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Average car insurance rates by age 16 to 26


Car insurance for people under 25 years of age is typically quite high. Teens and young drivers are inexperienced behind the wheel and statistics show they, as a class in whole, are likely to be in an accident, which makes them a high risk to auto insurance providers. High risk equals high rates.

Males of this age typically pay a little more than their female counterparts because they are found to be more aggressive when operating a car, which can lead to more accidents. In general, if you are married your rates will be a little less than if you are single – if you and your spouse have good driving records. If one spouse has tickets and/or accidents on his or her record, then rates could instead rise.

We analyzed more than 260,000 rate quotes from over a two-year period to find these average rate amounts for men and women ages 16 to 26. It includes drivers both married and single.

Age Women Men All drivers
16 $3,689 $4,287 $4,075
17 $3,399 $3,682 $3,564
18 $3,003 $3,305 $3,165
19 $2,371 $2,627 $2,502
20 $2,260 $2,502 $2,381
21 $2,014 $2,239 $2,124
22 $1,897 $2,033 $1,964
23 $1,791 $1,857 $1,823
24 $1,713 $1,790 $1,749
25 $1,616 $1,593 $1,605
26 $1,604 $1,550 $1,578

Average car insurance rates may be interesting to review as an indicator of what other drivers pay for coverage, but they’re not a real predictor of what your own annual auto insurance premiums will be. There is little chance that your rates will be the same as these averages. Your own personal information is used to calculate your premium amount.

No one else has your unique combination of age, geographical location, vehicle, marital status, driving record, annual mileage and credit history. Each of these rating factors, along with type of coverage you choose and with what limits, influences the rate you'll pay for your car insurance policy.

And don't forget that what car insurance company you choose makes a difference in the car insurance rates you'll be offered.

Whatever age and whether male or female, you can save hundreds, if not thousands, of dollars depending upon the insurer you chose. For this reason, it’s a must to compare car insurance companies and find the one that offers the best rates for your particular set of rating factors.


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21 Responses to "Average car insurance rates by age 16 to 26"
  1. Mallary

    This helped me with an Algebra 2 project! Thanks so much! Great info.

  2. Zjonni

    This is pretty helpful for if you are just starting out shopping for car insurance :) Thanks, Penny for the great estimate!

  3. Visitor

    Thanks! Helpful because this was the only site I've found that has a specific average listed. And I've been looking around everywhere for this information.

  4. Visitor

    The only site I found that gave a specific average cost. Thanks!

  5. Visitor

    Give me a chart with the actual prices of all car insurance place in dollars NOT percentages.

  6. Visitor

    Thanks, this website is very helpful!

  7. Visitor

    Need prices.

  8. Visitor

    I agree there should be prices.

  9. Visitor

    I would like it to state some prices!

  10. Visitor

    Great information. Thanks!

  11. Anonymous

    Having an insurance calculator that actually calculated your average insurance rate using general questions as points of reference would be nice.

  12. Anonymous

    It can sometimes be very difficult to define the amount of coverage a person needs to be protected from accidents.

  13. Anonymous

    quite helpful...... :) i like chicken nuggets

  14. Anonymous

    Everyone knows women are a liability regarding drvivng!

  15. Anonymous

    I have recently had 5 car accidents and no severe injuries but carinsurance.com has helped me through everything! I am so pleased!!

  16. Anonymous

    go car insurance

  17. Anonymous

    Well it is not you alls fault. The statement about males being more aggressive behind the wheel is completely false. Every female I know have heavy feet, and so does everyone knows this is true. They also almost all of the time let go of the wheel immediately when something goes wrong.

  18. Anonymous


  19. Anonymous

    cool stuff!

  20. Anonymous

    Very informative

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