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With age comes wisdom, and lower car insurance rates, up to a point. This bears out when you look at average car insurance rates by age.

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 more likely to be in accident than other age groups, which makes them a high risk to auto insurance providers. High risk equals high rates.

As you'll see in the "Average car insurance rates by age" table below, in general, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again a bit at age 70. CarInsurance.com analyzed rates for 10 ZIP codes in each state for by age for three coverage levels. Here you see average car insurance rates by age for the following coverage sets:

  • State minimum -- what you need 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 rates by age chart

AgeState Minimum50/100/50100/300/100
16$2,661$3,036$7,279
17$2,208$2,520$6,119
18$1,910$2,172$5,399
19$1,346$1,525$3,873
20$1,175$1,329$3,454
21$916$1,035$2,737
22$836$942$2,503
23$772$868$2,321
24$724$813$2,179
25$657$737$1,957
30$599$670$1,763
35$594$664$1,739
40$593$663$1,720
45$569$636$1,638
50$552$617$1,569
55$536$598$1,519
60$535$598$1,507
65$555$622$1,547
70$594$665$1,626
75$674$758$1,808

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2019 Honda Accord LX for several coverage levels for nearly all ZIP codes in each state using six large carriers.

Average car insurance rates by age and gender for the 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 you’ll find average car insurance cost by age for several common coverage sets for the time when your teen years are in the rear-view mirror but much cheaper rates are still a bit further down the road.

How much is car insurance for a 20-year-old male and female?

Age 20 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$1,114$1,236
Liability Only - 50/100/50 BI/PD$1,258$1,399
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$3,198$3,710

How much is car insurance for a 21-year-old male and female?

Age 21 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$878$955
Liability Only - 50/100/50 BI/PD$990$1,080
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$2,556$2,919

How much is car insurance for a 22-year-old male and female?

Age 22 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$809$863
Liability Only - 50/100/50 BI/PD$811$972
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$2,364$2,642

How much is car insurance for a 23-year-old male and female?

Age 23 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$750$794
Liability Only - 50/100/50 BI/PD$843$894
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$2,207$2,436

How much is car insurance for a 24-year-old male and female?

Age 24 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$709$739
Liability Only - 50/100/50 BI/PD$795$830
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$2,085$2,273

How much is car insurance for a 25-year-old male and female?

Age 25 Average Rate Female Average Rate Male
Liability Only - State Minimum BI/PD$658$656
Liability Only - 50/100/50 BI/PD$738$737
Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision$1,924$1,989

Teen car insurance

To see more details on average car insurance rates for teens, see the following articles, featuring rates by age, state and gender:

Car Insurance for a 16 Year Old

Car Insurance for a 17 Year Old

Car Insurance for an 18 Year Old

Car Insurance for a 19 Year Old

Average car insurance rates 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.

