Car insurance rates are based on a variety of factors with age being one of the most important factors. After all, teen drivers between the ages of 16 and 19 are nearly three times as likely as drivers who are 20 or older to be in a fatal crash, according to the CDC.

The car insurance average cost for people younger than 25 is typically quite high. Teens and young drivers are largely inexperienced behind the wheel and are more prone to accidents, which makes them a high risk to auto insurance providers. Higher risk equals higher rates.

The editors at CarInsurance.com have broken down the car insurance average cost from age 16 to age 75 in every state. Here’s what you can expect to pay for auto insurance at every age.

California Car Insurance Rates by ZIP Code

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State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
94404 Foster City
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$46
highest rate Highest Rate $68/mo.
lowest rate Lowest Rate $27/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
MOST EXPENSIVE PER MONTH
90212 - Beverly Hills: $87
90210 - Beverly Hills: $87
91356 - Tarzana: $85
91203 - Glendale: $85
LEAST EXPENSIVE PER MONTH
96094 - Weed: $35
95528 - Carlotta: $36
96027 - Etna: $36
96107 - Coleville: $36
Key Highlights
  • The most expensive driver to insure? A 16-year-old.
  • Rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again at age 70.
  • Rates for teens are quite high, but they start to decrease as soon as a driver turns 20.
  • A “safe” or “good” driver discount nets savings of 25% on average.

Average car insurance rates by age, with chart

In the charts below, you’ll see the average car insurance rates by age for the following coverage sets:

  • State minimum: The legally-mandated minimum insurance requirement to drive a car legally in your state.
  • Liability car insurance: $50,000 limit to cover bodily injury you cause to others in an accident, up to $100,000 per accident with $50,000 to pay for damage you cause to another car or property.
  • Full coverage: Liability with a $100,000 limit to cover bodily injury you cause to others in an accident, up to $300,000 per accident, with $100,000 to pay for damage you cause to another car or property, plus comprehensive and collision insurance, with a $500 deductible.

Average car insurance cost by age

As you’ll see in the chart below, the average car insurance is cheapest for drivers in their 40s, 50s and 60s. The average car insurance cost for teens is high but decreases when they turn 20.

Average car insurance rates by age
Age Non-Owner State Minimum State Minimum 50/100/50 100/300/100
16$1,381$2,402$2,883$7,203
17$1,162$1,971$2,367$5,924
18$1,034$1,706$2,058$5,242
19$744$1,234$1,482$3,874
20$686$1,109$1,333$3,532
21$569$884$1,066$2,864
22$519$794$961$2,593
23$494$736$893$2,415
24$473$690$840$2,267
25$436$609$747$2,010
30$398$539$669$1,785
35$391$528$657$1,730
40$385$520$649$1,682
45$381$512$641$1,647
50$372$496$623$1,581
55$364$482$605$1,528
60$364$482$605$1,511
65$378$507$635$1,555
70$408$554$689$1,661
75$443$619$765$1,817
Average car insurance rates by age chart

Average car insurance cost by age, early 20s

When you hit your 20s, your rates start to drop, but you’ll still pay more than most drivers until you reach age 26. Below, charts show the average car insurance cost by age for several common coverage sets when your teen years are in the rearview mirror.

Average car insurance cost for 20-year-olds

For a 20-year-old male, the cost is $1,159 per year and for a female driver, the same policy could cost an average of about $1,058 per year for the state minimum policy. Here’s a breakdown of insurance rates for various coverage levels:

AgeCoverage LevelFemalesMales
20Non-Owner State Minimum Liability Only$670$702
20State Minimum Liability Only$1,058$1,159
2050/100/50 Liability Only$1,277$1,390
20100/300/100 Liability with $500 Comp/Coll Deductible$3,305$3,759

Average car insurance cost for 21-year-olds

For a 21-year-old male, the average cost is $917 per year and for a female driver, the same policy could cost about $850 per year for the state minimum policy. See the chart below for a breakdown of insurance rates for various coverage levels:

AgeCoverage LevelFemalesMales
21Non-Owner State Minimum Liability Only$557$582
21State Minimum Liability Only$850$917
2150/100/50 Liability Only$1,029$1,103
21100/300/100 Liability with $500 Comp/Coll Deductible$2,702$3,026

Average car insurance cost by age for 22-year-olds, with chart

For a 22-year-old male, the average cost is $819 per year and for a female driver, the same policy could cost about $769 per year for the state minimum policy.

