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, female 45-year-olds pay $1,870 a year for coverage. Male 45-year-olds pay an average of $1,867. However, factors such as location, driving record, and gender also significantly impact rates.
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.
If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, car insurance companies can't use gender to determine rates.
| 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 has the cheapest rates for 45-year-olds at an average of $1,496 a year, and Travelers is second at $1,577 a year.
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.
| 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've compared top insurance companies to see which offers the best coverage for 45-year-old drivers. Our analysis shows that Travelers is the top pick overall with average rates of $1,577. Erie Insurance is our second pick.
| 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
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 is the cheapest state of for male drivers at $1,169 a year. The most expensive state is Louisiana at $2,811 a year.
For female 45-year-old drivers Maine is the cheapest state at an average rate of $1,142 annually. Louisiana is the most expensive for females at $2,830 a year.
Check out the table below to see 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
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 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 |
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