Average car insurance rates by age and gender for 2026

How do age and gender affect the average cost of car insurance?

Age has the greatest impact on car insurance rates for drivers under 25, and gender differences in rates are also the largest in this age group. At 16, males pay an average of $10,928 a year, while females pay $9,846, a difference of $1,082. By age 30, the gap narrows to $5, with males paying $2,734 and females $2,729. And at ages 35-45, females pay slightly more, with the biggest difference at age 40, where females pay $15 more than males

Teen drivers pay the most for car insurance because they have less experience on the road, and teen males pay the most because they're statistically more likely to cause an accident. Rates decrease with age and experience, and the statistical difference between males and females narrows.

The table below compares rates by age for a female and male driver.

Graph

Table

Average car insurance rates by age and gender
Driver age	Female	Male
16	$9,846	$10,928
17	$8,121	$9,105
18	$7,047	$7,946
19	$5,395	$6,041
20	$4,893	$5,454
21	$4,020	$4,441
22	$3,723	$4,011
23	$3,749	$3,713
24	$3,303	$3,490
25	$2,997	$3,091
30	$2,729	$2,734
35	$2,655	$2,684
40	$2,585	$2,570
45	$2,533	$2,523
50	$2,418	$2,424
55	$2,329	$2,352
60	$2,297	$2,327
65	$2,333	$2,373
70	$2,467	$2,528
75	$2,681	$2,803

Read our methodology

Teen (16-19)

People ask

Which gender pays more for car insurance?

Males generally pay more for car insurance than females, but this difference is most notable in younger drivers; at 16, males pay $1,082 a year more than females. By age 30, the difference is negligible, only $5.

How does age affect average car insurance rates in your state?

Younger drivers pay more for car insurance in every state, but the premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. gap varies by location. 16-year-olds in Alaska pay an average of $539 monthly for full-coverage car insurance. 50-year-olds in the same state pay an average of $130 monthly for the same coverage. In contrast, 16-year-old drivers in Florida pay an average of $919 per month for full-coverage car insurance, while 50-year-old drivers in the same state pay an average of $220 per month.

The table below displays the average car insurance rates in each state by age.

Company name	Average annual premium	Average monthly premium
Allstate	$3,569	$297
Farmers	$3,261	$272
GEICO	$2,214	$185
Mercury Insurance	$3,358	$280
National General Insurance	$3,103	$259
Nationwide	$2,150	$179
Progressive	$2,902	$242
State Farm	$2,119	$177
Travelers	$2,356	$196
United Automobile Insurance	$2,796	$233

Read our methodology

People ask

How much more does a 16-year-old pay for auto insurance each month than a 50-year-old?

It depends on a number of factors, including driving record, but on average, a 16-year-old male pays $8,504 a year more than a 50-year-old male, and for female drivers, the difference is $7,428.

Average car insurance rates by age and company

Car insurance rates vary significantly by company. For a 16-year-old driver, GEICO is the cheapest option at $703 a month, with rates ranging up to $1,503 with Farmers. At age 40, Travelers is cheapest at $164 a month, rates range up to $267 a month with Farmers.

Travelers is the cheapest option for most drivers 18 and older. USAA is often a cheaper choice ($673 at age 16, $136 at age 40), but it only covers military families.

While age affects rates across the board, some insurance companies are more willing to work with young drivers, reflected in lower average costs and discounts designed for young drivers.

Below, you'll find car insurance rates by company and age.

Company Group	Average annual premium	Average monthly premium
Allstate	$9,968	$831
Farmers	$11,592	$966
GEICO	$6,375	$531
Nationwide	$6,094	$508
Progressive	$9,295	$775
State Farm	$6,339	$528
Travelers	$6,334	$528
USAA	$6,239	$520

Why does age affect car insurance rates?

Age affects car insurance rates because younger drivers are statistically more likely to cause accidents and file claims. The Insurance Institute for Highway Safety (IIHS) reports that drivers aged 16 to 19 have a fatal crash rate three times higher than drivers aged 20 and up, and this risk level directly affects premiums. Rates decline with driving experience and reduced accident rates.

At what age does car insurance go down?

Car insurance rates go down every year as you get older, until age 60, when drivers see the cheapest average rates.

Although it's often stated that rates drop at age 25, there are continuous reductions each year. After age 25, the reductions are generally smaller.
Rates are affected by numerous factors, so it's not guaranteed that your rates will go down as you age. If, for example, you are involved in an at-fault accident, get a ticket or buy a new car that's more costly to insure, you'll see higher rates.
Rates start to increase again after age 65, but not nearly as much as for teen drivers.

Which states don’t allow age as a rating factor for car insurance?

Hawaii and Massachusetts don't allow the use of age as a car insurance rating factor. In every other state, your age will affect your rates. Note that in Massachusetts, insurance companies can still use years of driving experience for rating, which means that a 16-year-old will pay more due to lack of experience, but so, too will a newly licensed 30-year-old.

How does gender affects car insurance rates, and why?

Males pay more for car insurance at almost every age because they are statistically more likely to be involved in accidents. The IIHS reports that males were driving in two out of three fatal accidents involving teen drivers. The risk difference reduces as male drivers age. At age 16, a male driver pays an average of $10,928 a year, while a 16-year-old female pays $9,846. By age 30, the difference is down to only $5: $2,734 for a male and $2,729 for a female.

However, there is a brief reversal in this rate trend between the ages of 35 and 45, when females pay slightly more. The gap is biggest at age 45, with females paying $15 more than males at $2,585 vs. $2,570.

Which states don’t allow gender as a rating factor for car insurance?

Eight states don’t allow the use of gender as a rating factor: California, Hawai'i, Massachusetts, Maine, Michigan, Montana, North Carolina and Pennsylvania. In all other states, male drivers will pay more for car insurance, particularly while under the age of 25, after which the gender gap narrows.

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. and for ages ranging from 16 to 75.

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

Learn more about our data and methodology.

FAQ: Car insurance rates by age and gender

What age does car insurance go down for males?

Rates for male drivers decrease each year with a clean driving record, reaching their lowest point at age 60, with an average rate of $2,327. After age 60, rates start to increase again. There is no single age at which a dramatic drop occurs; rather, rates decline steadily over time.

At what age do insurance rates go down for females?

Rates for female drivers with a clean driving record decline each year, reaching their lowest point at age 60, with an average of $2,297. After age 60, rates increase again. There's now specific age at which rates drop suddenly; the decrease happens over time.

Which gender pays more for car insurance?

Men pay more for car insurance than women at most ages because they are statistically more likely to get into a car accident. The largest age gap is at age 16, when males pay $1,082 more per year than females. However, at ages 35 through 45, females pay slightly more for car insurance, paying an average of $15 more per year at age 45, when the gap is largest.

Which age group pays the most for car insurance?

16-year-olds pay the most for car insurance, averaging $9,846 per year for females and $10,928 per year for males. Rates remain highest through the teen years and into the 20s until about age 25, when the average female pays $2,997 and the average male $3,091.

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