Alabama

Alabama rates average $316 per month at age 16, below the national average for that age group. One notable pattern: rates spike 27% at age 17 before declining consistently, likely because newly independent young drivers moving off a parent’s policy push up that year’s average. By 65, the average drops to $128 per month. Drivers in Huntsville and Montgomery typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$176	$316	$3,792	–
17	$224	$402	$4,819	27%
18	$173	$335	$4,021	-17%
19	$162	$315	$3,784	-6%
20	$146	$298	$3,571	-6%
21	$142	$265	$3,186	-11%
22	$117	$241	$2,893	-9%
23	$115	$220	$2,639	-9%
24	$108	$212	$2,546	-4%
25	$104	$200	$2,404	-6%
26	$98	$194	$2,330	-3%
27	$90	$177	$2,127	-9%
28	$93	$178	$2,137	0%
29	$89	$177	$2,119	-1%
30	$90	$180	$2,160	2%
31	$85	$168	$2,011	-7%
32	$85	$169	$2,025	1%
33	$83	$170	$2,040	1%
34	$79	$169	$2,031	-0%
35	$77	$160	$1,919	-6%
36	$81	$160	$1,920	0%
37	$79	$162	$1,948	1%
38	$74	$153	$1,831	-6%
39	$79	$157	$1,884	3%
40	$73	$142	$1,706	-9%
41	$79	$169	$2,032	19%
42	$75	$153	$1,830	-10%
43	$76	$147	$1,768	-3%
44	$73	$158	$1,898	7%
45	$71	$143	$1,720	-9%
46	$66	$139	$1,663	-3%
47	$73	$154	$1,849	11%
48	$70	$143	$1,713	-7%
49	$72	$147	$1,762	3%
50	$66	$139	$1,671	-5%
51	$72	$145	$1,736	4%
52	$64	$131	$1,572	-9%
53	$67	$140	$1,677	7%
54	$68	$139	$1,671	-0%
55	$66	$133	$1,599	-4%
56	$66	$129	$1,552	-3%
57	$61	$118	$1,415	-9%
58	$71	$136	$1,636	16%
59	$66	$129	$1,553	-5%
60	$71	$134	$1,604	3%
61	$65	$133	$1,598	-0%
62	$64	$123	$1,473	-8%
63	$67	$136	$1,634	11%
64	$58	$113	$1,350	-17%
65	$66	$128	$1,536	14%
66	$62	$119	$1,432	-7%
67	$66	$136	$1,638	14%
68	$70	$130	$1,556	-5%
69	$70	$128	$1,541	-1%
70	$73	$135	$1,624	5%
71	$66	$125	$1,497	-8%
72	$72	$137	$1,643	10%
73	$72	$137	$1,645	0%
74	$76	$150	$1,796	9%
75	$71	$151	$1,811	1%

Last Updated April 3, 2026

Key takeaway: Alabama teen rates average $316 27%/mo at 16 before spikingat 17. After that, rates fall consistently to $128/mo by 65 and $151/mo by 75.

