Average Car Insurance Rates by Age and Gender

Your age and gender will often factor into your car insurance rate. Shopping around can still get you a good price.

Andrew MarderOctober 14, 2020
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Car insurance premiums can be mysterious at the best of times. If you move, buy a new car or simply get older, prices can go up or down without a lot of explanation.

While those premium changes may feel arbitrary, the price you pay ultimately ties back to a handful of facts about you. Age and gender are two of the most common factors that affect your auto insurance rate. Not all states let insurers use these factors the same way, but most allow them to be part of the equation.

Estimate your car insurance rates by age and state

To find average prices across the nation, we looked at rates from the five largest auto insurance companies in the U.S. — State Farm, Geico, Progressive, Allstate and USAA. You can use the calculator below to see your estimated rate based on your state, gender and age.

Charts: Car insurance rates by age and gender

Auto insurance rates across the country vary based on where you live, but national averages can give you an idea of what you might pay. These tables show average premiums for male and female drivers based on rates from the five largest auto insurers in the U.S.

Full coverage car insurance rates by age and gender

Full coverage car insurance is a style of car insurance, not a specific product. Full coverage policies add extra coverage on top of state minimum requirements. The rates below reflect a policy with comprehensive and collision insurance along with liability, uninsured motorist coverage and other state-required coverage where needed.

Age

Female

Male

16

$6,055

$6,858

17

$4,871

$5,562

18

$4,206

$4,859

19

$3,087

$3,567

20

$2,769

$3,195

21

$2,298

$2,609

22

$2,152

$2,378

23

$2,005

$2,202

24

$1,896

$2,068

25

$1,719

$1,801

30

$1,588

$1,581

35

$1,573

$1,556

40

$1,544

$1,529

45

$1,528

$1,516

50

$1,451

$1,445

55

$1,421

$1,419

60

$1,414

$1,415

65

$1,452

$1,463

70

$1,527

$1,546

75

$1,666

$1,736

80

$1,831

$1,957

Minimum coverage car insurance rates by age and gender

Minimum coverage car insurance is exactly what it sounds like — the least possible coverage that fulfills a state’s requirements. That means these policies will differ in coverage based on where you live. The rates below reflect national averages for minimum coverage, so actual rates can vary widely by state.

Age

Female

Male

16

$2,374

$2,620

17

$1,868

$2,090

18

$1,573

$1,761

19

$1,125

$1,244

20

$992

$1,088

21

$821

$882

22

$766

$813

23

$709

$745

24

$671

$698

25

$614

$617

30

$572

$555

35

$569

$548

40

$564

$545

45

$560

$542

50

$539

$531

55

$528

$522

60

$529

$524

65

$551

$549

70

$587

$590

75

$651

$671

80

$726

$770

How age affects your car insurance rates

As many new drivers have discovered, being young is an easy way to pay more for auto insurance. There are at least two reasons for that higher price. First, young drivers have less experience — something auto insurance companies often use to determine premiums.

Second, studies have shown younger drivers are much more likely to be in accidents. A study from the AAA Foundation for Traffic Safety found that 16- and 17-year-old drivers have accidents 4.5 times as often as drivers between 30 and 59.

This results in the high average auto insurance rates for young drivers that you see in the graph below.

These rates are for individual insurance policies, which are typically higher than rates for family policies with new drivers. However, the accident rate for young drivers helps explain why car insurance for teens can put such a dent in your wallet.

Even if your state doesn’t allow companies to base rates on age (California, Hawaii and Massachusetts all have rules against any age-based rates), you might pay more when you’re young. Most states do allow insurers to use driving experience as a factor in determining rates, so car insurance for new drivers can be costly, regardless of age. If you’ve been driving for only a year or two, you’re likely to pay more than someone who’s been behind the wheel for a decade.

By the time you turn 65, your rates will probably have started to climb again. They continue to do so as you age, though they don’t hit the pricing heights you see for teens. This is in line with the fatal crash rate, which rises starting with drivers 70 and older.

