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.

Car insurance for people under 25 years of age 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 rates from age 16 all the way to age 75 in every state. Here’s what you can expect to pay for auto insurance at every age.

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

In the tables 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.

As you'll see in the table below, rates are typically 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.

Average car insurance rates by age chart
AgeNon-Owner State MinimumState Minimum50/100/50100/300/100
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 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.

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

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:

Car Insurance for 20 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

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

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. Here’s a breakdown of insurance rates for various coverage levels:

Car Insurance for 21 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

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

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.

Car Insurance for 22 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

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

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. Here’s a breakdown of insurance rates for various coverage levels:

Car Insurance for 23 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

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

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:

Car Insurance for 24 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

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

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:

Car Insurance for 25 Year Old Male and Female
AgeCoverage LevelFemaleMale
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

Teen car insurance rates by age

Teenagers typically have the highest insurance cost of any age group at $2,402  for the state minimum coverage for a 16-year-old all the way 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:

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.

Average car insurance costs by age and state for full coverage
StateAgeAvg Premium - Full Coverage
Alaska16$5,566
Alaska17$4,453
Alaska18$3,879
Alaska19$3,137
Alaska20$2,881
Alaska21$2,230
Alaska22$2,026
Alaska23$1,876
Alaska24$1,777
Alaska25$1,558
Alaska30$1,427
Alaska35$1,382
Alaska40$1,354
Alaska45$1,327
Alaska50$1,254
Alaska55$1,211
Alaska60$1,181
Alaska65$1,280
Alaska70$1,354
Alaska75$1,489
Alabama16$6,747
Alabama17$6,060
Alabama18$5,246
Alabama19$3,585
Alabama20$3,271
Alabama21$2,583
Alabama22$2,328
Alabama23$2,171
Alabama24$2,007
Alabama25$1,848
Alabama30$1,635
Alabama35$1,596
Alabama40$1,547
Alabama45$1,511
Alabama50$1,452
Alabama55$1,392
Alabama60$1,371
Alabama65$1,406
Alabama70$1,530
Alabama75$1,687
Arkansas16$7,711
Arkansas17$6,203
Arkansas18$5,449
Arkansas19$3,766
Arkansas20$3,421
Arkansas21$2,708