Arizona

Arizona 16-year-olds average $503 per month, close to the national average for that age. The biggest single-year drop in the state comes at 21, when rates fall 18% to $334 per month. By 75, the average reaches $155 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$291	$503	$6,034	–
17	$285	$498	$5,976	-1%
18	$285	$514	$6,165	3%
19	$250	$459	$5,512	-11%
20	$223	$409	$4,909	-11%
21	$191	$334	$4,004	-18%
22	$170	$306	$3,673	-8%
23	$160	$282	$3,385	-8%
24	$157	$272	$3,266	-3%
25	$143	$252	$3,027	-7%
26	$140	$244	$2,927	-3%
27	$141	$240	$2,875	-2%
28	$133	$234	$2,813	-2%
29	$123	$220	$2,643	-6%
30	$124	$216	$2,591	-2%
31	$119	$211	$2,527	-2%
32	$123	$213	$2,555	1%
33	$116	$204	$2,448	-4%
34	$117	$203	$2,439	-0%
35	$115	$202	$2,423	-1%
36	$114	$200	$2,404	-1%
37	$114	$194	$2,333	-3%
38	$112	$193	$2,316	-1%
39	$113	$198	$2,370	2%
40	$110	$184	$2,206	-7%
41	$106	$189	$2,268	3%
42	$106	$185	$2,218	-2%
43	$108	$191	$2,296	3%
44	$108	$190	$2,279	-1%
45	$104	$185	$2,216	-3%
46	$102	$184	$2,210	-0%
47	$103	$185	$2,225	1%
48	$103	$178	$2,141	-4%
49	$107	$191	$2,292	7%
50	$100	$174	$2,088	-9%
51	$98	$167	$2,003	-4%
52	$99	$174	$2,090	4%
53	$97	$172	$2,068	-1%
54	$98	$169	$2,031	-2%
55	$99	$165	$1,976	-3%
56	$95	$163	$1,951	-1%
57	$101	$171	$2,047	5%
58	$97	$164	$1,970	-4%
59	$88	$155	$1,858	-6%
60	$93	$166	$1,988	7%
61	$94	$157	$1,880	-5%
62	$91	$161	$1,929	3%
63	$96	$166	$1,991	3%
64	$86	$148	$1,781	-11%
65	$90	$155	$1,854	4%
66	$91	$157	$1,888	2%
67	$89	$152	$1,830	-3%
68	$85	$143	$1,720	-6%
69	$95	$169	$2,031	18%
70	$90	$158	$1,899	-6%
71	$92	$158	$1,894	-0%
72	$87	$154	$1,844	-3%
73	$86	$151	$1,817	-1%
74	$94	$171	$2,054	13%
75	$87	$155	$1,859	-10%

Last Updated April 3, 2026

Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 ( 18%). Rates reach $155/mo by 75, a consistent long-term decline from $514/mo at 18 years old.

Arkansas

Arkansas has an unusual pattern at the teen level: Rates actually fall 19% from age 16 to 17, dropping from $531 and $433 per month, before following the typical downward trend. By 75, the average reaches $143 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$287	$531	$6,371	–
17	$251	$433	$5,190	-19%
18	$190	$377	$4,527	-13%
19	$164	$328	$3,941	-13%
20	$143	$297	$3,559	-10%
21	$122	$260	$3,120	-12%
22	$116	$241	$2,890	-7%
23	$110	$234	$2,804	-3%
24	$99	$201	$2,416	-14%
25	$101	$205	$2,456	2%
26	$95	$195	$2,339	-5%
27	$90	$189	$2,263	-3%
28	$93	$185	$2,220	-2%
29	$89	$185	$2,217	-0%
30	$84	$178	$2,140	-3%
31	$83	$174	$2,086	-3%
32	$85	$179	$2,143	3%
33	$78	$164	$1,972	-8%
34	$75	$155	$1,858	-6%
35	$77	$156	$1,875	1%
36	$78	$162	$1,944	4%
37	$76	$159	$1,905	-2%
38	$76	$157	$1,889	-1%
39	$76	$160	$1,918	2%
40	$74	$153	$1,841	-4%
41	$77	$160	$1,916	4%
42	$72	$148	$1,772	-8%
43	$74	$154	$1,846	4%
44	$75	$153	$1,832	-1%
45	$69	$144	$1,729	-6%
46	$70	$147	$1,761	2%
47	$74	$152	$1,820	3%
48	$76	$162	$1,950	7%
49	$72	$148	$1,781	-9%
50	$64	$133	$1,600	-10%
51	$68	$139	$1,664	4%
52	$68	$140	$1,679	1%
53	$67	$136	$1,631	-3%
54	$69	$133	$1,595	-2%
55	$69	$140	$1,677	5%
56	$66	$137	$1,640	-2%
57	$69	$134	$1,608	-2%
58	$62	$130	$1,556	-3%
59	$69	$134	$1,604	3%
60	$66	$132	$1,578	-2%
61	$64	$127	$1,523	-4%
62	$66	$133	$1,597	5%
63	$73	$165	$1,983	24%
64	$64	$122	$1,459	-26%
65	$67	$123	$1,471	1%
66	$63	$124	$1,489	1%
67	$70	$138	$1,662	12%
68	$68	$133	$1,597	-4%
69	$67	$136	$1,633	2%
70	$66	$125	$1,498	-8%
71	$66	$129	$1,544	3%
72	$67	$133	$1,594	3%
73	$63	$126	$1,512	-5%
74	$68	$132	$1,586	5%
75	$70	$143	$1,719	8%

Last Updated April 3, 2026

Key takeaway: Arkansas rates drop 19% between ages 16 and 17, which is atypical. After that, the decline follows the national pattern, reaching $143/mo by age 75.