How gender affects your car insurance rates

On top of your age, many companies will also consider your gender in setting your car insurance price. In our study of car insurance rates from the five largest insurers across all 50 states and the District of Columbia, we found that men have higher average rates starting at 16. By age 30, though, women are paying slightly more. By 60, things have swapped again, and men start paying a bit more on average.

Here, there’s some data to back up charging young men more. A study from the Insurance Institute for Highway Safety (IIHS) found male drivers of all ages are 63% more likely than female drivers to be involved in a fatal crash. Younger men are even more prone to fatal accidents, with rates for 16- to 19-year-old male drivers almost twice those for female drivers of the same age.

Fatal crash rate per 100 million miles driven

Age

Males

Females

16-19

6.4

3.3

20-29

3.9

1.6

30-59

1.6

1.1

60-67

1.5

1.0

70+

2.8

2.1

Figures from the IIHS based on analysis of the U.S. Department of Transportation's Fatality Analysis Reporting System 2017 data.

States that don’t allow auto insurance rates based on gender

Not all states allow insurers to set rates based on gender. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania all have statewide bans on using gender as a factor in auto insurance rates.

Typical car insurance rates by age and gender

When you stack age and gender together, you end up with even more disparity in auto insurance rates. For instance, in our study, we found that average rates for a 16-year-old male driver are more than twice those of a 20-year-old female driver.

That’s based on a national average of the five biggest auto insurers, and car insurance rates in your state may be much lower. It’s one of the reasons we always recommend shopping around to compare car insurance rates. With such variability in younger drivers' rates, it’s especially important to keep an eye on rates for drivers in their teens.

Car insurance rates for 16-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$6,055

$2,374

Male

$6,858

$2,620

Car insurance rates for 17-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$4,871

$1,868

Male

$5,562

$2,090

Car insurance rates for 18-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$4,206

$1,573

Male

$4,859

$1,761

Car insurance rates for 19-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$3,087

$1,125

Male

$3,567

$1,244

Car insurance rates for 20-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$2,769

$992

Male

$3,195

$1,088

Car insurance rates for 21-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$2,298

$821

Male

$2,609

$882

Car insurance rates for 22-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$2,152

$766

Male

$2,378

$813

Car insurance rates for 23-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$2,005

$709

Male

$2,202

$745

Car insurance rates for 24-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,896

$671

Male

$2,068

$698

Car insurance rates for 25-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,719

$614

Male

$1,801

$617

Car insurance rates for 30-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,588

$572

Male

$1,581

$555

Car insurance rates for 35-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,573

$569

Male

$1,556

$548

Car insurance rates for 40-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,544

$564

Male

$1,529

$545

Car insurance rates for 45-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,528

$560

Male

$1,516

$542

Car insurance rates for 50-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,451

$539

Male

$1,445

$531

Car insurance rates for 55-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,421

$528

Male

$1,419

$522

Car insurance rates for 60-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,414

$529

Male

$1,415

$524

Car insurance rates for 65-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,452

$551

Male

$1,463

$549

Car insurance rates for 70-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,527

$587

Male

$1,546

$590

Car insurance rates for 75-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,666

$651

Male

$1,736

$671

Car insurance rates for 80-year-olds

Gender

Full Coverage

Minimum Coverage

Female

$1,831

$726

Male

$1,957

$770

How insurance companies set your rates

You’re likely to see different rates from almost every insurance company, because each of them uses the information they have about you a little differently. Some care more about your driving history, while some care more about the car you drive.

Auto insurance companies are also limited by rules that differ in each state for setting auto insurance rates. States right next to each other can have big swings in average costs due to local laws. For instance, a 40-year-old driver in Florida is looking at an average rate of $2,443 for full coverage. Cross the line into Georgia and that same driver gets an average rate drop of almost $550, down to $1,897.

As a result, where you live is one of the biggest factors in the price you ultimately pay. To get an idea of what to expect, check out average car insurance rates in your state.

Methodology

NerdWallet averaged insurance estimates from the largest insurers in all 50 states and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We used a 2017 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

  • We analyzed rates for drivers of the following ages: 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, 75 and 80.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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