Arkansas22$2,407
Arkansas23$2,242
Arkansas24$2,081
Arkansas25$1,886
Arkansas30$1,670
Arkansas35$1,584
Arkansas40$1,591
Arkansas45$1,552
Arkansas50$1,483
Arkansas55$1,419
Arkansas60$1,393
Arkansas65$1,419
Arkansas70$1,533
Arkansas75$1,666
Arizona16$8,004
Arizona17$6,610
Arizona18$5,713
Arizona19$3,957
Arizona20$3,587
Arizona21$2,968
Arizona22$2,618
Arizona23$2,438
Arizona24$2,322
Arizona25$1,957
Arizona30$1,718
Arizona35$1,663
Arizona40$1,611
Arizona45$1,577
Arizona50$1,496
Arizona55$1,444
Arizona60$1,431
Arizona65$1,502
Arizona70$1,599
Arizona75$1,795
California16$6,257
California17$5,747
California18$5,438
California19$4,002
California20$3,768
California21$3,362
California22$3,105
California23$2,983
California24$2,830
California25$2,580
California30$2,245
California35$2,161
California40$2,115
California45$2,076
California50$2,044
California55$2,016
California60$2,000
California65$2,036
California70$2,183
California75$2,315
Colorado16$8,032
Colorado17$7,103
Colorado18$5,993
Colorado19$4,261
Colorado20$3,935
Colorado21$3,124
Colorado22$2,797
Colorado23$2,641
Colorado24$2,512
Colorado25$2,263
Colorado30$2,011
Colorado35$1,961
Colorado40$1,930
Colorado45$1,886
Colorado50$1,808
Colorado55$1,748
Colorado60$1,715
Colorado65$1,762
Colorado70$1,891
Colorado75$2,094
Connecticut16$10,337
Connecticut17$7,363
Connecticut18$6,379
Connecticut19$4,736
Connecticut20$4,168
Connecticut21$3,269
Connecticut22$2,862
Connecticut23$2,636
Connecticut24$2,477
Connecticut25$2,162
Connecticut30$1,831
Connecticut35$1,775
Connecticut40$1,744
Connecticut45$1,714
Connecticut50$1,639
Connecticut55$1,591
Connecticut60$1,564
Connecticut65$1,616
Connecticut70$1,812
Connecticut75$2,048
Washington D.C.16$7,796
Washington D.C.17$6,750
Washington D.C.18$5,802
Washington D.C.19$4,257
Washington D.C.20$3,778
Washington D.C.21$3,035
Washington D.C.22$2,809
Washington D.C.23$2,615
Washington D.C.24$2,408
Washington D.C.25$2,191
Washington D.C.30$1,898
Washington D.C.35$1,872
Washington D.C.40$1,845
Washington D.C.45$1,825
Washington D.C.50$1,745
Washington D.C.55$1,704
Washington D.C.60$1,710
Washington D.C.65$1,769
Washington D.C.70$1,851
Washington D.C.75$2,084
Delaware16$11,234
Delaware17$8,883
Delaware18$7,660
Delaware19$5,600
Delaware20$5,120
Delaware21$3,531
Delaware22$3,250
Delaware23$3,090
Delaware24$2,952
Delaware25$2,554
Delaware30$2,227
Delaware35$2,209
Delaware40$2,158
Delaware45$2,127
Delaware50$1,972
Delaware55$1,921
Delaware60$1,902
Delaware65$1,951
Delaware70$2,067
Delaware75$2,273
Florida16$11,415
Florida17$9,948
Florida18$8,918
Florida19$5,911
Florida20$5,326
Florida21$4,204
Florida22$3,820
Florida23$3,530
Florida24$3,336
Florida25$3,066
Florida30$2,802
Florida35$2,727
Florida40$2,624
Florida45$2,600
Florida50$2,491
Florida55$2,397
Florida60$2,365
Florida65$2,486
Florida70$2,662
Florida75$3,026
Georgia16$7,310
Georgia17$6,414
Georgia18$5,583
Georgia19$4,220
Georgia20$3,741
Georgia21$2,942
Georgia22$2,722
Georgia23$2,470
Georgia24$2,293
Georgia25$2,043
Georgia30$1,752
Georgia35$1,699
Georgia40$1,660
Georgia45$1,630
Georgia50$1,555
Georgia55$1,475
Georgia60$1,465
Georgia65$1,517
Georgia70$1,656
Georgia75$1,834
