Average Auto Insurance Rates by Age and Gender in 2026 (Who Has More Savings?)
Average auto insurance rates by age and gender range from $187 to $752 monthly. Age is the most significant factor when purchasing car insurance, as it correlates with driving experience. To find cheap auto insurance, compare rates from multiple companies. Your ideal coverage is just a few comparisons away.
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Insurance & Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Jimmy McMillan
Updated January 2025
The average auto insurance rates by age and gender reflect the differing risk profiles among various demographics of drivers. Understanding how the two factors, car and age, affect car insurance rates is important to drivers who are trying to be fiscally responsible. On average, auto insurance rates by state and age can differ widely, which we dive into below.
This guide shows average auto insurance rates by age and gender and offers tips and tricks for saving money through car insurance discounts. It’s important to research insurers to find the best car insurance for college students.
To compare average auto insurance rates by age and gender in your area, enter your ZIP code using the free comparison tool below.
- Young drivers pay more for auto insurance per month
- Seven states have outlawed auto insurers from using gender to determine rates
- Age and gender are significant factors that determine auto insurance rates
The Average Auto Insurance Rates by Age and Gender
The average car insurance rate, sometimes predicted by age, could have you paying between $187 and $752 monthly. Let’s look at an example of how much auto insurance costs by age, gender, and marital status.
Cost of Auto Insurance by Age & Gender| Age & Gender | Monthly Rates |
|---|---|
| Age: 17 Female | $630 |
| Age: 17 Male | $752 |
| Age: 25 Female | $225 |
| Age: 25 Male | $241 |
| Age: 35 Female | $204 |
| Age: 35 Male | $204 |
| Age: 45 Female | $210 |
| Age: 45 Male | $215 |
| Age: 60 Female | $187 |
| Age: 60 Male | $192 |
Young drivers tend to have more expensive rates, but senior drivers will likely carry cheap auto insurance rates. However, the average auto insurance by age and gender varies by state and company. The average car insurance cost for a single female in the United States ranges from $100 to $150 per month, depending on age, driving record, location, type of vehicle, and coverage type.
Average Monthly Auto Insurance by Age Group
Your age can reveal your driving experience to car insurance companies. Which age group pays the most for car insurance? Check out the data below for each group’s average auto insurance cost.
Liability Auto Insurance Monthly Rates by Age & Coverage Limits| Driver Age | 25/50/25 Policy | 50/100/50 Policy | 100/300/100 Policy |
|---|---|---|---|
| 16 | $222 | $253 | $607 |
| 17 | $184 | $210 | $510 |
| 18 | $159 | $181 | $450 |
| 19 | $112 | $127 | $323 |
| 20 | $98 | $111 | $288 |
| 21 | $76 | $86 | $228 |
| 22 | $70 | $79 | $209 |
| 23 | $64 | $72 | $193 |
| 24 | $60 | $68 | $182 |
| 25 | $55 | $61 | $163 |
| 30 | $50 | $56 | $147 |
| 35 | $50 | $55 | $145 |
| 40 | $49 | $55 | $143 |
| 45 | $47 | $53 | $137 |
| 50 | $46 | $51 | $131 |
| 55 | $45 | $50 | $127 |
| 60 | $45 | $50 | $126 |
| 65 | $46 | $52 | $129 |
| 70 | $50 | $55 | $136 |
| 75 | $56 | $63 | $151 |
Teen driver auto insurance is much more expensive than senior driver auto insurance. Auto insurance for seniors is lower because they take fewer risks and drive less than the average person.
According to the Centers for Disease Control (CDC), teen drivers are more likely to be involved in a fatal accident. Car accidents are one of the leading causes of teen death.
What about gender? Continue reading to learn about auto insurance by gender.
Average Monthly Auto Insurance by Gender
According to the Insurance Institute for Highway Safety, males are more likely to be involved in a fatal accident. Trends like this support the idea that male vs. female car insurance rates differ depending on the age bracket.
Why is this fact important? Auto insurance providers consider the facts and issue rates based on risk. Therefore, male drivers are likely to pay more for car insurance than female drivers.
We searched for general car insurance quotes but only found gender-based car insurance from Geico. Learn more in our Geico insurance review.
Let’s look at gender-based car insurance by state.
