Average Car Insurance Rates by Age and Gender [Definitive Guide]

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Here's what you need to know...
  • Your age and gender greatly affect the price of your car insurance
  • Insurers follow the crash stats – more crashes equal higher rates
  • Car insurance for teens and young adults is often more expensive
  • Surprise! Men do not always pay more for their car insurance
  • How much rates can change with just one variable will shock you

Sadly, car insurance rates are much more complex than many people realize.

What once was all that mattered – your driving record, annual miles driven, loyalty to your provider, and driving ability – are becoming less important to the biggest and best insurance companies.

How you shop, where you live, your credit score, your gender, how old you are, and how likely you’ll be to file a claim are quickly becoming key price point determining factors.

All you want are some straightforward answers, which is why our team has put together this definitive guide.

Car insurance is complicated, confusing, and even messy at times. Plus shopping around for the best coverage is downright overwhelming.

Sadly, these days the job for YOU, the consumer, is even harder because you have to work to avoid scams and be sure you’re not getting taken advantage of.

Don’t worry! We’re here to help simplify the process and keep you, your loved ones, and your investments fully protected.

Don’t hesitate to start comparing rates immediately by entering your zip code in our FREE tool above!

Table of Contents

Complete Guide for Car Insurance by Age and Gender

Let’s Get Started! Here’s what you need to do:

  • First: compare a few policies from top insurance providers in your area. Don’t ever settle. You deserve better!
  • Second: use our guide to see if those quotes seem fair for your age, gender, and driving record where you live.
  • Third: pay on time, avoid ever having a lapse in coverage, be aware of scams, and know when to file a claim
  • Last, but NOT least: Drive safely! Phone down, eyes on the road, stay alert, and never drive impaired!

#1 – Car Insurance for Teen Drivers

The drivers who are most eager to get behind the wheel are the youngest, newest drivers. Not only do teens often put the highest value to their license, but they also have the worst reputation as drivers.

Insurance companies rate teenagers as high-risk drivers, and usually charge them significantly higher rates than all other age groups.

Is this fair?? Well, let’s look at how dangerous teen drivers really are. The fatal crash stats aren’t bias.

Fatal Car Crashes for Teen DriversStats
Licensed Teen Drivers in the U.S.8,816,182
Number Involved in Fatal Crashes3,400
Fatal Crashes per 100k Teen Drivers38.6
Where over 10% of Fatal Crashes
Involved Teens
Alaska - 11.1%
S. Dakota - 13.8%
Utah - 11.2%
Three States Teen Drivers
are the Deadliest Age Group
S. Dakota - 1st
Utah - 2nd
Alaska - 3rd

A recent study by AAA proves that who teen drivers have in the vehicle with them makes a huge difference:

When teen drivers have only teen passengers in the car with them, the fatality rate for everyone involved in the crash jumps by an alarming 51 percent!

On the other hand, when teen drivers have older adults (35 years-old and up) in the vehicle with them, the fatality rate for all those involved in a crash dropped by eight percent.

Here’s how much the fatality rates increased for those involved in the car crashes when teenage drivers had teen passengers:

  • 56 percent: people in the other vehicles
  • 45 percent: the teen driver
  • 17 percent: pedestrians and bicyclists

Okay, clearly teen drivers have the potential of making our roads much more deadly, so how much more do these young drivers (often their parents) have pay to for car insurance?

Monthly Rates for Teen Drivers by Gender & Age: U.S. AverageMales:Females:
16 year-old$351$328
17 year-old$322$304
18 year-old$260$242
19 year-old $181$189

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

As teenage drivers get older and more experienced behind the wheel, their rates go down.

Interestingly,16 to 18 year-old boys are charged higher rates than girls with the same exact profile and record, but 19 year-old girls are charged a higher rate that totals nearly $100 more a year.

Just to cover the very basic state minimum requirements for car insurance, teen drivers in America have to pay anywhere from $2,174 up to $4,210 each and every year in premiums.

Get This: From age 16 to 19, teens will spend a total of about $13,460 on state minimum car insurance coverage alone!!

It’s very difficult to save money to buy a car or go to college after all those bills.

– How Teens (& Parents) Can Save Money on Their Car Insurance

There are many discounts teens can work towards to help lower their car insurance premiums.

  • Good Driver Discount – Maintaining a clean driving record – free of accidents and moving violations – will allow teenagers to avoid price increases and points, and once the teen has proven to be a good driver, he or she can qualify for a rewarding discount.
  • Driver Training Discount – Many insurers will offer discounts to teens that have completed an approved driver’s education course. In most cases, classroom hours and driving practice are both required and the instructor must be qualified.
  • Good Student Discount – Full-time students in high school and college can usually qualify for this discount if they maintain a “B” average or higher. In most cases homeschooled students can qualify if they score in the top 20 percent on a standardized test.

Insurers view students with good grades as being more responsible and in turn safer drivers who will make wise decisions behind the wheel.

  • Multi-Car Discount – Since teens are not able to own a vehicle (under their name) until they are 18, the young driver will need to be added to their parents’ policy. Parents with at least two vehicles on their policy qualify for the multi-car policy discount.
  • Multi-Driver Discount – (Additional Driver Discount) When teens are on the policy but don’t have a car that’s solely theirs to drive. In other words when there are fewer vehicles on the policy than there are drivers, insurance companies classify these teen drivers as less of a risk.
  • Monitoring Device Discount – (Driving Device Discount) Technology has now made it possible for devices to be attached to vehicles to monitor the driving habits of the motorist. If the device reports back good driving, it will save you money on your policy.

Put some of that fancy new tech your teen is fascinated by to good use. Keep an eye on your child and your car while the device rates his or her driving. More incentive for teens to be honest and safe! It’s a total Win-Win!

  • Student Away Discount – (Distant Student Discount) Some insurers offer a discount on auto insurance that covers drivers that are away from home without a car. There is typically a minimum distance and maximum age to quality.
  • Group Discount – There are hundreds of organizations that teens and/or their parents can be members of that will allow the policy to qualify for a discount. Check to see if any of the groups you are apart of could be saving you money on your car insurance!
  • Vehicle Discounts  – Newer, safer cars are typically cheaper to insure. Vehicles equipped with safety features, anti-theft and recovery systems, lane departure and collision warnings etc., qualify for discounts. In addition fuel alternative vehicles – hybrid and electric – are awarded discounts from many providers.
  • Handing your teenager the keys to the better car in the driveway might just pay off!