Hawaii16$1,517
Hawaii17$1,421
Hawaii18$1,414
Hawaii19$1,330
Hawaii20$1,323
Hawaii21$1,306
Hawaii22$1,306
Hawaii23$1,306
Hawaii24$1,306
Hawaii25$1,306
Hawaii30$1,306
Hawaii35$1,306
Hawaii40$1,306
Hawaii45$1,306
Hawaii50$1,306
Hawaii55$1,306
Hawaii60$1,306
Hawaii65$1,306
Hawaii70$1,306
Hawaii75$1,306
Iowa16$4,850
Iowa17$3,906
Iowa18$3,410
Iowa19$2,804
Iowa20$2,528
Iowa21$2,065
Iowa22$1,900
Iowa23$1,786
Iowa24$1,691
Iowa25$1,597
Iowa30$1,429
Iowa35$1,375
Iowa40$1,319
Iowa45$1,283
Iowa50$1,242
Iowa55$1,185
Iowa60$1,158
Iowa65$1,148
Iowa70$1,204
Iowa75$1,284
Idaho16$5,695
Idaho17$4,613
Idaho18$4,039
Idaho19$2,816
Idaho20$2,518
Idaho21$1,980
Idaho22$1,765
Idaho23$1,636
Idaho24$1,530
Idaho25$1,350
Idaho30$1,174
Idaho35$1,142
Idaho40$1,111
Idaho45$1,085
Idaho50$1,041
Idaho55$999
Idaho60$981
Idaho65$1,024
Idaho70$1,098
Idaho75$1,249
Illinois16$8,385
Illinois17$5,928
Illinois18$5,275
Illinois19$4,078
Illinois20$3,679
Illinois21$2,978
Illinois22$2,640
Illinois23$2,444
Illinois24$2,280
Illinois25$1,947
Illinois30$1,695
Illinois35$1,638
Illinois40$1,565
Illinois45$1,523
Illinois50$1,459
Illinois55$1,404
Illinois60$1,388
Illinois65$1,435
Illinois70$1,560
Illinois75$1,720
Indiana16$5,614
Indiana17$4,300
Indiana18$3,650
Indiana19$2,797
Indiana20$2,550
Indiana21$2,110
Indiana22$1,892
Indiana23$1,776
Indiana24$1,663
Indiana25$1,490
Indiana30$1,335
Indiana35$1,295
Indiana40$1,252
Indiana45$1,221
Indiana50$1,183
Indiana55$1,141
Indiana60$1,128
Indiana65$1,155
Indiana70$1,253
Indiana75$1,380
Kansas16$5,923
Kansas17$5,285
Kansas18$4,705
Kansas19$3,418
Kansas20$3,118
Kansas21$2,507
Kansas22$2,287
Kansas23$2,133
Kansas24$2,027
Kansas25$1,862
Kansas30$1,677
Kansas35$1,638
Kansas40$1,587
Kansas45$1,546
Kansas50$1,483
Kansas55$1,421
Kansas60$1,390
Kansas65$1,404
Kansas70$1,440
Kansas75$1,573
Kentucky16$9,166
Kentucky17$7,751
Kentucky18$6,620
Kentucky19$4,993
Kentucky20$4,621
Kentucky21$3,673
Kentucky22$3,286
Kentucky23$3,066
Kentucky24$2,881
Kentucky25$2,542
Kentucky30$2,207
Kentucky35$2,163
Kentucky40$2,104
Kentucky45$2,071
Kentucky50$1,964
Kentucky55$1,907
Kentucky60$1,887
Kentucky65$1,935
Kentucky70$2,090
Kentucky75$2,311
Louisiana16$14,288
Louisiana17$9,484
Louisiana18$8,571
Louisiana19$6,006
Louisiana20$5,458
Louisiana21$4,513
Louisiana22$4,085
Louisiana23$3,741
Louisiana24$3,504
Louisiana25$3,127
Louisiana30$2,718
Louisiana35$2,649
Louisiana40$2,580
Louisiana45$2,530
Louisiana50$2,437
Louisiana55$2,377
Louisiana60$2,388
Louisiana65$2,559
Louisiana70$2,550
Louisiana75$2,544
Massachusetts16$7,067
Massachusetts17$6,115
Massachusetts18$5,854
Massachusetts19$3,888
Massachusetts20$3,554
Massachusetts21$2,926
Massachusetts22$1,973
Massachusetts23$1,884
Massachusetts24$1,734
Massachusetts25$1,715
Massachusetts30$1,623
Massachusetts35$1,557
Massachusetts40$1,538
Massachusetts45$1,510
Massachusetts50$1,472
Massachusetts55$1,436
Massachusetts60$1,434
Massachusetts65$1,251
Massachusetts70$1,276
Massachusetts75$1,348
Maryland16$6,394
Maryland17$5,703
Maryland18$5,280
Maryland19$4,433
Maryland20$4,132
Maryland21$3,043
Maryland22$2,761
Maryland23$2,590
Maryland24$2,375
Maryland25$2,036
Maryland30$1,719
Maryland35$1,668