California

California has some unique rules that affect how rates are set. The state bans the use of gender as a rating factor, meaning male and female drivers in the same age group are priced the same. That makes age an even more dominant driver of your premium here than in most states. 16-year-olds in California average $485 per month based on Jerry’s data, which is slightly below the national average for that age group.

Rates fall steadily through the 20s and 30s. By 30, the average drops to $257 per month, and by 65 it reaches $175 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $189 per month, one of the more stable late-life trajectories in the dataset. Drivers in Los Angeles and San Francisco typically pay above the statewide average due to higher traffic density and theft risk.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$192	$485	$5,825	–
17	$194	$451	$5,416	-7%
18	$217	$498	$5,977	10%
19	$207	$468	$5,611	-6%
20	$190	$432	$5,188	-8%
21	$181	$395	$4,745	-9%
22	$153	$350	$4,195	-12%
23	$146	$337	$4,043	-4%
24	$137	$314	$3,764	-7%
25	$141	$305	$3,665	-3%
26	$136	$297	$3,561	-3%
27	$127	$284	$3,403	-4%
28	$129	$276	$3,315	-3%
29	$123	$272	$3,270	-1%
30	$119	$257	$3,081	-6%
31	$116	$257	$3,086	0%
32	$112	$248	$2,979	-3%
33	$110	$241	$2,888	-3%
34	$110	$234	$2,809	-3%
35	$109	$235	$2,819	0%
36	$110	$226	$2,711	-4%
37	$105	$221	$2,655	-2%
38	$105	$222	$2,664	0%
39	$104	$225	$2,697	1%
40	$102	$216	$2,588	-4%
41	$102	$213	$2,560	-1%
42	$100	$208	$2,496	-2%
43	$101	$208	$2,500	0%
44	$100	$208	$2,493	-0%
45	$98	$210	$2,521	1%
46	$98	$211	$2,530	0%
47	$100	$209	$2,503	-1%
48	$98	$204	$2,444	-2%
49	$94	$203	$2,431	-1%
50	$98	$204	$2,444	1%
51	$97	$200	$2,404	-2%
52	$96	$200	$2,397	-0%
53	$99	$200	$2,399	0%
54	$95	$192	$2,304	-4%
55	$93	$194	$2,328	1%
56	$96	$195	$2,338	0%
57	$93	$186	$2,236	-4%
58	$94	$194	$2,332	4%
59	$92	$186	$2,236	-4%
60	$90	$180	$2,163	-3%
61	$90	$186	$2,235	3%
62	$92	$185	$2,215	-1%
63	$91	$180	$2,160	-3%
64	$90	$176	$2,109	-2%
65	$89	$175	$2,106	-0%
66	$93	$180	$2,157	2%
67	$93	$184	$2,211	3%
68	$91	$180	$2,163	-2%
69	$94	$182	$2,183	1%
70	$91	$185	$2,224	2%
71	$94	$185	$2,217	-0%
72	$94	$186	$2,227	0%
73	$97	$190	$2,274	2%
74	$96	$191	$2,297	1%
75	$97	$189	$2,267	-1%

Last Updated April 3, 2026

Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $485/mo. Rates fall to $175/mo by 65 and stay stable through the mid-70s.

