Average Car Insurance Rates by Age and Gender (2025)

Young male drivers face the highest car insurance rates compared to any other age or gender group. Insurers typically charge young men more for coverage because of their increased likelihood of getting into accidents.

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated

Save up to $1,025 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Drivers have found policies from Allstate, GEICO, Mercury, and more, for rates as low as $38/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on January 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on January 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Your age and gender can affect how much you pay for car insurance. Young drivers, in particular, face high rates because they have less experience and an increased risk of distracted driving and auto accidents. The combination of age and gender influences costs, too. For example, male teenagers typically face higher rates than female teenagers.

Here’s what you need to know about insurance costs by age and gender.

Quick Facts
  • Teenagers pay the highest car insurance rates by driver age.

  • Insurance costs often increase for drivers with past accidents.

  • Your driving record, location, credit-based insurance score, and vehicle type also affect premiums.[1]

Average auto insurance rates by age

Your age has a big effect on what you pay for car insurance. Teenagers pay the most, with an average monthly cost of $369 for full coverage. Younger drivers get into more accidents than middle-aged and senior drivers, based on data from the Insurance Institute for Highway Safety (IIHS).[2]

Prices decrease as you get older, and drivers in their 60s pay the least — around $155 per month for full coverage. But once you reach your 70s, rates start to go back up.

See how age affects full-coverage car insurance costs in the U.S. below.

Full-Coverage Rates by Age

Category
Price
60s155
50s165
70s166
40s184
30s203
20s264
Teens369
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance

Check quotes from multiple insurers in minutes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Average auto insurance rates by gender

Men pay higher rates than women, on average. According to the IIHS, men tend to drive more miles on the road and engage in riskier behaviors like speeding and not wearing seat belts.[3] Teen drivers have the largest gap in cost by gender. The average monthly premium for a male teenage driver is $89 more than that for their female counterparts.

Though the categories of male and female don’t represent all gender identities, keep in mind that most auto insurance companies only differentiate between men and women when setting prices.

The table below shows how full-coverage premiums vary by age and gender.

Auto Insurance Rates for Male Drivers

Category
Price
60s158
50s166
70s173
40s188
30s209
20s282
Teens414
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Auto Insurance Rates for Female Drivers

Category
Price
60s152
70s159
50s163
40s181
30s197
20s245
Teens325
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Why age affects car insurance rates

Age directly relates to driving experience and accident risk. Car insurance for young drivers, especially teens, costs more due to a lack of experience behind the wheel. Teens are more prone to distractions and speeding, and they have more fatal car accidents, according to the National Highway Traffic Safety Administration (NHTSA).[4]

As you get older, your driving skills improve and the risk of accidents decreases, leading to a drop in prices. But insurance premiums can start to climb again once you reach age 70. The fatal crash rate of older drivers is higher than middle-aged drivers, making insurance companies consider them high-risk drivers and charge them more for coverage.

Average car insurance rates for young drivers

Consider the table below to see how much car insurance costs on average for 18- and 19-year-olds. As you can see, these teens pay some of the highest rates for coverage. Teenage drivers pay $374 per month, on average, for full-coverage car insurance.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote: Full Coverage
COUNTRY Financial$44
NJM$67
Auto-Owners$119
Root$140
Erie$156
USAA$167
Metromile$179
GEICO$181
CSAA$193
Mile Auto$202
State Farm$212
Allstate$253
Progressive$273
American Family$280
Mercury$298
Safeco$308
Elephant$316
The General$331
Nationwide$334
Shelter$344
Clearcover$348
The Hartford$355
Direct Auto$362
Dairyland$364
Travelers$373
Amica$373
State Auto$381
National General$395
21st Century$404
Bristol West$418
Farmers$431
Liberty Mutual$438
Infinity$484
GAINSCO$490
Commonwealth Casualty$494
Chubb$505
Foremost$507
AssuranceAmerica$535
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Why is car insurance so expensive for young drivers?

Car insurance companies charge high rates for new drivers for a reason. These young adults lack driving skills, making them more likely to get into car crashes and file claims. Teens between the ages of 16 and 19 have higher accident rates than any other age range.[5]

You can earn car insurance discounts for having good grades or taking a driver’s education or defensive driving class. You should also try to join your parents’ policy since it’s usually cheaper than buying your own car insurance policy. Be sure to shop around and compare a wide range of offers to get the best rates.

Average car insurance rates for middle-aged drivers

Middle-aged drivers typically enjoy lower car insurance rates, with the average cost of car insurance being $182 per month for a full-coverage policy. Car insurers charge less because they see middle-aged motorists as more experienced and less likely to get into accidents or file insurance claims.