State Age Average Annual Rate
Alaska16$5,274
Alaska17$4,676
Alaska18$4,180
Alaska19$3,416
Alaska20$3,110
Alaska21$2,584
Alaska22$2,344
Alaska23$2,134
Alaska24$2,013
Alaska25$1,824
Alaska30$1,533
Alaska35$1,494
Alaska40$1,466
Alaska45$1,401
Alaska50$1,320
Alaska55$1,279
Alaska60$1,275
Alaska65$1,378
Alaska70$1,466
Alaska75$1,625
Alabama16$7,945
Alabama17$6,776
Alabama18$5,975
Alabama19$3,872
Alabama20$3,511
Alabama21$2,571
Alabama22$2,361
Alabama23$2,192
Alabama24$2,052
Alabama25$1,898
Alabama30$1,724
Alabama35$1,697
Alabama40$1,684
Alabama45$1,595
Alabama50$1,534
Alabama55$1,469
Alabama60$1,439
Alabama65$1,468
Alabama70$1,543
Alabama75$1,734
Arkansas16$8,208
Arkansas17$7,583
Arkansas18$6,579
Arkansas19$4,073
Arkansas20$3,616
Arkansas21$2,645
Arkansas22$2,437
Arkansas23$2,249
Arkansas24$2,095
Arkansas25$1,872
Arkansas30$1,744
Arkansas35$1,711
Arkansas40$1,688
Arkansas45$1,614
Arkansas50$1,550
Arkansas55$1,513
Arkansas60$1,516
Arkansas65$1,580
Arkansas70$1,674
Arkansas75$1,915
Arizona16$8,178
Arizona17$7,103
Arizona18$6,403
Arizona19$4,110
Arizona20$3,722
Arizona21$2,683
Arizona22$2,479
Arizona23$2,294
Arizona24$2,161
Arizona25$1,989
Arizona30$1,791
Arizona35$1,777
Arizona40$1,774
Arizona45$1,718
Arizona50$1,659
Arizona55$1,590
Arizona60$1,577
Arizona65$1,652
Arizona70$1,725
Arizona75$1,951
California16$7,217
California17$6,750
California18$6,252
California19$4,605
California20$4,393
California21$3,661
California22$3,200
California23$3,005
California24$2,864
California25$2,511
California30$2,135
California35$2,032
California40$2,018
California45$1,844
California50$1,764
California55$1,678
California60$1,655
California65$1,640
California70$1,781
California75$1,925
Colorado16$9,182
Colorado17$7,627
Colorado18$6,836
Colorado19$4,259
Colorado20$3,740
Colorado21$2,819
Colorado22$2,604
Colorado23$2,439
Colorado24$2,313
Colorado25$2,158
Colorado30$1,973
Colorado35$1,944
Colorado40$1,952
Colorado45$1,926
Colorado50$1,848
Colorado55$1,765
Colorado60$1,737
Colorado65$1,764
Colorado70$1,816
Colorado75$1,960
Connecticut16$11,566
Connecticut17$9,072
Connecticut18$7,601
Connecticut19$5,197
Connecticut20$4,413
Connecticut21$3,333
Connecticut22$2,935
Connecticut23$2,649
Connecticut24$2,438
Connecticut25$2,179
Connecticut30$2,010
Connecticut35$1,996
Connecticut40$1,894
Connecticut45$1,815
Connecticut50$1,746
Connecticut55$1,702
Connecticut60$1,698
Connecticut65$1,746
Connecticut70$1,861
Connecticut75$2,158
DC16$9,428
DC17$7,862
DC18$7,077
DC19$4,681
DC20$4,139
DC21$3,464
DC22$3,178
DC23$2,913
DC24$2,635
DC25$2,433
DC30$2,187
DC35$2,166
DC40$2,138
DC45$2,031
DC50$1,967
DC55$1,910
DC60$1,923
DC65$1,986
DC70$2,082
DC75$2,337
Delaware16$11,660
Delaware17$9,168
Delaware18$7,583
Delaware19$5,062
Delaware20$4,489
Delaware21$3,132
Delaware22$2,829
Delaware23$2,582
Delaware24$2,371
Delaware25$2,136
Delaware30$1,959
Delaware35$1,953
Delaware40$1,940
Delaware45$1,916
Delaware50$1,816
Delaware55$1,758
Delaware60$1,736
Delaware65$1,798
Delaware70$1,888
Delaware75$2,145
Florida16$7,982
Florida17$7,632
Florida18$6,459
Florida19$4,485
Florida20$4,001
Florida21$3,342
Florida22$3,030
Florida23$2,797
Florida24$2,619
Florida25$2,399
Florida30$2,178
Florida35$2,170
Florida40$2,150
Florida45$2,053
Florida50$1,951
Florida55$1,887
Florida60$1,868
Florida65$1,917
Florida70$1,991
Florida75$2,243
Georgia16$8,130
Georgia17$6,953
Georgia18$5,779
Georgia19$4,110
Georgia20$3,639
Georgia21$3,042
Georgia22$2,786
Georgia23$2,566
Georgia24$2,384
Georgia25$2,145
Georgia30$1,873
Georgia35$1,937
Georgia40$1,911
Georgia45$1,723
