Once a driver turns 25, they move out of the highest-risk age category, resulting in a significant reduction in their car insurance rates. With a good driving record, a 25-year-old pays $1,863 more than for a full coverage policy compared to what they paid at age 20.
A 25-year-old driver typically pays an average of $2,259 annually or $188 monthly for full coverage car insurance across the nation, which is $315 more than the cost for a 24-year-old.
In Florida, the average annual rate for a full-coverage policy for 25-year-olds is $3,191.
Keep reading to learn more about car insurance for 25-year-olds in Florida
Cheapest car insurance for 25-year-olds in Florida
An average 25-year-old driver in Florida pays $3,191 per year for full coverage car insurance. The chart below shows the average rates for full coverage from major insurance companies in Florida for male and female drivers at age 25.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Nationwide | $2,316 | $2,424 |
| State Farm | $2,333 | $2,480 |
| Travelers | $2,655 | $2,716 |
| Geico | $2,749 | $2,819 |
| Progressive | $3,256 | $3,159 |
| UAIC | $3,274 | $3,185 |
| National General | $3,695 | $3,838 |
| Farmers | $3,948 | $4,108 |
| Mercury Insurance | $4,085 | $4,049 |
| Allstate | $4,029 | $4,191 |
How much is car insurance for a 25-year-old in Florida each month?
How much you pay for car insurance as a 25-year-old in Florida will vary depending on where you live, coverage levels, credit score, driving record and the deductible you select.
The table below shows how much car insurance costs for a 25-year-old per month and per year, on average, in Florida.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $1,140 | $95 |
| 50/100/50 Liability Only | $1,834 | $153 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,191 | $266 |
You might also like
- Best car insurance companies in Florida
- Non-owner car insurance in Florida: Find affordable rates
- Liability insurance for Florida drivers
- Minimum car insurance requirements in Florida
- Florida car insurance calculator: Get estimates by ZIP code and model
- Cheap car insurance for seniors in Florida
- Car insurance discounts in Florida; 13% potential savings
- What’s the cheapest car insurance in Florida?
- How much does car insurance cost in Florida?
How do rates for 25-year-olds compare to rates for other ages in Florida?
The cost of car insurance will peak in your teens and decrease yearly until age 65 when rates start to increase again. See the chart below to see how rates change at various ages, from your teens to age 70.
| Age | Average annual rates | Average monthly rates |
|---|---|---|
| 16 | $9,010 | $751 |
| 20 | $5,054 | $421 |
| 25 | $3,191 | $266 |
| 40 | $2,694 | $224 |
| 65 | $2,477 | $206 |
| 70 | $2,617 | $218 |
Check out our detailed guide on the average car insurance rates by age
How much is car insurance for a 25-year-old male in Florida?
Based on CarInsurance.com’s data analysis, a 25-year-old male in Florida with $500 comprehensive/collision deductibles pays $3,229 for a full coverage insurance policy.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $1,109 |
| 50/100/50 Liability Only | $1,795 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,229 |
The Insurance Institute for Highway Safety reports that in 2020, 25- to 30-year-old males were involved in 1,848 fatal accidents – a rate of around 15.6 per 100,000 male drivers. While this rate remains high compared to males in their 30s and 40s, it is lower than the fatality rates for males in their early 20s.
How much is car insurance for a 25-year-old female in Florida?
Female drivers with a good driving record and credit score will see a significant decrease in their insurance rates when they turn 25.
The national average cost of a full coverage insurance policy with $500 comprehensive and collision deductibles for a 25-year-old female is $2,224. In Florida, the annual cost is $3,152, $928 more than the national average for 25-year-old females.
See the table below for car insurance rates for different coverage limits.
| Coverage level | Average annual rates for female |
|---|---|
| State Minimum Liability Only | $1,170 |
| 50/100/50 Liability Only | $1,873 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,152 |
Average car insurance rates by state for a 25-year-old
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via What’s the best car insurance for 25-year-old drivers in Florida?
By the age of 25, many young adults begin to build their finances and can afford more than liability car insurance, which covers injuries and damage inflicted on others in an accident up to your policy’s limits. However, state-mandated minimum coverage often falls short, particularly as medical costs can add up significantly in case of a severe accident.
As young adults start to have more disposable income, it’s wise to consider adding comprehensive and collision coverage, especially if they’re financing a car. Opting for a higher deductible can reduce your insurance premium, but remember, you’ll need to cover the deductible if you file a claim.
Ultimately, the best car insurance for a 25-year-old driver is the one that fits their specific needs. CarInsurance.com’s Best Insurance Companies survey found that the American Family is the best insurance company for young drivers and teens.
To make an informed choice, consider a company’s National Association of Insurance Commissioners (NAIC) score, which ranks an insurer based on the number of customer complaints it receives, its J.D. Power auto claims satisfaction rating and AM Best data, which evaluates financial stability.
Car insurance discounts for 25-year-olds in Florida
Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn., stresses that the three biggest favors any young adult can do for themselves in terms of getting the lowest insurance rates are to stay accident-free, maintain a clean driving record and a good credit score.
“They’re the essentials of getting affordable insurance,” he says. “After that, you can look at a variety of other things such as affiliated discounts, bundling insurance policies and perhaps an in-car monitoring device.”
Other car insurance discounts that might be available:
- Good driver/safe driver: Up to 30%
- Multi-policy discounts: Up to 13%
- Lower annual mileage/driving less: Up to 9%
- Usage-based discount programs/telematics: Up to 10%
- Paperless discount/autopay: Up to 4%
- Loyalty discount: Up to 11%
- Anti-theft devices: Up to 2%
In addition to discounts, consider the kind of car you choose. Practical, safe and reliable cars are cheaper to insure than sports or luxury vehicles.
Compare rates on car models like the top teen and young adult-ready cars that cost less than $15,000 with high safety ratings.
Guide: How to lower car insurance costs
Final thoughts on car insurance for 25-year-olds in Florida
As you gain more driving experience, your auto insurance rates will decrease. The even better news is that your rates will keep decreasing as you age. It’s crucial to compare quotes from multiple insurers in Florida to find the best rate and coverage options tailored to your needs.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed October 2024.
- National Association of Insurance Commissioners. “NAIC Score” Accessed October 2024.
- D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed October 2024.
- AM Best. “AM Best Ratings” Accessed October 2024.
Methodology
CarInsurance.com gathered auto insurance rates from Quadrant Information Services for 25-year-old male and female drivers across various coverage levels: state minimum, 50/100/50 liability, and 100/300/100 full coverage with a $500 deductible.
The rates were obtained using a sample profile of a 25-year-old individual driving a Honda Accord LX with no history of traffic violations and a good insurance score. To evaluate the rates, we compared 53,409,632 insurance quotes from 170 regional and national insurance companies, encompassing 34,588 ZIP codes across the United States.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Florida