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Average car insurance rates by age


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$2,593$2,957$6,930
17$2,179$2,500$5,836
18$1,870$2,142$5,115
19$1,260$1,444$3,503
20$1,102$1,261$3,214
21$875$1,001$2,516
22$794$906$2,288
23$732$834$2,116
24$684$779$1,982
25$608$691$1,745
35$552$627$1,564
45$525$596$1,469
55$494$560$1,363
65$515$585$1,402
75$630$718$1,651
85$778$887$1,987

*CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2017 Honda Accord LX for 10 ZIP codes in each state using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where one of the insurers doesn't return a rate, another major carrier in that state is substituted.)

Average car insurance by age 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 20Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$1,031Male$1,173
Liability Only - 50/100/50 BI/PDFemale$1,178Male$1,343
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$2,862Male$3,385

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

Age 21Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$832Male$919
Liability Only - 50/100/50 BI/PDFemale$950Male$1,051
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$2,335Male$2,696

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

Age 22Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$762Male$826
Liability Only - 50/100/50 BI/PDFemale$869Male$943
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$2,148Male$2,427

Car insurance for 23-year-old male and female

Age 23Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$704Male$760
Liability Only - 50/100/50 BI/PDFemale$802Male$867
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$2,000Male$2,233

Car insurance for 24-year-old male and female

Age 24Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$663Male$706
Liability Only - 50/100/50 BI/PDFemale$754Male$804
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$1,886Male$2,079

Car insurance for 25-year-old male and female

Age 25Average rateAverage rate
Liability Only - State Minimum BI/PDFemale$604Male$611
Liability Only - 50/100/50 BI/PDFemale$687Male$696
Full Coverage - 100/300/100 BI/PD - 500 Comp/CollisionFemale$1,706Male$1,784

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.

