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Car insurance for drivers 25 to 40 years old

Take advantage of the lowest coverage rates by earning all the discounts you can.

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Your age has a big effect on the cost of your car insurance. But the good news is that 25 years old is when your insurance rates typically drop from what you paid in your late teens and early twenties. But as your lifestyle and vehicles change, so might the coverage you need.

How much does car insurance for drivers age 25 to 40 cost?

Age is only one factor in your car insurance premium, but if you’ve kept your driving record intact, the years between 25 and 40 years old is when you’ll see the lowest minimum rates, with average premiums of $596 to $601 per year for minimum coverage.

Full coverage costs more, but the average rates can be less than half off what you paid as a teenager.

Age Average cost for full coverage
22-25 $2,819
26-30 $2,555
31-35 $2,541
36-40 $2,592

But these are only averages. Comparing insurers and taking advantage of any discounts or savings you can get will help you find the lowest price for the insurance you need.

Compare car insurance for drivers between 25 to 40 years old

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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How can I save on car insurance as a driver 25 to 40 years old?

These tips can help you save on your insurance premium:

  • Shop around. At least once a year, take a little time to compare insurance companies and get quotes to make sure you’re getting the best deal.
  • Bundle coverage. Look for insurers who offer you a discount for multiple cars or for bundling your home and car coverage.
  • Choose a safe economy car. Next time you’re buying a car, consider a more economy model with safety features to get a better insurance rate.
  • Avoid smaller claims. If you can take care of damages on your own, avoid making a claim to your insurance to keep your premiums down.
  • Look for professional and military discounts. Some insurers offer discounts based on your profession or military service that make a big difference.
  • Carpool, if possible. The fewer miles you put on your car, the less likely you are to get into an accident.

What kind of coverage should I get as a driver under age 40?

As your lifestyle and needs change, so should the coverage that’s important to you. Consider the following coverage options:

  • Liability. Most states usually mandate this insurance at minimum, because it covers the damages to other vehicles when you’re at fault in an accident.
  • Collision. This covers damages to your car when you’re at fault in an accident.
  • Comprehensive. If your car is damaged when you’re not driving, this coverage kicks in—for example, if a thief breaks the windows or a tree branch falls on your hood.
  • Uninsured motorist. If the driver who causes the accident doesn’t have insurance or their insurance is inadequate, this covers the difference. Typically, this coverage comes in two forms: bodily injury and property damage.
  • Gap insurance. If you still owe on your car and it’s totalled or stolen, this covers the difference between the depreciated value of your car and the amount of your car loan.
  • Medical payments. Regardless of who is at fault, this helps to cover any medical expenses for you and your passengers that may not be covered by insurance.
  • Additional liability. You can purchase additional property damage and bodily injury liability insurance to make sure you have help to pay for any damages or injuries you cause in an accident.
  • Personal Injury Protection (PIP). Some states require you to carry this “no-fault” coverage, which helps with medical expenses, lost wages and other needs, regardless of who’s at fault.
  • Umbrella. Extra insurance that helps to cover expenses that go beyond the limits of your basic coverage.
  • Roadside assistance. Typically an optional package that offers 24/7 help if you have an emergency, such as a flat tire, if you run out of gas or you lock your keys in the car.

Bottom line

While your minimum coverage rates may be lower, by 25 to 40 years old, you may be facing life changes that require additional coverage. One way to save is to take advantage of every discount available. But the best way to make sure you’re getting the best deal is to compare car insurance companies to see what other insurers have to offer.

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