Average Car Insurance Rates by Age and Gender

Teen boys pay $42 more monthly than teen girls at age 16, which adds up to $504 annually. This difference stems from higher accident rates among young male drivers. At 19, men pay $241 versus $219 for women, but by age 25, the gap shrinks to just $2 monthly.

Gender differences nearly disappear by age 30, with rates stabilizing around $106 monthly for both men and women. Women briefly pay $1 to $2 more monthly during middle age, but men pay more again as senior drivers. By age 90, the gap reaches $12 monthly. Men pay more annually than women when averaged across all ages because of higher teen and senior premiums.

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.

*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.

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.

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.

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.

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

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: We collected nationwide car insurance data for different age and gender groups driving a 2012 Toyota Camry. We analyzed rates by the driver's age and gender while controlling for all other variables to show the pure impact of these demographic factors on your premiums. This approach reveals the true cost of age and gender factors across your driving life, helping you understand when rates will decrease and how much you can save as you age.