Car Insurance for 25-Year-Olds: Average Rates by State (2026)
Quick Answer
A 25-year-old driver pays an average of $233/month ($2,800/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 25-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,430/yr | $119/mo | $421/yr | Details |
| Vermont | $1,474/yr | $123/mo | $443/yr | Details |
| New Hampshire | $1,517/yr | $126/mo | $450/yr | Details |
| Idaho | $1,568/yr | $131/mo | $457/yr | Details |
| Ohio | $1,641/yr | $137/mo | $479/yr | Details |
| North Carolina | $1,728/yr | $144/mo | $566/yr | Details |
| Iowa | $1,786/yr | $149/mo | $479/yr | Details |
| Wisconsin | $1,808/yr | $151/mo | $508/yr | Details |
| Wyoming | $1,866/yr | $156/mo | $508/yr | Details |
| North Dakota | $1,873/yr | $156/mo | $508/yr | Details |
| Indiana | $1,931/yr | $161/mo | $559/yr | Details |
| Hawaii | $1,946/yr | $162/mo | $566/yr | Details |
| South Dakota | $1,946/yr | $162/mo | $523/yr | Details |
| Montana | $1,997/yr | $166/mo | $530/yr | Details |
| Virginia | $2,011/yr | $168/mo | $595/yr | Details |
| Nebraska | $2,076/yr | $173/mo | $559/yr | Details |
| Oregon | $2,113/yr | $176/mo | $610/yr | Details |
| Washington | $2,134/yr | $178/mo | $632/yr | Details |
| West Virginia | $2,142/yr | $179/mo | $610/yr | Details |
| Alaska | $2,156/yr | $180/mo | $552/yr | Details |
| Pennsylvania | $2,207/yr | $184/mo | $523/yr | Details |
| Tennessee | $2,207/yr | $184/mo | $646/yr | Details |
| Utah | $2,222/yr | $185/mo | $639/yr | Details |
| New Mexico | $2,243/yr | $187/mo | $617/yr | Details |
| Illinois | $2,258/yr | $188/mo | $755/yr | Details |
| Minnesota | $2,272/yr | $189/mo | $682/yr | Details |
| Alabama | $2,292/yr | $191/mo | $711/yr | Details |
| Arkansas | $2,352/yr | $196/mo | $675/yr | Details |
| Missouri | $2,396/yr | $200/mo | $690/yr | Details |
| Mississippi | $2,403/yr | $200/mo | $719/yr | Details |
| Massachusetts | $2,439/yr | $203/mo | $799/yr | Details |
| South Carolina | $2,439/yr | $203/mo | $741/yr | Details |
| Maryland | $2,534/yr | $211/mo | $806/yr | Details |
| Kansas | $2,548/yr | $212/mo | $719/yr | Details |
| Arizona | $2,599/yr | $217/mo | $770/yr | Details |
| Colorado | $2,628/yr | $219/mo | $733/yr | Details |
| Delaware | $2,643/yr | $220/mo | $915/yr | Details |
| Oklahoma | $2,693/yr | $224/mo | $777/yr | Details |
| Rhode Island | $2,810/yr | $234/mo | $893/yr | Details |
| California | $2,923/yr | $244/mo | $690/yr | Details |
| Texas | $2,933/yr | $244/mo | $762/yr | Details |
| Georgia | $3,006/yr | $251/mo | $922/yr | Details |
| Connecticut | $3,013/yr | $251/mo | $1,045/yr | Details |
| Kentucky | $3,035/yr | $253/mo | $929/yr | Details |
| Nevada | $3,100/yr | $258/mo | $944/yr | Details |
| Michigan | $3,543/yr | $295/mo | $1,162/yr | Details |
| New Jersey | $3,659/yr | $305/mo | $1,133/yr | Details |
| Louisiana | $4,487/yr | $374/mo | $1,300/yr | Details |
| New York | $4,646/yr | $387/mo | $1,728/yr | Details |
| Florida | $4,773/yr | $398/mo | $1,350/yr | Details |