  • Low Mileage Discount – Vehicles that are on the road less are less likely to be involved in an accident, which is why many insurance companies will discount a policy for teens who drive under 8,000 miles a year.
  • Deductible Discounts – Car insurance can be very confusing, and deductibles vs premiums are a tough one. Just remember, the higher the deductible, the lower the premium. Usually, you have to make a significant increase on the deductible to lower your teen driver’s premium, so be sure to do a cost-benefit analysis (or have a rep help!).

“It’s true, when you add a teen, it’s not always the best for the pocketbook. If you think about it, every time you put that teen behind the wheel [of any vehicle], you’re trusting that teen with the assets of the family because their liability as a driver falls back on the family.” – Mike Tiffany, Allstate agency owner in Missouri

#2 – Car Insurance for Drivers in Their 20s

Teen drivers tend to have the worst reputation, but young adults can be just as dangerous on the roads. Especially when you look at drivers in their early 20s.

When you mix more driving privileges, college stress, late-night partying, and (often excessive) alcohol consumption you have a deadly combination!

Are young adults given a bad rap or are they truly a dangerous group of drivers? Take a look at the fatal crash facts for this age group to decide for yourself:

Fatal Car Crashes for Drivers Aged 20 to 24Stats
Licensed Drivers this Age in the U.S.17,710,048
Number Involved in Fatal Crashes6,424
Fatal Crashes per 100k Drivers this Age36.3
Where Over 10% of Fatal Crashes
Involved Drivers this Age
46 states
Three States this Age Group
is the Deadliest
Vermont - 1st
Rhode Island - 2nd
Massachusetts - 3rd

In 2016, drivers in their early 20s were involved in 3,024 more fatal crashes than teens.

In only three states were teens involved in over 10 percent of the car crashes resulting in deaths . . . it was 46 states for drivers in their early 20s – all but four states!

It’s clear the fatal crash rate isn’t improving as drivers age from their teen years to their early 20s, let’s see what happens to the car insurance premiums:

Monthly Rates for 21 year-old Drivers: KansasMales:Females:
Allstate$129$111
Progressive$159$137
State Farm$190$153
24 Company Average$154$132

Click here to see what coverage those rates afford in addition to the source and vehicle used to obtain the above quotes.

The deadly crashes caused by drivers aged 20 to 24 are proof that 21 year-olds don’t deserve the major discount they are getting from their previous teen driver premiums.

Our advice: Enjoy it while it lasts! Insurance companies pay close attention to the crash stats for each age group.

And, here’s another state for a slightly older individual – possibly out of college and living on their own now:

Monthly Rates for 23 year-old Drivers: Nevada2016 Hyundai Elantra:2017 Kia Sorento:
Allstate$401$391
Progressive$399$382
State Farm$295$302
24 Company Average$290$297

Click here to see what coverage those rates afford in addition to the source and driver profile used to obtain the above quotes.

Surprise! Some of the largest, most popular car insurance companies in Nevada are charging 23 year-old drivers (driving newer, top safety pick vehicles) more than the national average for teen driver coverage.

Worried you can’t afford those monthly bills? Here are some tips to keep your rates as low as possible:

Don’t forget the still young, but much more wise (hopefully) older 20s!

Are drivers in their late 20s proving to be more responsible with their slightly older age and more years of driving experience?

Fatal Car Crashes for Drivers Aged 25 to 29Stats
Licensed 25-29 yr old Drivers in the U.S.19,722,565
Number Involved in Fatal Crashes5,911
Fatal Crashes per 100k Drivers this Age30.1
Where Over 10% of Fatal Crashes
Involved this Age Group
39 states
Three States this Age Group
is the Deadliest
Rhode Island - 1st
New Mexico - 2nd
S. Dakota - 3rd

YES! Adults in their late 20s have a lower fatal crash rate than both teens and drivers in their early 20s.

Even though there were over two million more motorists aged 25-29, those aged 20-24 were involved in 513 more fatal crashes. Remember, each fatal crash usually has multiple victims.

Less deadly crashes = safer drivers = lower rates! Right? Not always . . .

Ok if you didn’t before, you know now age and gender are big factors determining your rates, but turns out the type of car you drive and where you live make a big difference too. Check this out:

Monthly Rates for 25 year-old Drivers: U.S. AverageMales:Females:
2012 Nissan Altima$104$117
2017 Chevy Camero$182$187
2017 Ford Mustang$208$212

Click here for the driving record and personal profile used to obtain the above quotes.

That gives you a basic idea of how your age and what car you drive will affect your rates, now let’s see how big of a difference location makes.

Does this hit close to home? Here are the five cheapest and five most expensive states for a 25 year-old to purchase car insurance coverage:

Most Expensive States:Males:Females:State Average:
Hawaii$36.08$36.08$36.08
Iowa$35.01$38.82$36.66
Montana$37.30$37.03$37.17
Wyoming$39.47$39.60$39.54
Maine$42.31$40.88$41.51
Least Expensive States:Males:Females:State Average:
Washington$112.04$129$120.52
Rhode Island$124.45$125.66$125.05
Delaware$111.32$142.59$126.95
Florida$140.38$153.02$146.70
Louisiana$166.54$193.14$179.84

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Some states, such as Hawaii, don’t discriminate based on gender, but in Delaware, top providers charge 25 year-old women nearly $400 more a year for the exact same coverage with an identical profile besides gender!

In addition to your age and gender, where you live makes a HUGE difference on how much you are charged for your auto insurance.

Shocking fact: On average, a driver in Louisiana pays $1,725 more a year for car insurance coverage with the same profile and driving record as someone living in Hawaii!

– How Marriage Affects Car Insurance Rates

News Flash! Getting hitched can save you big bucks on your annual car insurance!

“Younger people cause more accidents than older people — unless they’re married”Mike Barry with Insurance Information Institute

In fact, studies have found that marriage is just about as significant in calculating your car insurance rates as your age and gender.

Marriage makes the biggest difference in rates for drivers in their early 20s.

A 20 year-old female is charged 28 percent more for car insurance than a married female with the exact profile and driving record. It’s a 25 percent difference for 20 year-old males.

Here’s the WHY:

“Marriage really does make people more careful and responsible… it isn’t at all surprising that this translates into better driving behavior.” – Eli Lehrer, R Street Institute President

But that’s not the only reason . . .

