024)

COUNTRY Financial, Auto-Owners, and USAA offer affordable rates for drivers younger than 25.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

Featured in

media logomedia logo
Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

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 rock climbing, yoga and crocheting.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 July 14, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Drivers have found policies from Safety Insurance, Aspire General, CSAA, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers younger than 25 often pay the highest rates for car insurance. Statistically, young drivers are more likely to be involved in serious crashes than any other age group.[1]

Younger drivers can still find cheaper car insurance since each company has different rates and standards for weighing risks. To help narrow down your search, Insurify analyzed quotes for younger drivers to find the cheapest car insurance for drivers younger than 25.

Quick Facts
  • Less driving experience and lower credit-based insurance scores can add up to higher car insurance rates for young drivers.

  • Young drivers can save by taking advantage of a variety of discounts.

  • Drivers younger than 25 who compare car insurance rates are most likely to find the coverage they need at a price they can afford.

Cheap car insurance quotes for drivers under 25

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Liability Only
COUNTRY Financial$23
Auto-Owners$47
NJM$50
USAA$55
Hugo$59
Erie$63
GEICO$66
State Farm$68
Mile Auto$72
Allstate$74
American Family$76
Metromile$85
Progressive$86
Safeco$86
CSAA$92
National General$93
Dairyland$94
Root$96
Nationwide$99
Mercury$100
Clearcover$103
Travelers$104
State Auto$113
Elephant$114
Direct Auto$117
Liberty Mutual$125
Farmers$127
Shelter$131
The General$135
Chubb$136
GAINSCO$139
21st Century$141
Commonwealth Casualty$142
Bristol West$143
AssuranceAmerica$154
The Hartford$159
Foremost$173
Infinity$220
Amica$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance for Young Drivers

Rates start as low as $22/mo. for drivers under 25

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Editor’s Experience

Courtney Mikulski

Courtney Mikulski

Senior Editor, Auto, Insurify

I bought my first policy by myself when I was 24, but I took the time to shop around and compare quotes. I eventually landed on GEICO because it had the lowest rates — around $120 per month — even with an at-fault accident on my record at the time. It was also helpful that I was insuring a Hyundai Elantra, a relatively low-value, common car.

View less

The best car insurance companies for drivers under 25

Due to less experience, younger drivers 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.[2]

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.

Best for cheap coverage: Farmers

Compare personalized, real-time quotes
User Reviews
3.0
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.
8.3/10
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.
$113/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.
$251/mo

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

  • A multiple-vehicle driver discount

  • Bundling auto and renters insurance

  • Alternative fuel vehicle discount

Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages.

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

Read more driver reviews of Farmers
Mukhtar - July 13, 2024
Verified

They Should Compare Their Rates with Other Insurance Companies

They charge more money than other insurance companies for the same coverage. Other insurance companies are a lot better than Farmer.

Jennifer - July 12, 2024
Verified

Awful

Experienced discriminatory behavior, dishonesty, and denial of accommodations for disability needs.

Cynthia - July 12, 2024
Verified

Very expensive, they have good claims service for cars but poor claim service for house damage caused by a falling tree. I had to report it twice.

Very expensive, they have good claims service for cars but poor claim service for house damage caused by a falling tree. I had to report it twice.
Keep Reading: Farmers Car Insurance Review

Keep Reading: Farmers Car Insurance Review

Best for coverage options: Travelers

Compare personalized, real-time quotes
User Reviews
3.5
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.
9.0/10
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.
$90/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.
$196/mo

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.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Read more driver reviews of Travelers
Linda - July 10, 2024
Verified

Final

Dealing with the computer-generated documents is trouble for me.

Janet - July 9, 2024
Verified

Fair

They increased my insurance after 6 months, even though I had no tickets or accidents.

Kim - July 9, 2024
Verified

Nickel and Dimed

Travelers was awful. They offer discounts, but only if you go paperless and there are little caveats that my agent never informed me about. Also, they increased my rates significantly without notice.
Check Out: Travelers Auto Insurance Review

Check Out: Travelers Auto Insurance Review

Best for discounts: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$55/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.
$120/mo

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. As a homeschooler, you might also qualify for a good student discount if you submit your national standardized test scores.

State Farm’s national network of 19,000 local exclusive agents can help you personalize your coverage and maximize benefits as a young driver. State Farm offers discounts for:

  • Safe drivers who successfully complete State Farm’s Steer Clear program requirements

  • Teens and young adults who complete their driver training program

  • Bundling insurance

To enroll in the Steer Clear telematics program, you must be younger than 25 years old, have a valid driver’s license, and have 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.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.
Keep Reading: State Farm Insurance Review

Keep Reading: State Farm Insurance Review

How much does car insurance cost for drivers under 25?

Even though drivers younger than 25 can pay higher car insurance premiums than older drivers, rates still vary depending on your specific age. A 16-year-old driver may not get the same rate as a 23-year-old driver. In fact, your monthly car insurance premiums could fluctuate by $50$60 or more each year leading up to age 25.

Age 18 is typically the most expensive age for car insurance, but discounts from your insurance company and staying on your parents’ insurance could help lower costs. The following table shows average car insurance rates by age.

Average Monthly Rate by Driver Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance discounts for drivers under 25

Paying for car insurance as a driver younger than 25 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.

