I’ve heard that (U.S.) car insurance is supposed to drop substantially at age 25 for single males. Does anyone know what a typical drop might be in percentage terms?
FTR, my driving record is clean. (Thanks, online defensive driving class!)
My parents have also told me this a few times with regards UK car insurance.
This certainly is the case in Australia. Drivers aged under 25 get hefty loadings on their premiums due to the higher incidence of accidents among younger drivers. So when you reach age 25, this loading is removed and your premiums drop accordingly.
I don’t know what the price differential is in the US. Why don’t you try the websites of some of the major insurers and get some pre-25/post-25 quotes and compare the differences?
Well, I’m a single female, and my insurance dropped $40 a month when I turned 25. That was approximately…25-30%.
Things are different with every company, and different for women.
Call your insurance company. They’ll tell you.
As far as I know most US companies don’t charge women under 25 any less than the men any more, but I do know that mine dropped noticeably after that birthday. Somebody told me it should go down again a bit at 29, but I haven’t seen any evidence of that.
It’ll drop more once I lower my coverage when my car is paid off next month. 
The drop within my company is about 35%
Hope this helps
I’ve seen drops between 15-50%. I am no longer working in insurance so I can’t get you exact figures. FTR, this was in Canada.
With at least one insurance company, the young man in question also has to have been licensed to drive for 6 years. My son got his license late and didn’t have his 6 years in at 25, and so had to wait another two years for the drop.
Ours dropped a bit when we hit 25, maybe $10-15 a month.
It also dropped for Mr. Carmichael when he married me at age 21, about $30 a month. 
Nationwide, in case you’re wondering.
My insurance bill was cut exactly in half when I turned 25.
When I turned 25, my monthly payment went from around $100 to around $65.
Now I have a spiffier car, and it’s back to $100.
I had 1 ticket that expired at about the same time I turned 25. Insurance dropped 50% within 2 months of my birthday (my insurance is renewed monthly) with another drop of about 25% after that last ticket expired (maybe 4 months later).
It recently went back up but it had nothing to do with my record (my car changed in class from station wagon to sport car) so that drop is only about 50% from my pre-25 days.
At least my days of paying $330 a month (sporty brand new car + 24 year old = insurance robbery) are all but over. I pay $160 a month CAN with full coverage.
When I hit 25, the drop was so little that I was disappointed and can’t for the life of me remember it. That would have been for a Honda Civic, latest model, full coverage in a no-fault state. When I traded it in for a full-size, same age, almost loaded, Pontiac Bonneville, my insurance dropped by more than half. You see, they’re easier and much cheaper to repair, don’t get stolen as often, and safer. And on top of all of that, it was just a funner, much better car (to be fair, though, a Bonny is out of a Civic’s league; nothing at all wrong with a non-riced-out Civic).
When I got married, there was no drop. They specifically told me that when I called to let them know I was married hoping my insurance would drop!
If you’re going to be a “payment shopper” (against all expert advice), don’t forget to factor insurance into the equation. You may be able to get a better, bigger car for the same price as a smaller car due to the insurance advantages.
My insurance dropped from around $240 to around $170 when I recently hit the 25 year mark. And that’s on a Honda Civic! The reason it’s so high is I’ve only had a U.S. license for under a year. My South African license didn’t count, whic is perhaps a good thing, since my record wasn’t exactly claims-free 
I’m an insurance agent in NY State. I remember when rates used to drop at age 25. Now the rate is lowered after being licensed 3 years. You could be 40 years old, but if you haven’t been licensed at least 3 years, you’re surcharged.
They actually sent me a check on my birthday - $88 bucks, baby! I have a fairly new car and live in a very high-insurance state - I was paying almost $800 every six months before, and now I pay about $600. I never thought the car insurance people let money out of their hands once it got there, but lo! and behold.
I had an accident when I was 24. My insurance went up briefly. Then I turned 25 and my insurance rate dropped below the raised rate after the accident.
Thanks for everyone’s replies. It sounds like a drop of 25-33% is fairly typical.
I probably should have posed this question in IMHO instead of GQ. Moderators, feel free to close this thread or move it at your discretion.
I had no drop at all when I hit 25. Maybe because I only got insurance for the first time when I was 21?