AgeCoverage LevelFemalesMales
22Non-Owner State Minimum Liability Only$511$528
22State Minimum Liability Only$769$819
2250/100/50 Liability Only$935$988
22100/300/100 Liability with $500 Comp/Coll Deductible$2,466$2,720

Average car insurance cost for 23-year-olds

For a 23-year-old male, the average cost is $755 per year and for a female driver, the same policy could cost about $717 per year for the state minimum policy. See the chart below for a breakdown of insurance rates for various coverage levels:

AgeCoverage LevelFemalesMales
23Non-Owner State Minimum Liability Only$488$500
23State Minimum Liability Only$717$755
2350/100/50 Liability Only$873$914
23100/300/100 Liability with $500 Comp/Coll Deductible$2,311$2,520

Average car insurance cost by age for 24-year-olds, with chart

For a 24-year-old male, the average cost is $705 per year and for a female driver, the same policy could cost about $676 per year for the state minimum policy. Here’s a breakdown of insurance rates for various coverage levels:

AgeCoverage LevelFemalesMales
24Non-Owner State Minimum Liability Only$469$477
24State Minimum Liability Only$676$705
2450/100/50 Liability Only$826$855
24100/300/100 Liability with $500 Comp/Coll Deductible$2,180$2,355

Average car insurance cost for 25-year-olds

The cost between a female and male nearly equalizes at age 25 at $612 per year for males and $605 per year for the state minimum policy for females. Here’s a breakdown of insurance rates for various coverage levels:

AgeCoverage LevelFemalesMales
25Non-Owner State Minimum Liability Only$439$432
25State Minimum Liability Only$605$612
2550/100/50 Liability Only$744$749
25100/300/100 Liability with $500 Comp/Coll Deductible$1,956$2,063

What is the car insurance cost for teens?

Teenagers typically have the highest insurance cost of any age group at $2,402  for the state minimum coverage for a 16-year-old to $7,203 for 100/300/100 liability coverage with $500 comprehensive/collision deductible, according to 2022 data.

Tip iconTeen car insurance articles by age

To see more details on average car insurance rates for teens, see the following articles.

In the below articles featuring rates by age, state and gender:

Car insurance average cost by age and state

Refer to the chart below to see average car insurance costs by age and state for full coverage. Enter your state in the search box to see what you can expect to pay.

Average car insurance costs by age for full coverage in Alaska

Select your state below to see the average auto insurance rates by age for a full coverage policy

Show Graph View
Age Average Premium
16 $5,566
17 $4,453
18 $3,879
19 $3,137
20 $2,881
21 $2,230
22 $2,026
23 $1,876
24 $1,777
25 $1,558
30 $1,427
35 $1,382
40 $1,354
45 $1,327
50 $1,254
55 $1,211
60 $1,181
65 $1,280
70 $1,354
75 $1,489

Factors that affect the average car insurance cost

Age is just one factor that car insurance companies assess when deciding how much you pay. Gender is another, although some states don’t allow gender to be used as a factor for calculating rates — California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.

Other factors that affect car insurance rates include:

  • Where you live
  • The car model you drive
  • Marital status
  • Your driving record
  • Your credit history
  • Your annual mileage

Each rating factor, along with the type of coverage you choose, deductibles and discounts, influences the rate you’ll pay for your car insurance policy.

Whatever age and whether male or female, you can save hundreds of dollars if you compare car insurance companies and find the one that offers the best rates for you. Our guide to the best cheap car insurance for seniors shows how much drivers aged 65, 75 and 85 can save.

Car insurance discounts by age

Regardless of your age, you can trim costs by qualifying for car insurance discounts that match your driver profile.

Auto/home bundle discounts earned a 13% savings, on average, and for younger drivers, student-away discounts save 16%, on average. A good student discount saves drivers an average of 14% and a discount for being married is 8%.

Senior drivers can also cut their costs. Drivers over 65 who complete a senior driving training course can save an average of 4%.

Resources & Methodology

Source

Centers for Disease Control & Prevention. “Teen Drivers.” Accessed May 2022.

Methodology

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2022 Honda Accord LX at several coverage levels for a driver with a clean driving record in all ZIP codes in each state.

– Michelle Megna contributed to this story.

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.