Average Car Insurance Rates by Age and Gender

Young drivers usually pay the most for car insurance premiums, regardless of gender.

Kim Porter
Written byKim Porter
Kim Porter
Kim Porter
  • Co-authored the book “Future Millionaires’ Guidebook”

  • 13 years writing personal finance content

A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.

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Katie Powers
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Katie PowersAuto and Life Insurance 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.

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Daniel Roccato
Reviewed byDaniel Roccato
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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
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Konstantin HalachevVice President of Engineering
  • 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 April 15, 2024

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $44/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2024

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 April 15, 2024. 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 April 15, 2024

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 April 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

When it comes to car insurance, your age and gender play a role in how much you pay. Insurance companies generally use these factors when determining rates. A driver’s age, in particular, often reflects specific levels of driving experience and accident risk.

Compared to other age groups, younger drivers typically pay the most because of limited experience on the road and a statistically higher risk of getting into an accident. Men tend to have slightly higher accident rates than women, which means they'll pay more.

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

Quick Facts
  • Teenagers have the highest average car insurance premiums — sometimes paying double what senior drivers pay.

  • Every insurance company calculates rates in a unique way, making it important to shop around and explore your options.

  • Having strong credit and a clean driving record can help you save money on car insurance.

  • Comparing car insurance rates can help you find the best, affordable insurance for your needs.

How your age can affect car insurance rates

Car insurance rates generally start high for teenagers and drivers younger than 25, decrease a bit for middle-aged drivers, and reach their lowest point for drivers in their 60s. Then, insurance costs sometimes increase again when drivers reach their 70s and 80s.

Car Insurance Discount Guide

Car Insurance Discount Guide

Young drivers (25 and younger)

Young drivers pay the most for car insurance on average, with annual premiums of $5,808 for full coverage and $3,690 for liability-only coverage. That exceeds the average for middle-aged drivers and costs twice as much as what senior drivers pay on average.

Car insurers generally charge young drivers these higher rates to account for inexperience in driving and potential for risky driving behavior. The crash rate for teen drivers is about four times the crash rate for older drivers.[1]

Young drivers may also underestimate dangerous situations on the road, drive while distracted, drive at night and on weekends, and skip wearing seat belts. Car insurance companies charge higher rates to compensate for the likelihood of these riskier factors.[2]

Middle-aged drivers (26 to 59)

Once a driver gains more experience on the road, they typically start paying less for car insurance. Middle-aged drivers pay $3,180 per year on average for full-coverage car insurance. A liability-only policy typically costs $1,983 per year for this age group.

Drivers in this age group tend to follow traffic laws more regularly than younger drivers. Drivers older than 25 also get into fewer auto accidents than younger drivers.

Senior drivers: (60 and older)

Car insurance rates drop to their lowest averages for this age group. On average, senior drivers pay $2,912 per year for full-coverage car insurance and $1,864 per year for liability-only coverage. However, premiums usually start rising once drivers reach their 70s and 80s.

Older, more experienced drivers tend to exhibit safe driving behaviors, like wearing seat belts and avoiding nighttime driving. As drivers deal with changing vision, physical functions, and memory, they may face new dangers that increase the likelihood of an accident and result in higher premiums.[3] These and other factors make senior drivers more vulnerable to injuries from a crash. Drivers over the age of 70 have a higher fatal crash rate per mile than drivers in their 40s through 60s.[4]

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How your gender can affect car insurance rates

Insurance rate data indicates that insurance companies charge women slightly lower rates than men — especially for drivers younger than 25 and senior drivers. Auto insurers may see men as more likely to engage in risky driving behavior, so they may adjust insurance rates accordingly. Some states prohibit the use of gender to determine insurance premiums, including California, Hawaii, Michigan, Montana, Massachusetts, Pennsylvania, and North Carolina.

More men die in auto accidents than women each year, statistics from the Insurance Institute for Highway Safety’s Highway Loss Data Institute reveal. Men also have a greater likelihood of engaging in risky driving behavior, like not using seat belts, driving while intoxicated, and speeding.[5]

Average car insurance costs by age and gender

In addition to factors like vehicle type, credit history, and driving record, your age and gender may affect your car insurance premiums. Out of all age groups, teen drivers tend to have the highest rates. The Centers for Disease Control and Prevention (CDC) cites that males are three times more likely to die in a vehicle crash than females, so male teens may earn the highest average rates for that reason.[2]

See how average monthly quotes compare by gender and age group in the chart below.

Age GroupAverage Quote: WomenAverage Quote: Men
Teenagers$408$460
20–24$307$335
25–29$249$257
30–39$226$229
40–49$211$212
50–59$187$198
60–69$170$191
70–79$177$213
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.

