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 $1,762 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 $350 more than the cost for a 24-year-old.
In Kentucky, the average annual rate for a full-coverage policy for 25-year-olds is $2,701.
Keep reading to learn more about car insurance for 25-year-olds in Kentucky
Cheapest car insurance for 25-year-olds in Kentucky
In Kentucky, a 25-year-old driver generally pays $2,701 per year for full coverage car insurance. The table below shows the average full coverage rates from major insurance companies in Kentucky for 25-year-old male and female drivers.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Travelers | $2,050 | $2,126 |
| Geico | $2,477 | $2,514 |
| Auto-Owners | $2,519 | $2,566 |
| Kentucky Farm Bureau | $2,379 | $2,758 |
| Shelter Insurance | $2,649 | $2,660 |
| Progressive | $3,158 | $3,170 |
| State Farm | $3,054 | $3,482 |
| Allstate | $3,323 | $3,493 |
| Farmers | $4,363 | $4,592 |
| USAA* | $2,160 | $2,344 |
How much is car insurance for a 25-year-old in Kentucky each month?
If you’re a 25-year-old in Kentucky, the amount you pay for car insurance will depend on where you live, coverage limits, credit score, driving record and your deductibles.
Below are the average annual and monthly car insurance costs for 25-year-old drivers in Kentucky.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $726 | $60 |
| 50/100/50 Liability Only | $935 | $78 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,701 | $225 |
How do rates for 25-year-olds compare to rates for other ages in Kentucky?
Car insurance premiums are at their highest during your teenage years and decrease annually until you turn 65, when they start to rise again. The chart below shows how rates change at different ages, from your teens to 70.
| Age | Average annual rates | Average monthly rates |
|---|---|---|
| 16 | $8,200 | $683 |
| 20 | $4,464 | $372 |
| 25 | $2,701 | $225 |
| 40 | $2,228 | $186 |
| 65 | $2,084 | $174 |
| 70 | $2,183 | $182 |
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 Kentucky?
Based on CarInsurance.com’s data analysis, a 25-year-old male in Kentucky with $500 comprehensive/collision deductibles pays $2,774 for a full coverage insurance policy.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $723 |
| 50/100/50 Liability Only | $931 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,774 |
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 Kentucky?
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 Kentucky, the annual cost is $2,629, $405 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 | $729 |
| 50/100/50 Liability Only | $938 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,629 |
Explore auto insurance rates for 25-year-olds in your neighboring states
What’s the best car insurance for 25-year-old drivers in Kentucky?
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 Kentucky
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, have a clean driving record and maintain 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%
Beyond discounts, be mindful of the type of car you buy. A practical, safe and reliable car will have a much lower insurance rate 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 Kentucky
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 Kentucky 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 March 2025.
- National Association of Insurance Commissioners. “NAIC Score” Accessed March 2025.
- J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed March 2025.
- AM Best. “AM Best Ratings” Accessed March 2025.
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.
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