Colorado

Colorado 16-year-olds pay an average of $523 per month, and the biggest single-year drop afterwards in the state comes at 21, when rates fall 21% to $327 per month. Drivers in Denver typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$260	$523	$6,270	–
17	$207	$414	$4,973	-21%
18	$239	$484	$5,811	17%
19	$224	$467	$5,602	-4%
20	$195	$413	$4,954	-12%
21	$166	$327	$3,922	-21%
22	$148	$318	$3,820	-3%
23	$141	$298	$3,570	-7%
24	$135	$296	$3,552	-1%
25	$125	$272	$3,262	-8%
26	$120	$256	$3,076	-6%
27	$123	$273	$3,275	6%
28	$113	$251	$3,010	-8%
29	$112	$241	$2,886	-4%
30	$106	$238	$2,860	-1%
31	$113	$245	$2,936	3%
32	$102	$230	$2,758	-6%
33	$101	$219	$2,634	-5%
34	$103	$231	$2,771	5%
35	$101	$222	$2,659	-4%
36	$100	$216	$2,589	-3%
37	$94	$215	$2,574	-1%
38	$95	$209	$2,503	-3%
39	$96	$221	$2,649	6%
40	$93	$209	$2,505	-5%
41	$93	$197	$2,363	-6%
42	$88	$188	$2,255	-5%
43	$86	$199	$2,391	6%
44	$92	$199	$2,390	-0%
45	$87	$196	$2,353	-2%
46	$87	$195	$2,339	-1%
47	$87	$191	$2,298	-2%
48	$91	$202	$2,425	6%
49	$92	$198	$2,378	-2%
50	$88	$196	$2,354	-1%
51	$82	$174	$2,087	-11%
52	$87	$191	$2,295	10%
53	$86	$189	$2,272	-1%
54	$81	$177	$2,125	-6%
55	$87	$190	$2,282	7%
56	$85	$184	$2,209	-3%
57	$78	$166	$1,986	-10%
58	$83	$180	$2,160	9%
59	$80	$171	$2,055	-5%
60	$74	$158	$1,896	-8%
61	$78	$161	$1,932	2%
62	$76	$168	$2,015	4%
63	$81	$157	$1,881	-7%
64	$79	$175	$2,095	11%
65	$80	$164	$1,964	-6%
66	$77	$154	$1,849	-6%
67	$83	$165	$1,980	7%
68	$83	$168	$2,015	2%
69	$78	$157	$1,889	-6%
70	$83	$171	$2,056	9%
71	$79	$160	$1,916	-7%
72	$78	$161	$1,928	1%
73	$77	$154	$1,844	-4%
74	$81	$149	$1,785	-3%
75	$93	$182	$2,185	22%

Last Updated April 3, 2026

Key takeaway: Colorado’s steepest drop is 21% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $182/mo.

Connecticut

Connecticut has some of the highest teen insurance rates in the country; 16-year-olds average $808 per month, above the national average for that age. The single largest drop in Connecticut’s data comes at 21, when rates fall 22% to $472 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$450	$808	$9,700	–
17	$428	$776	$9,316	-4%
18	$400	$753	$9,036	-3%
19	$350	$653	$7,839	-13%
20	$302	$604	$7,253	-7%
21	$253	$472	$5,667	-22%
22	$242	$432	$5,187	-8%
23	$234	$430	$5,158	-1%
24	$213	$398	$4,772	-7%
25	$201	$365	$4,382	-8%
26	$196	$353	$4,233	-3%
27	$189	$340	$4,075	-4%
28	$186	$323	$3,879	-5%
29	$190	$331	$3,970	2%
30	$186	$332	$3,988	0%
31	$177	$318	$3,819	-4%
32	$172	$294	$3,529	-8%
33	$176	$296	$3,553	1%
34	$170	$282	$3,378	-5%
35	$170	$295	$3,534	5%
36	$173	$290	$3,477	-2%
37	$164	$274	$3,288	-5%
38	$168	$278	$3,342	2%
39	$172	$280	$3,363	1%
40	$161	$275	$3,304	-2%
41	$160	$276	$3,306	0%
42	$162	$267	$3,201	-3%
43	$164	$268	$3,216	0%
44	$167	$274	$3,285	2%
45	$168	$282	$3,378	3%
46	$170	$288	$3,454	2%
47	$167	$277	$3,325	-4%
48	$159	$264	$3,166	-5%
49	$166	$269	$3,228	2%
50	$158	$276	$3,308	2%
51	$164	$269	$3,228	-2%
52	$149	$244	$2,927	-9%
53	$153	$251	$3,014	3%
54	$156	$256	$3,070	2%
55	$161	$259	$3,103	1%
56	$143	$229	$2,748	-11%
57	$137	$229	$2,744	-0%
58	$145	$232	$2,784	1%
59	$136	$217	$2,605	-6%
60	$152	$238	$2,856	10%
61	$138	$231	$2,772	-3%
62	$140	$235	$2,819	2%
63	$137	$221	$2,654	-6%
64	$136	$220	$2,639	-1%
65	$135	$217	$2,601	-1%
66	$140	$224	$2,693	4%
67	$136	$231	$2,768	3%
68	$169	$281	$3,377	22%
69	$154	$243	$2,914	-14%
70	$149	$237	$2,848	-2%
71	$138	$223	$2,677	-6%
72	$162	$257	$3,083	15%
73	$145	$253	$3,033	-2%
74	$133	$248	$2,978	-2%
75	$146	$255	$3,055	3%

Last Updated April 3, 2026

Key takeaway: Connecticut 16-year-olds average $808/mo, among the highest nationally. The biggest drop, 23%, happens at age 21 ( 22%). Even at 75, the average stays elevated at $255/mo.