StateAgeAverage annual rate
Alaska165,989
Alaska175,332
Alaska184,604
Alaska193,444
Alaska203,112
Alaska212,499
Alaska222,218
Alaska232,018
Alaska241,891
Alaska251,618
Alaska351,428
Alaska451,318
Alaska551,199
Alaska651,316
Alaska751,554
Alaska851,767
Alabama167,282
Alabama176,454
Alabama185,649
Alabama194,234
Alabama203,782
Alabama212,620
Alabama222,412
Alabama232,227
Alabama242,083
Alabama251,723
Alabama351,539
Alabama451,479
Alabama551,372
Alabama651,409
Alabama751,660
Alabama852,053
Arkansas167,755
Arkansas177,111
Arkansas186,247
Arkansas194,028
Arkansas203,589
Arkansas212,722
Arkansas222,496
Arkansas232,306
Arkansas242,148
Arkansas251,936
Arkansas351,689
Arkansas451,550
Arkansas551,440
Arkansas651,452
Arkansas751,776
Arkansas852,203
Arizona166,841
Arizona176,086
Arizona185,449
Arizona193,517
Arizona203,190
Arizona212,374
Arizona222,216
Arizona232,063
Arizona241,957
Arizona251,741
Arizona351,604
Arizona451,533
Arizona551,411
Arizona651,459
Arizona751,766
Arizona852,185
California167,656
California177,104
California186,415
California194,720
California204,384
California213,757
California223,396
California233,236
California242,937
California252,609
California352,185
California452,018
California551,876
California651,848
California752,152
California852,396
Colorado167,939
Colorado176,972
Colorado186,217
Colorado193,955
Colorado203,584
Colorado212,673
Colorado222,499
Colorado232,333
Colorado242,200
Colorado251,901
Colorado351,763
Colorado451,733
Colorado551,584
Colorado651,613
Colorado751,909
Colorado852,332
Connecticut1610,694
Connecticut178,617
Connecticut187,358
Connecticut195,076
Connecticut204,335
Connecticut213,551
Connecticut223,151
Connecticut232,875
Connecticut242,672
Connecticut252,392
Connecticut352,155
Connecticut451,914
Connecticut551,837
Connecticut651,846
Connecticut752,254
Connecticut852,854
DC168,577
DC176,805
DC186,025
DC193,846
DC203,353
DC212,700
DC222,487
DC232,249
DC242,087
DC251,907
DC351,739
DC451,690
DC551,594
DC651,675
DC752,222
DC852,728
Delaware168,520
Delaware177,297
Delaware186,182
Delaware194,248
Delaware203,810
Delaware212,884
Delaware222,633
Delaware232,390
Delaware242,219
Delaware252,022
Delaware351,775
Delaware451,736
Delaware551,614
Delaware651,668
Delaware752,047
Delaware852,479
Florida168,829
Florida178,260
Florida187,130
Florida195,268
Florida204,749
Florida214,037
Florida223,728
Florida233,452
Florida243,247
Florida252,964
Florida352,715
Florida452,502
Florida552,313
Florida652,313
Florida752,688
Florida853,487
Georgia168,195
Georgia176,675
Georgia185,877
Georgia194,328
Georgia203,857
Georgia213,137
Georgia222,885
Georgia232,666
Georgia242,487
Georgia252,023
Georgia351,799
Georgia451,638
Georgia551,549
Georgia651,684
Georgia752,057
Georgia852,556
Hawaii161,547
Hawaii171,424
Hawaii181,411
Hawaii191,309
Hawaii201,295
Hawaii211,287
Hawaii221,287
Hawaii231,287
Hawaii241,287
Hawaii251,287
Hawaii351,287
Hawaii451,287
Hawaii551,287
Hawaii651,287
Hawaii751,287
Hawaii851,287
Iowa164,647
Iowa173,926
Iowa183,425
Iowa192,534
Iowa202,295
Iowa211,841
Iowa221,662
Iowa231,542
Iowa241,454
Iowa251,323
Iowa351,146
Iowa451,054
Iowa55955
Iowa65978
Iowa751,140
Iowa851,380
Idaho165,847
Idaho175,184
Idaho184,601
Idaho192,827
Idaho202,526
Idaho211,962
Idaho221,837
Idaho231,693
Idaho241,614
Idaho251,390
Idaho351,194
Idaho451,105
Idaho551,019
Idaho651,054
Idaho751,301
Idaho851,622
Illinois165,979
Illinois175,305
Illinois184,518
Illinois193,053
Illinois202,810
Illinois212,097
Illinois221,951
Illinois231,813
Illinois241,725
Illinois251,488
Illinois351,292
Illinois451,208
Illinois551,098
Illinois651,160
Illinois751,493
Illinois851,869
Indiana166,264
Indiana174,992
Indiana184,366
Indiana192,915
Indiana202,615
Indiana212,135
Indiana221,933
Indiana231,790
Indiana241,654
Indiana251,455
Indiana351,314
Indiana451,237
Indiana551,127
Indiana651,147
Indiana751,347
Indiana851,673
Kansas166,267
Kansas175,307
Kansas184,742
Kansas193,215
Kansas202,935
Kansas212,289
Kansas222,138
Kansas231,996
Kansas241,891
Kansas251,680
Kansas351,484
Kansas451,408
Kansas551,279
Kansas651,291
Kansas751,477
Kansas851,794
Kentucky1610,120
Kentucky177,983
Kentucky186,631
Kentucky194,307
Kentucky203,891
Kentucky213,087
Kentucky222,884
Kentucky232,685
Kentucky242,556
Kentucky252,027
Kentucky351,845
Kentucky451,682
Kentucky551,543
Kentucky651,561
Kentucky751,894
Kentucky852,387
Louisiana1611,797
Louisiana1710,134
Louisiana188,766
Louisiana195,679
Louisiana205,227
Louisiana214,448
