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.
The chart below includes full coverage car insurance rates by age and gender.
| Driver age | Female | Male |
|---|---|---|
| 16 | $6,742 | $7,530 |
| 17 | $5,615 | $6,261 |
| 18 | $4,943 | $5,533 |
| 19 | $3,871 | $4,360 |
| 20 | $3,527 | $3,935 |
| 21 | $2,953 | $3,226 |
| 22 | $2,745 | $2,962 |
| 23 | $2,578 | $2,751 |
| 24 | $2,448 | $2,590 |
| 25 | $2,219 | $2,291 |
| 30 | $2,003 | $2,014 |
| 35 | $1,941 | $1,947 |
| 40 | $1,894 | $1,895 |
| 45 | $1,868 | $1,865 |
| 50 | $1,783 | $1,790 |
| 55 | $1,725 | $1,743 |
| 60 | $1,704 | $1,724 |
| 65 | $1,728 | $1,752 |
| 70 | $1,819 | $1,859 |
| 75 | $1,969 | $2,046 |
Average car insurance rates 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.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| Allstate | $3,569 | $297 |
| Farmers | $3,261 | $272 |
| Geico | $2,214 | $185 |
| Mercury Insurance | $3,358 | $280 |
| National General Insurance | $3,103 | $259 |
| Nationwide | $2,150 | $179 |
| Progressive | $2,902 | $242 |
| State Farm | $2,119 | $177 |
| Travelers | $2,356 | $196 |
| United Automobile Insurance | $2,796 | $233 |
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.
| Age | Company Group | Average annual premium | Average monthly premium |
|---|---|---|---|
| 16 | Allstate | $9,968 | $831 |
| 16 | Farmers | $11,592 | $966 |
| 16 | Geico | $6,375 | $531 |
| 16 | Nationwide | $6,094 | $508 |
| 16 | Progressive | $9,295 | $775 |
| 16 | State Farm | $6,339 | $528 |
| 16 | Travelers | $6,334 | $528 |
| 16 | USAA | $6,239 | $520 |
| 17 | Allstate | $8,041 | $670 |
| 17 | Farmers | $9,030 | $753 |
| 17 | Geico | $5,431 | $453 |
| 17 | Nationwide | $5,664 | $472 |
| 17 | Progressive | $7,962 | $664 |
| 17 | State Farm | $5,628 | $469 |
| 17 | Travelers | $4,991 | $416 |
| 17 | USAA | $4,494 | $375 |
| 18 | Allstate | $6,871 | $573 |
| 18 | Farmers | $7,903 | $659 |
| 18 | Geico | $4,644 | $387 |
| 18 | Nationwide | $5,173 | $431 |
| 18 | Progressive | $7,035 | $586 |
| 18 | State Farm | $5,053 | $421 |
| 18 | Travelers | $4,196 | $350 |
| 18 | USAA | $3,790 | $316 |
| 19 | Allstate | $5,170 | $431 |
| 19 | Farmers | $5,155 | $430 |
| 19 | Geico | $3,759 | $313 |
| 19 | Nationwide | $4,209 | $351 |
| 19 | Progressive | $4,591 | $383 |
| 19 | State Farm | $4,320 | $360 |
| 19 | Travelers | $3,391 | $283 |
| 19 | USAA | $3,017 | $251 |
| 20 | Allstate | $4,728 | $394 |
| 20 | Farmers | $4,715 | $393 |
| 20 | Geico | $3,387 | $282 |
| 20 | Nationwide | $3,652 | $304 |
| 20 | Progressive | $4,171 | $348 |
| 20 | State Farm | $3,904 | $325 |
| 20 | Travelers | $3,029 | $252 |
| 20 | USAA | $2,757 | $230 |
| 21 | Allstate | $3,896 | $325 |
| 21 | Farmers | $3,728 | $311 |
| 21 | Geico | $2,764 | $230 |
| 21 | Nationwide | $2,551 | $213 |
| 21 | Progressive | $3,401 | $283 |
| 21 | State Farm | $3,354 | $280 |
| 21 | Travelers | $2,526 | $211 |
| 21 | USAA | $2,179 | $182 |
| 22 | Allstate | $3,604 | $300 |
| 22 | Farmers | $3,418 | $285 |
| 22 | Geico | $2,508 | $209 |
| 22 | Nationwide | $2,312 | $193 |
| 22 | Progressive | $3,109 | $259 |
| 22 | State Farm | $3,100 | $258 |
| 22 | Travelers | $2,338 | $195 |
| 22 | USAA | $2,048 | $171 |
| 23 | Allstate | $3,369 | $281 |
| 23 | Farmers | $3,170 | $264 |
| 23 | Geico | $2,355 | $196 |
| 23 | Nationwide | $2,182 | $182 |
| 23 | Progressive | $2,865 | $239 |
| 23 | State Farm | $2,829 | $236 |
| 23 | Travelers | $2,193 | $183 |
| 23 | USAA | $1,949 | $162 |
| 24 | Allstate | $3,188 | $266 |
| 24 | Farmers | $3,031 | $253 |
| 24 | Geico | $2,222 | $185 |
| 24 | Nationwide | $2,085 | $174 |
