Adult drivers tend to pay some of the lowest car insurance rates compared to other age groups. On average, a full coverage premium for drivers in this age group costs $1,908 a year or $159 a month which is dramatically lower than teens or young adults.

While carrying state-required liability-only coverage will lower your insurance bill, if you are in a serious accident you will most likely exceed your coverage, leaving you to cover any additional costs out of pocket. 

Key Highlights
  • The national average for adult drivers is $1,908 a year or $159 a month.
  • Louisiana is the most expensive state for adult drivers with an average premium of $2,866 or $239 monthly for full coverage. 
  • USAA has the cheapest rates for adult drivers while Farmers were the most expensive. 
author-img
Written by:
Mark Vallet
Contributing Researcher
Mark is a freelance journalist and analyst with over 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing. He has written for autos.com, carsdirect.com, DARCARS and Madtown Designs to name just a few. He is also a professional blogger and a skilled web content creator who consistently turns out engaging, error-free writing while juggling multiple projects.
author
Reviewed by:
Laura Longero
reviewer icon
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.

Average car insurance rates for adults

Adults aged 25-60 enjoy some of the lowest car insurance rates compared to other age groups. They have moved past the riskier teen years and their reflexes have not started to slow which can impact senior drivers. In addition, adult drivers tend to drive more safely out on the road because kids are often in the car. 

Statistics show adult drivers are a lower risk out on the road, the national average full coverage premium for drivers in this age group is $1,908 a year or $159 a month. The only age group with a lower average (although not much lower)  is seniors (65-75) who pay an average of $1,886 per year, or $157 a month.

Teens (16-19) and young adults are on the other side of the pricing spectrum. The national annual average for teens is a whopping $5,914 – $493 a month for a full coverage policy. While prices drop slightly for young adults (20-24), they still pay $3,092 a year or $258 a month. This is 62% more than adults pay.  

Check out our detailed guide on how to shop for car insurance for adult drivers

Monthly car insurance cost for adults

Insurance companies rate risk differently which can result in dramatically different premiums. 

When it comes to pricing for adult drivers, shopping around can certainly save some money. 

We ran the numbers and found that USAA offered the cheapest monthly premium for full coverage at $118 a month. USAA is only available to military community members and their families. 

Nationwide has the second-lowest premium at $130 per month and Auto-Owners was only $1 per month more at $131. 

On the other end of the spectrum, Farmers’ full coverage monthly premium came in at $233, which is 97% more than the USAA premium. Allstate at $224 was the second-most expensive and State Farm rounded out the top three at $170. 

If you want to save money on your car insurance policy, here are a few tips:

  • Shop your coverage: As the numbers above clearly show, premiums can vary dramatically between insurance companies. Shopping your coverage regularly is one of the best ways to save. Gather quotes from at least three insurers, and make sure you compare apples to apples regarding coverage levels and deductibles. 
  • Raise your deductible: Doubling your deductible can help lower your premium as insurers like it when you have more skin in the game. Always choose a deductible you can easily afford if you have to make a claim.
  • Consider driver monitoring: Many insurers offer telematic devices or apps that monitor your driving for a few months and if they like what they see, they will offer a discount. Allstate Drivewise is a good example. 

How much does car insurance for adults cost in each state?

Where you live can have a major impact on your car insurance premium. If you live in an area with frequent severe weather, you will pay more for coverage than drivers in other states. Even state laws can impact the cost of car insurance. 

We had our data analysts run the numbers to find the average premium for adults in each state. When it comes to expensive car insurance, Louisiana was the most expensive state with an average annual premium of $2,866 or $239 a month.

Florida was the second-most expensive state at $2,712. If you have retired early or have a second home in Florida you will have to pay some of the highest insurance rates in the country on your vehicles there. Rounding out the top three is California at $2,460 a year or $205 a month.

If you want to keep your insurance premium low, make the move to Maine where the average premium is $1,224 a year or $102 a month. New Hampshire was the second cheapest at $1,306 annually or $109 a month, followed by Vermont at $1,349 and $112.

Annual and monthly cost of car insurance for adults, by state
State Annual Full Coverage Rate Monthly Full Coverage Rate
Alaska$1,685$140
Alabama$1,857$155
Arkansas$1,922$160
Arizona$1,812$151
California$2,460$205
Colorado$2,382$199
Connecticut$1,752$146
Washington, D.C.$2,194$183
Delaware$2,074$173
Florida$2,712$226
Georgia$2,014$168
Hawaii$1,517$126
Iowa$1,634$136
Idaho$1,451$121
Illinois$1,558$130
Indiana$1,517$126
Kansas$1,889$157
Kentucky$2,261$188
Louisiana$2,866$239
Massachusetts$1,734$145
Maryland$1,771$148
Maine$1,224$102
Michigan$2,239$187
Minnesota$1,910$159
Missouri$2,025$169
Mississippi$2,031$169
Montana$2,170$181
North Carolina$1,736$145
North Dakota$1,699$142
Nebraska$1,910$159
New Hampshire$1,306$109
New Jersey$1,913$159
New Mexico$2,030$169
Nevada$2,049$171
New York$1,883$157
Ohio$1,430$119
Oklahoma$2,139$178
Oregon$1,649$137
Pennsylvania$1,895$158
Rhode Island$2,084$174
South Carolina$2,029$169
South Dakota$2,275$190
Tennessee$1,694$141
Texas$2,074$173
Utah$1,788$149
Virginia$1,466$122
Vermont$1,349$112
Washington$1,606$134
Wisconsin$1,668$139
West Virginia$2,013$168
Wyoming$1,776$148

Why do car insurance rates vary by state?

