Average Car Insurance Rates by Age and Gender

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Updated: May 8, 2026

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Key Takeaways
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Sixteen-year-olds pay the highest monthly premiums at $436 for girls and $478 for boys, and MoneyGeek's car insurance age chart shows how steeply rates decline each year for teen drivers. Read more.

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Gender affects rates most for teens. Sixteen-year-old boys pay $504 more yearly than girls due to higher accident frequency. The difference decreases to only $33 per year after drivers turn 25.

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Younger drivers pay more for car insurance because crash statistics show they are much more likely to get into accidents. And male teens pay more than female teens because their driving behavior is even more risky, on average.

How Much Does Car Insurance Cost by Gender and Age

At 16, boys pay $42 a month more than girls ($504 a year) because young male drivers have higher accident rates. By 19, men pay $241 a month and women pay $219. By 25, the difference is $2 a month.

Rates for men and women converge around $106 a month by age 30. Women pay $1 to $2 more during middle age, then men pull ahead again in the senior years. By 90, men pay $12 a month more. Averaged across all ages, men pay more annually because of higher costs at both ends: the teen years and the senior years.

16$478$436$41
17$401$362$39
18$345$314$31
19$241$219$22
20$216$198$18
21$170$157$13
22$156$146$9
23$143$136$8
24$135$129$6
25$120$118$3
26$115$113$2
27$113$111$2
28$111$110$1
29$110$109$1
30$105$106$-1
35$102$104$-2
40$101$103$-2
45$99$101$-2
50$97$98$-1
55$94$94$0
60$94$94$0
65$98$97$1
70$106$103$2
75$118$112$5
80$132$122$9
85$142$131$11
90$149$137$12

Average Car Insurance Rates by Age

Car insurance rates vary widely by age. Sixteen-year-olds pay the highest premiums at $457 monthly, while drivers in their 50s and early 60s pay the lowest rates at $94 to $97 monthly. Teen drivers ages 16 to 19 average $230 to $457 monthly. Young adults ages 20 to 25 see rates drop to $152 monthly as they gain experience. Middle-aged drivers ages 40 to 60 pay around $94 to $102 monthly. Senior drivers ages 65 and older pay $98 to $143 monthly, with rates increasing as age advances.

16$457$5,486
17$381$4,578
18$330$3,956
19$230$2,761
20$207$2,481
21$163$1,958
22$151$1,810
23$139$1,674
24$132$1,582
25$119$1,426
26$114$1,367
27$112$1,343
28$110$1,326
29$109$1,311
30$106$1,268
35$103$1,240
40$102$1,220
45$100$1,204
50$97$1,165
55$94$1,131
60$94$1,125
65$98$1,175
70$104$1,252
75$115$1,380
80$127$1,525
85$136$1,637
90$143$1,718

*Rates shown are national averages for state minimum liability only and full coverage with 100/300/100 limits and a $ 1,000 deductible, insuring a 2012 Toyota Camry.

Average Car Insurance Cost Per Month by Age and State

State location affects insurance costs across all age groups. Teens might pay $30 monthly for minimum coverage in Indiana versus over $100 in Louisiana, with full coverage gaps widening further. Young drivers ages 20 to 25 pay $25 to $40 monthly in low-cost states versus $70 to $90 in expensive markets. 

Middle-aged drivers still see three to four times higher costs in expensive states. States with higher minimum requirements have smaller minimum-to-full coverage gaps, so consider location and coverage choices to save. Read our guide on the cost of car insurance in different states if you are considering a move in the near future.

Data filtered by:
25
Minimum Coverage
25Alabama$38$454
25Alaska$42$501
25Arizona$55$662
25Arkansas$39$471
25California$61$738
25Colorado$47$565
25Connecticut$76$915
25Delaware$97$1,164
25District of Columbia$54$654
25Florida$78$931
25Georgia$49$589
25Hawaii$30$363
25Idaho$32$381
25Illinois$39$468
25Indiana$35$416
25Iowa$27$321
25Kansas$42$503
25Kentucky$47$569
25Louisiana$67$803
25Maine$38$460
25Maryland$65$777
25Massachusetts$42$504
25Michigan$85$1,018
25Minnesota$48$580
25Mississippi$43$515
25Missouri$60$726
25Montana$31$366
25Nebraska$40$478
25Nevada$84$1,003
25New Hampshire$63$759
25New Jersey$73$874
25New Mexico$40$486
25New York$111$1,338
25North Carolina$38$460
25North Dakota$31$372
25Ohio$40$484
25Oklahoma$41$492
25Oregon$59$711
25Pennsylvania$39$463
25Rhode Island$58$696
25South Carolina$69$827
25South Dakota$30$366
25Tennessee$36$436
25Texas$61$737
25Utah$53$642
25Vermont$30$356
25Virginia$46$552
25Washington$63$761
25West Virginia$45$545
25Wisconsin$42$499
25Wyoming$24$288