Insurance companies view married couples as a better business opportunity. How so? Well, married customers are more likely to invest in more coverage than just the minimum requirements, and they are much more likely than their single counterparts to buy home and life insurance. Cha Ching.

– How Drivers in Their 20s Can Save Money on Car Insurance

Haven’t found the love of your life yet? Have no fear! There are plenty of ways single men and women can keep their car insurance costs down.

Drive a safe car safely, maintain a clean driving record, compare providers and policies, always make your payments on time, never have a lapse in coverage, and avoid making unnecessary claims.

Plus, most of the discounts listed above for teens apply to drivers in their early 20s – especially for those who are still full-time students.

#3 – Car Insurance for Drivers in Their 30s

Finally we are out of the “young driver” categories and have arrived to the first of the older age groups where drivers are rewarded with lower car insurance rates.

Let’s see what the crash stats are saying about drivers in their early 30s.

Fatal Car Crashes for Drivers Aged 30 to 34Stats
Licensed Drivers this Age in the U.S.19,471,500
Number Involved in Fatal Crashes4,904
Fatal Crashes per 100k Drivers this Age25.2
Where Over 10% of Fatal Crashes
Involved Drivers this Age
17 States
Three States this Age Group
is the Deadliest
Alaska - 1st
Oklahoma - 2nd
Louisiana - 3rd

That’s some improvement, but nearly 5,000 deadly car crashes caused by drivers aged 30-34 in just one year – in the U.S. alone – is far from spectacular.

How much does a 30-year old have to pay for car insurance? See below:

Monthly Rates for 30 year-old Drivers: MarylandMales:Females:
Allstate$90$82
Progressive$115$89
State Farm$128$106
55 Company Average$133$97

Click here to see what coverage those rates afford in addition to the source, vehicle, and driver profile used to obtain the above quotes.

Whoa! Insurance providers in Maryland charge very different rates for men and women. Unlike in Hawaii, gender is a big factor in determining your rates in this part of the country.

Expect to pay less in Maryland for your car insurance coverage if you’re a female in your early 30s.

Are you being charged unfairly for your car insurance? If you’re a safe driver, you should check out this new auto insurance company that sets their rates by your driving ability:

Okay now let’s jump to drivers in their late 30s. Are they safer on the roads?

Fatal Car Crashes for Drivers Aged 35 to 39Stats
Licensed Drivers this Age in the U.S.18,648,734
Number Involved in Fatal Crashes4,160
Fatal Crashes per 100k Drivers this Age22.3
Where Over 10% of Fatal Crashes
Involved Drivers this Age
Delaware - 10.6%
New Hampshire - 10.4%
Three States this Age Group
is the Deadliest
Delaware - 1st
New Hampshire - 2nd
Kansas - 3rd

The answer is clear: Yes, this is a safer age group of drivers.

Motorists in their late 30s were only involved in over 10 percent of deadly car crashes in two states compared to the 17 states that drivers aged 30-34 wreaked havoc in – costing many lives.

Curious how car insurance rates look for someone in their late 30s? Here’s a male vs female comparison for you:

Monthly Rates for 39 year-old Drivers: UtahMales:Females:
Allstate$127$135
Geico$76$82
Progressive$89$97
17 Company Average$116$120

Click here to see what coverage those rates afford in addition to the source, vehicle, and driver profile used to obtain the above quotes.

Unlike in Maryland, men and women in their late 30s are charged very close to the same amount for their car insurance in Utah. However, as you can see in the above table, the premiums vary greatly from company to company.

Beware! You could end up paying $636 more a year for the same coverage from a more expensive provider if you don’t do your research.

Here’s our free tool to help get you started:

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– How Drivers in Their 30s Can Save Money on Car Insurance

Many of the discounts explained in detail above are just as good – sometimes even better – for drivers in their 30s including discounts for: multi-drivers, group memberships, deductibles, and low mileage.

But that’s far from all of the discounts offered! Check through this chart to see what else you might qualify for:

Vehicle Discounts:Driver/Customer Discounts:Personal Discounts:
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

Did you notice? “Marriage” is listed as a discount in the chart above. Here’s the WHY:

Married individuals are charged less for their car insurance than drivers who are single.

Seem unfair? Feel like you’re being punished for being single?

In case you didn’t see it already, there’s a helpful, eye-opening explanation for why car insurance companies charge married couples less here.

#4 – Car Insurance for Drivers in Their 40s

39 to 40 sounds like a big jump, but it’s really only one year. Here’s the stats for drivers in their early 40s:

Fatal Car Crashes for Drivers Aged 40 to 44Stats
Licensed Drivers this Age in the U.S.17,851,613
Number Involved in Fatal Crashes3,956
Fatal Crashes per 100k Drivers this Age22.2
Where Over 10% of Fatal Crashes
Involved Drivers this Age
N. Dakota - 10.1%
Vermont - 11.7%
Three States this Age Group
is the Deadliest
Vermont - 1st
N. Dakota - 2nd
Oklahoma - 3rd

This age group has a slightly lower fatal crash rate, but in general the statistics look pretty similar to those for drivers in their late 30s.

It might just be one year, but do car insurance providers charge 40 year-old drivers a lower rate than 39 year-olds?

Monthly Rates for 40 year-old Drivers: U.S. AverageMales:Females:
Geico$141$141
Progressive$72$84
Average$107$112

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Just one year difference in age can mean a big dollar difference in the car insurance world.

Three Interesting finds for 39 year-olds (Utah) vs 40 year-olds (U.S. average):

  1. Geico charges 40 year-old drivers $744 more a year
  2. Progressive charges 39 year-olds $180 more a year
  3. On average, 39 year-olds pay $102 more a year

Once again we see that it greatly depends on where you live and which company is providing the insurance.

Looking to change providers? Here’s helpful advice on when and how to do that:

On to drivers in their late 40s. Are they the safest yet?

Fatal Car Crashes for Drivers Aged 45 to 49Stats
Licensed Drivers this Age in the U.S.19,220,823
Number Involved in Fatal Crashes3,841
Fatal Crashes per 100k Drivers this Age20.1
Where Over 10% of Fatal Crashes
Involved Drivers this Age
N. Dakota - 10.9%
Wyoming - 10.6%
Three States this Age Group
is the Deadliest
N. Dakota - 1st
Wyoming - 2nd
Alabama - 3rd

The answer is simple, YES. Of the seven age groups spanning five years discussed so far, 45 to 49 year-olds are the safest group of drivers in America

Even though there were over 1.4 million more drivers aged 45-49 in the U.S. in 2016, people in this age group were involved in 115 less fatal crashes than 40-44 year-olds!

