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
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
Highest Rate
$68/mo.
Lowest Rate
$27/mo.
| 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 |
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
- 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.
| 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 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:
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 20 | Non-Owner State Minimum Liability Only | $670 | $702 |
| 20 | State Minimum Liability Only | $1,058 | $1,159 |
| 20 | 50/100/50 Liability Only | $1,277 | $1,390 |
| 20 | 100/300/100 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:
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 21 | Non-Owner State Minimum Liability Only | $557 | $582 |
| 21 | State Minimum Liability Only | $850 | $917 |
| 21 | 50/100/50 Liability Only | $1,029 | $1,103 |
| 21 | 100/300/100 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.
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 22 | Non-Owner State Minimum Liability Only | $511 | $528 |
| 22 | State Minimum Liability Only | $769 | $819 |
| 22 | 50/100/50 Liability Only | $935 | $988 |
| 22 | 100/300/100 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:
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 23 | Non-Owner State Minimum Liability Only | $488 | $500 |
| 23 | State Minimum Liability Only | $717 | $755 |
| 23 | 50/100/50 Liability Only | $873 | $914 |
| 23 | 100/300/100 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:
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 24 | Non-Owner State Minimum Liability Only | $469 | $477 |
| 24 | State Minimum Liability Only | $676 | $705 |
| 24 | 50/100/50 Liability Only | $826 | $855 |
| 24 | 100/300/100 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:
| Age | Coverage Level | Females | Males |
|---|---|---|---|
| 25 | Non-Owner State Minimum Liability Only | $439 | $432 |
| 25 | State Minimum Liability Only | $605 | $612 |
| 25 | 50/100/50 Liability Only | $744 | $749 |
| 25 | 100/300/100 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.
Teen car insurance articles by ageTo 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.
Select your state below to see the average auto insurance rates by age for a full coverage policy
| 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.
