Average car insurance rates by age and gender for 2026

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

Teen drivers pay the most for car insurance because they have less experience on the road, and teen males pay the most. For example, at 16, a male pays an average of $7,530 for car insurance, while a female 16-year-old pays an average of $6,742.

By age 40, male drivers pay an average of $1,895 per year for full coverage car insurance, while female drivers pay $1,894. Rates decline with maturity and experience on the road.

Compare car insurance rates by age and gender below.

Graph

Table

Average car insurance rates by age and gender
Driver age	Female	Male
16	$6,742	$7,530
17	$5,615	$6,261
18	$4,943	$5,533
19	$3,871	$4,360
20	$3,527	$3,935
21	$2,953	$3,226
22	$2,745	$2,962
23	$2,578	$2,751
24	$2,448	$2,590
25	$2,219	$2,291
30	$2,003	$2,014
35	$1,941	$1,947
40	$1,894	$1,895
45	$1,868	$1,865
50	$1,783	$1,790
55	$1,725	$1,743
60	$1,704	$1,724
65	$1,728	$1,752
70	$1,819	$1,859
75	$1,969	$2,046

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. By age 40, the difference disappears.

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

While the general trend of younger drivers paying more for car insurance often holds true, it’s more pronounced in some states than others.

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 $5,740 a year more than a 50-year-old male, and for female drivers the difference is $4,959.

Average car insurance rates by age and company

Some insurance companies are more willing to work with young drivers, which is reflected in lower average costs or discounts designed for young drivers.

For example, Allstate and Farmers tend to have higher rates for 16-year-old drivers than USAA and GEICO, which offer rates on the lower end for young drivers.

However, middle-aged drivers tend to find the lowest rates with USAA, Nationwide, and Travelers; USAA is only available to military community members and their families.

