How much is car insurance for 45-year-old drivers?
Male drivers who are 45 years old spend about $1,867 each year on insurance, while female drivers the same age pay around $1,870. Driving history and where you live also strongly influence premiums. Young drivers usually face higher costs because they lack experience, but rates decrease as they get older and build a safe record.
Age is one of the biggest factors in setting car insurance rates, but most states also allow insurers to consider gender. On average, men pay more than women since data shows they take greater risks and are involved in more accidents.
In California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania, auto insurers are not allowed to factor gender into car insurance pricing.
| Gender | Average annual premium | Average monthly premium |
|---|---|---|
| Male | $1,867 | $156 |
| Female | $1,870 | $156 |
Average car insurance for 45-year-old drivers by company
Nationwide provides the lowest annual premium for a 45-year-old driver at $1,496. The insurance company you pick has a significant impact on overall costs.
For 45-year-olds, the most affordable options are:
- Male drivers: Nationwide with an annual rate of $1,503
- Female drivers: Nationwide with yearly costs of $1,489
| Company | Average premium | Annual premium for male | Annual premium for female |
|---|---|---|---|
| Nationwide | $1,496 | $1,503 | $1,489 |
| Travelers | $1,577 | $1,599 | $1,556 |
| GEICO | $1,762 | $1,757 | $1,767 |
| State Farm | $1,958 | $1,958 | $1,959 |
| Progressive | $1,986 | $1,965 | $2,007 |
| Farmers | $2,342 | $2,313 | $2,371 |
| Allstate | $2,483 | $2,477 | $2,490 |
| USAA | $1,341 | $1,353 | $1,330 |
Best car insurance for 45-year-old driver
We compared top auto insurance companies to find the best coverage for 45-year-old drivers. Our analysis shows -
The cheapest company for 45-year-old -
- Travelers as the top choice, with average rates of $1,577 a year.
- Erie Insurance is the second-best option.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 0.52 | 4.41 | $1,577 | 4.62 |
| Erie Insurance | A+ | 0.89 | 4.47 | $1,427 | 4.62 |
| Auto-Owners | A+ | 0.54 | 4.42 | $1,519 | 4.59 |
| Nationwide | A | 0.63 | 4.52 | $1,496 | 4.54 |
| GEICO | A++ | 0.69 | 4.43 | $1,762 | 4.47 |
| State Farm | A++ | 0.79 | 4.52 | $1,958 | 4.34 |
| American Family | A | 0.34 | 3.99 | $1,653 | 4.26 |
| Progressive | A+ | 0.71 | 4.4 | $1,986 | 4.2 |
| Amica | A+ | 0.75 | 4.68 | $2,187 | 4.15 |
| Farmers | A | 0.86 | 4.41 | $2,342 | 3.82 |
| Allstate | A+ | 1.1 | 4.36 | $2,483 | 3.75 |
| USAA | A++ | 1.18 | 4.71 | $1,341 | 4.76 |
Average car insurance for 45-year-olds by state
Each state sets its own minimum insurance requirements, which directly impacts the price of coverage. Because of this, rates for 45-year-old drivers can differ widely depending on where they live.
For 45-year-old male drivers:
- The lowest costs are in Maine, with annual premiums of $1,169 a year.
- The highest costs are in Louisiana, where yearly rates average $2,811 annually.
For 45-year-old female drivers:
- Maine offers the cheapest rates at an average of $1,142 a year.
- Louisiana is the most expensive at $2,830 per year.
Take a look at the table below to see the average car insurance rates for 45-year-olds in your state.
| State | Average annual male premium | Average annual female premium |
|---|---|---|
| Alaska | $1,658 | $1,627 |
| Alabama | $1,803 | $1,838 |
| Arkansas | $1,886 | $1,966 |
| Arizona | $1,773 | $1,788 |
| California | $2,386 | $2,385 |
| Colorado | $2,336 | $2,316 |
| Connecticut | $1,714 | $1,682 |
| Washington, D.C. | $2,144 | $2,122 |
| Delaware | $2,052 | $2,077 |
| Florida | $2,639 | $2,679 |
| Georgia | $1,926 | $1,957 |
| Hawaii | $1,517 | $1,517 |
| Iowa | $1,590 | $1,601 |
| Idaho | $1,417 | $1,377 |
| Illinois | $1,499 | $1,493 |
| Indiana | $1,461 | $1,471 |
| Kansas | $1,874 | $1,870 |
| Kentucky | $2,217 | $2,180 |
| Louisiana | $2,811 | $2,830 |
| Massachusetts | $1,703 | $1,702 |
| Maryland | $1,733 | $1,702 |
| Maine | $1,169 | $1,142 |
| Michigan | $2,292 | $2,292 |
| Minnesota | $1,908 | $1,857 |
| Missouri | $1,970 | $1,961 |
| Mississippi | $1,996 | $1,974 |
| Montana | $2,126 | $2,152 |
| North Carolina | $1,726 | $1,729 |
| North Dakota | $1,580 | $1,735 |
| Nebraska | $1,854 | $1,842 |
| New Hampshire | $1,248 | $1,230 |
| New Jersey | $1,877 | $1,874 |
| New Mexico | $1,994 | $2,038 |
| Nevada | $1,990 | $2,068 |
| New York | $1,842 | $1,860 |
| Ohio | $1,387 | $1,390 |
| Oklahoma | $2,094 | $2,130 |
| Oregon | $1,607 | $1,680 |
| Pennsylvania | $1,836 | $1,837 |
| Rhode Island | $2,038 | $2,021 |
| South Carolina | $2,016 | $1,975 |
| South Dakota | $2,262 | $2,212 |
| Tennessee | $1,639 | $1,638 |
| Texas | $2,066 | $2,027 |
| Utah | $1,748 | $1,835 |
| Virginia | $1,440 | $1,461 |
| Vermont | $1,320 | $1,273 |
| Washington | $1,558 | $1,612 |
| Wisconsin | $1,621 | $1,638 |
| West Virginia | $1,973 | $1,967 |
| Wyoming | $1,765 | $1,667 |
Average car insurance cost vs. teens
Car insurance rates go down as you get older and gain more driving experience. For example, a 25-year-old pays much less than a 16-year-old.
The table below lists average car insurance rates for different age groups, so you can see how rates for 45-year-olds stack up against drivers of other ages.
| Company Group | Teens (16-19) | Young Adults (20-24) | Adults (25-60) | Seniors (65-75) |
|---|---|---|---|---|
| Allstate | $7,437 | $3,754 | $2,509 | $2,477 |
| Farmers | $8,348 | $3,602 | $2,336 | $2,290 |
| GEICO | $5,049 | $2,647 | $1,776 | $1,787 |
| Nationwide | $5,285 | $2,556 | $1,533 | $1,456 |
| Progressive | $7,174 | $3,242 | $2,009 | $2,000 |
| State Farm | $5,368 | $3,179 | $1,985 | $1,858 |
| Travelers | $4,834 | $2,476 | $1,615 | $1,590 |
| USAA | $4,385 | $2,159 | $1,406 | $1,400 |
Methodology
Rates are fielded in partnership with Quadrant Information Services across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Data is further filtered to reflect:
- Specific driver age
- Rates for a driver added as a third driver on an existing policy with two parents
Learn more about our data and methodology.
Auto insurance FAQs
What car insurance discounts are there for 45-year-olds?
45-year-old drivers can qualify for many car insurance discounts, including good driver, claims-free, paperless billing, bundling and usage-based discounts.
Why does age affect car insurance rates?
Age relates to experience because most drivers get their licenses in their teens. It also relates to responsible behavior because older drivers usually take fewer risks.
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