Average Car Insurance Rates by Age and Gender: Everything You Need to Know

If you are a new driver or parent of a teen, you’re probably familiar with the high cost of auto insurance for young adults. Insurance companies charge drivers in their teens and 20s more because of their lack of experience and higher statistical risk of accidents. The finance website NerdWallet reported that the accident rate for drivers ages 16 and 17 is nearly 450 percent the rate for drivers ages 30 to 59, according to research from the AAA Foundation for Traffic Safety. As you shop around for pricing, here’s what you need to know about average car insurance rates by age and gender.

Average Minimum Coverage Rates by Gender and Age

NerdWallet reports these average annual premiums by gender and age for state minimum auto insurance coverage:

  • Age 16: $2620 for females, $2374 for males
  • Age 17: $2090 for males, $1868 for females
  • Age 18: $1761 for males, $1573 for females
  • Age 19: $1244 for males, $1125 for females
  • Age 20: $1088 for males, $992 for females
  • Age 21: $882 for males, $821 for females
  • Age 22: $813 for males, $766 for females
  • Age 23: $745 for males, $709 for females
  • Age 24: $698 for males, $671 for females
  • Age 25: $617 for males, $614 for females
  • Age 30: $555 for males, $572 for females
  • Age 35: $548 for males, $569 for females
  • Age 40: $545 for males, $564 for females
  • Age 45: $542 for males, $560 for females
  • Age 50: $531 for males, $539 for females
  • Age 55: $522 for males, $528 for females
  • Age 60: $524 for males, $529 for females
  • Age 65: $549 for males, $551 for females
  • Age 70: $590 for males, $587 for females
  • Age 75: $671 for males, $651 for females
  • Age 80: $770 for males, $726 for females

    Average Full Coverage Rates by Gender and Age

    The Zebra reports that the difference for a six-month auto insurance policy on average for men and women of all ages is just $5. Before age 20, however, men pay about 14 percent more for auto insurance than their female counterparts.

    Full coverage insurance varies by state and individual insurance company but usually comprises state minimum liability coverage, along with comprehensive and collision insurance. Some states also include medical payments coverage, uninsured motorist coverage, and other policies.

    NerdWallet reports these average annual full coverage auto insurance rates by age and gender:

    • Age 16: $6858 males, $6055 females
    • Age 17: $5562 males, $4871 females
    • Age 18: $4859 males, $4206 females
    • Age 19: $3567 males, $3087 females
    • Age 20: $3195 males, $2769 females
    • Age 21: $2609 males, $2298 females
    • Age 22: $2378 males, $2152 females
    • Age 23: $2202 males, $2005 females
    • Age 24: $2068 males, $1896 females
    • Age 25: $1801 males, $1719 females
    • Age 30: $1581 males, $1588 females
    • Age 35: $1556 males, $1573 females
    • Age 40: $1529 males, $1544 females
    • Age 45: $1516 males, $1528 females
    • Age 50: $1445 males, $1451 females
    • Age 55: $1419 males, $1421 females
    • Age 60: $1415 males, $1414 females
    • Age 65: $1463 males, $1452 females
    • Age 70: $1546 males, $1527 females
    • Age 75: $1736 males, $1666 females
    • Age 80: $1957 males, $1831 females

      The Influence of Gender

      NerdWallet researched average rates from the five biggest auto insurance companies in every state and Washington D.C. As indicated by the list above, men have higher average car premiums than women do from about ages 16 to 30. Women pay more from about ages 30 to 60 when costs go up for men again.

      The finance website cites research from the Insurance Institute for Highway Safety (IIHS) to explain this phenomenon. The IIHS found that regardless of age, male drivers have a 63 percent higher likelihood of involvement in a fatal crash than female drivers do. This effect is at its peak from ages 16 to 19, when young men have an auto accident fatality rate of about 300 percent of the rate for young women.

      Other Factors Affecting Auto Insurance Rates

      According to, each insurance company reviews additional factors when calculating your rates. Depending on the insurer, these attributes typically include the make and model of vehicle you drive, the state and city where you live, whether or not you are married, whether you have a history of auto accidents and insurance claims, how many miles you tend to drive a year, and whether you have a good credit score.

      You can save money on auto insurance by maintaining a clean claims history. The Zebra reports that rates increase by about 42 percent on your insurance premium after an at-fault accident. These higher rates stick around for at least three years or longer for some offenses, such as driving under the influence.

      Many insurance companies now offer telematics or usage-based insurance. With this option, you use a smartphone app or device that monitors your driving patterns, acceleration speeds, and braking habits and prices your policy accordingly based on your risk level. Safe drivers can theoretically save money with a telematics plan, regardless of age and gender.

      You can also cut costs on your auto insurance by dropping comprehensive and collision coverage on your vehicle. These policies generally don’t make financial sense if you drive a vehicle worth less than $4,000. If you drive a higher-value car, consider increasing your deductible to lower your premium costs.

      When you seek auto insurance quotes, ask if you qualify for discounts. Some of the most common discount programs include savings for bundling multiple policies, switching to paperless billing, insuring more than one vehicle, maintaining a safe driving record, opting for automatic payments, and paying your entire premium cost upfront.

      Generally, shopping around for auto insurance is the best way to find a more affordable rate. Even if you pay more because of your age and gender, you can often save by switching to a different insurer.

      Check this out if you need additional information, resources, or guidance on car insurance.


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