Average Car Insurance Rates by Age in 2026

Average car insurance rates by age

Your age is one of the main factors insurers consider when determining how much you’ll pay for car insurance, and premiums can change dramatically throughout your lifetime. 

Teen drivers pay the highest overall average rate, at $265 per month, while drivers in their 60s pay the lowest, at $124. Once you hit about 70, though, rates start to increase again slightly.

You can compare average monthly rates by age for liability-only and full-coverage car insurance in the table below, based on Insurify’s quote data from 120+ partner insurers.

Age Group	Liability-Only Average	Full-Coverage Average
Teens	$347	$183
20-year-old	$292	$154
25-year-old	$236	$124
30-year-old	$217	$114
35-year-old	$197	$104
40-year-old	$194	$102
45-year-old	$190	$100
50-year-old	$184	$97
55-year-old	$177	$93
60-year-old	$170	$89
65-year-old	$162	$85
70+ year old	$167	$88

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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How age affects car insurance rates

Insurers use crash data to measure how much risk a driver poses based on their age. Age groups with higher accident rates typically pay higher rates for car insurance.^[2] 

Teen drivers, for example, are expensive to cover because their accident rates are nearly four times those of drivers aged 20 and older per mile driven, according to the Insurance Institute for Highway Safety (IIHS).

Premiums begin to decrease as drivers get more experience behind the wheel. Around age 70, insurance claim rates start increasing again, so you may see your premiums tick up.

Although age is a significant factor in calculating rates, insurers weigh it differently. It’s also not the only variable insurers use. They can consider your driving record, credit history, ZIP code, vehicle, and annual mileage as well.

Average car insurance rates for teen drivers

Teen drivers pay an average of $183 per month for liability-only car insurance and $347 for full coverage. That’s more than any other age group. The crash rate for 16- and 17-year-olds is about three times that of drivers aged 20 and older per mile driven, according to the IIHS.

Teen drivers are particularly high risk in the first year after getting their licenses, which is why even one year in age can make a big difference in rates. A 16-year-old typically pays more for car insurance than a 19-year-old. For example, Progressive says rates drop an average of 10% when drivers turn 19.^[3]

If you’re a parent adding a teen to your car insurance policy, your rates will increase by an average of 24% per month, Insurify data shows. Still, that’s much cheaper than your teen purchasing their own policy.

Here’s a look at what teens pay for their own car insurance policy:

The below national rates are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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	Liability-Only Average	Full-Coverage Average
Country Financial	$58	$121
USAA	$95	$189
Auto-Owners	$99	$192
State Farm	$106	$215
Erie	$125	$228
Root	$131	$213
GEICO	$142	$262
Allstate	$152	$308
The General	$152	$379
American Family	$155	$313
Commonwealth Casualty	$157	$345
Dairyland	$161	$404
GAINSCO	$163	$357
Mile Auto	$168	$314
Mercury	$170	$305
Clearcover	$176	$315
Bristol West	$178	$355
National General	$185	$370
Direct Auto	$186	$344
Elephant	$186	$308
Safeco	$188	$304
Liberty Mutual	$214	$345
Travelers	$222	$442
Plymouth Rock	$224	$346
Farmers	$227	$456
Anchor	$228	$484
21st Century	$228	$444
AssuranceAmerica	$248	$431
Chubb	$264	$508
Shelter	$279	$509
The Hartford	$362	$658
State Auto	$445	$867
Amica	$448	$812
CSAA	$465	$711

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Expert’s insight

“If you add a teen to your policy, you’re getting the benefit of your own good driving record, credit history, and discounts to offset their higher rates. A teen on their own policy is also on their own from a rating standpoint, and you’ll pay much more if you buy them a separate policy.”

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Donald BlumeLicensed Property & Casualty Insurance Agent

Donald Blume's bio

How teens can save on car insurance

Although teens pay higher rates, the following tips may help you lower your car insurance premiums:

• Stay on your parents’ policy. Adding a teen to an existing policy is generally cheaper than buying a stand-alone policy. You may also qualify for a multi-car discount. Just be sure to assign the teen to the least valuable car.

• Compare quotes. Each insurer uses its own rating factors and weighs age differently. You may find cheaper car insurance by shopping around and comparing quotes from multiple companies.

• Increase your deductible. When filing an insurance claim, you have to pay your collision or comprehensive deductible before your insurer covers the rest. Opting for a higher deductible could lower your premiums. But be sure you can afford to pay that amount out of pocket after a car accident.

• Look for discounts. Many insurers offer savings for students away at school or completing a driver training course. For example, Progressive offers a good student discount starting at 5%, while State Farm offers up to 25%.

• Enroll in a usage-based insurance (UBI) program. Telematics programs track driving habits, such as hard braking and speeding, to customize your rate. If your teen is a safe driver, UBI could save you money. For example, Nationwide’s SmartRide offers a discount of up to 40% for safe driving, which helps teens prove they’re lower risk.

Average car insurance rates for drivers in their 20s

After your teen years, you’ll likely start to see your rates drop in your 20s if you’ve maintained a clean driving record.

Insurify data shows drivers in their 20s see an average 32% drop in the cost of full coverage compared to their teen years. You’ll likely experience the most substantial drop around age 25, since insurers view drivers younger than 25 as higher risk. 

The table below shows average rates for both liability and full coverage for drivers in their 20s.