Maryland40$1,618
Maryland45$1,589
Maryland50$1,518
Maryland55$1,471
Maryland60$1,466
Maryland65$1,667
Maryland70$1,686
Maryland75$1,698
Maine16$4,696
Maine17$4,024
Maine18$3,616
Maine19$2,892
Maine20$2,609
Maine21$2,004
Maine22$1,798
Maine23$1,675
Maine24$1,547
Maine25$1,305
Maine30$1,161
Maine35$1,138
Maine40$1,095
Maine45$1,080
Maine50$1,063
Maine55$1,048
Maine60$1,041
Maine65$1,031
Maine70$1,050
Maine75$1,043
Michigan16$8,199
Michigan17$7,189
Michigan18$6,481
Michigan19$4,874
Michigan20$4,446
Michigan21$3,453
Michigan22$3,256
Michigan23$3,064
Michigan24$2,911
Michigan25$2,334
Michigan30$2,156
Michigan35$2,129
Michigan40$2,133
Michigan45$2,120
Michigan50$2,015
Michigan55$1,913
Michigan60$1,874
Michigan65$1,919
Michigan70$2,121
Michigan75$2,327
Minnesota16$5,359
Minnesota17$4,169
Minnesota18$3,761
Minnesota19$3,202
Minnesota20$2,957
Minnesota21$2,429
Minnesota22$2,237
Minnesota23$2,105
Minnesota24$1,999
Minnesota25$1,759
Minnesota30$1,542
Minnesota35$1,518
Minnesota40$1,472
Minnesota45$1,435
Minnesota50$1,350
Minnesota55$1,300
Minnesota60$1,293
Minnesota65$1,325
Minnesota70$1,420
Minnesota75$1,586
Missouri16$9,099
Missouri17$7,183
Missouri18$6,030
Missouri19$5,027
Missouri20$4,341
Missouri21$3,627
Missouri22$3,281
Missouri23$3,045
Missouri24$2,813
Missouri25$2,479
Missouri30$2,257
Missouri35$2,162
Missouri40$2,066
Missouri45$1,988
Missouri50$1,893
Missouri55$1,782
Missouri60$1,730
Missouri65$1,774
Missouri70$1,876
Missouri75$2,028
Mississippi16$6,733
Mississippi17$6,214
Mississippi18$5,316
Mississippi19$3,863
Mississippi20$3,493
Mississippi21$2,763
Mississippi22$2,472
Mississippi23$2,304
Mississippi24$2,160
Mississippi25$1,951
Mississippi30$1,733
Mississippi35$1,644
Mississippi40$1,594
Mississippi45$1,565
Mississippi50$1,466
Mississippi55$1,419
Mississippi60$1,399
Mississippi65$1,427
Mississippi70$1,554
Mississippi75$1,739
Montana16$6,922
Montana17$5,890
Montana18$5,185
Montana19$3,978
Montana20$3,693
Montana21$2,862
Montana22$2,592
Montana23$2,347
Montana24$2,187
Montana25$1,972
Montana30$1,798
Montana35$1,728
Montana40$1,692
Montana45$1,653
Montana50$1,577
Montana55$1,526
Montana60$1,494
Montana65$1,542
Montana70$1,615
Montana75$1,875
North Carolina16$3,894
North Carolina17$3,144
North Carolina18$2,854
North Carolina19$1,743
North Carolina20$1,716
North Carolina21$1,592
North Carolina22$1,570
North Carolina23$1,553
North Carolina24$1,530
North Carolina25$1,460
North Carolina30$1,386
North Carolina35$1,379
North Carolina40$1,368
North Carolina45$1,353
North Carolina50$1,340
North Carolina55$1,294
North Carolina60$1,296
North Carolina65$1,322
North Carolina70$1,362
North Carolina75$1,412
North Dakota16$7,146
North Dakota17$5,145
North Dakota18$4,546
North Dakota19$3,116
North Dakota20$2,823
North Dakota21$2,306
North Dakota22$2,090
North Dakota23$1,955
North Dakota24$1,859
North Dakota25$1,698
North Dakota30$1,500
North Dakota35$1,463
North Dakota40$1,400
North Dakota45$1,361
North Dakota50$1,292
North Dakota55$1,242
North Dakota60$1,210
North Dakota65$1,223
North Dakota70$1,269
North Dakota75$1,360
Nebraska16$7,526
Nebraska17$6,164
Nebraska18$5,353
Nebraska19$4,183
Nebraska20$3,795