Check out the table below to see how much you might pay for coverage in middle age. 

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote: Full Coverage
COUNTRY Financial$34
NJM$48
Auto-Owners$67
Erie$82
Mile Auto$83
USAA$90
Metromile$105
State Farm$109
Root$110
GEICO$113
CSAA$121
Allstate$127
Progressive$132
National General$144
American Family$148
Mercury$152
The Hartford$152
Nationwide$155
Safeco$160
Direct Auto$165
Travelers$174
Elephant$183
Shelter$184
State Auto$187
The General$189
Chubb$189
Clearcover$192
AssuranceAmerica$205
Farmers$207
Dairyland$209
Infinity$212
21st Century$214
Commonwealth Casualty$224
Bristol West$229
Foremost$247
GAINSCO$258
Amica$269
Liberty Mutual$273
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance rates for senior drivers

As drivers enter their golden years, car insurance costs creep back up. Seniors generally pay about $154 per month for full coverage. While it’s still less than what teens pay, it’s higher than the average rate for middle-aged drivers. 

The data in the table here shows how average premiums change for seniors.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote: Full Coverage
COUNTRY Financial$29
NJM$30
Auto-Owners$54
Mile Auto$63
Erie$67
USAA$76
State Farm$86
CSAA$88
GEICO$90
Metromile$91
Progressive$93
Root$94
Allstate$102
The Hartford$103
American Family$117
Nationwide$121
National General$122
Mercury$126
Safeco$131
Direct Auto$132
Shelter$135
State Auto$138
Travelers$140
Chubb$147
21st Century$157
Elephant$157
Clearcover$167
The General$173
Farmers$173
Infinity$185
Dairyland$186
AssuranceAmerica$188
Bristol West$193
Amica$201
Foremost$209
Liberty Mutual$214
Commonwealth Casualty$216
GAINSCO$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance

Insurify partners with top insurers for real quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Other factors that affect car insurance rates

Age and gender are significant factors in car insurance costs, but insurers also consider other factors. Here are some other things that can affect how much you pay for insurance coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    Driving record

    You’ll likely pay more for insurance if you have a history of accidents, speeding tickets, or other traffic violations on your driving record. On the flip side, people with clean driving records have lower rates because insurers see them as less risky to insure.

  • illustration card https://a.storyblok.com/f/162273/150x150/41b171a645/types-of-houses-96x96-orange_026-mansion.svg

    Location

    Your ZIP code can also affect your premiums. Drivers in urban areas may pay more than people in rural regions due to higher accident, theft, and vandalism rates. Plus, state minimum-coverage requirements vary, which can influence prices.

  • illustration card https://a.storyblok.com/f/162273/150x150/42a396bd18/credit-and-loan-96x96-green_033-discount.svg

    Credit history

    Many insurers use credit history to help determine premiums. Drivers with poor credit tend to file more claims, often paying higher premiums than drivers with good credit.

  • illustration card https://a.storyblok.com/f/162273/150x150/62b3f650a4/car-and-driving-96x96-blue_004-fleet.svg

    Vehicle type

    Your car’s make, model, and age can also influence your rates. Luxury vehicles and sports cars usually cost more to insure because repairs or replacements are more expensive. Older vehicles may qualify for lower premiums since they tend to have a lower value than newer models.

Car insurance rates by age FAQs

Knowing how age affects rates for auto coverage and other insurance products is important. The following information can help answer your remaining questions.

  • Why do men pay more for car insurance?

    Men sometimes pay higher car insurance rates because of statistics that indicate higher crash fatality rates and a greater likelihood to engage in risky driving behavior. In most cases, rates level out by gender as people age, but auto insurers view male teens as particularly risky drivers to insure.

  • How can I find the best car insurance for my age and gender?

    To find the best car insurance for your age and gender, compare quotes from multiple insurance companies. It’s a good idea to look at savings like good student discounts for younger drivers or low-mileage discounts for seniors who don’t drive much.

  • Does car insurance go down at 40?

    Typically, yes. Car insurance usually gets cheaper as you reach your 40s because insurers see you as a safe driver with more experience.

  • What age is the cheapest for car insurance?

    Generally, drivers in their 50s and 60s pay the lowest rates for car insurance. They have many years of driving experience, making them less risky behind the wheel.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Institute for Highway Safety. "Teenagers."
  3. Insurance Institute for Highway Safety. "Fatality Facts 2022 Males and females."
  4. National Highway Traffic Safety Administration. "Teen Driving."
  5. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all