Georgia50$1,645
Georgia55$1,616
Georgia60$1,606
Georgia65$1,662
Georgia70$1,760
Georgia75$2,014
Hawaii16$1,900
Hawaii17$1,751
Hawaii18$1,722
Hawaii19$1,613
Hawaii20$1,600
Hawaii21$1,589
Hawaii22$1,589
Hawaii23$1,589
Hawaii24$1,589
Hawaii25$1,589
Hawaii30$1,589
Hawaii35$1,589
Hawaii40$1,589
Hawaii45$1,589
Hawaii50$1,589
Hawaii55$1,589
Hawaii60$1,589
Hawaii65$1,589
Hawaii70$1,589
Hawaii75$1,589
Iowa16$5,889
Iowa17$4,348
Iowa18$3,831
Iowa19$2,865
Iowa20$2,546
Iowa21$1,965
Iowa22$1,805
Iowa23$1,682
Iowa24$1,575
Iowa25$1,502
Iowa30$1,360
Iowa35$1,330
Iowa40$1,302
Iowa45$1,252
Iowa50$1,193
Iowa55$1,137
Iowa60$1,114
Iowa65$1,133
Iowa70$1,187
Iowa75$1,308
Idaho16$6,366
Idaho17$5,489
Idaho18$4,979
Idaho19$2,974
Idaho20$2,663
Idaho21$2,038
Idaho22$1,897
Idaho23$1,713
Idaho24$1,609
Idaho25$1,475
Idaho30$1,269
Idaho35$1,247
Idaho40$1,234
Idaho45$1,167
Idaho50$1,118
Idaho55$1,075
Idaho60$1,057
Idaho65$1,122
Idaho70$1,171
Idaho75$1,386
Illinois16$6,607
Illinois17$5,792
Illinois18$5,096
Illinois19$3,637
Illinois20$3,244
Illinois21$2,351
Illinois22$2,176
Illinois23$2,022
Illinois24$1,922
Illinois25$1,684
Illinois30$1,531
Illinois35$1,497
Illinois40$1,461
Illinois45$1,351
Illinois50$1,315
Illinois55$1,278
Illinois60$1,269
Illinois65$1,303
Illinois70$1,360
Illinois75$1,521
Indiana16$6,103
Indiana17$5,116
Indiana18$4,405
Indiana19$3,022
Indiana20$2,659
Indiana21$2,057
Indiana22$1,880
Indiana23$1,725
Indiana24$1,604
Indiana25$1,381
Indiana30$1,270
Indiana35$1,244
Indiana40$1,231
Indiana45$1,185
Indiana50$1,130
Indiana55$1,077
Indiana60$1,067
Indiana65$1,074
Indiana70$1,142
Indiana75$1,281
Kansas16$6,736
Kansas17$5,858
Kansas18$5,156
Kansas19$3,563
Kansas20$3,198
Kansas21$2,454
Kansas22$2,273
Kansas23$2,097
Kansas24$1,972
Kansas25$1,874
Kansas30$1,669
Kansas35$1,640
Kansas40$1,615
Kansas45$1,555
Kansas50$1,490
Kansas55$1,431
Kansas60$1,400
Kansas65$1,438
Kansas70$1,466
Kansas75$1,671
Kentucky16$10,367
Kentucky17$8,756
Kentucky18$7,399
Kentucky19$5,343
Kentucky20$4,786
Kentucky21$3,750
Kentucky22$3,506
Kentucky23$3,217
Kentucky24$2,996
Kentucky25$2,663
Kentucky30$2,385
Kentucky35$2,372
Kentucky40$2,356
Kentucky45$2,252
Kentucky50$2,129
Kentucky55$2,082
Kentucky60$2,065
Kentucky65$2,141
Kentucky70$2,251
Kentucky75$2,555
Louisiana16$10,578
Louisiana17$8,774
Louisiana18$7,797
Louisiana19$5,545
Louisiana20$4,996
Louisiana21$4,234
Louisiana22$3,775
Louisiana23$3,461
Louisiana24$3,338
Louisiana25$2,854
Louisiana30$2,608
Louisiana35$2,593
Louisiana40$2,565
Louisiana45$2,436
Louisiana50$2,290
Louisiana55$2,258
Louisiana60$2,317
Louisiana65$2,430
Louisiana70$2,412
Louisiana75$2,402
Massachusetts16$5,746
Massachusetts17$5,430
Massachusetts18$5,207
Massachusetts19$3,733
Massachusetts20$3,454
Massachusetts21$2,941
Massachusetts22$1,810
Massachusetts23$1,682
Massachusetts24$1,627
Massachusetts25$1,541
Massachusetts30$1,466
Massachusetts35$1,424
Massachusetts40$1,413
Massachusetts45$1,404
Massachusetts50$1,379
Massachusetts55$1,362
Massachusetts60$1,364
Massachusetts65$1,045
Massachusetts70$1,104
Massachusetts75$1,163
Maryland16$7,693
Maryland17$6,472
Maryland18$5,601
Maryland19$4,493
Maryland20$3,941
Maryland21$3,062
Maryland22$2,792
Maryland23$2,547
Maryland24$2,225
Maryland25$2,019
Maryland30$1,842
Maryland35$1,814
Maryland40$1,777
Maryland45$1,775
Maryland50$1,697
Maryland55$1,651
Maryland60$1,703
Maryland65$1,856
Maryland70$1,949
Maryland75$1,949
Maine16$4,004
Maine17$3,754
Maine18$3,344
Maine19$2,603
Maine20$2,340
Maine21$1,787
Maine22$1,640
Maine23$1,503
Maine24$1,393
Maine25$1,228
Maine30$1,062