Nebraska21$3,036
Nebraska22$2,844
Nebraska23$2,700
Nebraska24$2,595
Nebraska25$2,348
Nebraska30$2,126
Nebraska35$2,060
Nebraska40$1,987
Nebraska45$1,933
Nebraska50$1,877
Nebraska55$1,804
Nebraska60$1,772
Nebraska65$1,773
Nebraska70$1,891
Nebraska75$1,995
New Hampshire16$5,823
New Hampshire17$5,125
New Hampshire18$4,470
New Hampshire19$3,394
New Hampshire20$3,067
New Hampshire21$2,595
New Hampshire22$2,296
New Hampshire23$2,170
New Hampshire24$2,036
New Hampshire25$1,814
New Hampshire30$1,379
New Hampshire35$1,338
New Hampshire40$1,305
New Hampshire45$1,293
New Hampshire50$1,232
New Hampshire55$1,201
New Hampshire60$1,198
New Hampshire65$1,245
New Hampshire70$1,350
New Hampshire75$1,509
New Jersey16$9,620
New Jersey17$7,795
New Jersey18$6,734
New Jersey19$4,298
New Jersey20$3,936
New Jersey21$3,168
New Jersey22$2,938
New Jersey23$2,630
New Jersey24$2,483
New Jersey25$2,201
New Jersey30$1,975
New Jersey35$1,946
New Jersey40$1,921
New Jersey45$1,914
New Jersey50$1,816
New Jersey55$1,782
New Jersey60$1,795
New Jersey65$1,878
New Jersey70$1,961
New Jersey75$2,117
New Mexico16$6,296
New Mexico17$4,969
New Mexico18$4,420
New Mexico19$3,168
New Mexico20$2,940
New Mexico21$2,470
New Mexico22$2,280
New Mexico23$2,091
New Mexico24$1,982
New Mexico25$1,721
New Mexico30$1,579
New Mexico35$1,544
New Mexico40$1,507
New Mexico45$1,485
New Mexico50$1,429
New Mexico55$1,405
New Mexico60$1,363
New Mexico65$1,407
New Mexico70$1,484
New Mexico75$1,605
Nevada16$9,701
Nevada17$7,685
Nevada18$6,712
Nevada19$4,673
Nevada20$4,224
Nevada21$3,614
Nevada22$3,256
Nevada23$2,969
Nevada24$2,761
Nevada25$2,353
Nevada30$2,120
Nevada35$2,088
Nevada40$2,031
Nevada45$1,985
Nevada50$1,915
Nevada55$1,850
Nevada60$1,824
Nevada65$1,907
Nevada70$2,047
Nevada75$2,296
New York16$6,772
New York17$6,289
New York18$5,597
New York19$4,081
New York20$3,835
New York21$3,178
New York22$3,042
New York23$2,737
New York24$2,626
New York25$2,345
New York30$2,140
New York35$2,117
New York40$2,072
New York45$2,041
New York50$1,957
New York55$1,904
New York60$1,911
New York65$1,998
New York70$2,172
New York75$2,418
Ohio16$5,042
Ohio17$3,985
Ohio18$3,459
Ohio19$2,511
Ohio20$2,268
Ohio21$1,788
Ohio22$1,605
Ohio23$1,503
Ohio24$1,380
Ohio25$1,267
Ohio30$1,108
Ohio35$1,062
Ohio40$1,023
Ohio45$996
Ohio50$966
Ohio55$925
Ohio60$916
Ohio65$937
Ohio70$1,026
Ohio75$1,138
Oklahoma16$7,788
Oklahoma17$6,752
Oklahoma18$5,950
Oklahoma19$4,033
Oklahoma20$3,682
Oklahoma21$3,038
Oklahoma22$2,717
Oklahoma23$2,497
Oklahoma24$2,326
Oklahoma25$2,141
Oklahoma30$1,928
Oklahoma35$1,845
Oklahoma40$1,799
Oklahoma45$1,774
Oklahoma50$1,668
Oklahoma55$1,614
Oklahoma60$1,576
Oklahoma65$1,602
Oklahoma70$1,718
Oklahoma75$1,835
Oregon16$5,749
Oregon17$4,886
Oregon18$4,153
Oregon19$2,962
Oregon20$2,707
Oregon21$2,120
Oregon22$1,918
Oregon23$1,795
Oregon24$1,699
Oregon25$1,489
Oregon30$1,339
Oregon35$1,306
Oregon40$1,272
Oregon45$1,248
Oregon50$1,201
Oregon55$1,154
Oregon60$1,145
Oregon65$1,182
Oregon70$1,259
Oregon75$1,448
Pennsylvania16$7,888
Pennsylvania17$6,113
Pennsylvania18$5,169
Pennsylvania19$3,904
Pennsylvania20$3,570
Pennsylvania21$2,757
Pennsylvania22$2,440
Pennsylvania23$2,279