Car insurance rates by age

You’ll need to choose the level of coverage you receive when you buy car insurance. A liability-only policy covers costs associated with injuries and damage you cause others in an at-fault car accident. A full-coverage policy typically includes liability insurance as well as collision, comprehensive, and medical payments insurance. Full-coverage plans cost more than liability policies because they contain more protection.

Car insurance rates vary in each state, but national averages for each driver age group can give you an idea of what you might pay. Here’s the average cost of car insurance for liability and full-coverage policies by age group.

Car insurance rates by age

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.

Car insurance rates for young drivers

Young drivers lack experience on the road and are generally more likely to be in an accident. Insurance companies adjust car insurance premiums accordingly, which leads to higher average rates.

Every insurance company determines rates in a different way, so young drivers may find affordable coverage by shopping around. In the table below, see how different insurance companies set monthly prices for young drivers.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial5224
Hugo6457
NJM8956
Auto-Owners10448
Root11673
USAA11754
Erie11971
Mile Auto12768
GEICO13762
State Farm14065
Clearcover14989
Safeco14979
Metromile15095
Allstate15872
CSAA159100
Progressive16693
American Family16874
Mercury192104
Elephant199111
National General20592
Nationwide21296
Liberty Mutual214101
Travelers222101
Direct Auto239117
Shelter252140
AssuranceAmerica257148
Dairyland25894
Farmers279123
The Hartford279178
Chubb295136
The General297137
GAINSCO300138
21st Century319144
Bristol West329146
Commonwealth Casualty367140
Amica395241
Infinity408250
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.

Car insurance rates for middle-aged drivers

Car insurance rates decrease for middle-aged drivers because they typically have more driving experience than teens and drivers younger than 25. Here’s how monthly car insurance premiums vary by company in this age group.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Hugo1816
COUNTRY Financial3115
NJM3220
Erie5231
Auto-Owners5927
Mile Auto6132
USAA6932
Metromile7648
Root7849
Progressive8246
State Farm8338
GEICO9141
The Hartford9862
AssuranceAmerica10058
Shelter10357
Allstate10548
Clearcover11267
National General11250
Nationwide11452
Mercury11562
Direct Auto11657
CSAA11874
Elephant12167
American Family12254
Travelers13461
Chubb14667
Safeco14677
The General15069
Dairyland15757
Commonwealth Casualty15961
GAINSCO16877
Farmers16974
21st Century17680
Amica189115
Bristol West20692
Liberty Mutual244115
Infinity318194
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.

Car insurance rates for senior drivers

Senior drivers generally practice safe driving habits, like following the speed limit, driving less, and avoiding rush-hour traffic or driving in bad weather conditions. Drivers in their 60s pay the least for car insurance of any age group. But drivers older than 70 have higher crash rates per mile compared to drivers in their 40s through 60s, and they may be more physically vulnerable to injuries from a crash.

Find average monthly quotes for car insurance for senior drivers from different companies below.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
NJM1711
COUNTRY Financial2512
Auto-Owners4320
Erie4527
Progressive5531
State Farm5526
USAA6128
Mile Auto6334
The Hartford6642
GEICO6831
Root7447
Shelter7542
Metromile7749
Nationwide8338
Allstate8438
American Family8939
Safeco10354
Chubb10448
AssuranceAmerica10661
Elephant10961
Mercury11261
Direct Auto11456
Travelers11552
Liberty Mutual12860
Farmers13359
National General13862
21st Century14365
Amica14790
Dairyland15857
Clearcover167100
Bristol West18683
The General18987
GAINSCO21097
Commonwealth Casualty23288
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.

Car insurance rates by age and driving record

Your driving record will also affect your rates, regardless of your age. Drivers with clean records usually earn the cheapest insurance premiums because they pose less risk for insurers. But a speeding ticket, accident, or violation for driving under the influence (DUI) can cause increases in premiums.

Driver Age GroupClean RecordSpeeding TicketAccidentDUI
Teenagers$578$775$827$1,150
20–24$390$523$558$776
25–29$295$395$422$587
30–39$268$359$383$533
40–49$256$343$366$509
50–59$241$323$345$480
60–69$224$300$320$446
70–79$240$322$343$478
80+$264$354$378$525
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.

Car insurance rates by age and credit score

In most states, state law permits car insurance companies to consider a driver’s credit history when setting premiums. A good credit score typically translates to lower rates, while poor credit results in higher rates.

Five states — California, Hawaii, Maryland, Michigan, and Massachusetts — ban or limit the use of credit scores in determining car insurance rates. Other states, such as Oregon and Utah, prohibit the use of credit history in certain circumstances.[6]

See how much drivers pay for car insurance based on age and credit score in the table below.