Maine35$1,041
Maine40$1,032
Maine45$972
Maine50$956
Maine55$946
Maine60$942
Maine65$936
Maine70$940
Maine75$933
Michigan16$17,825
Michigan17$12,527
Michigan18$11,281
Michigan19$8,442
Michigan20$6,719
Michigan21$4,994
Michigan22$4,694
Michigan23$4,387
Michigan24$4,090
Michigan25$3,743
Michigan30$3,466
Michigan35$3,452
Michigan40$3,489
Michigan45$3,384
Michigan50$3,268
Michigan55$3,136
Michigan60$3,079
Michigan65$3,166
Michigan70$3,468
Michigan75$3,910
Minnesota16$6,961
Minnesota17$5,406
Minnesota18$5,121
Minnesota19$3,452
Minnesota20$3,117
Minnesota21$2,475
Minnesota22$2,316
Minnesota23$2,155
Minnesota24$2,045
Minnesota25$1,796
Minnesota30$1,620
Minnesota35$1,615
Minnesota40$1,587
Minnesota45$1,452
Minnesota50$1,351
Minnesota55$1,329
Minnesota60$1,332
Minnesota65$1,402
Minnesota70$1,448
Minnesota75$1,637
Missouri16$8,189
Missouri17$6,504
Missouri18$5,808
Missouri19$3,946
Missouri20$3,506
Missouri21$2,739
Missouri22$2,442
Missouri23$2,265
Missouri24$2,162
Missouri25$1,987
Missouri30$1,805
Missouri35$1,780
Missouri40$1,750
Missouri45$1,673
Missouri50$1,589
Missouri55$1,527
Missouri60$1,488
Missouri65$1,513
Missouri70$1,568
Missouri75$1,726
Mississippi16$6,614
Mississippi17$6,093
Mississippi18$5,216
Mississippi19$3,650
Mississippi20$3,259
Mississippi21$2,638
Mississippi22$2,445
Mississippi23$2,233
Mississippi24$2,083
Mississippi25$2,020
Mississippi30$1,681
Mississippi35$1,655
Mississippi40$1,624
Mississippi45$1,511
Mississippi50$1,428
Mississippi55$1,397
Mississippi60$1,375
Mississippi65$1,411
Mississippi70$1,474
Mississippi75$1,726
Montana16$8,142
Montana17$6,733
Montana18$5,876
Montana19$4,423
Montana20$4,056
Montana21$3,193
Montana22$2,933
Montana23$2,627
Montana24$2,412
Montana25$2,134
Montana30$1,963
Montana35$1,939
Montana40$1,933
Montana45$1,919
Montana50$1,836
Montana55$1,768
Montana60$1,736
Montana65$1,825
Montana70$1,893
Montana75$2,250
North Carolina16$3,890
North Carolina17$3,461
North Carolina18$3,093
North Carolina19$1,996
North Carolina20$1,942
North Carolina21$1,715
North Carolina22$1,690
North Carolina23$1,660
North Carolina24$1,666
North Carolina25$1,586
North Carolina30$1,425
North Carolina35$1,420
North Carolina40$1,400
North Carolina45$1,391
North Carolina50$1,366
North Carolina55$1,285
North Carolina60$1,288
North Carolina65$1,319
North Carolina70$1,387
North Carolina75$1,438
North Dakota16$8,313
North Dakota17$6,205
North Dakota18$5,521
North Dakota19$3,469
North Dakota20$3,107
North Dakota21$2,405
North Dakota22$2,206
North Dakota23$2,030
North Dakota24$1,906
North Dakota25$1,756
North Dakota30$1,565
North Dakota35$1,546
North Dakota40$1,520
North Dakota45$1,410
North Dakota50$1,338
North Dakota55$1,286
North Dakota60$1,231
North Dakota65$1,253
North Dakota70$1,294
North Dakota75$1,421
Nebraska16$6,394
Nebraska17$5,789
Nebraska18$4,867
Nebraska19$3,224
Nebraska20$2,882
Nebraska21$2,156
Nebraska22$2,004
Nebraska23$1,847
Nebraska24$1,741
Nebraska25$1,671
Nebraska30$1,493
Nebraska35$1,474
Nebraska40$1,455
Nebraska45$1,391
Nebraska50$1,332
Nebraska55$1,284
Nebraska60$1,260
Nebraska65$1,280
Nebraska70$1,399
Nebraska75$1,552
New Hampshire16$4,107
New Hampshire17$3,679
New Hampshire18$3,176
New Hampshire19$2,390
New Hampshire20$2,118
New Hampshire21$1,763
New Hampshire22$1,650
New Hampshire23$1,540
New Hampshire24$1,458
New Hampshire25$1,214
New Hampshire30$1,070
New Hampshire35$1,054
New Hampshire40$1,034
New Hampshire45$963
New Hampshire50$925
New Hampshire55$907
New Hampshire60$945
New Hampshire65$987
New Hampshire70$1,044
New Hampshire75$1,161
New Jersey16$7,245
