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 $1,470 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 $335 more than the cost for a 24-year-old.
In Pennsylvania, the average annual rate for a full-coverage policy for 25-year-olds is $2,304.
Keep reading to learn more about car insurance for 25-year-olds in Pennsylvania
How much is car insurance in Pennsylvania per month for a 25-year-old?
How much you pay for car insurance as a 25-year-old in Pennsylvania 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 Pennsylvania.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $443 | $37 |
| 50/100/50 Liability Only | $587 | $49 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,304 | $192 |
Cheapest car insurance for 25-year-olds in Pennsylvania
In Pennsylvania, a 25-year-old driver generally pays $2,304 per year for full coverage car insurance. Pennsylvania law prohibits insurance companies from using gender as a factor to calculate car insurance premiums. The table below shows the average full coverage rates from major insurance companies in California for 25-year-old drivers.
| Company | Average annual rates |
|---|---|
| Travelers | $1,072 |
| Nationwide | $1,389 |
| Erie Insurance | $1,965 |
| Donegal Insurance | $2,391 |
| Westfield Insurance | $2,449 |
| GEICO | $2,707 |
| Progressive | $2,735 |
| State Farm | $2,852 |
| Allstate | $3,090 |
| USAA* | $2,453 |
How do rates for 25-year-olds compare to rates for other ages in Pennsylvania?
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 | $7,076 | $590 |
| 20 | $3,775 | $315 |
| 25 | $2,304 | $192 |
| 40 | $1,872 | $156 |
| 65 | $1,678 | $140 |
| 70 | $1,833 | $153 |
Check out our detailed guide on the average car insurance rates by age
Explore auto insurance rates for 25-year-olds in your neighboring states
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What’s the best car insurance for 25-year-old drivers in Pennsylvania?
By the age of 25, many young adults begin to build their finances and can afford more than liability car insurance, which covers injuries and damage inflicted on others in an accident up to your policy’s limits. However, state-mandated minimum coverage often falls short, particularly as medical costs can add up significantly in case of a severe accident.
As young adults start to have more disposable income, it’s wise to consider adding comprehensive and collision coverage, especially if they’re financing a car. Opting for a higher deductible can reduce your insurance premium, but remember, you’ll need to cover the deductible if you file a claim.
Ultimately, the best car insurance for a 25-year-old driver is the one that fits their specific needs. CarInsurance.com’s Best Insurance Companies survey found that the American Family is the best insurance company for young drivers and teens.
To make an informed choice, consider a company’s National Association of Insurance Commissioners (NAIC) score, which ranks an insurer based on the number of customer complaints it receives, its J.D. Power auto claims satisfaction rating and AM Best data, which evaluates financial stability.
Car insurance discounts for 25-year-olds in Pennsylvania
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 Pennsylvania
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 February 2026.
- National Association of Insurance Commissioners. “NAIC Score” Accessed February 2026.
- J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed February 2026.
- AM Best. “AM Best Ratings” Accessed February 2026.
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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