Pennsylvania24$2,105
Pennsylvania25$1,783
Pennsylvania30$1,575
Pennsylvania35$1,512
Pennsylvania40$1,445
Pennsylvania45$1,411
Pennsylvania50$1,370
Pennsylvania55$1,320
Pennsylvania60$1,304
Pennsylvania65$1,313
Pennsylvania70$1,394
Pennsylvania75$1,534
Rhode Island16$11,124
Rhode Island17$7,929
Rhode Island18$6,972
Rhode Island19$4,801
Rhode Island20$4,360
Rhode Island21$3,375
Rhode Island22$3,008
Rhode Island23$2,744
Rhode Island24$2,558
Rhode Island25$2,204
Rhode Island30$1,927
Rhode Island35$1,879
Rhode Island40$1,839
Rhode Island45$1,805
Rhode Island50$1,735
Rhode Island55$1,690
Rhode Island60$1,730
Rhode Island65$1,932
Rhode Island70$1,987
Rhode Island75$2,054
South Carolina16$6,900
South Carolina17$6,036
South Carolina18$5,346
South Carolina19$4,396
South Carolina20$3,853
South Carolina21$3,190
South Carolina22$2,904
South Carolina23$2,776
South Carolina24$2,584
South Carolina25$2,366
South Carolina30$2,078
South Carolina35$1,976
South Carolina40$1,902
South Carolina45$1,899
South Carolina50$1,802
South Carolina55$1,757
South Carolina60$1,774
South Carolina65$1,824
South Carolina70$1,950
South Carolina75$2,159
South Dakota16$6,212
South Dakota17$4,996
South Dakota18$4,478
South Dakota19$3,204
South Dakota20$2,935
South Dakota21$2,438
South Dakota22$2,224
South Dakota23$2,079
South Dakota24$1,980
South Dakota25$1,830
South Dakota30$1,632
South Dakota35$1,595
South Dakota40$1,553
South Dakota45$1,520
South Dakota50$1,439
South Dakota55$1,389
South Dakota60$1,354
South Dakota65$1,352
South Dakota70$1,386
South Dakota75$1,498
Tennessee16$6,869
Tennessee17$5,742
Tennessee18$4,989
Tennessee19$3,306
Tennessee20$2,981
Tennessee21$2,384
Tennessee22$2,115
Tennessee23$1,978
Tennessee24$1,823
Tennessee25$1,667
Tennessee30$1,483
Tennessee35$1,434
Tennessee40$1,370
Tennessee45$1,339
Tennessee50$1,287
Tennessee55$1,235
Tennessee60$1,229
Tennessee65$1,262
Tennessee70$1,364
Tennessee75$1,491
Texas16$8,599
Texas17$6,810
Texas18$6,218
Texas19$4,684
Texas20$4,220
Texas21$3,396
Texas22$3,105
Texas23$2,842
Texas24$2,619
Texas25$2,249
Texas30$1,990
Texas35$1,913
Texas40$1,867
Texas45$1,837
Texas50$1,741
Texas55$1,696
Texas60$1,660
Texas65$1,762
Texas70$1,858
Texas75$2,074
Utah16$7,977
Utah17$6,158
Utah18$5,326
Utah19$3,637
Utah20$3,212
Utah21$2,551
Utah22$2,264
Utah23$2,099
Utah24$1,947
Utah25$1,741
Utah30$1,550
Utah35$1,501
Utah40$1,478
Utah45$1,436
Utah50$1,373
Utah55$1,331
Utah60$1,314
Utah65$1,382
Utah70$1,501
Utah75$1,660
Virginia16$5,893
Virginia17$4,792
Virginia18$4,178
Virginia19$3,206
Virginia20$2,876
Virginia21$2,383
Virginia22$2,125
Virginia23$1,962
Virginia24$1,825
Virginia25$1,620
Virginia30$1,444
Virginia35$1,373
Virginia40$1,312
Virginia45$1,273
Virginia50$1,202
Virginia55$1,165
Virginia60$1,154
Virginia65$1,226
Virginia70$1,299
Virginia75$1,438
Vermont16$4,335
Vermont17$3,726
Vermont18$3,406
Vermont19$2,862
Vermont20$2,657
Vermont21$2,000
Vermont22$1,836
Vermont23$1,736
Vermont24$1,650
Vermont25$1,402
Vermont30$1,201
Vermont35$1,173
Vermont40$1,135
Vermont45$1,115
Vermont50$1,062
Vermont55$1,038
Vermont60$1,035
Vermont65$1,084
Vermont70$1,136
Vermont75$1,311
Washington16$5,990
