Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: May 12, 2022

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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 under 25-year-old males? How much is auto insurance for a 23-year-old? Rates are usually expensive, making it hard to find the cheapest car insurance for under 25-year-old drivers. 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 liability auto insurance rates to increase. Getting cheap auto insurance under 25 is possible if they follow some of these useful tips to find the best car insurance for males under 25.

Read more to learn what to do and what not to do when a 25 and under male is looking for the cheapest auto insurance premium for a 21-year-old male.

If you want to find the best auto insurance for male drivers under 25, enter your ZIP code in our free tool above to get auto insurance rates for 25-year-old males.

Who has the best auto insurance rates for males under 25?

So how much is auto insurance for males under 25? What are the average auto insurance costs for a 23-year-old male? We partnered with Quadrant to show you the average rates for auto insurance for 25-year-old males. For drivers under 25, car insurance can be pricey. 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
American Family$8,130.50$2,694.72
Liberty Mutual$13,718.69$4,503.13
State Farm$7,324.34$2,554.56
Average Rate $9,027.64$2,889.27
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If you are under 25, cheap car insurance can be found by shopping around for the best rates. 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 auto insurance quotes because each carrier will give you a different rate based on their risk criteria. If you want to find the best auto insurance for 23-year-old males in your area, use our free toolbox below.

Which auto insurance companies have the cheapest car insurance for under 25 males?

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 auto insurance rates for college students and 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, Progressive is considered to be one of the best-priced providers.

GEICO is yet another entertaining auto 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 for an insurance policy.

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Why do male drivers under 25 have higher insurance 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, auto insurance rates go down after the age of 25.

The best advice that can be made for young male drivers to get the lowest insurance premiums 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 car.

Getting a driver’s license is a rite 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 and taking a defensive driving course if you have had any traffic tickets.

At what age does car insurance go down?

Age is one of the most important factors in determining your car insurance rate. This may seem unfair because there are good drivers in every age group, but younger drivers are generally more likely to have accidents or take risks on the road. Experienced drivers are less likely to have accident claims, which means they’ll usually get cheaper car insurance rates.

The average premium per male driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins to trend upward.  From the ages of 21 to 25, female drivers’ rates gradually drop by nearly 25%, according to studies.

How can male drivers under 25 save on insurance rates?

Except for Iowa, every state in the country on average has higher auto 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 insurer. Twice as many men have speeding tickets and DUIs 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 insurers are mindful of, and they will adjust their premiums 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 auto 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 have decided to forgo a college career after high school.

Regardless, your auto insurance premiums while in your teens and early 20s are not cheap compared to a male driver over age 30. Hopefully, if you have been driving since age 16, your driving record is clean.

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The Bottom Line

Whether you are shopping with insurers for cheap car insurance for 25-year-old males, shopping is the best way to compare multiple quotes to find premiums and coverage that suit your needs.

While rates vary from state to state, the national average annual cost of car insurance for a 25-year-old is around $1,957.

If you’re ready to buy the best auto insurance for a 25-year-old male take the time to compare auto insurance rates. To get started on finding the best auto insurance rates for male drivers under 25 in your area, enter your ZIP code below.