Car Insurance Rates by Age and State

Full coverage rates for teens, young adults and adults vary by state: rates fall with age, and some states cost far more than others at every point on that curve. Hawaii is the cheapest state for full coverage across all age groups, while Florida and Louisiana top the list for most age groups. 

Maine and Vermont also rank among the lowest-cost states, while Maryland, New Jersey and Nevada tend to sit at the expensive end for younger drivers. Adults aged 26 to 64 pay between $78 per month in Maine and $250 per month in Louisiana. This is a nearly threefold difference depending on your chosen coverage type.

Looking for other factors outside of age and state? MoneyGeek analyzed the average cost of car insurance for all driver types. 

Jump to:

• The cost of full coverage car insurance for teens (ages 16-19) by state
• The cost of full coverage car insurance for young adults (ages 20-25) by state
• The cost of full coverage car insurance for adults and seniors  (ages 26+) by state

Full coverage for a 16-year-old averages $508 per month nationally but ranges from $203 in Hawaii to $909 in Florida. Hawaii's low rates are due to a state law that limits how much insurers can weigh age in pricing; no other state comes close to its rates for teens. Maine ($256), Vermont ($289) and Idaho ($291) are the next most affordable states for 16-year-olds. Florida, New Jersey ($844) and Maryland ($776) are the most expensive. 

Rates fall from age 16 to 19 in every state. A 19-year-old pays an average of $91 less per month than a 16-year-old nationally, but the relative rankings between states stay stable across teen ages.

Full coverage for a 20-year-old averages $396 per month nationally, dropping to $298 per month by age 25, based on MoneyGeek's 2025 analysis. Hawaii ($203), Maine ($211) and Wyoming ($222) are the most affordable states for 20-year-olds. Louisiana ($786), Florida ($717) and New Jersey ($653) are the most expensive. Louisiana's rate for a 20-year-old is nearly four times Hawaii's. 

The gap between the cheapest and most expensive states narrows slightly as drivers move through their 20s. By 25, a driver in the most expensive states still pays more than twice what a driver in the cheapest states pays for identical coverage.

Adults aged 26 to 64 pay $125 per month for full coverage nationally, while senior drivers 65 and older pay $155 per month. Maine ($78) and Vermont ($80) are the cheapest states for adult drivers; Louisiana ($250) and Florida ($207) are the most expensive. Louisiana's rate is more than three times Maine's. For seniors, Maine is again the cheapest at $76 per month, while Florida ($269) and Louisiana ($250) are the most expensive. 

Car insurance rates for seniors are higher than those for middle-aged adults in every state, but the gap is relatively small in lower-cost states and wider in high-cost ones. Nevada ($229 for seniors) also ranks among the most expensive despite not appearing near the top for teen drivers.

Minimum coverage reduces monthly costs for all age groups, but state-by-state gaps remain large, and the same states that are expensive for full coverage tend to be expensive for minimum coverage too. 

A 16-year-old in New Jersey pays $502 per month for minimum coverage, more than six times the $80 a 16-year-old pays in Hawaii. For adults, the national average drops to $59 per month for minimum coverage, but Wyoming charges $26, while Louisiana charges $109. 

Seniors pay more than adults for minimum coverage in every state, with the national average at $79 per month. Drivers considering minimum coverage should weigh the cost savings against the lack of coverage for damage to their own vehicle.

Jump to:

• The cost of minimum coverage car insurance for teens (age 16-19) by state
• The cost of minimum coverage car insurance for young adults (age 20-25) by state
• The cost of minimum coverage car insurance for adults and seniors (age 25+) by state

Minimum coverage for a 16-year-old averages $259 per month nationally, about half the full coverage average, but the state range is still wide, from $80 in Hawaii to $502 in New Jersey and $481 in Louisiana, based on MoneyGeek's 2025 analysis. Wyoming ($90) and Vermont ($116) are among the most affordable states for teen minimum coverage. 

The high-cost states for minimum coverage are due to state-mandated coverage requirements and litigation environments that push even liability-only rates up. Rates fall from age 16 to 19 in every state, with 19-year-olds paying an average of $58 less per month than 16-year-olds for minimum coverage nationwide. Minimum coverage doesn't pay for damage to the teen's own vehicle, so full coverage is worth considering for any car that would be costly to replace.

Minimum coverage for a 20-year-old averages $189 per month nationally, dropping to $140 per month by age 25, based on MoneyGeek's 2025 analysis. Wyoming ($61), Hawaii ($80) and Vermont ($93) are the cheapest states for 20-year-olds on minimum coverage. New Jersey ($381), Louisiana ($353) and Maryland ($352) are the most expensive. 

A 20-year-old in New Jersey pays more than six times what a 20-year-old in Wyoming pays for the same minimum coverage. The decrease between 20 and 25 is about $49 per month nationally on minimum coverage. By 25, even the most expensive states have costs that are more manageable, though New Jersey and Louisiana are still well above the national average.

Adults pay $59 per month for minimum coverage nationally, while seniors pay $79 per month, based on MoneyGeek's 2025 analysis. Wyoming ($26), Vermont ($33) and Hawaii ($34) are the cheapest states for adult minimum coverage. Wyoming's rate is less than a quarter of Louisiana's $109. Delaware ($101) and New Jersey ($97) also rank among the most expensive for adults on minimum coverage, driven by high required coverage levels and dense traffic environments. For seniors, the same states lead on both ends: Maine and Hawaii are the cheapest, Florida and Louisiana are the most expensive. 

