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 $1,762 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 $350 more than the average at age 24.
In Kentucky, 25-year-olds can expect to pay an average annual rate of $2,701 for a full-coverage car insurance policy.
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?
As a 25-year-old in Kentucky, 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 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 |
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How do rates for 25-year-olds compare to rates for other ages in Kentucky?
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 | $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?
According to CarInsurance.com’s data, the average full coverage insurance policy for a 25-year-old male in Kentucky with $500 comprehensive and collision deductibles costs $2,774.
| 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 |
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 Kentucky?
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 Kentucky, the average annual cost for a full coverage policy is $2,629, $405 more 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 | $729 |
| 50/100/50 Liability Only | $938 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,629 |
Average car insurance rates by state for a 25-year-old
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At 25, young adults are beginning to build their finances, so they can afford more than liability car insurance. Liability insurance only covers injuries and damage you cause to others in an accident up to the policy’s limits. However, the minimum coverage required by the state is often insufficient because medical expenses can quickly add up if someone is seriously injured in a crash.
As young adults earn more disposable income, they should think about getting comprehensive and collision coverage, especially if they’re financing a vehicle (in which case, full coverage will be required by the lender). Choosing a higher deductible can lower your insurance rate, but remember that you’ll have to pay the deductible if you need to file a claim.
Ultimately, the best car insurance for 25-year-olds is the one that suits their individual needs. According to CarInsurance.com’s Best Insurance Companies survey, American Family is the top choice for young drivers and teens. When evaluating an insurance company, consider its National Association of Insurance Commissioners (NAIC) score, which ranks companies based on the number of customer complaints it receives, its J.D. Power auto claims satisfaction score and AM Best rating, which assesses 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 experience driving, your auto insurance rates will fall. The even better news is it will continue to get cheaper as you age.
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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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 Kentucky