Take note! The above fatal crash statistic is a perfect example of why age is such a huge factor in how car insurance providers determine your rates.

On to the money: What does a driver in their late 40s have to pay for car insurance?

This time we’ll take a look at premiums in “The Mountain State.”

Monthly Rates for 48 year-old Drivers: West VirginiaMales:Females:
Allstate$52$56
Progressive$77$84
State Farm$65$65
42 Company Average$60$60

Click here to see what coverage those rates afford in addition to the source, vehicle, and driver profile used to obtain the above quotes.

Price drop! The premium prices prove that drivers in their late 40s are rewarded with lower rates than any younger age group.

Most people think that as soon as they turn 25, their rates will drop. This might be true with some insurers, but it’s much later in life when rates are consistently falling under $75 a month.

– How Drivers in Their 40s Can Save Money on Car Insurance

It gets even better! None of the rates above had any discounts selected.

Even with the lowest rates yet, drivers aged 40-49 have over 50 discounts at their fingertips.

Scroll down to see if the rates keep falling as age keeps rising.

#5 – Car Insurance for Drivers in Their 50s

Older and wiser? Scientific research (and fatal crash stats) prove otherwise.

Drivers in their early 50s are actually more dangerous than drivers in their late 40s. Take a look:

Fatal Car Crashes for Drivers Aged 50 to 54Stats
Licensed Drivers this Age in the U.S.20,186,494
Number Involved in Fatal Crashes4,105
Fatal Crashes per 100k Drivers this Age20.3
Where Over 10% of Fatal Crashes
Involved Drivers this Age
D.C. - 13.2%
Idaho - 10.3%
Nebraska - 10.6%
Vermont - 13.1%
Three States this Age Group
is the Deadliest
Vermont - 1st
Nebraska - 2nd
Idaho - 3rd

All of the younger age groups (ranging from 35 to 49) were only involved in 10 percent or more of the fatal crashes in two states. We hit 50 to 54 and drivers were involved in over 10 percent in four locations – that’s double!

Are insurers increasing the prices once drivers hit 50 years-old?

Monthly Rates for 50 year-old Drivers: U.S. AverageMales:Females:
Geico$100$114
Progressive$81$89
Average$91$102

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

The most fair comparison we can make with our data on premiums is: 40 vs. 50 year-olds U.S. average rates.

Here are four conclusions:

  1. Geico charges 40 year-old men and women equally, but 50 year-old women pay $168 a year more
  2. Progressive charges 40 and 50 year-old women up to $144 more a year than men
  3. On average, 40 and 50 year-old females are charged $60-$132 more than men their age
  4. Both Geico and Progressive charge 50 year-olds less than 40-year olds – (up to $500 less!)

Moving on to motorists in their late 50s. The insurance rates don’t show the full picture without the crash stats:

Fatal Car Crashes for Drivers Aged 55 to 59Stats
Licensed Drivers this Age in the U.S.20,304,124
Number Involved in Fatal Crashes3,840
Fatal Crashes per 100k Drivers this Age18.9
Where Over 10% of Fatal Crashes
Involved Drivers this Age
Kentucky - 10.4%
Montana - 11.3%
Three States this Age Group
is the Deadliest
Montana - 1st
Kentucky - 2nd
West Virginia - 3rd

Impressive! Of all the five-year age spans we have presented so far, drivers in their late 50s have the lowest fatal crash rate.

To help you understand just how much safer this age group is, here is a simple comparison:

In 2016, even though there were over 11.5 million more drivers aged 55-59, they were only involved in 705 more fatal crashes than teen drivers. Imagine how many more traffic deaths on American roads there would have been with more teenagers behind the wheel. Scary!

So drivers in this age group must enjoy cheap car insurance rate, right?

Monthly Rates for 55 year-old Drivers: U.S. AverageMales:Females:
Geico$96$110
Progressive$79$89
Average$88$100

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

The rates for a 55 year-old are slightly lower than those for a 50 year-old in general.

Puzzling . . . the only U.S. average that didn’t change when the age was increased from 50 to 55 was for females under Progressive – regardless of age it stayed put at $89 a month.

The price did go down for men as they aged from their early to late 50s. On average a 55 year-old male is charged $120 a year less for coverage with Progressive than women with identical driving records.

– How Drivers in Their 50s Can Save Money on Car Insurance

The good news? Since every driver’s situation is different, no discounts were added when the quotes were collected for this guide.

Since there are over 50 offered from almost every provider, there is a great chance there’s at least one helpful car insurance discount out there for you!

In fact, the late 50s is the first age group where drivers are old enough to be truly rewarded for their age and many years of driving experience.

According to Esurance: “many car insurance companies offer discounts for drivers between the ages of 55 to 70 since their wealth of experience usually makes them very safe drivers.”

There are also defensive driving courses offered to motorists over 55 years-old that create instant car insurance savings – many states require insurers to discount premiums once these classes are completed.

Associated Press shines a light on how valuable these classes truly are:

Here are links to three of the most popular defensive driving courses that are currently offered nationwide:

#6 – Car Insurance for Drivers in Their 60s

Sixties seem to be the sweet spot for old enough to be wise, mature, and experienced, but not old enough to be considered dangerous. Here’s what the national crash stats show:

Fatal Car Crashes for Drivers Aged 60 to 64Stats
Licensed Drivers this Age in the U.S.18,075,699
Number Involved in Fatal Crashes3,126
Fatal Crashes per 100k Drivers this Age17.3
Where Over 10% of Fatal Crashes
Involved Drivers this Age
NOWHERE
Three States this Age Group
is the Deadliest
Montana - 1st
Arkansas - 2nd
Minnesota - 3rd

Now that’s an accomplishment! Finally we see major improvements across the board in driver safety compared to the younger age groups.

Drivers aged 60 to 64 were never involved in more than 9.9 percent of fatal crashes in any part of the country. All of the younger age groups were involved in much more than that.

