Car Insurance for Drivers under 25

Car insurance for under 25 year olds is typically higher due to the lack of experience. On average, the car insurance rates for drivers under 25 are $147/mo.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • One of the best ways to find low rates for young drivers is to compare quotes from insurance companies online
  • Driving record, type of driving, marital status, and car type are all contributing factors of car insurance rates
  • Car insurance costs can be successfully reduced by making wise choices

When needing car insurance for those under 25 years old, it means car insurance shopping is one of the first lessons where being an adult isn’t necessarily easy or cheap.

Many young adults will learn the harsh reality of being a grown-up and having to pay for the risk their peer group creates.

Compare car insurance quotes for young drivers by entering a zip code now!

Car Insurance Rates for Drivers Under 25 Can be Lowered

While insurance requirements can be a rude awakening, there are ways to minimize the pain.

Some areas to consider are:

  • Driver training – car insurance costs less if you attend a certified driver training courses
  • Driving record – a clean driving record without tickets will have a positive effect on insurance rates
  • Location – insurance rates are higher in large metropolitans than they are in rural, unpopulated areas

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Where, When, and Why You Drive

Another factor that can have an impact on cost is the type of driving to be done.

Occasional driving for pleasure is going to be less expensive than using the car to commute back and forth to work or school.

Should there be a serious accident, insurance companies will investigate an insured’s driving habits to see if what they claimed coincides with the facts.

In addition to the type of driving, the amount of driving will influence insurance rates. The fewer miles driven, the lower your rates will be. Probability shows that the more miles

Probability shows that the more miles driven, the greater the likelihood of an accident.

Who You Are Impacts Auto Insurance Rates

Married couples generally pay less for insurance than their single counterparts. Additionally, having a child can positively impact car insurance rates.

Even more than getting married, having children drives home the idea that this young adult is not living just for themselves.

Car insurance companies know the sobering impact that taking responsibility for another human life has on most new parents.

They anticipate a more cautious approach to driving, and risk aversion is worth money.

What You Drive: Car Type and Insurance Rate

Simply put the type of car you drive impacts car insurance rates.

The type of car provides the insurance company with a strong indicator of the way that person plans to drive.

In addition, insurance companies will look at:

  • Horsepower
  • Vehicle weight
  • Crash history
  • Theft history
  • Historical repair costs

Making a wise choice in the vehicle to be insured can seriously impact the cost of insurance.

As we can see, it is not all bad news for drivers needing car insurance under 25 years old.

What is the best car insurance for under 25 year olds? Enter your zip code into the free rates tool and compare car insurance quotes now!



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Enter your ZIP code below to view companies that have cheap car insurance rates.

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