Cheapest Car Insurance Companies and Cars to Insure After 25 Years Old

Once you turn 25, car insurance gets more affordable. But it's important to choose the right car to maximize your savings.

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Best car insurance policies for drivers 25 and older

Once you turn 25, you reap the benefits of reduced insurance premiums. On average, the cost difference between a six-month premium for drivers aged 16 to 19 and drivers aged 20 to 29 is 164%! Once you turn 25, your six-month premium drops by $136 and will continue to decline until you reach your late 60s.

Let's explore some of the best ways to save on auto insurance after you turn 25, as well as which vehicles are cheapest to insure for drivers within this age bracket.

  1. Cheap car insurance companies for drivers 25 and up
  2. Cheap vehicles for drivers 25 and older
  3. Additional ways to save

 

How to find cheap car insurance after you turn 25

The best way to find cheap car insurance is to shop around. Getting car insurance quotes does not affect your credit score or your current rate. The only downside is that it's relatively time-consuming — so we've done some of the work for you. We've outlined below some average auto insurance rates for drivers 25 and older from the most popular companies in the US. 

 

Car insurance for 25-year-olds

Your auto insurance premiums will probably decrease significantly after your 25th birthday. Using The Zebra's in-depth auto insurance rating methodology, our team of licensed insurance agents discovered USAA and GEICO are the cheapest insurance companies for 25-year-old drivers.

Insurance Provider6-Month Premium
Allstate$1,116
Farmers$872
GEICO$639
Liberty Mutual$983
Nationwide$658
Progressive$913
State Farm$960
USAA$574

Reference our complete guide to cheap car insurance for 25-year-olds.

 

Car insurance for 30-year-olds

Drivers in their 30s pay 16% less for car insurance than do drivers in their 20s — about $265 per policy period. USAA provides qualifying customers the cheapest rates during their 30s.

Insurer
Average 6-month Insurance Premium
Nationwide
$636
Allstate
$951
Farmers
$618
GEICO
$545
Liberty Mutual
$751
Progressive
$896
USAA
$483
State Farm
$884

Learn more about car insurance in your 30s.

 

Car insurance for 40-year-olds

There is not much of a difference between average premiums for drivers in their 30s vs. drivers in their 40s. The Zebra's data show drivers in their 30s pay 3.76% — or $26 — more per six-month policy than do drivers in their 40s. In other words, turning 40 makes you only slightly less risky a client in the eyes of an auto insurance company. USAA offers the cheapest rates for qualifying drivers aged 40 to 49.

InsurerAverage 6-Month Premium
Allstate$1,205
Farmers$991
GEICO$833
Liberty Mutual$1,086
Nationwide$629
Progressive$1,134
State Farm$1,154
USAA$593

Consult The Zebra's guide to car insurance for drivers in their 40s.

 

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Cheapest vehicles to insure after the age of 25

The perfect vehicle is dependent on the driver. Some drivers want something to get them from A to B — while other drivers want more. Either way, you need to cover your car. Let's breakdown all each different vehicle-type by the top insurance companies in the US so you can make the right decision.

Cheapest trucks to insure

Given their towing and hauling power, trucks hover on the higher end of the insurance-price spectrum. If you're looking for the cheapest truck to insure, start your search with the Nissan Frontier or the Chevy Colorado. These pickup trucks will set you back approximately $130 less in insurance costs each year than a typical truck — and their list prices are relatively affordable.

6-Month Insurance Rates for Pickup Trucks

Truck Make/ModelList PricePremiums
Chevrolet Colorado$20,000$727
Chevrolet Silverado$27,785$754
Ford F-Series$27,110$705
GMC Canyon$20,885$756
GMC Sierra$28,405$752
Honda Ridgeline$29,475$838
Nissan Frontier$18,390$683
Nissan Titan$29,580$881
Toyota Tacoma$23,660$815
Toyota Tundra$23,660$798

For more information on trucks, including premiums by car insurers see our guide here.

Cheapest SUVs to insure

SUVs are among the most popular vehicle types. They're not as bulky or as costly to insure as pickup trucks, but they maintain more versatility than sedans or coupes. Moreover, they tend to cost much less than a pickup truck to insure or buy. On average, an SUV costs $1,579 per year to insure. The Ford Escape is the cheapest SUV to insure.

6-Month Insurance Rates for an SUV

SUV Make/ModelList PricePremium
Honda CR-V$24,045$615
Jeep Cherokee$23,698$635
Ford Escape$23,695$636
Chevrolet Equinox$22,120$636
Jeep Wrangler$23,995$646
Subaru Forester$22,395$662
Toyota Rav4$24,140$665
Nissan Rogue$23,820$669
Ford Explorer$30,185$677
Jeep Grand Cherokee$30,395$696

For more information on SUVs, see here.