| 24 | Progressive | $2,677 | $223 |
| 24 | State Farm | $2,640 | $220 |
| 24 | Travelers | $2,069 | $172 |
| 24 | USAA | $1,864 | $155 |
| 25 | Allstate | $2,911 | $243 |
| 25 | Farmers | $2,646 | $221 |
| 25 | Geico | $2,034 | $170 |
| 25 | Nationwide | $1,831 | $153 |
| 25 | Progressive | $2,369 | $197 |
| 25 | State Farm | $2,321 | $193 |
| 25 | Travelers | $1,832 | $153 |
| 25 | USAA | $1,749 | $146 |
| 30 | Allstate | $2,626 | $219 |
| 30 | Farmers | $2,456 | $205 |
| 30 | Geico | $1,829 | $152 |
| 30 | Nationwide | $1,626 | $136 |
| 30 | Progressive | $2,182 | $182 |
| 30 | State Farm | $2,043 | $170 |
| 30 | Travelers | $1,733 | $144 |
| 30 | USAA | $1,503 | $125 |
| 35 | Allstate | $2,539 | $212 |
| 35 | Farmers | $2,399 | $200 |
| 35 | Geico | $1,791 | $149 |
| 35 | Nationwide | $1,593 | $133 |
| 35 | Progressive | $2,107 | $176 |
| 35 | State Farm | $1,993 | $166 |
| 35 | Travelers | $1,689 | $141 |
| 35 | USAA | $1,432 | $119 |
| 40 | Allstate | $2,509 | $209 |
| 40 | Farmers | $2,387 | $199 |
| 40 | Geico | $1,763 | $147 |
| 40 | Nationwide | $1,548 | $129 |
| 40 | Progressive | $1,998 | $167 |
| 40 | State Farm | $1,975 | $165 |
| 40 | Travelers | $1,587 | $132 |
| 40 | USAA | $1,381 | $115 |
| 45 | Allstate | $2,483 | $207 |
| 45 | Farmers | $2,342 | $195 |
| 45 | Geico | $1,762 | $147 |
| 45 | Nationwide | $1,496 | $125 |
| 45 | Progressive | $1,986 | $166 |
| 45 | State Farm | $1,950 | $163 |
| 45 | Travelers | $1,565 | $130 |
| 45 | USAA | $1,341 | $112 |
| 50 | Allstate | $2,380 | $198 |
| 50 | Farmers | $2,233 | $186 |
| 50 | Geico | $1,698 | $142 |
| 50 | Nationwide | $1,438 | $120 |
| 50 | Progressive | $1,851 | $154 |
| 50 | State Farm | $1,889 | $157 |
| 50 | Travelers | $1,528 | $127 |
| 50 | USAA | $1,298 | $108 |
| 55 | Allstate | $2,314 | $193 |
| 55 | Farmers | $2,152 | $179 |
| 55 | Geico | $1,670 | $139 |
| 55 | Nationwide | $1,380 | $115 |
| 55 | Progressive | $1,793 | $149 |
| 55 | State Farm | $1,822 | $152 |
| 55 | Travelers | $1,425 | $119 |
| 55 | USAA | $1,274 | $106 |
| 60 | Allstate | $2,298 | $192 |
| 60 | Farmers | $2,083 | $174 |
| 60 | Geico | $1,664 | $139 |
| 60 | Nationwide | $1,351 | $113 |
| 60 | Progressive | $1,790 | $149 |
| 60 | State Farm | $1,782 | $149 |
| 60 | Travelers | $1,424 | $119 |
| 60 | USAA | $1,266 | $106 |
| 65 | Allstate | $2,352 | $196 |
| 65 | Farmers | $2,144 | $179 |
| 65 | Geico | $1,662 | $139 |
| 65 | Nationwide | $1,372 | $114 |
| 65 | Progressive | $1,836 | $153 |
| 65 | State Farm | $1,757 | $146 |
| 65 | Travelers | $1,460 | $122 |
| 65 | USAA | $1,290 | $108 |
| 70 | Allstate | $2,430 | $203 |
| 70 | Farmers | $2,295 | $191 |
| 70 | Geico | $1,769 | $147 |
| 70 | Nationwide | $1,439 | $120 |
| 70 | Progressive | $1,977 | $165 |
| 70 | State Farm | $1,833 | $153 |
| 70 | Travelers | $1,547 | $129 |
| 70 | USAA | $1,378 | $115 |
| 75 | Allstate | $2,647 | $221 |
| 75 | Farmers | $2,434 | $203 |
| 75 | Geico | $1,931 | $161 |
| 75 | Nationwide | $1,557 | $130 |
| 75 | Progressive | $2,189 | $182 |
| 75 | State Farm | $1,968 | $164 |
| 75 | Travelers | $1,712 | $143 |
| 75 | USAA | $1,533 | $128 |
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.
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 April 2024.
FAQ
What age does car insurance go down?
Your car insurance rates should fall as you age. Generally, rates start to fall in your 20s and level out around age 25. They’ll decrease further until your 70s when they’ll head back up.
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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