Louisiana223,800
Louisiana233,562
Louisiana243,398
Louisiana252,851
Louisiana352,644
Louisiana452,547
Louisiana552,324
Louisiana652,565
Louisiana752,540
Louisiana852,531
Massachusetts165,443
Massachusetts175,086
Massachusetts184,876
Massachusetts193,613
Massachusetts203,401
Massachusetts213,000
Massachusetts221,857
Massachusetts231,752
Massachusetts241,702
Massachusetts251,626
Massachusetts351,507
Massachusetts451,469
Massachusetts551,413
Massachusetts651,159
Massachusetts751,238
Massachusetts851,351
Maryland166,891
Maryland175,700
Maryland185,035
Maryland194,018
Maryland203,575
Maryland212,761
Maryland222,498
Maryland232,287
Maryland242,057
Maryland251,865
Maryland351,648
Maryland451,615
Maryland551,479
Maryland651,721
Maryland751,753
Maryland851,753
Maine164,643
Maine174,306
Maine183,717
Maine192,346
Maine202,039
Maine211,751
Maine221,554
Maine231,399
Maine241,284
Maine251,096
Maine35958
Maine45879
Maine55862
Maine65854
Maine75853
Maine85849
Michigan1614,612
Michigan1710,653
Michigan189,488
Michigan196,556
Michigan205,492
Michigan214,358
Michigan224,030
Michigan233,732
Michigan243,495
Michigan253,166
Michigan352,909
Michigan452,900
Michigan552,700
Michigan652,720
Michigan753,367
Michigan854,125
Minnesota165,714
Minnesota174,656
Minnesota184,375
Minnesota192,909
Minnesota202,643
Minnesota212,091
Minnesota221,958
Minnesota231,833
Minnesota241,744
Minnesota251,508
Minnesota351,347
Minnesota451,233
Minnesota551,126
Minnesota651,178
Minnesota751,380
Minnesota851,682
Missouri166,810
Missouri175,144
Missouri184,495
Missouri193,219
Missouri202,878
Missouri212,282
Missouri222,068
Missouri231,918
Missouri241,796
Missouri251,583
Missouri351,403
Missouri451,350
Missouri551,220
Missouri651,211
Missouri751,438
Missouri851,794
Mississippi167,084
Mississippi175,875
Mississippi184,857
Mississippi193,355
Mississippi202,945
Mississippi212,495
Mississippi222,245
Mississippi232,043
Mississippi241,897
Mississippi251,840
Mississippi351,569
Mississippi451,400
Mississippi551,308
Mississippi651,305
Mississippi751,632
Mississippi852,076
Montana166,418
Montana175,352
Montana184,723
Montana193,470
Montana203,172
Montana212,537
Montana222,348
Montana232,114
Montana241,964
Montana251,727
Montana351,562
Montana451,530
Montana551,407
Montana651,463
Montana751,804
Montana852,180
North Carolina163,461
North Carolina172,741
North Carolina182,399
North Carolina191,336
North Carolina201,322
North Carolina211,280
North Carolina221,271
North Carolina231,255
North Carolina241,268
North Carolina251,243
North Carolina351,181
North Carolina451,150
North Carolina551,108
North Carolina651,126
North Carolina751,217
North Carolina851,276
North Dakota165,993
North Dakota174,732
North Dakota184,330
North Dakota192,778
North Dakota202,532
North Dakota211,971
North Dakota221,819
North Dakota231,681
North Dakota241,599
North Dakota251,366
North Dakota351,243
North Dakota451,155
North Dakota551,056
North Dakota651,039
North Dakota751,202
North Dakota851,431
Nebraska165,624
Nebraska174,663
Nebraska184,045
Nebraska192,807
Nebraska202,555
Nebraska211,973
Nebraska221,850
Nebraska231,727
Nebraska241,637
Nebraska251,436
Nebraska351,301
Nebraska451,230
Nebraska551,135
Nebraska651,125
Nebraska751,323
Nebraska851,652
New Hampshire167,050
New Hampshire176,030
New Hampshire185,222
New Hampshire193,036
New Hampshire202,639
New Hampshire212,185
New Hampshire221,954
New Hampshire231,806
New Hampshire241,676
New Hampshire251,383
New Hampshire351,236
New Hampshire451,159
New Hampshire551,066
New Hampshire651,212
New Hampshire751,534
New Hampshire851,817
New Jersey166,871
New Jersey175,740
New Jersey184,994
New Jersey193,575
New Jersey203,213
New Jersey212,819
New Jersey222,617
New Jersey232,387
New Jersey242,251
New Jersey252,004
New Jersey351,722
New Jersey451,595
New Jersey551,520
New Jersey651,434
New Jersey751,508
New Jersey851,718
New Mexico167,815
New Mexico176,800
New Mexico185,784
New Mexico193,564
New Mexico203,109
New Mexico212,345
New Mexico222,159
New Mexico231,977
New Mexico241,839
New Mexico251,627
New Mexico351,488
New Mexico451,387
New Mexico551,276
New Mexico651,327
New Mexico751,709
New Mexico852,143
Nevada169,452
Nevada177,234
Nevada186,559
Nevada194,435
Nevada204,018
Nevada213,334
Nevada223,065
Nevada232,793
Nevada242,604
Nevada252,402
Nevada352,077
Nevada451,905
Nevada551,770
Nevada651,773
Nevada752,079
Nevada852,643
New York165,806
New York175,498
New York184,911
New York193,697
New York203,371
New York212,766