New Jersey17$6,203
New Jersey18$5,523
New Jersey19$4,027
New Jersey20$3,633
New Jersey21$3,014
New Jersey22$2,837
New Jersey23$2,616
New Jersey24$2,504
New Jersey25$2,231
New Jersey30$2,001
New Jersey35$1,948
New Jersey40$1,942
New Jersey45$1,854
New Jersey50$1,797
New Jersey55$1,745
New Jersey60$1,724
New Jersey65$1,751
New Jersey70$1,756
New Jersey75$1,929
New Mexico16$7,731
New Mexico17$6,280
New Mexico18$5,630
New Mexico19$3,790
New Mexico20$3,346
New Mexico21$2,527
New Mexico22$2,336
New Mexico23$2,141
New Mexico24$1,996
New Mexico25$1,775
New Mexico30$1,605
New Mexico35$1,592
New Mexico40$1,583
New Mexico45$1,527
New Mexico50$1,465
New Mexico55$1,410
New Mexico60$1,382
New Mexico65$1,436
New Mexico70$1,516
New Mexico75$1,742
Nevada16$12,282
Nevada17$9,726
Nevada18$8,535
Nevada19$5,783
Nevada20$5,003
Nevada21$3,849
Nevada22$3,535
Nevada23$3,234
Nevada24$2,994
Nevada25$2,729
Nevada30$2,486
Nevada35$2,492
Nevada40$2,446
Nevada45$2,370
Nevada50$2,254
Nevada55$2,177
Nevada60$2,144
Nevada65$2,180
Nevada70$2,308
Nevada75$2,640
New York16$6,909
New York17$5,746
New York18$4,825
New York19$3,835
New York20$3,414
New York21$3,040
New York22$2,844
New York23$2,671
New York24$2,529
New York25$2,284
New York30$2,081
New York35$2,081
New York40$2,066
New York45$2,015
New York50$1,936
New York55$1,901
New York60$1,871
New York65$1,930
New York70$2,023
New York75$2,261
Ohio16$5,750
Ohio17$5,038
Ohio18$4,452
Ohio19$2,864
Ohio20$2,566
Ohio21$1,917
Ohio22$1,749
Ohio23$1,628
Ohio24$1,527
Ohio25$1,329
Ohio30$1,197
Ohio35$1,174
Ohio40$1,160
Ohio45$1,126
Ohio50$1,070
Ohio55$1,024
Ohio60$1,012
Ohio65$1,044
Ohio70$1,095
Ohio75$1,228
Oklahoma16$7,767
Oklahoma17$6,610
Oklahoma18$5,859
Oklahoma19$3,867
Oklahoma20$3,408
Oklahoma21$2,712
Oklahoma22$2,489
Oklahoma23$2,303
Oklahoma24$2,147
Oklahoma25$2,012
Oklahoma30$1,822
Oklahoma35$1,805
Oklahoma40$1,796
Oklahoma45$1,756
Oklahoma50$1,667
Oklahoma55$1,606
Oklahoma60$1,586
Oklahoma65$1,591
Oklahoma70$1,628
Oklahoma75$1,761
Oregon16$7,345
Oregon17$6,162
Oregon18$5,647
Oregon19$3,525
Oregon20$3,169
Oregon21$2,352
Oregon22$2,154
Oregon23$1,982
Oregon24$1,838
Oregon25$1,687
Oregon30$1,548
Oregon35$1,529
Oregon40$1,520
Oregon45$1,473
Oregon50$1,415
Oregon55$1,361
Oregon60$1,345
Oregon65$1,356
Oregon70$1,415
Oregon75$1,589
Pennsylvania16$5,471
Pennsylvania17$5,078
Pennsylvania18$4,464
Pennsylvania19$3,663
Pennsylvania20$3,244
Pennsylvania21$2,747
Pennsylvania22$2,505
Pennsylvania23$2,317
Pennsylvania24$2,103
Pennsylvania25$1,846
Pennsylvania30$1,700
Pennsylvania35$1,670
Pennsylvania40$1,630
Pennsylvania45$1,551
Pennsylvania50$1,491
Pennsylvania55$1,449
Pennsylvania60$1,443
Pennsylvania65$1,471
Pennsylvania70$1,569
Pennsylvania75$1,763
Rhode Island16$10,400
Rhode Island17$7,827
Rhode Island18$6,837
Rhode Island19$4,659
Rhode Island20$4,115
Rhode Island21$3,390
Rhode Island22$3,113
Rhode Island23$2,818
Rhode Island24$2,591
Rhode Island25$2,241
Rhode Island30$2,092
Rhode Island35$2,038
Rhode Island40$2,006
Rhode Island45$1,992
Rhode Island50$1,929
Rhode Island55$1,866
Rhode Island60$1,987
Rhode Island65$2,396
Rhode Island70$2,423
Rhode Island75$2,467
South Carolina16$6,441
South Carolina17$5,191
South Carolina18$4,598
South Carolina19$3,468
South Carolina20$3,112
South Carolina21$2,515
South Carolina22$2,339
South Carolina23$2,167
South Carolina24$2,017
South Carolina25$1,808
South Carolina30$1,620
South Carolina35$1,600
South Carolina40$1,555
South Carolina45$1,471
South Carolina50$1,402
South Carolina55$1,361
South Carolina60$1,358
South Carolina65$1,427
