Average car insurance rates by age and gender for 2025

Average car insurance rates by age and gender

Teen drivers pay the most for car insurance because they have less experience on the road. Gender also comes into play, with male teens paying more for car insurance than their female counterparts. For example, male 16-year-olds pay an average of $7,530 for car insurance, while female 16-year-olds pay an average of $6,742.

As drivers gain more experience behind the wheel, insurance companies tend to lower their car insurance rates. By age 40, male drivers pay an average of $1,895 per year for full coverage car insurance, while female drivers pay $1,894.

Take a look at the chart of car insurance rates by age below.

Average car insurance cost by age and state

Where you live can have a big impact on your car insurance costs. While the general trend of younger drivers paying more for car insurance often holds true, it’s more pronounced in some states than others. 

For example, 16-year-olds in Alaska pay an average of $539 monthly for full-coverage car insurance. 50-year-olds in the same state pay an average of $130 monthly for the same coverage. 

In contrast, 16-year-old drivers in Florida pay an average of $919 per month for full-coverage car insurance, while 50-year-old drivers in the same state pay an average of $220 per month. 

The table below showcases drivers' average car insurance rates in each state, broken down by age.

Average car insurance rates by age and company

Every company has slightly different methods of determining car insurance rates. Some insurance companies are more willing to work with young drivers, which is reflected in lower average costs or discounts designed for young drivers with safe habits. 

For example, Allstate and Farmers tend to have higher rates for 16-year-old drivers than USAA and Geico, which offer rates on the lower end for young drivers. However, middle-aged drivers tend to find the lowest rates with USAA, Nationwide, and Travelers. Please note that USAA is only available to military community members and their families.

It’s a good idea to shop around for car insurance as you age or your circumstances change to find the most affordable option. The table below breaks down the average rates drivers face with popular insurers, broken down by age. 

Does age affect car insurance rates?

Yes, your age has a huge impact on your car insurance costs. A 16-year-old male pays more than 300% more than a 25-year-old male driver.

Insurance companies rely on extensive data to determine car insurance rates, and that data shows that younger drivers are at a much higher risk to insure because they’re inexperienced on the road and have more accidents. The Insurance Institute for Highway Safety (IIHS) reports that drivers aged 16 to 19 have a fatal crash rate three times higher than drivers aged 20 and up.

Insurers compensate for this higher risk by charging younger drivers higher premiums. 

At what age does car insurance go down?

Our data show that car insurance rates go down every year as you get older, until age 60, when drivers see the cheapest average rates.

Although it's often stated that rates drop at age 25, there are continuous reductions each year. After age 25, the reductions are generally smaller. Rates are affected by numerous factors, so it's not guaranteed that your rates will go down as you age. If, for example, you are involved in an at-fault accident, get a ticket or buy a new car that's more costly to insure, you'll see higher rates. Age is only one factor.

States that don’t allow age as a rating factor

Some states don’t allow age as a rating factor:

• Hawaii
• Massachusetts

In every other state, your age will affect your rates. Note that in Massachusetts, insurance companies can still use years of driving experience for rating, which means that a 16-year-old will pay more due to lack of experience, but so, too will a newly licensed 30-year-old.

Does gender affect insurance rates?

Gender can have a big impact on your car insurance costs. In general, male drivers pay more for car insurance than female drivers. But as drivers age, the gap between rates for males and females shrinks. 

Male drivers pay more for coverage because data shows that they’re more likely to get into accidents than female drivers. This difference is much bigger for younger drivers; older male drivers pay rates similar to females of the same age. The IIHS reports a higher incidence of fatal crashes among young male drivers; two out of three involved a teen male driver.

States that don’t allow gender as a rating factor

The states that don’t allow the use of gender as a rating factor are:

• California
• Hawaii
• Massachusetts
• Maine
• Michigan
• Montana
• North Carolina
• Pennsylvania

In other states, your gender will impact your car insurance rates. 

Methodology

Insurance.com commissioned insurance rates through Quadrant Data Services in 2023 across all ZIP codes and age groups from dozens of insurance companies. Rates are based on a 2021 Honda Accord LX for a driver with a clean record and good credit using a full coverage policy with 100/300/100 liability coverage and $500 deductibles.

Sources:

Insurance Information Institute. “What determines the price of an auto insurance policy?” Accessed March 2025.

FAQ

What age does car insurance go down for males?

Rates go down each year; there is no specific age at which rates drop. Rates are the lowest for male drivers at age 60.

At what age do insurance rates go down for females?

Female drivers will see their insurance rates go down every year, as long as they keep a clean driving record. Rates are the lowest at age 60.

Which gender pays more for car insurance?

Men tend to pay more for car insurance than women. That’s because men are statistically more likely to get into a car accident than women. However, in your 30s-50s, the rates will likely only differ by a few dollars yearly.

Which age group pays the most for car insurance?

Teen drivers tend to pay the most for car insurance. But young drivers often face elevated costs for car insurance into their mid-20s.

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