How Much Is Car Insurance For A 28-Year-Old? 2025 Rates

As a former licensed property and casualty insurance agent, I’ve helped many people navigate through the sometimes complex and confusing landscape of auto insurance.

In this article, we will be exploring the average costs of car insurance for 28-year-old drivers, breaking down the various factors that affect those costs and offering insights into how you might be able to reduce them.

A good understanding of the cost of car insurance for a 28-year-old is important, since it may significantly affect your pocketbook. It’s equally important for you to realize that insurance premiums aren’t all the same. They’re based on several factors such as driving history, gender, and coverage type.

The marked difference between minimum and full coverage auto insurance rates highlights the value of understanding what you’re paying for. Minimum coverage may seem appealing because of its lower cost, but it could leave you financially vulnerable in some situations.

Full coverage, on the other hand, gives you comprehensive protection that includes collision and comprehensive policy coverage, while protecting you against theft, vandalism, and damage from natural disasters such as tornadoes or fire.

There are numerous ways to reduce your car insurance costs. For example, you can substantially lower your rates by maintaining a clean driving record and taking advantage of discounts offered by many insurers. Shopping around and comparing rates from multiple auto insurers can help get you the best premiums also.

Average Cost Of Car Insurance For A 28-Year-Old – By Gender

When you have a clear understanding of the factors that go into auto insurance rates, you can look around for the best premiums with the knowledge you need to get the very best policy for your needs, at the best price. There are diverse factors that can affect rates, and one of the primary determinants is gender.

Average car insurance rates will ordinarily vary between the genders due to the way insurance providers see risk factors of males and females. Let’s take a look at the costs of vehicle insurance for a 28 year old male, along with a 28 year old female driver.

As you can see in the table shown above, the cost of car insurance for a 28 year-old driver varies by gender, although the difference is less significant than that of younger drivers. Males usually face higher auto insurance premiums because they are statistically more likely to practice risky driving behaviors, but the gap between genders narrows as drivers age.

General Statistics For Drivers In Their 20s:

Involvement in Accidents: Drivers in their 20s,which includes 28 year-olds, traditionally have higher accident rates than the older age groups, though their risk is typically lower than that of teenage drivers. This particular age group is generally more.experienced than teenage drivers. but may still engage in risky behaviors such as distracted driving or speeding.

Fatal Crash Rates: The rate of fatal crashes will usually decrease after the early 20s but is still considerably higher than for drivers in their 30s or 40s. In 2020, drivers aged 25–34 had the second highest number of fatal crashes per capita, just behind the youngest drivers (ages 16–24).

Common Causes:

• Distracted Driving: Drivers in their late 20s are still quite susceptible to distractions, especially from cell phones.
• Speeding: Speeding is a common factor in accidents for drivers in their 20s.
• Impaired Driving: Alcohol or drug impaired driving remains a significant risk factor for people in their 20s, though the incidence decreases compared to younger drivers.
• Gender Differences: Statistically, male drivers, which includes those aged 28, are more likely to be involved in accidents than female counterparts.
• Insurance Data: Many insurance companies categorize drivers under the age of 30 as higher risk, which results in higher premiums for this age group overall.

Average Cost Of Car Insurance For A 28 Year Old – By State

Car insurance rates can vary broadly. Factors such as the state where you live can affect your rates notably. Based on intensive research from miscellaneous sources, I’ve assembled a comprehensive comparison chart that shows the average auto insurance premiums for a 28-year-old by state.

Factors Influencing Higher Rates In D.C.:

1. Crime Rates: Vehicle theft as well as vandalism rates are higher in urban areas, impacting car insurance premiums.
2. Population Density: D.C. has high traffic and congestion, both of which lead to an increased likelihood of accidents.
3. Uninsured Drivers: A higher proportion of uninsured drivers in the area can also cause an increase in auto insurance premiums.

These figures are averages; actual costs may differ depending on various factors

Key Factors Affecting State-Specific Costs:

1. Weather and Natural Disasters: States that are subject to extreme weather events like hurricanes in Florida and Texas might have higher rates for full coverage due to the potential for damage to vehicles.
2. Uninsured Drivers: States that have more uninsured drivers such as Michigan and Florida tend to have higher auto insurance rates.
3. State Regulations: Vehicle insurance requirements vary from one state to another, which has an effect on rates.
4. Population Density: States with higher urban populations like New York and  California typically have higher rates caused by an increased risk of claims and accidents.

Average Cost Of Car Insurance For A 28 Year Old – By Credit Score

While precise car insurance rates based on credit scores aren’t generally published by car insurance companies, it’s widely acknowledged that credit scores affect premiums. A lower credit score might translate to a higher rate, and vice versa–a high credit score may net you a low rate. According to Forbes, average car insurance premiums may go up as much as 76% based on credit scores.