South Carolina70$1,495
South Carolina75$1,722
South Dakota16$8,113
South Dakota17$6,457
South Dakota18$5,688
South Dakota19$3,475
South Dakota20$3,135
South Dakota21$2,429
South Dakota22$2,260
South Dakota23$2,091
South Dakota24$1,978
South Dakota25$1,781
South Dakota30$1,614
South Dakota35$1,585
South Dakota40$1,547
South Dakota45$1,428
South Dakota50$1,348
South Dakota55$1,308
South Dakota60$1,293
South Dakota65$1,334
South Dakota70$1,360
South Dakota75$1,517
Tennessee16$9,098
Tennessee17$7,049
Tennessee18$5,842
Tennessee19$3,641
Tennessee20$3,132
Tennessee21$2,399
Tennessee22$2,169
Tennessee23$1,985
Tennessee24$1,837
Tennessee25$1,689
Tennessee30$1,477
Tennessee35$1,467
Tennessee40$1,441
Tennessee45$1,335
Tennessee50$1,258
Tennessee55$1,236
Tennessee60$1,222
Tennessee65$1,318
Tennessee70$1,462
Tennessee75$1,762
Texas16$5,548
Texas17$4,606
Texas18$4,349
Texas19$3,913
Texas20$3,566
Texas21$2,809
Texas22$2,635
Texas23$2,486
Texas24$2,388
Texas25$2,029
Texas30$1,823
Texas35$1,791
Texas40$1,783
Texas45$1,693
Texas50$1,629
Texas55$1,588
Texas60$1,581
Texas65$1,669
Texas70$1,745
Texas75$1,915
Utah16$7,882
Utah17$6,584
Utah18$5,733
Utah19$3,711
Utah20$3,184
Utah21$2,286
Utah22$2,089
Utah23$1,928
Utah24$1,792
Utah25$1,671
Utah30$1,515
Utah35$1,501
Utah40$1,487
Utah45$1,428
Utah50$1,382
Utah55$1,321
Utah60$1,306
Utah65$1,338
Utah70$1,395
Utah75$1,591
Virginia16$4,661
Virginia17$3,924
Virginia18$3,450
Virginia19$2,771
Virginia20$2,491
Virginia21$1,924
Virginia22$1,805
Virginia23$1,668
Virginia24$1,508
Virginia25$1,320
Virginia30$1,194
Virginia35$1,172
Virginia40$1,148
Virginia45$1,035
Virginia50$1,010
Virginia55$983
Virginia60$991
Virginia65$1,058
Virginia70$1,127
Virginia75$1,270
Vermont16$4,653
Vermont17$4,048
Vermont18$3,712
Vermont19$3,224
Vermont20$2,889
Vermont21$2,155
Vermont22$2,017
Vermont23$1,862
Vermont24$1,775
Vermont25$1,543
Vermont30$1,374
Vermont35$1,355
Vermont40$1,328
Vermont45$1,262
Vermont50$1,204
Vermont55$1,178
Vermont60$1,178
Vermont65$1,237
Vermont70$1,302
Vermont75$1,488
Washington16$6,526
Washington17$6,003
Washington18$5,249
Washington19$3,395
Washington20$3,054
Washington21$2,507
Washington22$2,325
Washington23$2,129
Washington24$1,988
Washington25$1,871
Washington30$1,640
Washington35$1,593
Washington40$1,610
Washington45$1,489
Washington50$1,438
Washington55$1,380
Washington60$1,390
Washington65$1,441
Washington70$1,515
Washington75$1,661
Wisconsin16$7,801
Wisconsin17$5,607
Wisconsin18$4,864
Wisconsin19$3,014
Wisconsin20$2,617
Wisconsin21$2,086
Wisconsin22$1,916
Wisconsin23$1,770
Wisconsin24$1,656
Wisconsin25$1,448
Wisconsin30$1,320
Wisconsin35$1,299
Wisconsin40$1,275
Wisconsin45$1,234
Wisconsin50$1,174
Wisconsin55$1,126
Wisconsin60$1,119
Wisconsin65$1,140
Wisconsin70$1,188
Wisconsin75$1,325
West Virginia16$7,021
West Virginia17$6,098
West Virginia18$5,274
West Virginia19$4,099
West Virginia20$3,721
West Virginia21$2,684
West Virginia22$2,481
West Virginia23$2,271
West Virginia24$2,036
West Virginia25$1,805
West Virginia30$1,653
West Virginia35$1,629
West Virginia40$1,600
West Virginia45$1,516
West Virginia50$1,449
West Virginia55$1,417
West Virginia60$1,410
West Virginia65$1,462
West Virginia70$1,525
West Virginia75$1,747
Wyoming16$6,608
Wyoming17$5,304
Wyoming18$4,661
Wyoming19$3,658
Wyoming20$3,307
Wyoming21$2,921
Wyoming22$2,650
Wyoming23$2,482
Wyoming24$2,378
Wyoming25$1,904
Wyoming30$1,721
Wyoming35$1,702
Wyoming40$1,689
Wyoming45$1,597
Wyoming50$1,529
Wyoming55$1,458
Wyoming60$1,440
Wyoming65$1,489
Wyoming70$1,567
Wyoming75$1,780