Monthly Geico Auto Insurance Rates by Gender & State| States | Female | Male |
|---|---|---|
| Alabama | $61 | $70 |
| Alaska | $62 | $57 |
| Arizona | $63 | $59 |
| Arkansas | $87 | $69 |
| Colorado | $131 | $108 |
| Connecticut | $52 | $54 |
| Delaware | $159 | $109 |
| District of Columbia | $106 | $95 |
| Florida | $106 | $104 |
| Georgia | $134 | $98 |
| Idaho | $48 | $45 |
| Illinois | $70 | $62 |
| Indiana | $56 | $51 |
| Iowa | $41 | $35 |
| Kansas | $55 | $54 |
| Kentucky | $64 | $55 |
| Louisiana | $182 | $150 |
| Maine | $29 | $31 |
| Maryland | $88 | $76 |
| Minnesota | $97 | $48 |
| Mississippi | $59 | $59 |
| Missouri | $83 | $73 |
| Nebraska | $87 | $80 |
| Nevada | $92 | $84 |
| New Hampshire | $60 | $54 |
| New Jersey | $67 | $58 |
| New Mexico | $78 | $66 |
| New York | $41 | $39 |
| North Dakota | $40 | $45 |
| Ohio | $61 | $57 |
| Oklahoma | $91 | $84 |
| Oregon | $72 | $66 |
| Rhode Island | $82 | $85 |
| South Carolina | $81 | $77 |
| South Dakota | $43 | $45 |
| Tennessee | $62 | $65 |
| Texas | $104 | $92 |
| Utah | $70 | $65 |
| Vermont | $30 | $36 |
| Virginia | $69 | $73 |
| Washington | $135 | $110 |
| West Virginia | $97 | $73 |
| Wisconsin | $50 | $47 |
| Wyoming | $32 | $33 |
| *U.S. Averages | $75 | $67 |
You may have noticed that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are not among the monthly rates. We skipped these seven states because they have outlawed gender-based auto insurance. To learn more about the laws and rates in California, check out the How to Get Cheap California Auto Insurance article.
For the states with gender-based car insurance rates, male drivers tend to pay more for insurance.
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Auto Insurance Rates at the Top Companies
We’ve seen the average cost of auto insurance by age and gender, but what about the best auto insurance companies?
Each company carries a unique cost. Some companies offer cheaper than average auto insurance for teen drivers, while other companies provide affordable auto insurance for veterans.
Here’s a summary of average auto insurance company rates by age and gender. We’ve also included marital status.
Auto Insurance Monthly Cost by Age, Gender, & Provider| Age & Gender |  |  |  |  |  |  |  |  |  |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Age: 17 Female | $774 | $500 | $710 | $471 | $968 | $480 | $724 | $496 | $776 | $401 |
| Age: 17 Male | $887 | $678 | $762 | $523 | $1,143 | $598 | $802 | $610 | $1,071 | $449 |
| Age: 25 Female | $285 | $191 | $246 | $198 | $330 | $224 | $225 | $195 | $194 | $166 |
| Age: 25 Male | $298 | $225 | $253 | $189 | $375 | $241 | $230 | $213 | $208 | $177 |
| Age: 35 Female | $263 | $184 | $213 | $192 | $317 | $197 | $191 | $173 | $182 | $129 |
| Age: 35 Male | $260 | $185 | $213 | $193 | $321 | $199 | $181 | $173 | $183 | $128 |
| Age: 60 Female | $243 | $166 | $195 | $187 | $287 | $178 | $166 | $156 | $171 | $121 |
| Age: 60 Male | $249 | $168 | $204 | $190 | $307 | $185 | $171 | $156 | $173 | $121 |
USAA is the cheapest company in terms of data. However, USAA is only available to veterans (active and retired) and their immediate families. The next most affordable auto insurance option is Geico and State Farm. The 10 best auto insurance companies that sell policies online can be helpful when deciding the best company for you.
Other Factors That Affect Car Insurance Rates
When you attempt to buy auto insurance, you’ll encounter several questions that contribute to your auto insurance policy’s overall cost. Insurance rates by car and age are not the only factors.
How do age and gender compare to driving record, credit history, coverage level, commute mileage, deductible, and location?
Driving Record
Your driving record is one of the essentials to car insurance rates. New, inexperienced drivers will face the same high prices as teen drivers, even with a clean driving record. If you are in need of the best car insurance for high-risk drivers, check out the article to learn more.
Credit History
According to auto insurance companies, there’s a correlation between your credit score and risk.
Experian reports that drivers with good and excellent credit scores present less risk for car insurance providers.
Teens are known for not having credit, so naturally, their rates will be more expensive.
However, adults with fair and poor credit are at risk for higher than average car insurance rates.
Coverage Level
When car insurance companies ask what type of coverage level you want, they talk about the maximum amount they will pay if you’re at fault in an accident.
The higher the coverage amount, the more you’ll pay for auto insurance.
Chris Abrams Licensed Insurance Agent
Particularly for those in their 30’s to 50s, driving experience and safer behavior tend to lead to being a lower risk. However, while the base rates may drop, your overall costs may not decline if you maintain the same high levels of coverage.
Commute Mileage
Like age and gender, commute mileage changes each policy period. Commute mileage is the number of miles you’ll travel during the policy.
If you have a long commute to work, expect to pay more for auto insurance. Short commutes and vehicles you only drive on weekends will produce lower prices.
Rates decrease as policyholders age. If you combine commute mileage, age, and gender with other factors, you may qualify for cheaper rates.
Deductible
Your deductible doesn’t change with time. Although some companies will allow you to deposit money into a deductible account, it doesn’t carry the same gradual decrease as age and gender.
Location
You saw that each state has a different average car insurance rate, and the cost of living varies by state.
As time passes, some areas in the United States face changes in statistics, which affect car insurance rates per year, just like age.
Location can impact the average auto insurance rates due to factors like traffic density, crime rates, and the frequency of accidents in an area. Local weather conditions and the cost of medical and repair services can also influence the costs. Be sure to look around and get the best rate for you.