DiscountsCriteriaPotential SavingsCompanies That Offer It
Good student discountHigh 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 discountCompletion of a defensive driving course from an accredited institution5%-15%State Farm, GEICO, Travelers, Amica, Nationwide, American Family
Multi-policy discountBundling auto insurance with your renters or homeowners insurance5%-25%Most major car insurance companies
Safety features discountCertain safety features or anti-theft devices, like anti-lock brakes, airbags, and daytime running lights3%-23%Farmers, State Farm, Allstate, GEICO, Amica, The General, Nationwide, American Family
Driver education program discountCompletion of an insurer-approved driver education course for teens and young adults5%-20%Allstate, American Family, State Farm
Telematics discountA 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

Tips for getting cheaper car insurance

When you’re younger than 25, finding cheap car insurance that fits your budget isn’t impossible. Use these tips to help you cut your premiums as a young driver:

  • Shop around for car insurance. Shopping around for car insurance helps you understand all your options, compare rates, and can save you up to 30%. No two auto insurance companies are the same, and some insurers offer better rates to younger drivers despite their age and lack of experience, so comparing multiple companies is an important step in saving money.

  • Stay on your parents’ policy. When you started driving, your parents likely added you to their existing policy. It’s typically cheaper to add another driver — even a teen driver — to an existing policy than it is to initiate a solo one for the new driver. On average, young drivers save $89 monthly by staying on their parents’ policy. This is especially true if your parents have clean driving records and credit history. But your parent’s name will have to be on the registration for your car in order to add it to their insurance policy.

  • Choose a higher deductible. If you can choose your deductible, consider setting a higher deductible to save on your premium.[2] But understand that this means you’ll need to pay more out of pocket if you do need to file a claim. You’ll save money on premiums long term if you don’t get into any accidents, which may be a worthwhile risk.

  • Drive safely and take a defensive driver class. Defensive driver classes help you learn how to drive safely to avoid accidents and follow the law. These classes are beneficial, and many insurers give you a discount between 5% and 10% on car insurance if you provide proof that you completed a course. In addition to the discount, the fact that you’re a safe driver will lower your risk and help you get more savings in the future. Plus, what you learn in the class could help you avoid accidents that typically increase your insurance premium.

  • Consider driving an older but reliable car. Car insurance rates also depend on the type of car you drive. A newer car or a high-performance car like a sports car will cost more to insure, especially if the type of vehicle is commonly involved in accidents or theft. When a car costs more to repair or replace, insurers charge a higher premium, so consider driving an older but reliable car.[2]

Cheapest recent rates

Drivers have found policies from Certainly, National General, State Farm, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

How car insurance works

Car insurance financially protects drivers in the even of an accident and is required by law in all states except New Hampshire. Every state has different minimum liability coverage requirements, but it most commonly includes:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Bodily injury liability

    Bodily injury coverage pays for medical bills, funeral costs (in severe cases), and other accident-related expenses for the other parties involved in an accident you cause. You’ll commonly see coverage requirements per accident and per person.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    If you’re at fault in an accident and damage someone else’s property, including their vehicle, property damage liability coverage helps pay for the repairs.

Other common coverages you may see include:

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Mostly found in no-fault states, PIP insurance pays for both medical expenses and non-medical expenses related to injuries you or your passengers suffer in a car accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This coverage protects you financially if you’re in an accident with a driver who has too little insurance or is uninsured.

You can elect to get more than just the minimum liability insurance and add on a collision or comprehensive policy, which are included in full-coverage insurance.

Collision insurance covers repairs to your vehicle due to hitting an object, like a light pole, fence, or another car, regardless of fault. Comprehensive coverage pays for vehicle repairs due to unexpected damage from hail, vandalism, animals, and other events outside your control.

While not required, it’s recommended that you select these optional coverages if you can afford them to protect yourself fully.

Car insurance for drivers under 25 FAQs

While younger drivers pay more for car insurance than other age groups, once you pass age 25, your car insurance rates can begin to decline — provided you’ve maintained a clean driving record. Here are answers to some commonly asked questions about car insurance for young drivers.

  • What is the cheapest car insurance for drivers under 25?

    The cheapest car insurance companies for drivers younger than 25 include COUNTRY Financial, Auto-Owners, and USAA. All three companies offer liability rates lower than the $127-per-month average that young drivers pay. These companies also offer several discounts for young drivers and students.

  • How much does car insurance cost for a 25-year-old driver?

    The overall average car insurance cost for a 25-year-old driver is $127 per month for liability insurance and $258 for full coverage. Younger drivers generally pay higher premiums since insurers consider them a higher risk. Drivers younger than 25 have less experience on the road and tend to have more accidents, which leads to more insurance claims. A good driving record, a good credit history, and no accidents for a few years could help lower your car insurance costs.

  • What is the cost difference for males and females under 25?

    Males pay 5% more on average than women for car insurance. Statistically, women get into fewer accidents than men and engage in less risky driving behaviors, so insurers consider male drivers riskier to insure.[3]

  • When do car insurance rates go down?

    Drivers usually begin to see rates decrease past age 25. Rates generally decrease as you get older, but only up to a certain point. Around age 70, drivers may see their premiums increase due to health-related risk factors.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. III. "Facts + Statistics: Teen drivers."
  2. NAIC. "A Consumer's Guide to Auto Insurance."
  3. III. "What determines the price of an auto insurance policy?."
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

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 rock climbing, yoga and crocheting.

Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all