How much is car insurance for 45-year-old drivers?
For drivers who are 45 years old, average car insurance rates are $2,523 per year for males and $2,533 for females. Your actual rate depends on factors like location, driving record, vehicle, coverage, deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and policy details.
Age strongly affects pricing because it reflects driving experience and risk. In most states, insurers can also use gender in pricing. On average, male drivers pay more due to higher accident and risk rates.
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 | $2,523 | $210 |
| Female | $2,533 | $211 |
Average car insurance for 45-year-old drivers by company
Travelers offers the cheapest average insurance for a driver at 45 years old, at $1,936 annually. Rates vary by insurer because each company uses its own pricing model.
For 45-year-olds, the most affordable options are:
- Male drivers: Travelers with an annual rate of $1,952.
- Female drivers: Travelers with yearly costs of $1,919.
| Company | Annual premium for male | Annual premium for female |
|---|---|---|
| Travelers | $1,952 | $1,919 |
| GEICO | $2,144 | $2,161 |
| Nationwide | $2,453 | $2,409 |
| Progressive | $2,489 | $2,551 |
| State Farm | $2,840 | $2,847 |
| Farmers | $3,057 | $3,177 |
| Allstate | $3,110 | $3,133 |
| USAA | $1,586 | $1,561 |
Best car insurance for 45-year-old driver
Travelers ranks as the top insurer for 45-year-old drivers with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,936. GEICO ranks second. These insurers stand out because they balance affordable pricing with financial strength, high customer satisfaction, and dependable service.
Our findings show:
- Travelers ranks first, offering average yearly premiums of $1,936.
- GEICO stands out as the second-strongest option.
| Company name | AM Best | NAIC | Survey score | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 0.62 | 4.37 | $1,936 | 4.69 |
| GEICO | A++ | 0.60 | 4.27 | $2,152 | 4.55 |
| Nationwide | A | 0.64 | 4.41 | $2,431 | 4.29 |
| Progressive | A+ | 0.60 | 4.15 | $2,520 | 4.24 |
| Amica | A+ | 0.59 | 4.19 | $2,731 | 4.16 |
| State Farm | A+ | 0.87 | 4.38 | $2,844 | 4.07 |
| Allstate | A+ | 1.20 | 4.35 | $3,122 | 3.79 |
| Farmers | A | 1.24 | 4.30 | $3,116 | 3.67 |
| USAA | A++ | 1.16 | 4.55 | $1,573 | 4.72 |
Average car insurance for 45-year-olds by state
Where you live can have a major effect on car insurance costs. State coverage laws, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. frequency, medical expenses, repair prices, weather, and traffic conditions all influence premiums. Rates range from $1,654 for male drivers in New Hampshire to $3,875 in Michigan.
For 45-year-old male drivers:
- The lowest costs are in New Hampshire, with annual premiums of $1,654 a year.
- The highest costs are in Michigan, where yearly rates average $3,875 annually.
For 45-year-old female drivers:
- Vermont provides the lowest average yearly premium at $1,570 yearly.
- Nevada has the highest annual cost, averaging $4,023 a year.
Check 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 | $2,138 | $2,114 |
| Alabama | $2,069 | $2,031 |
| Arkansas | $2,792 | $2,846 |
| Arizona | $2,351 | $2,394 |
| California | $3,369 | $3,369 |
| Colorado | $3,081 | $3,158 |
| Connecticut | $2,705 | $2,665 |
| Washington, D.C. | $3,431 | $3,414 |
| Delaware | $3,121 | $3,135 |
| Florida | $3,873 | $3,985 |
| Georgia | $2,494 | $2,453 |
| Hawaii | $1,757 | $1,757 |
| Iowa | $2,384 | $2,407 |
| Idaho | $1,882 | $1,842 |
| Illinois | $1,894 | $1,868 |
| Indiana | $1,813 | $1,833 |
| Kansas | $2,452 | $2,460 |
| Kentucky | $2,604 | $2,563 |
| Louisiana | $3,838 | $3,893 |
| Massachusetts | $2,382 | $2,382 |
| Maryland | $1,977 | $1,926 |
| Maine | $1,800 | $1,748 |
| Michigan | $3,875 | $3,875 |
| Minnesota | $2,591 | $2,547 |
| Missouri | $2,109 | $2,091 |
| Mississippi | $2,366 | $2,359 |
| Montana | $2,416 | $2,455 |
| North Carolina | $2,567 | $2,567 |
| North Dakota | $2,371 | $2,324 |
| Nebraska | $2,081 | $2,009 |
| New Hampshire | $1,654 | $1,646 |
| New Jersey | $3,087 | $3,087 |
| New Mexico | $2,523 | $2,535 |
| Nevada | $3,791 | $4,023 |
| New York | $2,521 | $2,624 |
| Ohio | $1,746 | $1,744 |
| Oklahoma | $2,951 | $2,951 |
| Oregon | $1,969 | $2,054 |
| Pennsylvania | $2,294 | $2,294 |
| Rhode Island | $2,840 | $2,793 |
| South Carolina | $2,419 | $2,367 |
| South Dakota | $2,585 | $2,480 |
| Tennessee | $2,130 | $2,127 |
| Texas | $3,060 | $3,067 |
| Utah | $2,213 | $2,358 |
| Virginia | $1,785 | $1,826 |
| Vermont | $1,676 | $1,570 |
| Washington | $2,291 | $2,426 |
| Wisconsin | $2,275 | $2,301 |
| West Virginia | $2,366 | $2,347 |
| Wyoming | $2,063 | $1,946 |
Average car insurance cost vs. teens
Insurance costs drop after the teen years because drivers gain experience and build a safe record. 45-year-olds usually pay less than a 16-year-old, but rates still depend on location, car, coverage, and driving history.
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 | $9,659 | $4,714 | $3,144 | $3,170 |
| Farmers | $12,511 | $4,920 | $3,151 | $3,078 |
| GEICO | $6,507 | $3,240 | $2,159 | $2,237 |
| Nationwide | $8,661 | $4,268 | $2,523 | $2,370 |
| Progressive | $9,823 | $4,083 | $2,549 | $2,404 |
| State Farm | $7,981 | $4,586 | $2,883 | $2,745 |
| Travelers | $6,597 | $3,057 | $1,974 | $1,987 |
| USAA | $5,528 | $2,611 | $1,647 | $1,681 |
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.
Frequently asked questions: Car insurance for 45-year-olds
Is full coverage worth it for 45-year-olds?
Full coverage may be worth it if your vehicle is financed, leased, or expensive to replace. It adds comprehensive and collision coverageCollision coverage helps pay for repairs or replacement of your car if it's damaged in an accident, regardless of who is at fault and is subject to a deductible. to liability and other state-required coverages and pays for damage to your vehicle. For an older, low-value car, compare the annual premium and deductible with the car's current value.
What car insurance discounts are available for 45-year-olds?
Drivers at 45 years old may qualify for good driver, claims-free, bundling, multi-car, paperless billing, automatic payment, and usage-based insurance discounts. Discount availability and eligibility vary, so ask each insurer to include every applicable discount in your quote.
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