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Average car insurance rates by age and gender in 2022

The cost of car insurance is higher for males drivers and people under 25 years old, but it's still possible to get affordable coverage.

Rachael Brennan headshotAndrew Hurst

By

Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated|5 min read

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Your age and gender can cause what you pay for car insurance to be more expensive. Car insurance can cost thousands of dollars more per year for young drivers than for older drivers, and rates are 6% higher on average for male drivers than female drivers of the same age.

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While your cost of car insurance will be more expensive if you’re younger, companies like State Farm, GEICO, and others still offer affordable auto insurance quotes to these drivers.

How we calculated car insurance rates by age and gender

Policygenius calculated the cost of car insurance for drivers of different ages and genders by analyzing rate data from every ZIP code in all 50 states and the District of Columbia. These rates were for full-coverage policies, for male and female drivers who were 16 through 70 years old.

Our sample driver owned a 2017 Toyota Camry, driven 10,000 miles per year. Sample rates reflect the following coverage limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

Rates were supplied by Quadrant Information Services. Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Average car insurance rates by age and gender

On average, the car insurance costs more for younger drivers. Auto insurance rates for drivers who are 16 years old are 310% more expensive than for drivers 30 to 45 years old. As a group, drivers 25 and younger pay $2,928 more per year, on average, than older drivers.

Car insurance is also more expensive for male drivers. On average, auto insurance costs male drivers 6% more per year than female drivers of the same age (that’s a difference of about $245 a year).

Age

Monthly cost

Yearly cost

16

$565

$6,779

17

$489

$5,868

18

$411

$4,931

19

$319

$3,822

21

$226

$2,708

25

$161

$1,929

30

$142

$1,706

35

$138

$1,654

45

$132

$1,583

55

$122

$1,463

60

$121

$1,449

65

$125

$1,494

70

$132

$1,585

Annual cost of full-coverage car insurance.

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Cheapest car insurance companies by age and gender

The cheapest companies vary by age and gender. We found that GEICO is often cheaper for male drivers compared to other top companies, but State Farm is usually the cheapest company for female drivers.

USAA tends to be the company with the absolute lowest auto insurance rates, but it’s only available to active and retired members of the military and their families. USAA has the lowest rates for men and women from 21 to 70 years old, but its limited availability means many drivers won’t qualify for coverage.

Age

Cheapest for male drivers

Cheapest for female drivers

16

State Farm

State Farm

17

GEICO

GEICO

18

GEICO

State Farm

19*

GEICO

GEICO

21*

GEICO

GEICO

25*

GEICO

State Farm

30*

GEICO

State Farm

35*

State Farm

State Farm

45*

State Farm

State Farm

55*

GEICO

State Farm

60*

GEICO

State Farm

65*

State Farm

State Farm

70*

State Farm

State Farm

Cheapest of the ten largest companies for male and female drivers. Ages with an asterisk next to them indicate that USAA is actually the cheapest company.

Car insurance rates by age

The average cost of car insurance decreases as drivers age. But while rates get cheaper once you turn 25, car insurance can still cost the youngest drivers thousands of dollars a year.

Although car insurance is much more expensive for younger drivers, auto insurance does get more affordable each year a driver remains accident-free. From ages 17 to 21, rates drop 17% each year, on average.

Age

Monthly cost

Yearly cost

16

$565

$6,779

17

$489

$5,862

18

$411

$4,931

19

$319

$3,822

21

$226

$2,708

25

$161

$1,929

30

$142

$1,705

35

$138

$1,654

45

$132

$1,582

55

$122

$1,462

60

$121

$1,449

65

$125

$1,494

70

$132

$1,585

Table shows the average monthly and annual costs of car insurance for drivers of different ages.

What age group has the lowest insurance rates?

Drivers ages 55 to 60 have the lowest car insurance rates of any age group. That’s because of their decades of experience behind the wheel — but rates start ticking up again around age 65, when the risk of accidents and claims start to rise again.

Age

Difference from average

Annual cost

16

310%

$6,779

17

255%

$5,862

18

199%

$4,931

19

131%

$3,822

21

64%

$2,708

25

17%

$1,929

30

3%

$1,705

35

0%

$1,654

45

-4%

$1,582

55

-12%

$1,462

60

-12%

$1,449

65

-10%

$1,494

70

-4%

$1,585

Table shows the difference between the average cost of car insurance for each age compared to the national average rate of $1,652 per year.

Why does age affect your car insurance rates?

The cost of car insurance for younger drivers is higher because they tend to get in more accidents. Despite making up at least 9% of the nation's licensed driving population, drivers younger than 25 years old were drivers in 21% of fatal crashes from 2016 to 2020. [1] [2]

As drivers age and use their cars less or avoid accidents, the high rates that their group faced when they were younger go down as well.

