Auto Insurance Cost by Age
Age is one of the main factors insurers use to set car insurance rates. This page explains typical cost differences by age group and links to state-level scenario pages where you can see estimated annual ranges for your age bracket.
Quick Answer
Car insurance cost varies by age because insurers use age as a risk factor. Younger drivers (18-25) and very senior drivers often pay more on average; middle-age drivers (35-54) typically pay less. Rates also depend on state, coverage, and driving history.
Estimates by Age Group
Select a state to see estimated cost for that age bracket (typical driver, full coverage).
Average insurance cost age 18 to 25
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Average insurance cost age 20 to 24
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Average insurance cost age 25 to 34
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Average insurance cost age 35 to 54
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Average insurance cost age 65+
Why Age Affects Premiums
Insurers use age because claims data show different risk levels by age. Young drivers have less experience; seniors may have different driving patterns. Coverage level and state also affect your premium.
Related
Auto Insurance by State · Coverage Comparisons · How we calculate · Sources
Frequently asked questions
Are these quotes?
No. These are educational estimates from state-level data. Get quotes from insurers for your situation.
Why does age affect premiums?
Insurers use age because claims data show different risk levels by age. Young drivers have less experience; seniors may have different driving patterns. Coverage level and state also affect your premium.
How do I use this page?
Use the state links in each section to open a scenario page (e.g. that age, clean record, full coverage) for that state. Then get quotes from multiple insurers.