Delaware

Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $727 per month before a steep 30% drop at 19. By 30, rates settle to $253 per month, and the long-term trend is downward from there.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$382	$513	$6,159	–
17	$355	$645	$7,745	26%
18	$358	$727	$8,718	13%
19	$290	$512	$6,140	-30%
20	$218	$378	$4,541	-26%
21	$217	$356	$4,272	-6%
22	$189	$309	$3,710	-13%
23	$180	$312	$3,745	1%
24	$175	$284	$3,408	-9%
25	$163	$270	$3,237	-5%
26	$145	$237	$2,843	-12%
27	$150	$245	$2,939	3%
28	$143	$237	$2,839	-3%
29	$150	$248	$2,971	5%
30	$150	$253	$3,038	2%
31	$146	$244	$2,927	-4%
32	$141	$226	$2,706	-8%
33	$137	$217	$2,600	-4%
34	$143	$219	$2,631	1%
35	$138	$234	$2,804	7%
36	$126	$200	$2,398	-14%
37	$128	$217	$2,599	8%
38	$132	$209	$2,502	-4%
39	$140	$210	$2,517	1%
40	$129	$207	$2,485	-1%
41	$143	$251	$3,017	21%
42	$124	$205	$2,455	-19%
43	$126	$208	$2,490	1%
44	$134	$221	$2,647	6%
45	$131	$214	$2,570	-3%
46	$126	$205	$2,459	-4%
47	$128	$202	$2,428	-1%
48	$122	$194	$2,332	-4%
49	$131	$226	$2,713	16%
50	$124	$200	$2,398	-12%
51	$147	$229	$2,742	14%
52	$114	$188	$2,250	-18%
53	$122	$198	$2,370	5%
54	$120	$190	$2,277	-4%
55	$114	$182	$2,180	-4%
56	$120	$201	$2,407	10%
57	$126	$194	$2,333	-3%
58	$116	$196	$2,351	1%
59	$123	$194	$2,327	-1%
60	$113	$183	$2,191	-6%
61	$115	$175	$2,103	-4%
62	$115	$193	$2,313	10%
63	$118	$207	$2,482	7%
64	$110	$172	$2,059	-17%
65	$112	$187	$2,250	9%
66	$96	$165	$1,983	-12%
67	$95	$162	$1,946	-2%
68	$111	$180	$2,161	11%
69	$111	$177	$2,121	-2%
70	$115	$190	$2,274	7%
71	$120	$199	$2,389	5%
72	$122	$188	$2,253	-6%
73	$128	$196	$2,346	4%
74	$131	$216	$2,595	11%
75	$98	$165	$1,977	-24%

Last Updated April 3, 2026

Key takeaway: Delaware rates peak at 18 ( $727/mo) before dropping sharply. By 30, the average falls to $253/mo. Rates continue declining steadily into the mid-60s.

Florida

Florida is one of the more expensive states for car insurance at every age, and the data shows an unusual pattern at the teen level. Rates actually increase from 16 to 17 and again from 17 to 18, peaking at $568 per month at age 18, which is the highest point in Florida’s dataset. This contrasts with the national trend, where rates generally fall after 16. The spike likely reflects the high cost of adding newly independent young drivers to standalone policies in a state with elevated claims costs.

Florida requires pip coverage for all drivers, which adds to the base premium regardless of age. According to the Florida Department of Highway Safety and Motor Vehicles, all registered vehicles must carry both PIP and property damage liability coverage.