Age

Total crashes

Percent of all crashes

15-24

46,368

18%

25-34

55,257

21%

35-44

41,901

16%

45-54

39,437

15%

55-64

36,163

14%

65-74

21,088

8%

75+

15,341

6%

Total fatal crashes from 2016 to 2020, analyzed from data from the U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).

Car insurance rates by age and state

Age isn’t the only thing that matters when it comes to car insurance rates — your location also has a big effect on what you’ll pay for coverage.

Louisiana and Florida are two of the most expensive states for car insurance for drivers of all ages. Car insurance rates for 16-year-olds are 102% more expensive than average in Louisiana, while rates for Florida drivers who are 25 and 45 years old are 77% higher than average.

While the most expensive states for car insurance tend to be the same no matter a driver’s age, Hawaii, North Carolina, and Ohio all have the cheapest average auto insurance rates for drivers of different ages.

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State

16-year-olds

25-year-olds

45-year-olds

Alabama

$7,606

$2,028

$1,648

Alaska

$5,128

$1,553

$1,311

Arizona

$7,158

$1,838

$1,500

Arkansas

$7,182

$2,093

$1,704

California

$5,530

$2,223

$1,785

Colorado

$7,345

$2,018

$1,691

Connecticut

$9,721

$2,119

$1,734

Delaware

$10,247

$2,414

$2,058

District of Columbia

$8,021

$2,098

$1,754

Florida

$10,564

$3,294

$2,812

Georgia

$7,168

$2,057

$1,664

Hawaii

$1,472

$1,200

$1,200

Idaho

$5,241

$1,346

$1,053

Illinois

$6,202

$1,671

$1,320

Indiana

$4,512

$1,411

$1,147

Iowa

$4,265

$1,350

$1,099

Kansas

$5,756

$1,863

$1,529

Kentucky

$8,937

$2,558

$2,059

Louisiana

$13,666

$3,418

$2,807

Maine

$4,431

$1,395

$1,084

Maryland

$7,255

$2,166

$1,721

Massachusetts

$6,855

$1,809

$1,548

Michigan

$8,300

$2,873

$2,314

Minnesota

$4,794

$1,655

$1,366

Mississippi

$6,759

$1,997

$1,591

Missouri

$6,376

$1,894

$1,492

Montana

$7,878

$2,189

$1,817

Nebraska

$6,063

$2,005

$1,657

Nevada

$9,174

$2,470

$2,054

New Hampshire

$5,245

$1,650

$1,172

New Jersey

$11,148

$2,588

$2,209

New Mexico

$5,795

$1,653

$1,432

New York

$6,723

$2,415

$2,133

North Carolina

$3,185

$1,060

$1,000

North Dakota

$6,415

$1,578

$1,331

Ohio

$4,434

$1,238

$982

Oklahoma

$7,819

$2,209

$1,839

Oregon

$5,973

$1,675

$1,403

Pennsylvania

$7,154

$1,955

$1,509

Rhode Island

$10,524

$2,195

$1,782

South Carolina

$7,031

$2,201

$1,782

South Dakota

$5,567

$1,836

$1,565

Tennessee

$6,178

$1,563

$1,265

Texas

$7,371

$2,199

$1,754

Utah

$7,789

$1,729

$1,451

Vermont

$4,231

$1,340

$1,080

Virginia

$5,742

$1,615

$1,220

Washington

$6,899

$1,925

$1,600

West Virginia

$6,889

$2,045

$1,625

Wisconsin

$5,108

$1,228

$1,015

Wyoming

$5,649

$1,591

$1,354

Average yearly costs of full-coverage car insurance.

Car insurance rates by gender

On average, average car insurance costs for male drivers are higher than for their female counterparts. The cost of insurance still goes down for men over time, but male drivers pay an average of $16 more per month, or $189 more per year, for coverage.

It’s still possible for men to find affordable insurance, even if their coverage tends to cost slightly more than the average female driver’s. And some states don’t allow car insurance providers to charge more based on gender, so male and female drivers will pay the same rates.

Driver's gender

Monthly cost

Annual cost

Female

$199

$2,385

Male

$215

$2,574

Difference

$16

$189

Cost of full coverage car insurance.

Which gender has the lowest insurance rates?

Male drivers have slightly higher insurance rates than female drivers in most states, but the difference in the costs of car insurance for by gender depends on the state. In some states, auto insurance companies aren’t allowed to set rates based on gender. These states are:

  • California

  • Hawaii

  • Massachusetts

  • Michigan

  • Montana

  • Pennsylvania

Among the states where car insurance can consider a driver’s gender, the difference in the cost of car insurance for women and men is the smallest in North Carolina, where coverage costs men just $3 more per year. In Louisiana, male drivers pay an average of $404 more per year for coverage than their female counterparts — the biggest disparity of any state.

