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Q

What is the average car insurance for males and females from ages 18-25 married and single?


A

Car insurance for those 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 your spouse and you 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 the averages since 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 your car insurance base rate and thus has a serious impact on what you pay for an auto 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 to purchase your auto insurance policy with.  For this reason, it’s a must to compare car insurance companies and hook up with the one that offers the best rates for your particular set of rating factors. 

More articles from Penny Gusner


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21 Responses to "What is the average car insurance for males and females from ages 18-25 married and single?"
  1. Mallary

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

      Reply»  
  2. Zjonni

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

      Reply»  
  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.

      Reply»  
  4. Visitor

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

      Reply»  
  5. Visitor

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

      Reply»  
  6. Visitor

    Thanks, this website is very helpful!

      Reply»  
  7. Visitor

    Need prices.

      Reply»  
  8. Visitor

    I agree there should be prices.

      Reply»  
  9. Visitor

    I would like it to state some prices!

      Reply»  
  10. Visitor

    Great information. Thanks!

      Reply»  
  11. Anonymous

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

      Reply»  
  12. Anonymous

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

      Reply»  
  13. Anonymous

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

      Reply»  
  14. Anonymous

    Everyone knows women are a liability regarding drvivng!

      Reply»  
  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!!

      Reply»  
  16. Anonymous

    go car insurance

      Reply»  
  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.

      Reply»  
  18. Anonymous

    IT WAS TOTALLY AWSOME

      Reply»  
  19. Anonymous

    cool stuff!

      Reply»  
  20. Anonymous

    Very informative

      Reply»  
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