After 18, rates do fall consistently. By 30, the average drops to $293 per month, and by 65 it reaches $202 per month. Florida’s rates level off more slowly after 65 than most states, with 75-year-olds averaging $191 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$202	$493	$5,916	–
17	$224	$550	$6,606	12%
18	$228	$568	$6,812	3%
19	$198	$478	$5,738	-16%
20	$174	$432	$5,183	-10%
21	$161	$392	$4,708	-9%
22	$152	$372	$4,468	-5%
23	$139	$335	$4,022	-10%
24	$136	$314	$3,772	-6%
25	$136	$316	$3,792	1%
26	$127	$298	$3,575	-6%
27	$125	$303	$3,638	2%
28	$126	$295	$3,536	-3%
29	$123	$291	$3,493	-1%
30	$121	$293	$3,517	1%
31	$121	$287	$3,442	-2%
32	$120	$285	$3,418	-1%
33	$114	$274	$3,287	-4%
34	$115	$271	$3,255	-1%
35	$111	$267	$3,199	-2%
36	$109	$258	$3,095	-3%
37	$109	$263	$3,152	2%
38	$107	$256	$3,071	-3%
39	$109	$254	$3,044	-1%
40	$108	$257	$3,086	1%
41	$104	$253	$3,037	-2%
42	$105	$250	$2,996	-1%
43	$102	$245	$2,945	-2%
44	$101	$240	$2,884	-2%
45	$102	$239	$2,863	-1%
46	$99	$240	$2,886	1%
47	$101	$239	$2,871	-1%
48	$100	$242	$2,903	1%
49	$100	$246	$2,948	2%
50	$97	$234	$2,809	-5%
51	$99	$235	$2,818	0%
52	$97	$234	$2,805	-0%
53	$92	$226	$2,709	-3%
54	$94	$229	$2,746	1%
55	$94	$223	$2,675	-3%
56	$91	$222	$2,664	-0%
57	$87	$209	$2,506	-6%
58	$92	$219	$2,625	5%
59	$89	$212	$2,544	-3%
60	$88	$208	$2,491	-2%
61	$86	$204	$2,443	-2%
62	$86	$205	$2,458	1%
63	$88	$206	$2,471	1%
64	$82	$195	$2,345	-5%
65	$86	$202	$2,430	4%
66	$84	$198	$2,377	-2%
67	$86	$203	$2,440	3%
68	$85	$199	$2,390	-2%
69	$84	$199	$2,392	0%
70	$86	$206	$2,469	3%
71	$90	$207	$2,486	1%
72	$86	$202	$2,430	-2%
73	$86	$203	$2,431	0%
74	$92	$222	$2,662	9%
75	$84	$191	$2,290	-14%

Last Updated April 3, 2026

Key takeaway: Florida rates peak at 18 ( $568/mo) before falling. PIP coverage is required statewide, which adds to premiums at every age. By 65, the average is $202/mo.

Georgia

Georgia has some of the highest teen rates in the country, and the data shows a pattern worth noting: rates peak at 18, not 16, so 18-year-olds in Georgia average $818 per month compared to $770 per month at 16. This spike at 18 follows the same logic seen nationally, where newly independent drivers moving off a parent’s policy push up the average for that age. The Atlanta metro area is a major cost driver, given its dense traffic, high accident frequency and elevated claims costs.

Rates fall sharply through the early 20s. By 21, the average drops to $521 per month. By 30, it reaches $327 per month. Georgia rates continue declining steadily through middle age but remain above the national average at most ages. By 65, drivers in Georgia average $254 per month, and 75-year-olds average $293 per month, both well above the national averages for those age groups. A strong driving record and car insurance discounts can make a meaningful difference here.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$396	$770	$9,235	–
17	$400	$766	$9,198	-0%
18	$423	$818	$9,814	7%
19	$378	$673	$8,077	-18%
20	$332	$601	$7,216	-11%
21	$292	$521	$6,251	-13%
22	$264	$464	$5,562	-11%
23	$249	$433	$5,198	-7%
24	$237	$404	$4,843	-7%
25	$224	$385	$4,615	-5%
26	$213	$363	$4,355	-6%
27	$204	$344	$4,124	-5%
28	$200	$340	$4,079	-1%
29	$192	$333	$3,995	-2%
30	$190	$327	$3,920	-2%
31	$185	$321	$3,851	-2%
32	$189	$322	$3,861	0%
33	$187	$317	$3,800	-2%
34	$176	$310	$3,718	-2%
35	$180	$308	$3,694	-1%
36	$178	$308	$3,702	0%
37	$177	$302	$3,626	-2%
38	$176	$302	$3,626	0%
39	$171	$291	$3,490	-4%
40	$168	$292	$3,509	1%
41	$166	$284	$3,414	-3%
42	$161	$279	$3,354	-2%
43	$159	$277	$3,325	-1%
44	$160	$277	$3,326	0%
45	$162	$279	$3,345	1%
46	$155	$267	$3,199	-4%
47	$159	$274	$3,286	3%
48	$160	$277	$3,323	1%
49	$160	$276	$3,316	-0%
50	$156	$270	$3,236	-2%
51	$149	$257	$3,082	-5%
52	$147	$258	$3,098	1%
53	$147	$257	$3,082	-1%
54	$145	$252	$3,026	-2%
55	$152	$264	$3,172	5%
56	$146	$255	$3,063	-3%
57	$152	$260	$3,120	2%
58	$142	$247	$2,964	-5%
59	$145	$252	$3,023	2%
60	$149	$258	$3,096	2%
61	$150	$256	$3,072	-1%
62	$150	$254	$3,050	-1%
63	$151	$262	$3,150	3%
64	$152	$257	$3,087	-2%
65	$149	$254	$3,051	-1%
66	$144	$261	$3,129	3%
67	$151	$257	$3,086	-1%
68	$152	$259	$3,113	1%
69	$153	$261	$3,128	0%
70	$152	$260	$3,120	-0%
71	$157	$269	$3,224	3%
72	$152	$260	$3,126	-3%
73	$156	$270	$3,238	4%
74	$154	$257	$3,083	-5%
75	$164	$293	$3,510	14%