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

Average car insurance rates by age and company
Age	Company Group	Average annual premium	Average monthly premium
16	Allstate	$9,968	$831
16	Farmers	$11,592	$966
16	GEICO	$6,375	$531
16	Nationwide	$6,094	$508
16	Progressive	$9,295	$775
16	State Farm	$6,339	$528
16	Travelers	$6,334	$528
16	USAA	$6,239	$520
17	Allstate	$8,041	$670
17	Farmers	$9,030	$753
17	GEICO	$5,431	$453
17	Nationwide	$5,664	$472
17	Progressive	$7,962	$664
17	State Farm	$5,628	$469
17	Travelers	$4,991	$416
17	USAA	$4,494	$375
18	Allstate	$6,871	$573
18	Farmers	$7,903	$659
18	GEICO	$4,644	$387
18	Nationwide	$5,173	$431
18	Progressive	$7,035	$586
18	State Farm	$5,053	$421
18	Travelers	$4,196	$350
18	USAA	$3,790	$316
19	Allstate	$5,170	$431
19	Farmers	$5,155	$430
19	GEICO	$3,759	$313
19	Nationwide	$4,209	$351
19	Progressive	$4,591	$383
19	State Farm	$4,320	$360
19	Travelers	$3,391	$283
19	USAA	$3,017	$251
20	Allstate	$4,728	$394
20	Farmers	$4,715	$393
20	GEICO	$3,387	$282
20	Nationwide	$3,652	$304
20	Progressive	$4,171	$348
20	State Farm	$3,904	$325
20	Travelers	$3,029	$252
20	USAA	$2,757	$230
21	Allstate	$3,896	$325
21	Farmers	$3,728	$311
21	GEICO	$2,764	$230
21	Nationwide	$2,551	$213
21	Progressive	$3,401	$283
21	State Farm	$3,354	$280
21	Travelers	$2,526	$211
21	USAA	$2,179	$182
22	Allstate	$3,604	$300
22	Farmers	$3,418	$285
22	GEICO	$2,508	$209
22	Nationwide	$2,312	$193
22	Progressive	$3,109	$259
22	State Farm	$3,100	$258
22	Travelers	$2,338	$195
22	USAA	$2,048	$171
23	Allstate	$3,369	$281
23	Farmers	$3,170	$264
23	GEICO	$2,355	$196
23	Nationwide	$2,182	$182
23	Progressive	$2,865	$239
23	State Farm	$2,829	$236
23	Travelers	$2,193	$183
23	USAA	$1,949	$162
24	Allstate	$3,188	$266
24	Farmers	$3,031	$253
24	GEICO	$2,222	$185
24	Nationwide	$2,085	$174
24	Progressive	$2,677	$223
24	State Farm	$2,640	$220
24	Travelers	$2,069	$172
24	USAA	$1,864	$155
25	Allstate	$2,911	$243
25	Farmers	$2,646	$221
25	GEICO	$2,034	$170
25	Nationwide	$1,831	$153
25	Progressive	$2,369	$197
25	State Farm	$2,321	$193
25	Travelers	$1,832	$153
25	USAA	$1,749	$146
30	Allstate	$2,626	$219
30	Farmers	$2,456	$205
30	GEICO	$1,829	$152
30	Nationwide	$1,626	$136
30	Progressive	$2,182	$182
30	State Farm	$2,043	$170
30	Travelers	$1,733	$144
30	USAA	$1,503	$125
35	Allstate	$2,539	$212
35	Farmers	$2,399	$200
35	GEICO	$1,791	$149
35	Nationwide	$1,593	$133
35	Progressive	$2,107	$176
35	State Farm	$1,993	$166
35	Travelers	$1,689	$141
35	USAA	$1,432	$119
40	Allstate	$2,509	$209
40	Farmers	$2,387	$199
40	GEICO	$1,763	$147
40	Nationwide	$1,548	$129
40	Progressive	$1,998	$167
40	State Farm	$1,975	$165
40	Travelers	$1,587	$132
40	USAA	$1,381	$115
45	Allstate	$2,483	$207
45	Farmers	$2,342	$195
45	GEICO	$1,762	$147
45	Nationwide	$1,496	$125
45	Progressive	$1,986	$166
45	State Farm	$1,950	$163
45	Travelers	$1,565	$130
45	USAA	$1,341	$112
50	Allstate	$2,380	$198
50	Farmers	$2,233	$186
50	GEICO	$1,698	$142
50	Nationwide	$1,438	$120
50	Progressive	$1,851	$154
50	State Farm	$1,889	$157
50	Travelers	$1,528	$127
50	USAA	$1,298	$108
55	Allstate	$2,314	$193
55	Farmers	$2,152	$179
55	GEICO	$1,670	$139
55	Nationwide	$1,380	$115
55	Progressive	$1,793	$149
55	State Farm	$1,822	$152
55	Travelers	$1,425	$119
55	USAA	$1,274	$106
60	Allstate	$2,298	$192
60	Farmers	$2,083	$174
60	GEICO	$1,664	$139
60	Nationwide	$1,351	$113
60	Progressive	$1,790	$149
60	State Farm	$1,782	$149
60	Travelers	$1,424	$119
60	USAA	$1,266	$106
65	Allstate	$2,352	$196
65	Farmers	$2,144	$179
65	GEICO	$1,662	$139
65	Nationwide	$1,372	$114
65	Progressive	$1,836	$153
65	State Farm	$1,757	$146
65	Travelers	$1,460	$122
65	USAA	$1,290	$108
70	Allstate	$2,430	$203
70	Farmers	$2,295	$191
70	GEICO	$1,769	$147
70	Nationwide	$1,439	$120
70	Progressive	$1,977	$165
70	State Farm	$1,833	$153
70	Travelers	$1,547	$129
70	USAA	$1,378	$115
75	Allstate	$2,647	$221
75	Farmers	$2,434	$203
75	GEICO	$1,931	$161
75	Nationwide	$1,557	$130
75	Progressive	$2,189	$182
75	State Farm	$1,968	$164
75	Travelers	$1,712	$143
75	USAA	$1,533	$128

Read our methodology

Why does age affect car insurance rates?

Age affects car insurance rates because it's statistically correlated with the odds of a 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.. Younger drivers are more likely to cause an accident and file a claim.

Insurance companies rely on extensive data to determine car insurance rates, and that data shows that younger drivers are at a much higher risk to insure because they’re inexperienced on the road and have more accidents. 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.

Insurers compensate for this higher risk by charging younger drivers higher premiums.

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?

These two states don’t allow age as a rating factor:

Hawaii
Massachusetts

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?

Gender affects car insurance rates because, again, there's a statistical correlation between gender and the likelihood of an accident,

Male drivers pay more for coverage they’re more likely to get into accidents than female drivers. This difference is much bigger for younger drivers; older male drivers pay rates similar to females of the same age. The IIHS reports a higher incidence of fatal crashes among young male drivers; two out of three involved a teen male driver.

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

The states that don’t allow the use of gender as a rating factor are:

California
Hawaii
Massachusetts
Maine
Michigan
Montana
North Carolina
Pennsylvania

In other states, your gender will impact your car insurance rates.

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 go down each year; there is no specific age at which rates drop. Rates are the lowest for male drivers at age 60.

At what age do insurance rates go down for females?

Female drivers will see their insurance rates go down every year, as long as they keep a clean driving record. Rates are the lowest at age 60.

Which gender pays more for car insurance?

Men tend to pay more for car insurance than women. That’s because men are statistically more likely to get into a car accident than women. However, in your 30s-50s, the rates will likely only differ by a few dollars yearly.