People aren’t technically “Senior Drivers” until they reach the age of 65, but we’re learning that the term “senior” is used loosely in the United States. Check out these perks for senior citizens that start early:

  • Humane Society senior discount for pet adoptions – starts at age 50
  • Denny’s senior discount menu – starts at age 55
  • Good Will and Salvation Army senior discount – starts at age 55
  • Vet senior discount for pet owners – starts at age 55
  • Movie theater senior discount – starts at age 60
  • Restaurant chain senior discount – starts at age 60

Clearly many businesses provide senior discounts, but do car insurance providers discount rates once drivers reach 60 years of age?

Monthly Rates for 60 year-old Drivers: U.S. AverageMales:Females:
Geico$98$115
Progressive$80$89
Average$89$102

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Apparently, car insurance companies didn’t get the memo about early senior discounts.

Gender discrimination? Progressive charges females aged 50 to 65 the same monthly rate ($89) while men are rewarded with $24 a year in savings for their older age.

Alright let’s jump to the older 60s:

Fatal Car Crashes for Drivers Aged 65 to 69Stats
Licensed Drivers this Age in the U.S.15,417,301
Number Involved in Fatal Crashes2,465
Fatal Crashes per 100k Drivers this Age15.9
Where Over 10% of Fatal Crashes
Involved Drivers this Age
South Dakota - 10.9%
Three States this Age Group
is the Deadliest
South Dakota - 1st
Hawaii - 2nd
Vermont - 3rd

The lowest fatal crash rate yet! Just to refresh your memory, for teens the fatal crash rate was 38.6!!

Another perfect example of why car insurance companies charge some age groups more than others:

Although there were over 6.6 million more drivers in the U.S. aged 65 to 69 in 2016, teens were involved in nearly 1,000 more fatal car crashes!

Okay, clearly drivers this age are safer. Do their rates reward them for it?

Monthly Rates for 65 year-old Drivers: U.S. AverageMales:Females:
Geico$98$109
Progressive$91$95
Average$95$102

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Even though this age group has the lowest fatal crash rate, 65 year-old drivers are charged about $144 more a year than 55 year-old drivers.

Additionally, females with the same driving record are still being charged more in this older bracket.

Looking at the U.S. average, women aged 50 through 65 are charged a consistent $1,200 to $1,224 a year. The rates for men on the other hand, don’t exceed $1,140 a year for the same coverage.

That price difference is a big deal especially when you are saving up for retirement.

In case you missed it! The above rates are based on a driving record with no accidents or moving violations in the last two years.

Citations and claims will increase your rates! Although this company is based out of Europe, the advice is helpful to those insured in the U.S. as well:

Key takeaway: Never lie to your insurance provider!

– Specific State Laws for Drivers in their 60s

Most people don’t consider drivers in their 60s as at an age where their mental or physical health can affect their driving.

Many states do, however, have specific laws in place for drivers once they reach this age:

StateStricter Laws: Driver Age
AlaskaStarting at age 69, drivers can't renew their license by mail
ArizonaStarting at age 65, drivers must renew their license every 5 years (with a vision test each time)
ColoradoStarting at age 61, drivers must renew their license every 5 years (instead of every 10)
GeorgiaStarting at age 59, drivers must renew their license every 5 years (instead of every 8)
Starting at age 64, they must pass an eye exam each time
IdahoStarting at age 64, drivers must renew their license every 4 years (instead of every 8)
Starting at age 69, they must renew in person and pass an eye exam each time
KansasStarting at age 65, drivers must renew their license every 4 years (instead of every 6)
They also must pass a vision test at each renewal
MaineStarting at age 65, drivers must renew their license every 4 years (instead of every 6)
After age 62, an eye exam is required at every renewal
New MexicoStarting at age 67, drivers must renew their license every 4 years (instead of every 8)
An eye exam is required at each renewal regardless of age
North CarolinaStarting at age 66, drivers must renew their license every 5 years (instead of every 8)
OregonStarting at age 50, drivers must pass a vision test with every renewal
Regardless of age, licenses must be renewed every 8 years
South CarolinaStarting at age 65, drivers must renew their license every 5 years (instead of every 10)
Starting at age 65, a vision test is required at each renewal
UtahStarting at age 65, drivers must get an eye exam at each renewal
Licenses are renewed every 5 years regardless of age
WashingtonStarting at age 65, drivers must renew in person
Licenses are renewed every 5 years regardless of age

Maybe these state laws are helping to keep the fatal crash rates low for drivers aged 60 and up.

– How Drivers in Their 60s Can Save Money on Car Insurance

Saving money is important to drivers of any age, but finally getting a “senior discount” is one of the few perks of aging.

According to the Indianapolis Senior Citizen’s Guide, “The 64-year-olds who embraced the term [senior citizen] did so primarily for economic reasons, because they are now eligible for senior discounts.”

But, as we saw above, car insurance premiums actually increase for drivers as they age from 55 to 65. So, how can drivers in this age group save on their car insurance?

Click here for a helpful article explaining the various discounts providers offer drivers in their 60s, and click here for specific senior discounts Allstate has.

Advice from Esurance: “If you’ve begun to limit your driving, make sure your insurance company knows — you may be able to get a car insurance discount for driving limited miles.”

#7 – Car Insurance for Drivers in Their 70s

Like teens, drivers in their 70s often have a bad reputation even though many drivers in this age group are exceptionally safe on the roads.

“Older adults don’t get enough credit for their safe driving habits. Older drivers are more likely to use seat belts and follow speed limits. They are less likely to drive at night or while intoxicated, or to text while they drive.”
Emmy Betz, M.D. who studies senior-driving safety in Colorado

Let’s see if the crash stats agree with Betz:

Fatal Car Crashes for Drivers Aged 70 to 74Stats
Licensed Drivers this Age in the U.S.10,653,414
Number Involved in Fatal Crashes1,657
Fatal Crashes per 100k Drivers this Age15.6
Where Over 10% of Fatal Crashes
Involved Drivers this Age
NOWHERE
Three States this Age Group
is the Deadliest
Kansas - 1st
Montana - 2nd
Idaho - 3rd

That’s impressive! Drivers in their early 70s have an even lower fatal crash rate then drivers in their late 60s! So, is it drivers in their late 70s that are dangerous then? Let’s take a look:

Fatal Car Crashes for Drivers Aged 75 to 79Stats
Licensed Drivers this Age in the U.S.7,150,588
Number Involved in Fatal Crashes1,166
Fatal Crashes per 100k Drivers this Age16.3
Where Over 10% of Fatal Crashes
Involved Drivers this Age
NOWHERE
Three States this Age Group
is the Deadliest
North Dakota - 1st
Vermont - 2nd
Kansas - 3rd

Myth BUSTED! Drivers who are often considered “old” are actually NOT dangerous!

