When drivers turn 25, they move out of the highest-risk age category, resulting in a substantial decrease in car insurance rates. A 25-year-old with a clean driving record and no traffic tickets typically pays $2,347 more than for a full coverage policy than they did at age 20.
The average annual cost of a full coverage car insurance policy for a 25-year-old is $2,259 a year or $188 per month – $473 more than the insurance cost for a 24-year-old driver.
In Louisiana, the yearly cost for the same coverage is $3,356 for 25-year-olds.
Keep reading to learn more about car insurance for 25-year-olds in Louisiana.
Cheapest car insurance for 25-year-olds in Louisiana
In Louisiana, a 25-year-old driver spends $3,356 annually on full coverage car insurance. Below, see the average full coverage rates from major insurance providers in Louisiana for 25-year-old male and female drivers.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Southern Farm Bureau | $2,771 | $2,752 |
| Geico | $3,034 | $3,003 |
| Louisiana Farm Bureau | $3,229 | $3,257 |
| Progressive | $3,501 | $3,551 |
| Farmers | $3,665 | $3,967 |
| Safeway Insurance | $3,730 | $4,092 |
| State Farm | $3,971 | $4,295 |
| Auto Club Enterprises (AAA) | $4,052 | $4,259 |
| USAA* | $2,339 | $2,435 |
How much is car insurance for a 25-year-old in Louisiana each month?
As a 25-year-old in Louisiana, 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 Louisiana.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $840 | $70 |
| 50/100/50 Liability Only | $1,419 | $118 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,356 | $280 |
How do rates for 25-year-olds compare to rates for other ages in Louisiana?
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 | $10,471 | $873 |
| 20 | $5,703 | $475 |
| 25 | $3,356 | $280 |
| 40 | $2,883 | $240 |
| 65 | $2,712 | $226 |
| 70 | $2,725 | $227 |
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 Louisiana?
According to CarInsurance.com’s data, the average full coverage insurance policy for a 25-year-old male in Louisiana with $500 comprehensive and collision deductibles costs $3,409.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $843 |
| 50/100/50 Liability Only | $1,395 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,409 |
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 Louisiana?
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 Louisiana, the average annual cost for a full coverage policy is $3,306, $1,082 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 | $836 |
| 50/100/50 Liability Only | $1,441 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $3,306 |
Explore auto insurance rates for 25-year-olds in your neighboring states
What’s the best car insurance for 25-year-old drivers in Louisiana?
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 Louisiana
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 Louisiana
As you gain more driving experience, you’ll see a drop in your auto insurance rates. The even better news is that this decrease continues as you get older. Each state has its own insurance regulations and minimum coverage requirements, so ensure you’re meeting legal obligations while also getting adequate protection.
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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