The state that you live in will have an impact on your car insurance rates. Severe weather, crime rates and state insurance regulations can increase your premium. Insurers must pay to repair or replace your vehicle if it is damaged by weather so they will charge more in high-risk areas. 

Louisiana was the most expensive state for adults when it comes to car insurance. Louisiana makes it easy for drivers to sue after an accident, leading to thousands of lawsuits a year which help push up insurance rates. Louisiana also has a pretty high crime rate which will also impact rates. 

Florida was the second most-expensive state for adult drivers. Florida has recently experienced a few major storms, leading to rising insurance rates. In addition, Florida has a huge number of uninsured drivers out on the road, roughly 20.4% of drivers in the Sunshine State are not carrying insurance according to the Insurance Information Institute. 

When it comes to cheap car insurance, Maine is the place to be, the average premium is $1,224 a year or $102 a month. New Hampshire was the second-most affordable at $1,306 annually or  $109 a month, followed by Vermont at $1,349 and $112 monthly. These states are more rural, so fewer drivers are out on the road, leading to fewer accidents and claims. 

Cheapest car insurance companies for adults

When it comes to full coverage levels, USAA was the cheapest option at $1,420 a year. Nationwide was the second most affordable with a yearly premium of $1,563 and Auto Owners came in at $1,571.

If you have a newer vehicle and significant assets, you will want to ensure you are fully protected in an at-fault accident with full coverage. Carrying higher liability levels will ensure you are covered against lawsuits if you injure someone or their property with your vehicle. 

When it comes to car insurance, the coverages and the coverage levels you are carrying will impact your premium. While carrying liability-only can be a money saver, in the end, it can leave you on the hook for some massive bills if you are at fault for an accident. 

Car insurance is broken down into liability, comprehensive, and collision. Here is a quick overview of each coverage:

  • Liability: Liability insurance will pay to repair damage to other people or their property. The bodily injury section of the policy will pay for medical and legal bills if you injure someone with your vehicle. The property damage portion of the policy will cover damage to someone’s property.

Liability coverage has three levels: per person, accident, and property damage. This means that 50/100/50 liability coverage means you have coverage levels of $50,000 per person in an accident, $100,000 total per accident, and $50,000 in property damage protection. 

  • Collision: This is not state-required coverage, but if you have a newer car or have a loan or lease on the vehicle you will want to carry collision. Collision pays to repair or replace your vehicle after an accident.  If you are not carrying collision coverage and are at fault for an accident you will have to cover the cost of repairing or replacing your vehicle on your own. 
  • Comprehensive: This insurance will pay to repair your vehicle that is caused by flood, fire, theft, vandalism, animal strikes, and other covered perils. It does not cover damage caused by a car accident.
Annual cost of car insurance for adults, by company
Company State Minimum RateLiability (50/100/50) Full Coverage Rate
Allstate$722$917$2,683
Auto-Owners$345$422$1,571
Farmers$774$1,092$2,790
Geico$409$557$1,792
Nationwide$532$654$1,563
Progressive$543$689$2,033
State Farm$528$679$2,042
Travelers$554$679$1,686
USAA$341$442$1,420

Cheapest monthly car insurance rates for adults

There is a good chance your insurers will offer a discount if you pay your premium annually or every six months but many drivers pay monthly. Our analysts looked at the data to find the insurers with the best monthly premiums for adults and which states are the cheapest monthly.

According to the data, USAA was the cheapest monthly option for full coverage at $118 a month. Nationwide came in at $130 a month and Auto-Owners was slightly higher at $131. 

Farmers’ full coverage premium was quite a bit more expensive, at $233 per month. This is 97% more than the USAA premium, showing that shopping your coverage is a great way to save money. Allstate at $224 was the second most expensive and State Farm was $170. 

See more rates by company in the table below.

Cheapest monthly rates for adults, by company
CompanyMonthly Full Coverage Rate
USAA$118
Nationwide$130
Auto-Owners$131
Travelers$140
Geico$149
Progressive$169
State Farm$170
Allstate$224
Farmers$233

Resources & Methodology

Sources

Insurance Information Institute. “Facts + Statistics: Uninsured motorists.” Accessed February 2024.

Methodology

CarInsurance.com editors in 2023 collected rates from Quadrant Information Services for a 40-year-old male driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. We analyzed 53,409,632 records, 34,588 ZIP codes and 170 insurance companies nationwide.

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

Ask the Insurance Expert

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.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Compare top carriers in your area Get quotes near you!
Please enter valid zip
author image
Contributing Researcher

Mark is a freelance journalist and analyst with over 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing. He has written for autos.com, carsdirect.com, DARCARS and Madtown Designs to name just a few. He is also a professional blogger and a skilled web content creator who consistently turns out engaging, error-free writing while juggling multiple projects.