Car insurance rates are based on various factors, with age being among the most critical. 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 relatively 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.

Florida Car Insurance Rates by ZIP Code

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COVERAGE TYPES
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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.
33315 Fort Lauderdale
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$91
highest rate Highest Rate $129/mo.
lowest rate Lowest Rate $47/mo.
Compare personalized quotes from up to 20 companies in Florida now
MOST & LEAST EXPENSIVE ZIP CODES in Florida
MOST EXPENSIVE PER MONTH
33012 - Hialeah: $128
33135 - Miami: $128
33013 - Hialeah: $128
33125 - Miami: $127
LEAST EXPENSIVE PER MONTH
32425 - Bonifay: $53
32440 - Graceville: $53
32431 - Cottondale: $53
32428 - Chipley: $53
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 high, but they start to decrease as soon as a driver turns 20.
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Written by:
Laura Longero
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.
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Edited by:
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Reviewed by:
Dr. James C. Brau
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Industry Expert
Dr. Brau teaches finance principles, entrepreneurial finance, financial planning, and corporate finance at Brigham Young University’s School of Business. His research includes issues related to initial public offerings, financial education, real estate, and entrepreneurial finance.

Average car insurance rates by age

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 car insurance rates by age chart below, rates are 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 rates 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 standard 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; 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

Read more about car insurance for a 20-year-old

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

Read more about car insurance for a 21-year-old

Average car insurance cost by age for 22-year-olds

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

Read more about car insurance for a 22-year-old

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

Read more about car insurance for a 23-year-old

Average car insurance cost by age for 24-year-olds

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

Read more about car insurance for a 24-year-old

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

Read more about car insurance for a 25-year-old

Chart: Average car insurance rates by age and state

Refer to the chart below to see average car insurance costs by age and by 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

Age and other factors that affect the average car insurance rates

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 age, you can trim costs by qualifying for car insurance discounts matching 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%.

Check out our guide on how to get discounts on car insurance

Resources & Methodology

Source

Centers for Disease Control & Prevention. “Teen Drivers.” Accessed May 2023.

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.

Laura Longero

Ask the Insurance Expert

Laura Longero

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.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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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.