Cheapest minivans to insure

If you're considering upgrading to a family-friendly vehicle, you're probably shopping for a minivan. Despite their stodgy reputation, minivans come in handy when it comes to transporting kids. Plus, minivans are fairly inexpensive to insure. On average, a minivan will set you back $1,484 to insure each year, or about $742 for a standard six-month policy. Below are some popular vans and their corresponding insurance premiums.

6-Month Insurance Rates for Minivans

Minivan Make/ModelList PricePremiums
Chrysler Pacifica$26,995$749
Chrysler Town and Country$29,995$681
Dodge Grand Caravan$26,250$725
Honda Odyssey$30,090$653
Kia Sedona$27,000$710
Nissan Quest$26,580$765
Toyota Sienna$30,750$818

For more information regarding minivans, including insurance company rates, see here.

 

Cheapest sedans to insure

Sedans are among the lowest-priced vehicle types, but our data show insurance rates for sedans can be quite high. On average, a sedan is slightly more expensive than is a minivan or SUV to insure. Of the makes and models analyzed, the Chevy Cruze was the cheapest to insure, with an annual premium of $1,372.

6-Month Insurance Rates for Popular Sedans

Sedan Make/ModelList PricePremiums
Chevrolet Cruze$16,975$686
Honda Accord$23,570$711
Hyundai Elantra$16,950$723
Ford Fusion$22,215$722
Honda Civic$22,050$732
Hyundai Sonata$18,940$727
Nissan Sentra$16,990$733
Toyota Camry$23,495$739
Toyota Corolla$18,600$665
Nissan Altima$23,260$743

 

 

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Finding cheap car insurance after age 25: what to consider

Now that we've covered how your age impacts your premium, which vehicles are the cheapest to buy and insure, let's breakdown some quick ways to lower your premium.

Avoid collision claims

Accidents happen — but that doesn't mean you need to file a claim. Depending on the value of damage, you can pay more in increased insurance premiums than the out of pocket damage. For example, you live in Texas and damaged your vehicle while backing out of your driveway — no other vehicles involved. The out of pocket expenses are $1,400.

In 2018 in Texas, the average collision claim increased rates $801 per year. Because most insurance companies will increase your rates for three years after an accident (at minimum), you can expect that $801 to equate to $2,403 total. If you have a $500 deductible, the total expense of the accident is $2,903. If you had paid for the damage yourself, you could have saved $1,503. 

If you're unsure on whether or not to file a claim or just want more information, see here.

Drop your coverage after 10 years of ownership

If your vehicle is 10 years or older or worth less than $4,000, consider dropping your collision coverage. This coverage is designed to protect the physical integrity of your vehicle, but if it isn't worth much you could be paying for coverage you do not need. You can determine the value of your vehicle by using Kelley Blue Book. If it's determined you do not need your collision coverage, considering keeping your uninsured/underinsured motorist coverage. This will cover any property damage done to your vehicle after an accident with an uninsured driver — for example a hit and run. Furthermore, you should also keep your comprehensive coverage to prevent weather, animal, and theft-related damage to your vehicle.

Bundle policies when possible

If you own a home or are renting, you can save money on your auto insurance by bundling your policies. 

Double check for discounts

Many discounts will be automatically added to your policy based on the VIN of your vehicle or your driving history. However, there are some you need to look or apply for in order to qualify. Below are some highlights.

Participate in telematics programs

Telematics, or usage-based insurance providers, use the way you drive in order to determine your premium. Here, your driving habits can earn you a discount on your premium. By avoiding harsh braking, high acceleration speeds, and late-night drives, you can save on your auto insurance policy. Below are the advertised savings by insurance company.

Company
Estimated Savings
Progressive SnapShot
Average of $130
Allstate Drivewise
Average of 10-25%
State Farm Drive Safe & Save
Up to 15%
Esurance DriveSense
Varies
Nationwide SmartRide
Up to 40%
Liberty Mutual RightTrack
Average of 5-30%
Root Car Insurance
Varies
Metromile
Varies

Learn more about usage-based insurance.

 

Shop around

The absolute best thing you can do is shop around. Although your rate does decrease after you turn 25, only one company will offer you the lowest rate. Enter your information below to see comparison quotes from local and national insurance companies based on your driving record, vehicle, and age.

 

Find a policy today!

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