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 $1,646 more than they did at age 20 for a full coverage policy.
The average national car insurance rate for a 25-year-old driver is about $1,914 per year or $159 per month for a full coverage policy. It’s $274 more than the average at age 24.
In Kentucky, 25-year-olds can expect to pay an average annual rate of $2,209 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
- How do rates for 25-year-olds compare to rates for other ages?
- How much is car insurance for a 25-year-old male in Kentucky?
- How much is car insurance for a 25-year-old female in Kentucky?
- What’s the best car insurance for 25-year-old drivers in Kentucky?
- Car insurance discounts for 25-year-olds in Kentucky
- Final thoughts on car insurance for 25-year-olds in Kentucky
- Resources & Methodology
- Guide to car insurance in cities of Kentucky
Cheapest car insurance for 25-year-olds in Kentucky
An average 25-year-old driver in Kentucky pays $2,209 per year for full coverage car insurance. The chart below shows the average rates for full coverage from major insurance companies in Kentucky for male and female drivers at age 25.
|Company||25-year-old Male||25-year-old Female|
|Kentucky Farm Bureau||$2,576||$3,013|
How much is car insurance for a 25-year-old in Kentucky each month?
How much you pay for car insurance as a 25-year-old in Kentucky 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 Kentucky.
|25-year-old policy||Average Annual Rates||Average Monthly Rates|
|State Minimum Liability Only||$684||$57|
|50/100/50 Liability Only||$879||$73|
|100/300/100 Liability with $500 Comp/Coll Deductible||$2,209||$184|
How do rates for 25-year-olds compare to rates for other ages?
The cost of car insurance will peak in your teens and decrease yearly until age 65 when rates start to creep up again. See the chart below to see how rates change at various ages, from your teens to age 70.
|Age||Average Annual Full Coverage Rates||Average Monthly Full Coverage Rates|
How much is car insurance for a 25-year-old male in Kentucky?
The average full coverage insurance policy for a 25-year-old male with a $500 comprehensive/collision deductible in Kentucky is $2,261, according to 2022 data.
|Coverage level||Average Annual Full Coverage Rates for 25-year-old Male|
|State Minimum Liability Only||$675|
|50/100/50 Liability Only||$871|
|100/300/100 Liability with $500 Comp/Coll Deductible||$2,261|
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 pretty 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 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 $1,869. In Kentucky, the average annual cost for a full coverage policy is $2,158 , $289 higher than the national rate for 25-year-old females.
See other rates in the table below.
|Coverage level||Average Annual Full Coverage Rates for 25-year-old Female|
|State Minimum Liability Only||$693|
|50/100/50 Liability Only||$887|
|100/300/100 Liability with $500 Comp/Coll Deductible||$2,158|
Average car insurance rates by state for a 25-year-old
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 2023 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.
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
- Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed August 2023.
- National Association of Insurance Commissioners. “NAIC Score” Accessed August 2023.
- J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed August 2023.
- AM Best. “AM Best Ratings” Accessed August 2023.
CarInsurance.com commissioned Quadrant Information Services to gather car insurance rates for both male and female 25-year-old drivers across various coverage levels: state minimum, 50/100/50 liability, and 100/300/100 full coverage.
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. The analysis involved a comparison of 56,838,240 insurance quotes from 41 company groups, encompassing 34,523 ZIP codes across the United States.