The 34% gap between average adult ($59) and senior ($79) minimum coverage rates is similar to the full coverage gap, showing that age-related pricing affects both coverage levels roughly equally.

A driving violation raises rates for every age group in every state, but the dollar impact is larger in already-expensive states and for younger drivers who are already paying high rates. A speeding ticket adds about $68 per month for a 16-year-old nationally and $29 per month for an adult, but in Louisiana, a 20-year-old with a speeding ticket pays $874 per month, compared to $226 in Hawaii. 

DUIs carry the largest rate increases at every age, pushing adult rates up 81% above clean-record rates nationally. Filter the table to see all six violation types, including DUI, at-fault accident, not-at-fault accident, speeding and texting while driving.

Jump to:

• The cost of car insurance for teens (age 16-19) with a violation by state
• The cost of car insurance for young adults (age 20-25) with a violation by state
• The cost of car insurance for adults and seniors (age 26+) with a violation by state

A 16-year-old with a speeding ticket pays an average of $576 per month for full coverage nationally That is $68 more than the $508 clean-record average, based on MoneyGeek's 2025 analysis. Hawaii ($226) and Maine ($297) are the cheapest states for a 16-year-old after a speeding ticket. New Jersey ($938), Maryland ($900) and Nevada ($887) are the most expensive. 

A DUI pushes a 16-year-old's rate to an average of $667 per month nationally, 31% above the clean-record rate, with the largest dollar increases concentrated in states that already charge the most. Not-at-fault accidents also raise teen rates in most states, adding an average of about $20 per month, despite the driver not being responsible for the crash.

A 20-year-old with a speeding ticket pays an average of $454 per month nationally, $58 more than the $396 clean-record rate. Hawaii ($226) and Maine ($244) are the most affordable states for a 20-year-old after a speeding ticket. Louisiana ($874) and Florida ($801) are the most expensive; a 20-year-old with a speeding ticket in Louisiana pays nearly four times what a driver the same age pays in Hawaii. 

By age 25, the national average with a speeding ticket drops to $373 per month, but the state gaps remain wide. A DUI at age 20 adds more than a speeding ticket and stays on record for three to five years, compounding across every renewal during those years.

Adults with a speeding ticket pay $154 per month for full coverage nationally, 24% more than the $125 clean-record average. Vermont ($94), Hawaii ($98) and Maine ($98) are the cheapest states for adults after a speeding ticket. Louisiana ($288), Florida ($247) and Colorado ($213) are the most expensive. 

A DUI pushes the adult average to $226 per month, 81% above the clean-record rate, making it the costliest single violation for adults. Senior rates follow a similar pattern after violations, with the same states leading on both ends. Seniors with a speeding ticket pay an average of $194 per month nationally, compared to $155 on a clean record, a 25% increase that mirrors the adult impact closely.

Where you live sets a baseline you can't change, but how much you pay above that baseline is partly within your control. Insurers calculate rates in different ways, so comparing rates, driving safely, searching for discounts and picking the right coverage applies regardless of state and helps you find the cheapest car insurance for you.

The spread between the cheapest and most expensive insurer varies by state and age, but it's almost always large enough to make shopping worthwhile. A 16-year-old in Florida pays between $561 and well over $1,000 per month depending on the insurer; the company ranking doesn't stay the same as you age, so a quote that was competitive two years ago may not be competitive today. 

Getting quotes from at least three insurers before each renewal takes 20 to 30 minutes and is the single most reliable way to avoid overpaying, regardless of where you live. In high-cost states like Louisiana and Florida, where base rates are already elevated, the dollar savings from finding a cheaper insurer are even larger in absolute terms.

A speeding ticket adds $68 per month on average for a 16-year-old and $29 per month for an adult, but those are national averages. In Louisiana, the dollar impact is higher because the base rate is already elevated. Violations stay on your record for three to five years for most infractions and up to 10 years for a DUI, so a single incident affects multiple renewals. In states with already-high rates, the combination of a high base rate and a violation surcharge can push monthly costs to a level where full coverage on an older vehicle may no longer make financial sense.

Most major insurers offer discounts that apply regardless of state: good student, multi-vehicle, bundling home and auto, but some states have programs worth asking about specifically. California bans credit-based pricing, which can work in your favor or against you depending on your credit profile. 

Some states require insurers to offer low-income assistance programs or special liability-only rates for qualifying drivers. Teen drivers in any state benefit most from staying on a family policy rather than buying a separate one, saving up to $2,304 per year at age 16, and from completing an approved driver training course, which offers an additional 5% to 10% discount.

Full coverage makes sense when a vehicle's value is high enough to justify the extra cost over minimum coverage. In high-rate states like Florida or New Jersey, where full coverage for a teen can exceed $800 per month, it's especially worth checking whether the vehicle is worth the premium. 

A general benchmark: if the vehicle is worth less than 10 times the combined annual cost of collision and comprehensive coverage, dropping those coverages and paying only the minimum can save hundreds of dollars per year. This calculation changes as vehicles age; a car that justified full coverage at purchase may not three years later, especially in states where full coverage rates are high.