Age and other factors that affect average car insurance cost

Age is just one factor that car insurance companies assess when deciding how much you pay. Other factors that affect car insurance rates include:

  • where you live
  • what model car you drive
  • marital status
  • your driving record
  • your credit history
  • your annual mileage

Each of these rating factors, among others, along with type of coverage you choose and with what limits, influences the rate you'll pay for your car insurance policy. To get an idea of how much you can expect to pay, you can start with can estimate car insurance costs by using the average rate tool at the bottom of the page. It shows rates for six age groups and three coverage levels by ZIP code.

And don't forget that what car insurance company you choose makes a difference in the car insurance rates you'll be offered. That's because insurance companies assess risk differently, and each use their own formulas to calculate the price you pay. So the price for a policy will vary significantly among insurance companies.

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. Our guide to the best cheap car insurance for seniors shows how much drivers age 65, 75 and 85 can save by comparison shopping.

California Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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Male
COVERAGE TYPES
*Please enter valid Zip
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 $56/mo.
Lowest Rate $26/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
MOST EXPENSIVE PER MONTH
91205 - Glendale: $91
90038 - Los Angeles: $91
90212 - Beverly Hills: $91
91203 - Glendale: $90
LEAST EXPENSIVE PER MONTH
96107 - Coleville: $33
93513 - Big Pine: $34
96093 - Weaverville: $34
96027 - Etna: $34