Best Car Insurance For Under 25 Males

Finding the best car insurance for under 25 male drivers isn't always easy. The average rate for drivers ages 17 to 25 is $5,958/yr, or $496 a month. The best way to save on car insurance for males under 25 is to shop around at insurers for the cheapest 25-year-old male driver rates, keep a clean driving record, and apply for discounts.

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Best Car Insurance For Under 25 Males

Finding the best car insurance for under 25 male drivers isn't always easy. The average rate for drivers ages 17 to 25 is $5,958/yr, or $496 a month. The best way to save on car insurance for males under 25 is to shop around at insurers for the cheapest 25-year-old male driver rates, keep a clean driving record, and apply for discounts.

Marissa Hayes is a technical editor and contributing writer for Insurantly.com. She holds a Bachelor’s Degree in history, and she was the editor of the literary...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance...

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Reviewed byDaniel Walker
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UPDATED: Oct 22, 2020

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The Short of It:

  • Young male drivers have the highest insurance rates in every state, making it harder to find the best car insurance for under 25 male drivers.
  • Male drivers under 25 are shown to get into accidents more frequently and participate in risk-taking driving activities.
  • Shopping around for rates and practicing safe driving habits can help male drivers under 25 save on insurance rates.

How much is car insurance for a 25-year-old male? Rates are usually expensive, making it hard to find the cheapest car insurance for 21-year-old males. In a driver’s manual, it says that driving is a privilege, not a right. Sadly, many young male drivers forsake that privilege and end up being labeled as high-risk drivers. Having a history of bad driving can come with steep fines and even the loss of a driver’s license.

Most of all, it can cause someone’s car insurance rates to increase. Cheap auto insurance for male drivers under 25 is possible if they follow some of these useful tips to find the best car insurance for under 25 males.

Below are some examples Insurantly put together of what to do and what not to do when a 25 and under male is looking for the cheapest car insurance. If you want to find the best car insurance for male drivers under 25, enter your ZIP code in our free tool above to get car insurance quotes.

Best Car Insurance Rates for Males Under 25

So how much is car insurance for males under 25? We partnered with Quadrant to show you the average rates for car insurance for 25-year-old males. Take a look at the table below.

Average Annual Car Insurance Rates for Males Under 25
CompanySingle 17-Year-Old MaleSingle 25-Year-Old Male
Allstate$10,642.53$3,570.93
American Family$8,130.50$2,694.72
Farmers$9,144.04$3,041.44
GEICO$6,278.96$2,262.87
Liberty Mutual$13,718.69$4,503.13
Nationwide$7,175.31$2,889.04
Progressive$9,625.49$2,758.66
State Farm$7,324.34$2,554.56
Travelers$12,850.91$2,491.21
USAA$5,385.61$2,126.14
Average Rate$9,027.64$2,889.27
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If you are a young driver, it is vital that you shop around to find cheap car insurance for under 25 males. Joining a parent’s policy will save young drivers a significant amount. But, if you are getting pressure to get off your parents’ policy and buy your own, you need to know that it’s going to cost you.

Your best bet is to get multiple car insurance quotes because each carrier will give you a different rate based on their risk criteria. If you want to find the best car insurance for 25-year-old males in your area, use our free toolbox below.

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Which car insurance companies have the cheapest rates?

Unless you have multiple speeding tickets, DUIs, multiple car accidents, and claims you might be surprised that some of the most well-known companies have the cheapest car insurance rates for males under 25.

Allstate has been around for a long time and provides multiple resources for young drivers. You might want to read Insurantly’s review and comparison to learn more.

As one of the most entertaining insurance companies with its “Flo” character, Progressive is rated high for being flexible. They want everyone to be their customer and have great customer satisfaction ratings. In fact, they are considered to be one of the best-priced providers.

Geico is yet another entertaining car insurance company. They too have great customer service ratings and are very competitive, providing some of the cheapest quotes in the industry.

You might want to check The General out as well to round off your comparison. Their niche is high-risk drivers. If you’re male and under 25, they might be your best option.

Why Male Drivers Under 25 Have Higher Rates

Young drivers are inexperienced and easily distracted. These distractions can come from friends riding in your vehicle, making phone calls, and texting while driving.

As males go through these learning periods, they mature and are less prone to poor judgment while operating a motor vehicle. As a result, car insurance rates go down after the age of 25.

The best advice that can be made for young male drivers to get the best insurance for 25-year-old males is to practice common sense behind the wheel. Avoid driving with alcohol in the vehicle, don’t drive while intoxicated, always wear a seat belt, and avoid any cell/smartphone usage while driving any automobile.

Getting a driver’s license is a right of passage for young people everywhere. Sadly, many of them squander this opportunity by being reckless behind the wheel. Nothing good will ever come from poor driving habits.

Starting good driving habits early is an easy way to ensure you develop into a safe driver. As a male under the age of 25-years-old, your auto insurance rates will not be cheap, but you can avoid unnecessary rate hikes by being smart while driving your vehicle.

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How Male Drivers Under 25 Can Save on Insurance Rates

With the exception of Iowa, every state in the country on average has higher car insurance rates for men. This is because women are seen as being more sensible drivers. They are less likely to have any serious driving offenses and drive more sensible cars.

Since women drive less expensive cars than men on average, the cars they drive present less financial liability to an insurance company. Twice as many men have speeding tickets and DUI’s on their records than women. A study by the Insurance Institute for Highway Safety (IIHS) found that twice as many men than women die in car crashes every year. The IIHS says this is due to men’s risk-taking behavior, such as speeding, not wearing seatbelts, and driving while drunk.

As far as driving statistics go, they are not on the side of men. That is something insurance companies are mindful of, and they will adjust their rates and policies accordingly.

With this in mind, the best thing for a young male driver to do is to set a good example. Driving safely will reduce the likelihood of getting multiple speeding tickets and other traffic violations. Driving safely includes avoiding texting or making phone calls while driving, not driving drunk, and always wearing a seat belt.

Some insurance companies (like Allstate, Farmers, and State Farm) offer safe driver discounts and good student discounts. If you are a male under 25 years old, these are good ways to obtain cheap car insurance for young drivers.

You are just about a grown man but most likely still have a lot to learn about responsibility. Perhaps you are still in college or high school, or you decided to forgo a college career after high school. Regardless, your auto insurance is not cheap compared to a male driver over age 30. Hopefully, if you have been driving since age 16, your driving record is clean.

Whether you are shopping for cheap insurance for 24-year-olds or the best car insurance for a 23-year-old male, shopping is the best way to compare multiple quotes to find a payment and coverage that suits your needs. To get started on finding the best car insurance rates for male drivers under 25 in your area, use our free tool below.

References 

  1. https://www.iihs.org/topics/fatality-statistics/detail/gender
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