Once a driver reaches age 25, they are no longer in the riskiest age category and their car insurance rates will begin to reflect that noticeably. When combined with a good driving record and few or no traffic tickets, a 25-year-old can expect to pay about $1,290 more than than they did at age 20 for a full coverage policy.
The average car insurance rate for a 25-year-old driver is about $2,259 per year or $188 per month for a full coverage policy. It’s $268 more than the average at age 24.
In Indiana, 25-year-olds can expect to pay an average annual rate of $1,808 for a full-coverage car insurance policy.
Keep reading to learn more about car insurance for 25-year-olds in Indiana.
Cheapest car insurance for 25-year-olds in Indiana
An average 25-year-old driver in Indiana pays $1,808 per year for full coverage car insurance. The chart below shows the average rates for full coverage from major insurance companies in Indiana for male and female drivers at age 25.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Geico | $1,141 | $1,124 |
| Travelers | $1,462 | $1,537 |
| Nationwide | $1,486 | $1,599 |
| Auto-Owners | $1,536 | $1,614 |
| Progressive | $1,776 | $1,794 |
| State Farm | $1,806 | $2,092 |
| Indiana Farmers Insurance | $1,919 | $2,208 |
| Farmers | $2,035 | $2,195 |
| Indiana Farm Bureau | $2,183 | $2,406 |
| Allstate | $2,939 | $2,939 |
| USAA* | $966 | $1,029 |
How much is car insurance for a 25-year-old in Indiana each month?
As a 25-year-old in Indiana, your car insurance premiums will vary depending on your location, coverage options, credit score, driving record and deductible amount.
The table below highlights the average monthly and annual car insurance premiums for a 25-year-old in Indiana.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $486 | $41 |
| 50/100/50 Liability Only | $570 | $47 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,808 | $151 |
You might also like
- Best car insurance companies in Indiana
- Non-owner car insurance in Indiana: Find affordable rates
- Liability insurance for Indiana drivers
- Minimum car insurance requirements in Indiana
- Indiana car insurance calculator: Get estimates by ZIP code and model
- Cheap car insurance for seniors in Indiana
- Car insurance discounts in Indiana; 9% potential savings
- What’s the cheapest car insurance in Indiana?
- How much does car insurance cost in Indiana?
How do rates for 25-year-olds compare to rates for other ages in Indiana?
Car insurance premiums are typically highest during your teenage years and gradually decrease every year until you reach age 65, after which rates begin to increase again. See the chart below to understand how rates vary from your teens to age 70 in Indiana.
| Age | Average annual rates | Average monthly rates |
|---|---|---|
| 16 | $6,010 | $501 |
| 20 | $3,098 | $258 |
| 25 | $1,808 | $151 |
| 40 | $1,515 | $126 |
| 65 | $1,361 | $113 |
| 70 | $1,456 | $121 |
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 Indiana?
According to CarInsurance.com’s data, the average full coverage insurance policy for a 25-year-old male in Indiana with $500 comprehensive and collision deductibles costs $1,867.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $494 |
| 50/100/50 Liability Only | $576 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,867 |
According to the Insurance Institute for Highway Safety, males aged 25 to 30 were involved in 1,848 fatal accidents in 2020 – a rate of 15.6 per 100,000 male drivers. This rate is still relatively high compared to the accident rates for males in their 30s and 40s, but it is a decline from the fatality rates seen in a man’s early 20s.
How much is car insurance for a 25-year-old female in Indiana?
At age 25, female drivers with a clean driving record and good credit score will find that their insurance rates have dropped considerably.
A 25-year-old female driver pays $2,224 per year nationwide for a full coverage policy with $500 comprehensive/collision deductibles. The average annual cost of a full coverage policy in Indiana is $1,750 that’s $474 less than the national average cost for 25-year-old female drivers.
The table below shows car insurance rates for different coverage limits.
| Coverage level | Average annual rates for female |
|---|---|
| State Minimum Liability Only | $479 |
| 50/100/50 Liability Only | $564 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,750 |
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 Indiana?
At age 25, young adults will be starting to build financial assets so they can afford more than basic liability car insurance, which pays for others’ injuries and damage you cause to their property in an accident. Typically, the state-minimum coverage isn’t enough – medical costs can quickly escalate if significant injuries occur in an accident.
As young adults gain more disposable income, they should consider comprehensive and collision coverage – a must if you’re financing a vehicle. If you have a higher deductible, you can lower your rate, but you’ll be responsible for the deductible if you make a claim.
Ultimately, the best car insurance for 25-year-olds is the policy that meets their individual needs. The Best Insurance Companies survey found that American Family is the best insurance company for young drivers and teens. Review a company’s National Association of Insurance Commissioners’ (NAIC) score, which ranks a company by the number of customer complaints it receives, its J.D. Power auto claims satisfaction score and AM Best data, which measures financial strength.
Car insurance discounts for 25-year-olds in Indiana
Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn., says the three biggest favors young adults 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%
Besides discounts, consider the type of car you purchase. A safe and reliable car will be cheaper to insure than a sports or luxury vehicle.
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 Indiana
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 Indiana 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 Indiana