Washington17$5,081
Washington18$4,497
Washington19$3,522
Washington20$3,202
Washington21$2,518
Washington22$2,168
Washington23$2,036
Washington24$1,918
Washington25$1,618
Washington30$1,410
Washington35$1,370
Washington40$1,377
Washington45$1,349
Washington50$1,300
Washington55$1,256
Washington60$1,248
Washington65$1,281
Washington70$1,391
Washington75$1,561
Wisconsin16$7,031
Wisconsin17$5,619
Wisconsin18$4,917
Wisconsin19$3,471
Wisconsin20$3,161
Wisconsin21$2,573
Wisconsin22$2,319
Wisconsin23$2,190
Wisconsin24$2,081
Wisconsin25$1,801
Wisconsin30$1,594
Wisconsin35$1,519
Wisconsin40$1,476
Wisconsin45$1,417
Wisconsin50$1,357
Wisconsin55$1,292
Wisconsin60$1,267
Wisconsin65$1,289
Wisconsin70$1,421
Wisconsin75$1,533
West Virginia16$7,065
West Virginia17$5,761
West Virginia18$5,194
West Virginia19$4,196
West Virginia20$3,969
West Virginia21$2,948
West Virginia22$2,691
West Virginia23$2,481
West Virginia24$2,293
West Virginia25$1,994
West Virginia30$1,690
West Virginia35$1,663
West Virginia40$1,609
West Virginia45$1,571
West Virginia50$1,511
West Virginia55$1,453
West Virginia60$1,439
West Virginia65$1,482
West Virginia70$1,585
West Virginia75$1,751
Wyoming16$6,486
Wyoming17$5,374
Wyoming18$4,831
Wyoming19$3,695
Wyoming20$3,401
Wyoming21$2,917
Wyoming22$2,645
Wyoming23$2,482
Wyoming24$2,389
Wyoming25$1,942
Wyoming30$1,737
Wyoming35$1,710
Wyoming40$1,685
Wyoming45$1,634
Wyoming50$1,556
Wyoming55$1,515
Wyoming60$1,500
Wyoming65$1,573
Wyoming70$1,655
Wyoming75$1,911

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, along with the type of coverage you choose, deductibles and discounts, 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 an estimate of 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.

Finally, the car insurance company you choose makes a difference in your car insurance rates because companies assess risk differently, and each uses its own formulas to calculate the price you pay.

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 you can use at any age

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

A "safe" or "good driver discount" nets the highest savings – 25% – on average, based on a 2022 discount savings analysis. You must have a clean driving record, so no moving violations and no accidents for the past three to five years.

Auto home bundle discounts earned a 14% savings, on average, and for younger drivers, student-away discounts save 18%, on average, though it can be up to 67%. A good student discount saves drivers an average of 16%.

Senior drivers can also cut their costs. Drivers older than 65 who complete a senior driving training course can save an average of 5% but up to 24%.

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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COVERAGE TYPES
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*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 Highest Rate $56/mo.
lowest rate 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

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.

Sources:

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

– Michelle Megna contributed to this story.