Auto insurance rates for a 28-year-old may vary based on credit score in a lot of states, since insurance providers frequently use credit scores in risk assessment. The table below shows a breakdown of the average annual full coverage auto insurance rates for a 28 year-old driver based on credit score:

States Where Credit Score Cannot Be Used To Set Rates:

• Hawaii
• Massachusetts
• California

These 3 states do not allow credit scores to impact vehicle insurance rates, meaning that drivers with poor credit may be able to find more affordable coverage.

Cheapest Car Insurance Companies For A 28 Year Old

When you’re in the market for the best and also lowest priced car insurance for a 28-year-old, you’ll quickly discover that a lot of companies are leaders in the industry with comprehensive coverage and rates priced to be competitive with similar coverage. It’s important to balance the cost of a policy with the quality of coverage if you want to be protected while on the road.

Your rate will be based on various factors, including the type of vehicle you drive, your driving history, and your credit score, also, in quite a few states.

Average Cost Of Car Insurance For A 28 Year Old – By Vehicle

Factors That Influence Insurance Costs by Vehicle:

1. Cost of Repairs: Expensive cars or cars with parts that are harder to find are ordinarily more expensive to insure.
2. Performance: Sports cars are classified as high performance vehicles and consequently have higher insurance rates due to increased likelihood of speeding and accidents.
3. Vehicle Safety Rating: Cars with higher safety ratings are usually cheaper to insure because of a lower risk of injury if involved in an accident.
4. Likelihood of Theft: Some cars, including luxury or sports cars, tend to be more frequently stolen, so they will have higher auto insurance premiums.

Average Cost Of Car Insurance – By Age

As you can see below, younger drivers pay considerably higher auto insurance premiums than older, more experienced drivers. As drivers age and become more experienced, rates usually go down until they reach their lowest point which is during middle age.

As drivers reach senior age, rates start to increase again, a reflection of increased risk that is associated with this older group.

Statistically, 28 year-old drivers tend to have more car accidents than older drivers. The higher risk may be due to a combination of insufficient driving skill development, risk-taking driving behaviors, and inexperience.Here are some statistics on car accidents that involve 28-year-old drivers:

Key Statistics On Car Accidents For 28-Year-Old Drivers:

Involvement in Crashes: Drivers in their late 20s are statistically more likely to be involved in accidents than the older age groups, although better than teenage drivers. Drivers in the 25–34 year old age bracket are involved in approximately 18% of all car accidents reported in the United States.

Distracted Driving: 28-year-olds are much more likely to have car crashes due to distracted driving. The National Highway Traffic Safety Administration (NHTSA) says that 9% of all fatal crashes of drivers 15-28 years old were related to distracted driving such as texting, and particularly mobile phone use.

Seat Belt Use: Young adults tend to use their seat belts less than older drivers, which is a contributor to fatal accidents.

Although 28 year-old drivers are a high risk group for car crashes, such things as the use of safety features, responsible behavior, and safe driving education can help to reduce their involvement in vehicle accidents.

How To Save Money On Your Car Insurance As A 28-Year-Old

As a 28-year-old, you’ll learn that car insurance can be costly. This is largely because of the perception of increased risk associated with drivers in a younger age group. That being said, there are some strategies you can employ to lower your car insurance rates and save money.

Here are 5 simple but effective strategies that can help you save money on auto insurance:

Maintain A Clean Driving Record

One of the most successful methods of lowering your car insurance rates is maintaining a clean driving history. Not getting traffic citations, not using drugs or drinking and driving, along with avoiding at-fault accidents, are all factors that will help reduce your auto insurance rates.

Insurance providers will almost always offer discounts to drivers who have no record of filing claims, too, because they’re considered lower risk.

Take Advantage Of Multi-Car Discounts

If you have multiple vehicles or live with someone who does, you may consider looking into multi-car discounts. Many car insurance companies give discounts to policyholders who insure multiple vehicles under one policy.

Take A Defensive Driving Course

A defensive driving course might bring savings on your car insurance. This is beneficial in two ways: It helps hone your driving skills, plus gets you a discount on rates from the majority of insurance companies, since drivers who complete these courses are seen as lower risk for accidents.

Shop Around For The Best Rates

It’s smart to look around and compare premiums from various car insurance providers. Every company has its own formula it utilizes to calculate rates, meaning that prices can vary widely from one company to another. When you get multiple quotes, you’ll be sure of getting the best premiums available.

Regularly Review Your Coverage

As time goes on, your life will almost certainly go through changes, and it’s almost a given that your car insurance coverage will need to change, too. Make it a habit to review your policy a minimum of once a year, or any time you undergo a key life change such as moving to a new city, getting married, or starting a new job.

This will keep you from paying for coverage you don’t need anymore, as well as making sure you have the coverage you do need.

By practicing these simple but cost-effective strategies, you can lower your car insurance premiums and have more money in your pocket. Bear in mind that the key to saving money on car insurance is making the effort to be proactive and taking steps to show insurers you’re a good risk.