Case Studies: Average Auto Insurance Rates by Age and Gender
Case studies on average auto insurance rates reveal significant disparities based on age and gender, highlighting the unique challenges faced by different driver demographics. For instance, young drivers, particularly male teen drivers, often face the highest premiums due to inexperience and risk factors. In contrast, female adult drivers generally benefit from lower rates, reflecting safer driving habits. Senior drivers may experience fluctuating costs as they age, while male veteran drivers often find their rates influenced by both experience and the type of vehicle insured.
Case Study 1: Young Driver
Sarah, an 18-year-old female, recently obtained her driver’s license and is excited about the freedom of driving. However, she is concerned about the high cost of car insurance for young drivers. After comparing quotes from different insurance companies, Sarah finds a policy that suits her needs. Her monthly car insurance premium amounts to $300.
Case Study 2: Senior Driver
John, a 65-year-old male, has years of driving experience and is now enjoying retirement. He is looking for affordable car insurance that offers sufficient coverage. After researching and comparing quotes, John finds an insurance company that provides the coverage he needs at a reasonable cost. His monthly car insurance premium is $150.
Case Study 3: Male Teen Driver
Alex is a 17-year-old male who just obtained his driver’s license. While he is thrilled to start driving, his parents are concerned about the high cost of insuring a teen driver.
After receiving quotes from insurance companies specializing in coverage for young drivers, Alex’s parents find a policy that meets their requirements. The monthly premium for Alex’s car insurance is $500.
Read this article to understand all the options around cheap car insurance for 16-year-old drivers.
Case Study 4: Female Adult Driver
Emily, a 30-year-old married woman, has a clean driving record and commutes to work daily. She wants to find affordable car insurance that offers comprehensive coverage. After requesting quotes from different insurance companies, Emily discovers a policy that suits her needs. Her monthly car insurance premium amounts to $200.
Case Study 5: Male Veteran Driver
Mike, a 40-year-old male veteran, has a good driving record and is looking for an insurance company that offers discounted rates for veterans. After researching insurance options specifically for veterans, Mike finds a company that provides affordable coverage. His monthly car insurance premium is $180.
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The Key Points of Auto Insurance Rates by Age and Gender
Ultimately, your auto insurance rates will be more expensive if you’re a teen or a new driver. Auto insurance rates will always be significantly influenced by age and gender. Younger drivers, particularly teenagers, tend to pay the highest premiums due to their lack of experience and higher likelihood of accidents. Married drivers pay much less for auto insurance rates, while single drivers face costly auto insurance quotes.
As drivers age, gain experience, and keep a good driving record, their rates will decrease in their 30s and 40s. However, rates may rise again for senior drivers due to the risk.
Gender plays a role, with young male drivers often paying more than females because of higher accident statistics. Over time, this gap tends to narrow, and by middle age, rates for men and women often equalize.
But there’s hope. You can get cheap car insurance rates with the right car insurance company. See more about the best full coverage car insurance.
First, you must compare the average auto insurance quotes by age and gender by entering your ZIP code in the FREE online quote tool below.
Frequently Asked Questions
How does gender affect car insurance?
Gender can affect car insurance rates because insurers use statistical data to assess the risk. Compare online car insurance quotes to save money.
Which age pays more for car insurance?
Studies show that young men under 25 pay more for car insurance than women of the same age. This is because men in this age group are statistically more likely to engage in riskier driving behaviors. However, as drivers age, the gender gap in premiums often narrows.
At what age is car insurance the cheapest?
Car insurance trends show the cheapest premiums for drivers to be in their mid-50s to early 60s.
Which age group pays more for car insurance, married or single?
Married individuals generally pay less for car insurance than single people, regardless of age, as insurers view married drivers as lower-risk.
What is the average monthly cost of car insurance?
The average auto insurance is about $120-$150 per month. Rates can be as low as $50 for low-risk drivers with basic coverage or over $300 for high-risk drivers.
What does the average 25-year-old spend on car insurance a year?
The average 25-year-old in the United States spends about $1500 to $24o0 per year on car insurance. The average car insurance for a first-time driver over 25 may tend to be a little higher.
Is women’s car insurance cheaper than men’s?
Women’s car insurance has been reported as cheaper than men’s, especially for younger drivers. Women are statistically less likely to be involved in accidents, drive aggressively, or receive traffic violations compared to men, especially in the age group under 25.
How much is car insurance per month for an 18-year-old?
The average car insurance premium by age, specifically, an 18-year-old, can be between $300 to $500 per month. For more information on this topic, please read Auto Insurance Cost for an 18-Year-Old.
How much does it cost to add a teenager to your car insurance with Geico?
Adding a teenager to your car insurance policy with Geico could significantly increase your monthly premium. The range is $200 to $400 additional per month for a teenager for full coverage auto insurance.
How long are you considered an inexperienced driver in NC?
In North Carolina, you are considered an inexperienced driver for twelve months after getting your (Class C) driver’s license. Check out how insurance companies calculate your car insurance rate.
How much is general car insurance a month?
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