New York222,613
New York232,459
New York242,354
New York251,935
New York351,920
New York451,777
New York551,707
New York651,743
New York751,987
New York852,288
Ohio165,391
Ohio174,867
Ohio184,232
Ohio192,587
Ohio202,298
Ohio211,750
Ohio221,604
Ohio231,477
Ohio241,357
Ohio251,188
Ohio351,051
Ohio45997
Ohio55910
Ohio65941
Ohio751,162
Ohio851,454
Oklahoma168,050
Oklahoma177,234
Oklahoma186,261
Oklahoma193,889
Oklahoma203,519
Oklahoma213,035
Oklahoma222,734
Oklahoma232,506
Oklahoma242,353
Oklahoma252,095
Oklahoma351,894
Oklahoma451,812
Oklahoma551,632
Oklahoma651,642
Oklahoma751,920
Oklahoma852,348
Oregon167,769
Oregon176,399
Oregon185,596
Oregon193,685
Oregon203,206
Oregon212,473
Oregon222,248
Oregon232,051
Oregon241,898
Oregon251,712
Oregon351,595
Oregon451,504
Oregon551,402
Oregon651,391
Oregon751,685
Oregon852,186
Pennsylvania165,755
Pennsylvania174,997
Pennsylvania184,358
Pennsylvania193,432
Pennsylvania202,986
Pennsylvania212,651
Pennsylvania222,456
Pennsylvania232,292
Pennsylvania242,063
Pennsylvania251,732
Pennsylvania351,600
Pennsylvania451,503
Pennsylvania551,391
Pennsylvania651,434
Pennsylvania751,714
Pennsylvania852,082
Rhode Island1610,898
Rhode Island179,315
Rhode Island187,857
Rhode Island194,854
Rhode Island204,150
Rhode Island213,519
Rhode Island223,212
Rhode Island232,909
Rhode Island242,680
Rhode Island252,286
Rhode Island352,090
Rhode Island451,939
Rhode Island551,803
Rhode Island652,279
Rhode Island752,414
Rhode Island852,435
South Carolina166,537
South Carolina175,706
South Carolina185,086
South Carolina193,747
South Carolina203,394
South Carolina212,861
South Carolina222,611
South Carolina232,430
South Carolina242,249
South Carolina252,041
South Carolina351,767
South Carolina451,653
South Carolina551,545
South Carolina651,590
South Carolina751,905
South Carolina852,264
South Dakota166,753
South Dakota175,443
South Dakota184,838
South Dakota192,922
South Dakota202,678
South Dakota212,096
South Dakota221,946
South Dakota231,819
South Dakota241,727
South Dakota251,517
South Dakota351,337
South Dakota451,226
South Dakota551,110
South Dakota651,107
South Dakota751,263
South Dakota851,467
Tennessee168,533
Tennessee176,405
Tennessee185,289
Tennessee193,285
Tennessee202,861
Tennessee212,306
Tennessee222,076
Tennessee231,898
Tennessee241,737
Tennessee251,555
Tennessee351,337
Tennessee451,214
Tennessee551,121
Tennessee651,169
Tennessee751,512
Tennessee851,898
Texas167,378
Texas176,343
Texas185,685
Texas194,839
Texas203,554
Texas212,893
Texas222,613
Texas232,428
Texas242,296
Texas251,973
Texas351,761
Texas451,618
Texas551,510
Texas651,589
Texas751,867
Texas852,249
Utah166,713
Utah175,554
Utah184,912
Utah193,168
Utah202,833
Utah212,114
Utah221,948
Utah231,794
Utah241,677
Utah251,499
Utah351,332
Utah451,267
Utah551,164
Utah651,205
Utah751,511
Utah851,848
Virginia164,715
Virginia173,948
Virginia183,438
Virginia192,638
Virginia202,366
Virginia211,716
Virginia221,572
Virginia231,445
Virginia241,355
Virginia251,186
Virginia351,026
Virginia45929
Virginia55868
Virginia65919
Virginia751,140
Virginia851,468
Vermont164,947
Vermont174,192
Vermont183,910
Vermont192,619
Vermont202,341
Vermont211,858
Vermont221,720
Vermont231,585
Vermont241,493
Vermont251,274
Vermont351,137
Vermont451,004
Vermont55939
Vermont651,000
Vermont751,261
Vermont851,621
Washington166,187
Washington175,166
Washington184,476
Washington193,053
Washington202,615
Washington212,241
Washington222,003
Washington231,838
Washington241,718
Washington251,574
Washington351,354
Washington451,269
Washington551,183
Washington651,224
Washington751,462
Washington851,815
Wisconsin166,703
Wisconsin175,637
Wisconsin184,802
Wisconsin192,819
Wisconsin202,493
Wisconsin211,978
Wisconsin221,849
Wisconsin231,710
Wisconsin241,613
Wisconsin251,378
Wisconsin351,227
Wisconsin451,148
Wisconsin551,043
Wisconsin651,058
Wisconsin751,248
Wisconsin851,465
West Virginia166,073
West Virginia175,432
West Virginia184,761
West Virginia193,694
West Virginia203,317
West Virginia212,320
West Virginia222,148
West Virginia231,973
West Virginia241,793
West Virginia251,588
West Virginia351,452
West Virginia451,351
West Virginia551,267
West Virginia651,309
West Virginia751,561
West Virginia851,924
Wyoming165,327
Wyoming174,291
Wyoming183,717
Wyoming193,090
Wyoming202,709
Wyoming212,451
Wyoming222,263
Wyoming232,105
Wyoming242,035
Wyoming251,577
Wyoming351,439
Wyoming451,384
Wyoming551,257
Wyoming651,314
Wyoming751,562
Wyoming851,815