Drivers aged 65 to 79 have the lowest fatal car crash rate of all of the younger age groups.

That’s not all! In 2016, drivers in their 70s were never involved in more than 5.25 percent of all the fatal crashes in any area of the country. To put that in perspective, drivers in their early 20s were involved in over 15 percent of all fatal crashes in nine states!

This doesn’t change the fact that older drivers pay higher rates. Esurance even clarifies when this rate increase usually starts:

“Generally, it isn’t until around 70 that senior drivers may begin to see increased rates.”

Here are the average car insurance rates for a 70 year-old who is still employed, not yet retired:

Monthly Rates for 70 year-old Drivers: U.S. AverageMales:Females:
Geico$97$108
Progressive$91$95
Average$94$102

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Women say what? The U.S. average annual car insurance bill for women aged 50 to 70 holds steady at $1,200 to $1,224, while men with the same age and driving records (for identical coverage) are only charged $1,056 to $1,140 a year.

Another myth busted. The more ages we compare rates for men and women, the more we find examples proving that women often pay more for their car insurance than men. 

And, here are the rates for a 75 year-old driver who is retired:

Monthly Rates for 75 year-old Drivers: U.S. AverageMales:Females:
Geico$134$130
Progressive$110$116
Average$122$123

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

WOW! That is a substantial price jump from 70 to 75!

Drivers who are 75 years-old pay nearly $450 more a year than drivers who are only five years younger!

This eHow video helps explain the rate increase:

Now that we are in the age where most Americans are able to retire, let’s see how rates compare for older drivers who work full time compared to those who are retired.

– Employed vs Retired Car Insurance Rates

Are you trying to figure out your budget and what your monthly bills will look like once you retire?

Great news! Retirement could mean helpful savings on your car insurance premiums.

Our analysts ran a working versus retired rate comparison for the three ages that are most likely to be entering the retirement phase of their life – 60, 65, and 70.

The rate difference might surprise you:

Monthly Rates Employed vs Retired Drivers: U.S. AverageMales:Females:
Employed 60 year-old$89$102
Retired 60 year-old$88$101
Employed 65 year-old$95$102
Retired 65 year-old$94$101
Employed 70 year-old$94$102
Retired 70 year-old$94$101

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes. The rates are rounded to the nearest dollar.

The results are in! You’ll save a whopping $12 a year on your car insurance once you retire – under $6 a year if you’re a 70 year-old male!

Certainly nothing worth celebrating, which is why you need to be sure you apply for all the discounts you can!

– Specific State Laws for Drivers in their 70s

We saw how state laws tighten for drivers starting as early as 50 years-old.

Here are the laws in place for drivers in their 70s:

StateStricter Laws: Driver Age
ArizonaStarting at age 70, license renewals must be done in person
CaliforniaStarting at age 70, license renewals must be done in person
A written test and eye exam is required at each renewal
District of
Columbia
Starting at age 70, license renewals must be in person
A doctor’s certification that they’re medically fit to drive is required at each rewnal
HawaiiStarting at age 72, license renewals must be every 2 years (instead of every 8)
IllinoisStarting at age 75, drivers must take a road test and eye exam to renew their license
IndianaStarting at age 75, license renewals must be every 3 years (instead of every 6)
IowaStarting at age 70, license renewals must be every 2 years (instead of every 5)
The renewals must be in person and include a vision test
LouisianaStarting at age 70, license renewals must be in person
MassachusettsStarting at age 75, license renewals must be in person
A passed eye exam or proof of recent vision screening is required at each renewal
MissouriStarting at age 70, license renewals must be every 3 years (instead of every 6)
MontanaStarting at age 75, license renewals must be every 4 years (instead of every 8)
NebraskaStarting at age 72, license renewals must be in person
NevadaStarting at age 71, renewals must be in person unless they provide a doctor’s note saying they’re physically fit to drive and can include a passed vision screening report
New MexicoStarting at age 75, license renewals must be every year
A passed vision test is required at each renewal
North DakotaStarting at age 78, license renewals must be every 4 years (instead of every 6)
Rhode IslandStarting at age 75, license renewals must be every 2 years (instead of every 5)
Regardless of age, renewals can be online every other time
TexasStarting at age 79, license renewals must be done in person
A vision test is required at each renewal

Exceptions: in Illinois, the DMV sometimes only grants one-year licenses to drivers with Alzheimer’s, Parkinson’s disease, or other progressive health conditions.

Did you know? State DMVs have the authority to issue licenses with restrictions that only allow elderly motorists to drive during the day or within a certain distance from home.

In fact, in Nebraska, DMV examiners are trained to look for signs that a driver’s physical or cognitive skills are impaired, and they can require an additional driver’s test if they feel necessary. Plus, law enforcement and family members have the ability to report a driver as unsafe. When such a report is filed, the motorist is required to see a physician and eye doctor and then also perform a driving test.

Seem strict? Laws have actually loosened! Here’s two examples:

In 1990 in Illinois, testing at license renewals requirement was increased from age 69 to 75. In 1997 in Hawaii, the more frequent renewal requirement increased from age 65 to 72.

And remember, these laws are only in place to make sure licensed motorists have the physical capabilities required to drive safely.

– How Drivers in Their 70s Can Save Money on Car Insurance

Below are discounts that are available for older drivers with a link to an example of a provider that offers it.

These are not the only companies that offer these discounts; fortunately these are very common among providers:

Esurance VP, John Erickson explains why older drivers deserve lower rates:

Senior drivers have a wealth of driving experience, which actually gives them an advantage. Even if they’re unable to respond as quickly to changing circumstances on the road, they’re likely to have much more experience driving in a variety of dangerous conditions and adjusting appropriately to them.”

Get the discounts you deserve. You have put in the years of driving practice! You deserve the savings.

Hang on, we have another age group to cover: 80 and up! The safe drivers who belong in our last age group can’t be forgotten. They are remarkable!

#8 – Car Insurance for Drivers in Their 80s (and beyond!)