How and Why Age and Gender Affect Car Insurance Rates

Age determines car insurance costs more than any other factor. Insurers use crash statistics, driving behavior patterns and age-related risk factors to set rates. Teen drivers ages 16 to 17 experience 1,432 crashes per 100 million miles driven according to AAA Foundation data, which drops to 730 crashes for 18- to 19-year-olds and 572 for drivers aged 20 to 24. These accident rates, combined with risky driving behaviors like speeding and distracted driving, explain why 16-year-olds pay $457 monthly while drivers in their 50s pay just $94 monthly. The chart below illustrates the full pricing curve across all ages.

Explanation of Age Related Crash Statistics and Costs

How to Save on Car Insurance Based on Age

The most effective savings strategy changes as you age. Teens save the most by staying on a parent's policy and earning good student discounts. Young adults should delay independent coverage and focus on establishing a strong credit history. Middle-aged drivers benefit most from annual comparison shopping, as rates between insurers vary by 400% for identical coverage. Seniors offset rising rates with mature driver courses and low-mileage discounts.

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    Teen Drivers (Ages 16-19)

    Teen drivers pay $230 to $457 monthly, more than triple adult rates. Good student discounts (typically 15% to 25% off) provide the biggest savings for teens maintaining a B average or better. Defensive driving courses reduce premiums by 5% to 15% in most states. Staying on a parent's policy costs significantly less than buying standalone coverage. Choosing safer vehicles with high safety ratings and avoiding sports cars also reduces premiums.

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    Young Adults (Ages 20-25)

    Stay on your family's policy as long as possible. Young adults moving to independent coverage pay 30% to 50% more than remaining on a parent's plan. Build your credit score, as good credit (700+) can lower rates by 20% to 30% in states that allow credit-based pricing. Choose reliable vehicles over new or luxury models. Ask about low-mileage discounts if you drive fewer than 7,500 miles annually.

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    Adult Drivers (Ages 26-64)

    Compare quotes from at least three insurers annually. Identical coverage varies by 400% or more between providers. Shop after major life changes like marriage, moving, buying a home or adding vehicles, as these trigger rate adjustments. Bundle auto and home insurance for 15% to 25% savings. Raise your deductible from $500 to $1,000 to save 15% to 30% on comprehensive and collision coverage.

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    Senior Drivers (Ages 65+)

    Rates increase at age 65, with drivers 65 and older paying $98 to $143 monthly, 4% to 52% more than middle-aged drivers. Stack senior-specific discounts like mature driver courses approved by your state to receive discounts of 5% to 15%. Ask about low-mileage discounts if you're retired and driving less. Join AARP or AAA for member-exclusive rates. Consider usage-based insurance programs that track actual driving behavior rather than relying on age-based pricing.

Image showing ways to save on car insurance based on your age.

Auto Insurance by Age & Gender: Bottom Line

Age affects car insurance rates most, with 16-year-olds paying the highest monthly premiums of $436 for girls and $478 for boys. The biggest rate difference between genders occurs among teenagers. Due to higher accident rates, 16-year-old boys pay $504 more annually than girls their age. This premium gap between genders narrows as drivers age.

Car Insurance Rates by Age & Gender: FAQ

We answered common questions about how age and gender affect car insurance costs.

At what age is car insurance the cheapest?

Which age group pays the most for car insurance?

At what age do car insurance rates decrease the most?

Why do teen boys pay more than teen girls for car insurance?

Which states have the biggest car insurance rate differences by age?

When do gender differences in car insurance rates disappear?

Which states don't allow gender-based car insurance pricing?

What is the average car insurance cost per month by age and state?

Car Insurance Rates by Age Charts: Our Review Methodology

Age and gender affect your car insurance costs, but most drivers don't know exactly how much these factors matter or when rates finally drop. This nationwide rate data across all age groups and genders shows you what to expect at each life stage and helps you identify the best times to compare rates.

We gathered data from Quadrant Information Services and state insurance departments, analyzing thousands of quotes across all 50 states to isolate how age and gender affect pricing independently of other factors like location and coverage choices.

Our standardized driver profile: MoneyGeek collected nationwide car insurance data for different age and gender groups using a standardized profile: a 2012 Toyota Camry driver with all other variables held constant. Isolating age and gender shows their individual effect on premiums across a full driving life.

Average Car Insurance Cost: Related Pages

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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