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. 

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.


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22 Responses to "Average car insurance rates by age"
  1. Dallas Worrell

    Thank you for such informative post. The downside of auto insurance is that owners have little knowledge about the coverage required for the insurance and they end up spending more than what they need to. By knowing your needs, and the mandatory laws regarding cover you can already start choosing low cost auto insurance. Though the age factor does affect the coverage cost for the insurance. Before you decide on purchasing insurance it is important to look at some aspects to getting cheaper insurance.

      Reply»  
  2. shamus

    So interesting to see how the rates change as a driver gets older and more mature.

      Reply»  
  3. Mallary

    This helped me with an Algebra 2 project! Thanks so much! Great info.

      Reply»  
  4. Zjonni

    This is pretty helpful for if you are just starting out shopping for car insurance :) Thanks, Penny for the great estimate!

      Reply»  
  5. Visitor

    Thanks! Helpful because this was the only site I've found that has a specific average listed. And I've been looking around everywhere for this information.

      Reply»  
  6. Visitor

    The only site I found that gave a specific average cost. Thanks!

      Reply»  
  7. Visitor

    Give me a chart with the actual prices of all car insurance place in dollars NOT percentages.

      Reply»  
  8. Visitor

    Thanks, this website is very helpful!

      Reply»  
  9. Visitor

    Need prices.

      Reply»  
  10. Visitor

    I agree there should be prices.

      Reply»  
  11. Visitor

    I would like it to state some prices!

      Reply»  
  12. Visitor

    Great information. Thanks!

      Reply»  
  13. Anonymous

    Having an insurance calculator that actually calculated your average insurance rate using general questions as points of reference would be nice.

      Reply»  
  14. Anonymous

    It can sometimes be very difficult to define the amount of coverage a person needs to be protected from accidents.

      Reply»  
  15. Anonymous

    quite helpful...... :) i like chicken nuggets

      Reply»  
  16. Anonymous

    Everyone knows women are a liability regarding drvivng!

      Reply»  
  17. Anonymous

    I have recently had 5 car accidents and no severe injuries but carinsurance.com has helped me through everything! I am so pleased!!

      Reply»  
  18. Anonymous

    go car insurance

      Reply»  
  19. Anonymous

    Well it is not you alls fault. The statement about males being more aggressive behind the wheel is completely false. Every female I know have heavy feet, and so does everyone knows this is true. They also almost all of the time let go of the wheel immediately when something goes wrong.

      Reply»  
  20. Anonymous

    IT WAS TOTALLY AWSOME

      Reply»  
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