Too old to drive? The over 3.8 million Americans 85 years-old and older still licensed to drive think not.

“If you ask seniors anywhere, ‘When do you think you won’t be able to drive?’ they will uniformly say about 10 years from whenever you ask. It doesn’t matter what age they are when you ask. They can be 80!” – Sandi Rosenbloom, University of Texas professor

You think 80 sounds old, how about 95?!

Eldon Bartlett is a 95 year-old featured in a ’17 Consumer Reports article who drives a 22-foot motor home from Portland, Oregon to Phoenix, Arizona each year.

“Eventually, though, physical or cognitive limitations (or both) make driving safely difficult or impossible for most older people….driving is a complex task that requires, among other things, healthy cognition and good flexibility. (Think about craning your neck to check your blind spot.) A long list of medical conditions common to seniors may impair both” the CR article explains.

Did you know? 14 percent of Americans who are 71 years-old and older have dementia, and over 30 percent of Americans who are 85 and older suffer from Alzheimer’s Disease.

Imagine the terrifying scenario: an elderly motorist cruising at 65 miles-per-hour when he gets overcome with confusion not knowing where he is or why he’s driving and completely loses the ability to control the vehicle.

Although driving without the mental or physical capacity is not a laughing matter, this video gives an amusing visual to what can happen . . . don’t let you or someone you love become a real life Muriel:

Here are the fatal crash stats:

Fatal Car Crashes for Drivers Aged 80 to 84Stats
Licensed Drivers this Age in the U.S.4,605,520
Number Involved in Fatal Crashes923
Fatal Crashes per 100k Drivers this Age20
Where Over 10% of Fatal Crashes
Involved Drivers this Age
NOWHERE
Three States this Age Group
is the Deadliest
Idaho - 1st
Wisconsin - 2nd
Minnesota - 3rd

You think our data ends there? NOPE! We have one final age group:

Fatal Car Crashes for Drivers Aged 85 and upStats
Licensed Drivers this Age in the U.S.3,877,313
Number Involved in Fatal Crashes882
Fatal Crashes per 100k Drivers this Age22.8
Where Over 10% of Fatal Crashes
Involved Drivers this Age
NOWHERE
Three States this Age Group
is the Deadliest
Rhode Island - 1st
Massachusetts - 2nd
Nebraska - 3rd

Unavoidable truth: Drivers in their 80s are more likely to be involved in a fatal crash than drivers aged 55 to 79.

Does this mean they need to hand over their car keys? Just keep in mind:

“Studies show that giving up driving increases a person’s mortality risk and makes seniors more likely to land in nursing homes and suffer from depression. Yet the average American man outlives his ability to drive by six years; the average American woman, by 10 years.” Consumer Reports

Please realize! You need to be mindful of the warning signs. In most states, doctors aren’t required to report health concerns that make the elderly unable to drive.

There were nearly 11,000 senior licenses revoked for medical incapacity or failed vision tests in 2016 in Florida, where such physician reports are not required.

News Flash: There are only six states where doctors are required to report dangerous patients to state DMVs. 

The answer? Self-driving cars! Hopefully fully autonomous vehicles are here before all of you reading this article get to the point in your life when you have to hang up your car keys for good.

Drivers in their 80s do often face medical challenges, but keep in mind they have a lower fatal crash rate than drivers aged 16 to 34! Let’s see if their car insurance rates reflect that.

Here are the average car insurance rates for retired 80 year-old men and women:

Monthly Rates for 80 year-old Drivers: U.S. AverageMales:Females:
Geico$134$130
Progressive$110$116
Average$122$123

Click here for the driving record, vehicle, and personal profile used to obtain the above quotes.

Did you notice? The rates for 75 and 80 year-olds are identical!

Expect a hefty price increase from 70 to 75, but once you hit 75, the prices plateau.

Worth noting: not only is there a drastic rate increase from 70 to 75 and up, but the rates for men and women became more even as the age increases.

Great news! Gender bias finally ends once drivers reach the age of 75!

Women are still charged up to $75 more a year (same profile!) but on average it’s only about a $12 annual difference. Much more even.

– Specific State Laws for Drivers in their 80s

Surprisingly most of the stricter laws start before drivers reach their 80s, but states have been loosening their laws as they realize drivers aged 55 to 75 are actually among the safest on the roads.

Here are the laws that don’t take effect until drivers are 80 or older:

StateStricter Laws: Driver Age
FloridaStarted at age 80, licenses must be renewed every 6 years (instead of every 8)
They must pass an eye exam with every renewal
IllinoisStarting at age 81, license renewals must be every 2 years (instead of every 4)
Started at age 87, renewals must be annually
IndianaStarting at age 85, license renewals must be every 2 years (instead of every 6)
VirginiaRegardless of age, licenses are renewed every 8 years
Starting at age 80, renew must be in person with a passed eye test or proof of vision exam

The list of laws is quite a bit longer for drivers in their 60s and 70s.

– How Drivers in Their 80s Can Save Money on Car Insurance

According to Esurance, even though the rates do increase as drivers get into the oldest age brackets, there are plenty of ways for senior drivers to save money on their car insurance:

“By taking advantage of their driving experience, shopping for the right car, getting senior driving education, and limiting their time behind the wheel, older drivers can find ways to save on car insurance.”

In addition to buying a safe vehicle, taking a driving course, and only driving when necessary, there are many discounts available to senior drivers.

And regardless of age, drivers can sign up for one of the many driving monitoring devices, which have been steadily growing in popularity. This Florida couple saved $1,200 a year once they hooked up the “tiny spy” in their two vehicles:

Plus there are many more ways men and women in their 80s can save money on their car insurance.

#9 – Car Insurance Rates for All Ages: Male vs Female

Phewwwwww! That was a lot of information we just covered . . .

We gave you fatal car crash facts and monthly premiums for drivers by gender and age in four to five year increments – over 30 tables of detailed data to help you be an informed insurance consumer.

In a nutshell: Here are all the U.S. average monthly car insurance rates we covered above in one table for quick review and comparison:

Monthly Rates for all Ages by Gender: U.S. AverageMales:Females:
16 year-old$351$328
17 year-old$322$304
18 year-old$260$242
19 year-old$181$189
25 year-old$73$79
40 year-old$107$112
50 year-old$91$102
55 year-old$88$100
60 year-old$89$102
65 year-old$95$102
70 year-old$94$102
75 year-old$122$123
80 year-old$122$123

Here’s a visual of what will happen to your car insurance rates as you age from 16 to 80:

Auto insurance rates gradually decrease from their highest peak at age 16 down to age 20 with rates for boys being higher until age 19. After a nice drop at 25, we see a slight increase up to age 40.

