How much is car insurance for 45-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, 45-year-olds pay $1,869 a year for coverage. However, factors such as location, driving record, and gender also significantly impact rates.

AgeAvearge annual premiumAvearge monthly premium
45$1,869$156

Average car insurance for 45-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 45-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
45-year-old Female$1,870$156
45-year-old Male$1,867$156

Best car insurance for 45-year-old driver

We've compared top insurance companies to see which offers the best coverage for 45-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$1,4964.51
State FarmA++0.524.27$1,9584.38
GeicoA++0.774.20$1,7624.29
TravelersA++1.034.62$1,5774.25
ProgressiveA+0.734.14$1,9864.03
FarmersA0.773.69$2,3423.43
AllstateA+0.953.78$2,4833.27

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 45-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 45-year-olds by state

States require different amounts of car insurance, which influences the cost of coverage. Because of this, 45-year-old rates can vary widely by location. Maine has the cheapest coverage for 45-year-olds, and Louisiana has the most expensive.

Check out the table below to see average car insurance rates for 45-year-olds in your state.

StateFull coverage premium
Alaska$1,643
Alabama$1,821
Arkansas$1,927
Arizona$1,781
California$2,385
Colorado$2,326
Connecticut$1,698
Washington, D.C.$2,133
Delaware$2,064
Florida$2,659
Georgia$1,942
Hawaii$1,517
Iowa$1,595
Idaho$1,397
Illinois$1,496
Indiana$1,466
Kansas$1,872
Kentucky$2,199
Louisiana$2,821
Massachusetts$1,703
Maryland$1,717
Maine$1,156
Michigan$2,292
Minnesota$1,883
Missouri$1,965
Mississippi$1,985
Montana$2,139
North Carolina$1,728
North Dakota$1,661
Nebraska$1,848
New Hampshire$1,239
New Jersey$1,876
New Mexico$2,016
Nevada$2,028
New York$1,851
Ohio$1,388
Oklahoma$2,112
Oregon$1,643
Pennsylvania$1,837
Rhode Island$2,029
South Carolina$1,996
South Dakota$2,237
Tennessee$1,638
Texas$2,047
Utah$1,791
Virginia$1,450
Vermont$1,297
Washington$1,585
Wisconsin$1,630
West Virginia$1,970
Wyoming$1,716

Cheapest car insurance for 45-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 45-year-olds, helping to reduce your insurance costs.

The table below compares average car insurance rates for 45-year-olds by company.

CompanyFull coverage premium
Nationwide$1,496
Travelers$1,577
Geico$1,762
State Farm$1,958
Progressive$1,986
Farmers$2,342
Allstate$2,483
USAA$1,341