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 $1,185 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 $174 more than the cost for a 24-year-old.
In Illinois, the average annual rate for a full-coverage policy for 25-year-olds is $1,905.
Keep reading to learn more about car insurance for 25-year-olds in Illinois
Cheapest car insurance for 25-year-olds in Illinois
In Illinois, a 25-year-old driver generally pays $1,905 per year for full coverage car insurance. The table below shows the average full coverage rates from major insurance companies in Illinois for 25-year-old male and female drivers.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Auto Club Group – ACG (AAA) | $1,126 | $1,321 |
| Travelers | $1,283 | $1,347 |
| Geico | $1,456 | $1,345 |
| Progressive | $1,685 | $1,717 |
| Auto-Owners | $1,832 | $1,914 |
| State Farm | $1,821 | $2,095 |
| Erie Insurance | $2,079 | $1,880 |
| Country Financial | $1,953 | $2,051 |
| Allstate | $3,295 | $3,300 |
| USAA* | $2,283 | $2,363 |
How much is car insurance for a 25-year-old in Illinois each month?
How much you pay for car insurance as a 25-year-old in Illinois 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 Illinois.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $516 | $43 |
| 50/100/50 Liability Only | $574 | $48 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,905 | $159 |
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How do rates for 25-year-olds compare to rates for other ages in Illinois?
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 | $6,363 | $530 |
| 20 | $3,090 | $258 |
| 25 | $1,905 | $159 |
| 40 | $1,532 | $128 |
| 65 | $1,400 | $117 |
| 70 | $1,493 | $124 |
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 Illinois?
The average full coverage car insurance policy for a 25-year-old male with a $500 comprehensive/collision deductible in Illinois is $1,931, according to CarInsurance.com data.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $515 |
| 50/100/50 Liability Only | $571 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,931 |
The Insurance Institute for Highway Safety reports that 25- to 30-year-old males were involved in 1,848 fatal accidents in 2020 – a rate of about 15.6 per 100,000 male drivers. That’s still high compared to the accident rates for males in their 30s and 40s, but it is trending down from the fatality rates for those in their early 20s.
How much is car insurance for a 25-year-old female in Illinois?
With a good driving record and credit score, female drivers will notice their insurance rates have dropped substantially at age 25.
The average national cost of a full coverage insurance policy for a 25-year-old female with a $500 comprehensive/collision deductible is $2,224. In Illinois, the average annual cost for a full coverage policy is $1,879, $345 less than the national rate for 25-year-old females.
See other rates in the table below.
| Coverage level | Average annual rates for female |
|---|---|
| State Minimum Liability Only | $517 |
| 50/100/50 Liability Only | $578 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,879 |
Average car insurance rates by state for a 25-year-old
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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 Illinois
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 Illinois
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 Illinois 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.
- J.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.
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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.
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John McCormick
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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.
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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.
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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 Illinois