The monthly premiums remain surprisingly steady for ages 40 to 70 with the higher rates being awarded to women during that 30 year time frame.

Finally, both genders see a rate increase beginning at age 70.

Please note: Effective January 1st, 2019 three states require insurance providers to offer non-binary gender options for all policies: California, Washington D.C., and Oregon.

Now that you know where and how to save money on your car insurance no matter your age, start comparing today! Enter your zip code below to get started for FREE.

Rates by Age and Gender Explained

Below you’ll find the details used to obtain the quotes listed in the above tables when such information is available. If the specific coverage isn’t provided, the rates are for the state’s minimum required car insurance coverage.

– Teen Driver Quotes

Our team of researchers collected monthly rates for the national average cost of state minimum car insurance coverage using the following details:

Profile: full-time student, no tickets, accidents, or lapse in coverage.
Vehicle: 2012 Honda Accord LX 4dr sedan bought used, 12-15k annual miles driven.

– 21-Year-Old Driver Quotes

The Kansas Insurance Commissioner provided the rates for 21-year-old drivers in their Auto Insurance Shopper’s Guide for their most common benefit plan, updated November 2017.

The rates for 21-year-old drivers above affords the motorist the following coverage:

  • Comprehensive: $1,000 deductible
  • Collision: $1,000 deductible
  • Bodily Injury: $100,000/person; $300,000/accident
  • Property Damage: $100,000/accident

Vehicle: 2013 Toyota Camry, four-door sedan.

– 23-Year-Old Driver Quotes

The rates for 23-year-old drivers were collected from the 2017-2018 Nevada Consumer’s Guide to Auto Insurance provided by Nevada’s Insurance Division.

The coverage listed gets the motorist:

  • Comprehensive:  $250 deductible
  • Collision:  $500 deductible
  • Bodily Injury: $100,000/person; $300,000/accident
  • Property Damage: $50,000/accident

Profile: single female, one “at fault” accident in the last 12 months (under $1,000 damage), a full-time college student with “B” average, annual mileage 12,000.

– 25-Year-Old Driver Quotes

Our team of researchers collected monthly rates for the national average cost of state minimum car insurance coverage for each gender based on which car they drove using the following details:

Profile: single, homeowner, college degree, employed, one ticket in last two years, no accidents, insured and licensed 3+ yrs, no lapse, state minimum coverage, 12-15k annual miles driven
Vehicle: (chart of 10 states) 2012 Nissan Altima, 4 door sedan, bought new

– 30-Year-Old Driver Quotes

The rates for 30-year-old drivers were found in the 2018 Auto Guide created by the Maryland Insurance Administration to help residents compare the car insurance companies offering coverage in Maryland.

The coverage listed gets the motorist:

  • Comprehensive:  $250 deductible
  • Collision:  $500 deductible
  • Bodily Injury: $100,000/person; $300,000/accident
  • Property Damage: $50,000/accident

Profile: homeowner, no accidents or violations in the last three years, drives 20-25 miles each way for work
Vehicle: 2006 Subaru Forester

– 39-Year-Old Driver Quotes

The rates for 39-year-old drivers were provided by the Utah Insurance Department’s 2017 Annual Insurance Report for the top car insurance providers across the state of Utah.

The coverage listed gets the motorist:

  • Comprehensive:  $500 deductible
  • Collision:  $500 deductible
  • Bodily Injury: $50,000/person; $100,000/accident
  • Property Damage: $50,000/accident

Profile: single, clean driving record, mid-range credit, drives between 3-15 miles (one way) for work
Vehicle: 2016 Toyota Camry XSE

– 40-Year-Old Driver Quotes

Our team of researchers collected monthly rates for the national average cost of state minimum car insurance coverage for males and females with the following details:

Profile: single, homeowner, college degree, employed, no tickets or accidents in the last 2 years, insured and licensed 3+ yrs, no lapse, state minimum coverage, 12-15k annual miles driven
Vehicle: 2017 Nissan Rogue, 4 cylinders, bought new

– 48-Year-Old Driver Quotes

The rates for 48-year-old drivers were provided by the West Virginia Insurance Commissioner’s 2017 Automobile Survey for the top car insurance providers across the state of West Virginia.

The coverage listed gets the motorist:

  • Comprehensive:  $500 deductible
  • Collision:  $500 deductible
  • Bodily Injury: $100,000/person; $300,000/accident
  • Property Damage: $50,000/accident

Profile: married, clean driving record, is the principal operator of the vehicle, commutes ten miles one-way to work, and averages 20,000 miles a year
Vehicle: 2012 Toyota Camry, 4 cylinder

– 50 to 80-Year-Old Driver Quotes

Our team of researchers collected monthly rates for the national average cost of state minimum car insurance coverage for men and women with the following details:

Profile: single, homeowner, college degree, employed, no tickets or accidents in last 2 years, insured and licensed 3+ yrs, no lapse, state minimum coverage, 12-15k annual miles driven (7.5-9k annual miles if retired)
Vehicle: 2017 Toyota Camry, 4 doors 4 cylinders, bought new

– Quotes for ages 50 to 70 were collected for employed men and women
– Quotes for ages 75 and 80 were collected for retired men and women

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  35. https://www.alz.org/alzheimers-dementia/what-is-alzheimers
  36. https://www.nia.nih.gov/health/alzheimers-disease-fact-sheet#symptoms
  37. https://www.americanbar.org/groups/law_aging/publications/bifocal/vol_37/issue_3_april2016/evaluating-capacity-to-drive/
  38. https://dailycaring.com/7-warning-signs-how-to-know-when-your-parents-should-stop-driving/
  39. https://www.ksinsurance.org//autohome/auto/autoins.php
  40. http://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/News-Notes/Auto_Guide.pdf
  41. http://www.mdinsurance.state.md.us/Consumer/Pages/AutomobileInsurance.aspx
  42. https://insurance.utah.gov/consumer/other/reports
  43. https://www.wvinsurance.gov/Portals/0/pdf/reports/2017-Auto-Survey.pdf?ver=2018-06-06-134709-847

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