The below national rates are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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	Liability-Only Average	Full-Coverage Average
Country Financial	$56	$118
Auto-Owners	$64	$123
USAA	$66	$133
State Farm	$69	$139
Erie	$87	$158
American Family	$90	$182
Allstate	$92	$187
GEICO	$93	$172
Safeco	$97	$157
Mile Auto	$97	$181
Commonwealth Casualty	$103	$226
Root	$111	$181
National General	$111	$221
The General	$112	$279
Dairyland	$116	$291
Direct Auto	$116	$213
GAINSCO	$116	$254
Travelers	$120	$238
Mercury	$125	$224
Farmers	$126	$254
Bristol West	$126	$251
Elephant	$126	$209
Clearcover	$126	$226
Plymouth Rock	$137	$211
AssuranceAmerica	$142	$246
Anchor	$142	$301
Chubb	$149	$287
Liberty Mutual	$153	$246
21st Century	$166	$322
Shelter	$168	$307
State Auto	$193	$375
The Hartford	$202	$367
CSAA	$246	$375
Amica	$312	$566

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Does car insurance really go down at age 25?

Yes, drivers tend to see their car insurance rates go down around age 25, provided they’ve maintained a clean driving record.

Drivers at this age tend to have more experience behind the wheel, so they’re less likely to file insurance claims. Many also get married around this age, which can further lower rates, since single drivers have a higher accident risk, according to the National Association of Insurance Commissioners (NAIC).

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Car insurance rates for drivers in their 30s, 40s, and 50s

Car insurance rates continue falling through your 30s, 40s, and 50s until they reach their lowest point in your 60s. Drivers in this age range have years of driving experience and typically file fewer claims, according to the NAIC.

Insurify data shows drivers in their 40s pay an average of $100 per month for minimum coverage and $190 for full coverage, compared to $183 and $347 for teen drivers. That said, middle-aged drivers who add a teen driver to their policy may see a temporary rate increase. Comparing insurance quotes annually may help you find a better deal.

Car insurance rates for senior drivers

Drivers in their 60s pay the lowest rates of any age group, averaging $85 per month for liability-only coverage and $162 for full coverage, according to Insurify data.

Rates typically start to rise again around age 70. Although senior drivers have low crash involvements per capita, their crash rates per mile traveled increase as they drive fewer miles overall.^[4]

Some senior drivers also experience physical and cognitive changes that can make safe driving more challenging. Older drivers are more physically fragile as well, leading to a higher mortality rate in crashes per mile driven, since surviving a serious collision becomes harder with age.

How seniors can save on car insurance

Although seniors already pay some of the cheapest rates, the following tips could help you lower your car insurance costs even more:

• Ask about age-based discounts. Most insurers offer discounts to drivers older than 55. Speak with your auto insurance company to see what discounts you may qualify for. Some require you to complete an accident prevention course.^[5]

• Take a defensive driving course. You may qualify for a discount after completing a driver education course, such as AAA’s online course for seniors, to help sharpen driving skills. Some states even require insurers to lower premiums for seniors who complete a state-approved course.

• Raise your deductible. Increasing how much you’d pay out of pocket after a loss can lower your monthly premium. Just make sure you have enough set aside in case you need to file a claim.

• Shop around. Rates vary between insurers, even for the same coverage. Comparing quotes regularly can help you find cheap car insurance.

Car insurance rates by age and gender

The average cost of liability-only car insurance for male drivers is $99 per month, compared to $96 for female drivers, according to Insurify data. That’s a 4% difference.

Women tend to have fewer and less serious accidents than men, so they often pay lower rates. They’re also less likely to get into accidents involving driving under the influence (DUI).

Young men — especially teens — see the widest gender gap in car insurance rates. The death rate for male drivers ages 16 to 19 was three times that of female drivers in the same age group in 2020, according to the Centers for Disease Control and Prevention (CDC).

The CDC also found that male drivers ages 15–20 were more likely than teen female drivers to have been drinking before a fatal crash and to have been speeding at the time of the crash.^[6]

Here’s how liability averages compare by gender and age.

Age Group	Average Monthly Rate: Female Drivers	Average Monthly Rate: Male Drivers
Teens	$174	$209
Adults	$96	$99
Seniors	$84	$87

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

States that prohibit gender-based pricing

Not all states allow insurers to use gender as a rating factor. Six states currently ban gender-based pricing:

• California

• Hawaii

• Massachusetts

• Michigan

• North Carolina

• Pennsylvania 

Montana was previously on this list but repealed its ban in 2022. Delaware, on the other hand, will start prohibiting insurers from using gender starting in January 2027.

Cheapest car insurance companies by age group

Because each insurer weighs age differently in its pricing models, the most affordable insurer for a teen driver may not be the best for a 60-year-old. The table below compares the cheapest company and rate for each age group.

Age Group	Cheapest Company	Cheapest Monthly Quote
Teens	Country Financial	$58
20-year-old	Country Financial	$56
40-year-old	Country Financial	$38
60-year-old	Country Financial	$30

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Other factors that affect car insurance rates

Age plays a major role in how much you pay for car insurance, but insurers consider several factors that affect your rates:

• Driving history: Insurers typically look back three to five years when reviewing your driving history. A clean driving record may help offset age-related rate increases.

• Location: Car insurance rates vary by state and city. Drivers often pay more in metro areas, such as New York City, due to higher rates of accidents and auto theft.

• Credit-based insurance score: Insurers often consider your credit history, as how you manage your personal finances statistically correlates with how likely you are to file a claim.

• Type of vehicle: Higher-value vehicles, such as sports cars, tend to cost more to insure because they’re more expensive to replace or repair.

• Vehicle use: The more miles you drive each year, the more likely you are to get into an accident. Insurers may charge higher rates if you log a lot of miles.

Car insurance rates by age FAQs