Driver Age GroupExcellent CreditGood CreditFair CreditPoor Credit
Teenagers$445$529$578$896
20–24$300$357$390$605
25–29$227$270$295$457
30–39$206$245$268$415
40–49$197$234$256$397
50–59$186$221$241$374
60–69$172$205$224$347
70–79$185$220$240$372
80+$203$242$264$409
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.
Car Insurance Rates by Credit Tier

Car Insurance Rates by Credit Tier

Ways to lower your car insurance rates

You can’t change how your age and gender affect insurance rates, but you can work on lowering your car insurance premium in the following ways:

  • Build a good driving record. Speeding tickets, car accidents, and other traffic violations can increase your car insurance premiums. But if you drive safely, follow traffic laws, and do your part to avoid car crashes, you may qualify for safe-driver discounts.

  • Increase your deductible. Insurance companies usually lower your premiums when you raise your deductible — your out-of-pocket cost when filing a claim. If you decide to increase your deductible, make sure you can cover it if you ever need to file a claim.

  • Ask about discounts. Insurance companies typically offer various discounts that can lower your premium by a certain percentage. Common discounts reward policyholders for bundling insurance policies, using autopay, being a good student, paying in full, and more.

  • Shop around for lower rates. Prices differ with every car insurance company, so it pays to shop around. Consider comparing quotes at least once a year to see if you can save money by switching insurance providers.

  • Drop coverage you don’t need. If you have an old or inexpensive vehicle, you may want to drop the collision and comprehensive insurance that pays for damage to your vehicle. The Insurance Information Institute recommends dropping collision and comprehensive coverage if your car is worth less than 10 times your annual premium.

  • Maintain strong credit. In most states, car insurance companies can use a driver’s credit score when setting premium rates. If you live in one of these states, establishing good credit can help decrease your insurance costs.[7]

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How to compare car insurance quotes

When you’re comparing car insurance quotes, look for the following details from each insurance provider:

  • Types of insurance: When you’re getting quotes, compare policies with the same coverage options that meet your desired coverage needs. Nearly every state requires drivers to carry liability insurance, and several states also require drivers to buy personal injury protection (PIP) coverage, uninsured motorist coverage, or both. Common optional types of car insurance include collision and comprehensive insurance.

  • Coverage limits: Your coverage limit is the maximum your insurance company will pay for a covered claim. You can figure out how much car insurance you need based on where you live, your tolerance for risk, and your budget.

  • Deductible: When comparing policies, choose the same deductible amount to ensure an accurate comparison.

  • Discounts: Most car insurers offer policy discounts, but they differ from one company to the next. See which discounts each insurer offers and how much you could save.

Compare Car Insurance Rates

Compare Car Insurance Rates

Car insurance rates by age and gender FAQs

Find answers to common questions about how age and gender affect car insurance rates below.

  • Which age group pays the most for car insurance?

    Teenagers pay the most for car insurance, with a monthly average of $578 for full coverage and $363 for liability-only insurance. Car insurance rates start dropping around age 20 and steadily decline until around age 70.

  • Can car insurance companies use your gender to determine rates?

    Sometimes. Auto insurers can consider your gender when calculating premiums in most states. But the following states prohibit this practice: California, Hawaii, Michigan, Montana, Massachusetts, Pennsylvania, and North Carolina.

  • 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.

  • Which insurance companies offer the cheapest rates for younger drivers?

    Erie offers the cheapest rates for drivers younger than 25. Teens pay $137 per month on average for a full-coverage policy and $114 per month for liability-only coverage from Erie, according to Insurify data. USAA and Travelers also offer affordable coverage.

  • Which insurance companies offer the cheapest rates for middle-aged drivers?

    Erie offers the cheapest rates for middle-aged drivers, too. Middle-aged drivers pay $116 per month on average for a full-coverage policy and $87 per month for liability-only coverage, according to Insurify data. Other affordable options include State Farm and USAA.

  • Which insurance companies offer the cheapest rates for senior drivers?

    Erie also offers the cheapest rates for senior drivers. Senior drivers pay $86 per month on average for a full-coverage policy and $69 per month for liability-only coverage, according to Insurify data. USAA and State Farm also offer cheap coverage.

Sources

  1. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Teenagers."
  2. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  3. Centers for Disease Control and Prevention. "Older Adult Drivers."
  4. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Older Drivers."
  5. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Fatality Facts 2020 Males and females."
  6. NAIC. "Credit-based Insurance Scores."
  7. Insurance Information Institute. "How to save money on car insurance."
Kim Porter
Kim Porter

Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance 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

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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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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

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