State

Female drivers

Male drivers

Difference

Alabama

$2,574

$2,873

$300

Alaska

$1,886

$2,060

$173

Arizona

$2,359

$2,571

$213

Arkansas

$2,543

$2,735

$192

California

$2,523

$2,523

$0

Colorado

$2,507

$2,738

$231

Connecticut

$2,894

$3,156

$262

Delaware

$3,183

$3,505

$323

District of Columbia

$2,661

$3,024

$363

Florida

$4,057

$4,275

$218

Georgia

$2,498

$2,782

$284

Hawaii

$1,236

$1,236

$0

Idaho

$1,696

$1,854

$158

Illinois

$2,064

$2,267

$203

Indiana

$1,669

$1,809

$139

Iowa

$1,551

$1,669

$117

Kansas

$2,176

$2,333

$157

Kentucky

$3,101

$3,371

$270

Louisiana

$4,389

$4,793

$404

Maine

$1,639

$1,814

$174

Maryland

$2,632

$2,901

$268

Massachusetts

$2,549

$2,549

$0

Michigan

$3,429

$3,429

$0

Minnesota

$1,874

$2,015

$140

Mississippi

$2,378

$2,600

$222

Missouri

$2,200

$2,427

$227

Montana

$2,861

$2,861

$0

Nebraska

$2,280

$2,500

$220

Nevada

$3,143

$3,428

$285

New Hampshire

$1,852

$2,037

$185

New Jersey

$3,535

$3,812

$277

New Mexico

$2,120

$2,250

$130

New York

$2,837

$3,093

$256

North Carolina

$1,328

$1,331

$3

North Dakota

$2,014

$2,217

$203

Ohio

$1,534

$1,650

$116

Oklahoma

$2,733

$3,027

$295

Oregon

$2,153

$2,235

$83

Pennsylvania

$2,488

$2,488

$0

Rhode Island

$3,077

$3,412

$335

South Carolina

$2,635

$2,844

$210

South Dakota

$2,120

$2,323

$202

Tennessee

$2,009

$2,204

$195

Texas

$2,631

$2,873

$241

Utah

$2,368

$2,579

$211

Vermont

$1,578

$1,759

$182

Virginia

$1,922

$2,146

$223

Washington

$2,453

$2,606

$153

West Virginia

$2,415

$2,678

$263

Wisconsin

$1,618

$1,759

$141

Wyoming

$1,921

$2,246

$324

Table shows the average annual costs of car insurance for drivers of different genders.

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We don't sell your information to third parties.

Why does gender affect your car insurance rates?

Auto insurance coverage for women is slightly cheaper than it is for male drivers because men tend to get into more accidents than female drivers, which means they have to make more claims. From 2016 to 2020, men were drivers for an average of 24,701 more fatal crashes per year than women.

During this five-year period, men were the drivers in 72% of fatal crashes

At the end of 2020 the number of fatal crashes involving female drivers fell by 3% compared to 2016, while it actually increased by 4% for male drivers. Since car insurance companies use data to predict how likely you’ll be to file a claim, more accidents involving male drivers can lead to higher car insurance rates for men.

Year

Male drivers

Female drivers

2016

37,941

13,376

2017

38,028

13,673

2018

37,406

13,379

2019

37,196

13,000

2020

39,393

13,033

Total fatal crashes for male and female drivers from 2016 to 2020, analyzed from data from the U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).

Frequently Asked Questions

Does gender affect the cost of car insurance?

Yes, generally the cost of car insurance is slightly more expensive for male drivers than it is for female drivers. On average, car insurance costs about $189 more per year for men than women — or $16 per month.

Does your car insurance get cheaper when you turn 25?

Your car insurance rates typically go down as you age, and the biggest drop happens as you turn 25. Still, there are many things that can impact your rates. For example, if you go from being a 24-year-old with a clean driving record to being a 25-year-old with a DUI, your insurance rates will go up instead of down.

Why does gender affect car insurance?

Men tend to get into more car accidents and file more claims than women. For example, from 2016 to 2020, men were the drivers in 72% of fatal crashes in the U.S., according to data we analyzed from the National Highway Traffic Safety Administration.

Why does age affect car insurance?

Car insurance is more expensive for younger drivers because they’re more likely to have accidents and need to file claims than older drivers. From 2016 to 2020, drivers under 25 made up 18% of the country’s fatal crashes despite only representing 9% of the population.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. National Highway Traffic Safety Administration

    . "

    Fatality Analysis Reporting System (FARS)

    ." Accessed June 07, 2022.

  2. Federal Highway Administration

    . "

    Licensed Drivers by Age and Sex

    ." Accessed June 07, 2022.

Authors

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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