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.

GenderAverage annual premiumAverage 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.

CompanyAverage premiumAnnual premium for maleAnnual 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 nameAM BestNAICSurvey scoreAverage annual premiumInsurance.com score
TravelersA++0.524.41$1,5774.62
Erie InsuranceA+0.894.47$1,4274.62
Auto-OwnersA+0.544.42$1,5194.59
NationwideA0.634.52$1,4964.54
GEICOA++0.694.43$1,7624.47
State FarmA++0.794.52$1,9584.34
American FamilyA0.343.99$1,6534.26
ProgressiveA+0.714.4$1,9864.2
AmicaA+0.754.68$2,1874.15
FarmersA0.864.41$2,3423.82
AllstateA+1.14.36$2,4833.75
USAAA++1.184.71$1,3414.76

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.

StateAverage annual male premiumAverage 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 GroupTeens (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