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. Florida and Louisiana top the list for most age groups.

Maryland, New Jersey and Nevada are among the most expensive for younger drivers. Adults aged 26 to 64 pay between $78 a month in Maine and $250 in Louisiana.

For other factors beyond age and state, see MoneyGeek's average cost of car insurance for all driver types. 

Jump to:

• Full Coverage Rates for Teens (16 to 19) by State
• Full Coverage Rates for Young Adults (20 to 25) by State
• Full Coverage Rates for Adults (26+) and Seniors by State

Full coverage for a 16-year-old averages $508 a 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. 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 a month than a 16-year-old nationally. The relative rankings between states hold steady across teen ages.

Full coverage for a 20-year-old averages $396 a month nationally, per MoneyGeek's analysis. That drops to $298 by age 25. 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 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 a month for full coverage nationwide. Drivers 65 and older pay $155 a month. Maine and Vermont are the cheapest states for both groups, at $78 and $80 a month for adults and $76 for seniors in Maine. Louisiana and Florida are the most expensive, with Louisiana's rate of $250 a month more than three times Maine's.

Car insurance rates for seniors average $229 a month in Nevada, one of the priciest states.

State price gaps for minimum coverage are just as wide as for full coverage. A 16-year-old in New Jersey pays $502 a month, more than six times the $80 a teen pays in Hawaii. The national monthly adult average is $59, from $26 in Wyoming to $109 in Louisiana. Seniors average $79 a month, more than adults in every state. Minimum coverage doesn't cover damage to your own car, so what each coverage level includes matters when you're weighing the lower premium.

Jump to:

• Minimum Coverage Rates for Teens (16 to 19) by State
• Minimum Coverage Rates for Young Adults (20 to 25) by State
• Minimum Coverage Rates for Adults (26+) and Seniors by State

Minimum coverage for a 16-year-old averages $259 a 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 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 a 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 a month nationally, per MoneyGeek's 2025 analysis. That drops to $140 by age 25. 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. By 25, rates in the priciest states come down, but New Jersey and Louisiana stay well above the national average.

Adults pay $59 a month for minimum coverage nationally. Seniors pay $79 a month, per MoneyGeek's 2025 analysis. Wyoming ($26), Vermont ($33) and Hawaii ($34) are the cheapest states for adults. Louisiana ($109), Delaware ($101) and New Jersey ($97) are the most expensive. For seniors, Maine and Hawaii have the lowest rates. On the expensive end, Florida and Louisiana top the list.

A speeding ticket increases rates to about $68 a month for a 16-year-old and $29 for an adult. DUIs hit harder: adult rates run 81% above the clean-record average nationally.

Jump to:

• Car Insurance Costs for Teens (16 to 19) With a Violation by State
• Car Insurance Rates for Young Adults (20 to 25) With a Violation by State
• Car Insurance Costs for Adults (26+) and Seniors With a Violation by State

A 16-year-old with a speeding ticket pays an average of $576 a month for full coverage nationally. That's $68 more than the $508 clean-record average, based on MoneyGeek's latest 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 a 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 a month, despite the driver not being responsible for the crash.

A 20-year-old with a speeding ticket pays an average of $454 a 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 a 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 a 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 a month, 81% above the clean-record rate. It's the costliest single violation for adults. After a speeding ticket, seniors pay an average of $194 a month nationally, up from $155 on a clean record, a 25% increase. The same states rank at the top and bottom of the range for seniors as for adults.

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 apply regardless of state and help you find the cheapest car insurance.

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 a 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 high, the dollar savings from finding a cheaper insurer are even larger in absolute terms.

A speeding ticket adds $68 a month on average for a 16-year-old and $29 for an adult, but those are national averages. In Louisiana, the dollar impact is higher because the base rate is already high. 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 in every state: good student, multi-vehicle and bundling home and auto. Some states have additional programs worth asking about. 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 save the most by staying on a family policy rather than buying a separate one, up to $2,304 a year at age 16. Completing an approved driver training course adds another 5% to 10%.

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 a 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.