How much is car insurance for 35-year-old drivers?

Younger drivers pay more for car insurance due to a lack of experience behind the wheel, and then rates go down with age and experience. On average, 35-year-olds pay $1,947 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

AgeAvearge annual premiumAvearge monthly premium
35$1,947$162

Average car insurance for 35-year-old males vs. females

While age is a significant factor in determining car insurance rates, gender is also considered in most states. Males typically face higher insurance rates than females, largely due to a statistically proven tendency to take more risks and sustain more injuries.

This table compares average car insurance rates for 35-year-old males and females.

If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.

AgeAverage annual premiumAverage monthly premium
35-year-old Female$1,944$162
35-year-old Male$1,949$162

Best car insurance for 35-year-old driver

We've compared top insurance companies to see which offers the best coverage for 35-year-old drivers. Our analysis shows that Nationwide is the top pick overall.

Company nameAM BestNAICSurvey scoreAverage annual premiumInsurance.com score
NationwideA+0.664.33$1,5934.51
State FarmA++0.524.27$2,0034.40
GeicoA++0.774.20$1,7914.34
TravelersA++1.034.62$1,7084.22
ProgressiveA+0.734.14$2,1073.99
FarmersA0.773.69$2,3993.43
AllstateA+0.953.78$2,5393.27

Average car insurance cost vs. other ages

As you age and gain more driving experience, car insurance rates decrease. For example, rates for a 25-year-old are significantly cheaper than at 16 years old.

The table below shows average car insurance rates for various age groups, so you can see how rates for 35-year-olds compare to drivers at other ages.

Company GroupTeens (16-19)Young Adults (20-24)Adults (25-60)Seniors (65-75)
Travelers$4,834$2,476$1,615$1,590
Geico$5,049$2,647$1,776$1,787
Nationwide$5,285$2,556$1,533$1,456
State Farm$5,368$3,179$1,985$1,858
Progressive$7,174$3,242$2,009$2,000
Allstate$7,437$3,754$2,509$2,477
Farmers$8,348$3,602$2,336$2,290
USAA$4,385$2,159$1,406$1,400

Average car insurance for 35-year-olds by state

States require different amounts of car insurance, which influences the cost of coverage. Because of this, 35-year-old rates can vary widely by location. Maine has the cheapest coverage for 35-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 35-year-olds in your state.

StateFull coverage premium
Alaska$1,714
Alabama$1,912
Arkansas$2,001
Arizona$1,859
California$2,468
Colorado$2,368
Connecticut$1,763
Washington, D.C.$2,187
Delaware$2,092
Florida$2,794
Georgia$2,032
Hawaii$1,517
Iowa$1,688
Idaho$1,459
Illinois$1,595
Indiana$1,558
Kansas$1,961
Kentucky$2,293
Louisiana$2,958
Massachusetts$1,756
Maryland$1,794
Maine$1,223
Michigan$2,394
Minnesota$1,958
Missouri$2,046
Mississippi$2,042
Montana$2,249
North Carolina$1,755
North Dakota$1,705
Nebraska$1,966
New Hampshire$1,303
New Jersey$1,944
New Mexico$2,068
Nevada$2,122
New York$1,905
Ohio$1,465
Oklahoma$2,188
Oregon$1,717
Pennsylvania$1,932
Rhode Island$2,106
South Carolina$2,055
South Dakota$2,342
Tennessee$1,742
Texas$2,078
Utah$1,848
Virginia$1,514
Vermont$1,369
Washington$1,652
Wisconsin$1,715
West Virginia$2,071
Wyoming$1,773

Cheapest car insurance for 35-year-olds by company

Rates also vary considerably by company. For example, while one insurance company may consider age the determining rate factor, another may consider driving records more critical. By comparing coverage and rates from multiple companies, you can find the best deal for 35-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 35-year-olds by company.

CompanyFull coverage premium
Nationwide$1,593
Travelers$1,708
Geico$1,791
State Farm$2,003
Progressive$2,107
Farmers$2,399
Allstate$2,539
USAA$1,432