Last Updated April 3, 2026

Key takeaway: Georgia 18-year-olds average $818/mo, higher than at 16. Atlanta drives rates above the national average statewide. By 65, drivers average $254/mo, still above the national norm.

Idaho

Idaho is one of the most affordable states for car insurance in the country. There, 16-year-olds average $369 per month. By 30, that figure drops to just $119 per month, among the lowest 30-year-old averages in the dataset.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$273	$369	$4,429	–
17	$190	$359	$4,308	-3%
18	$208	$308	$3,694	-14%
19	$139	$232	$2,778	-25%
20	$123	$239	$2,863	3%
21	$121	$217	$2,602	-9%
22	$95	$156	$1,877	-28%
23	$84	$148	$1,779	-5%
24	$77	$135	$1,620	-9%
25	$81	$141	$1,686	4%
26	$77	$157	$1,879	11%
27	$69	$125	$1,494	-20%
28	$73	$144	$1,733	16%
29	$68	$114	$1,363	-21%
30	$64	$119	$1,424	5%
31	$60	$104	$1,244	-13%
32	$62	$107	$1,283	3%
33	$56	$108	$1,299	1%
34	$64	$118	$1,416	9%
35	$65	$106	$1,276	-10%
36	$57	$105	$1,262	-1%
37	$59	$106	$1,270	1%
38	$55	$91	$1,088	-14%
39	$59	$99	$1,186	9%
40	$56	$94	$1,122	-5%
41	$62	$103	$1,241	11%
42	$57	$102	$1,219	-2%
43	$62	$108	$1,292	6%
44	$61	$107	$1,279	-1%
45	$53	$92	$1,102	-14%
46	$58	$108	$1,298	18%
47	$55	$93	$1,111	-14%
48	$56	$92	$1,107	-0%
49	$56	$95	$1,144	3%
50	$57	$98	$1,176	3%
51	$51	$96	$1,156	-2%
52	$51	$90	$1,077	-7%
53	$57	$100	$1,198	11%
54	$46	$75	$905	-24%
55	$55	$93	$1,120	24%
56	$45	$77	$919	-18%
57	$62	$106	$1,272	38%
58	$56	$86	$1,029	-19%
59	$48	$79	$946	-8%
60	$50	$81	$973	3%
61	$47	$85	$1,025	5%
62	$52	$84	$1,002	-2%
63	$46	$83	$1,000	-0%
64	$49	$87	$1,045	4%
65	$51	$76	$914	-13%
66	$47	$92	$1,099	20%
67	$52	$84	$1,006	-9%
68	$41	$70	$837	-17%
69	$46	$78	$937	12%
70	$43	$72	$867	-8%
71	$53	$83	$1,001	15%
72	$45	$63	$754	-25%
73	$44	$83	$994	32%
74	$44	$76	$915	-8%
75	$58	$89	$1,071	17%

Last Updated April 3, 2026

Key takeaway: Idaho is among the cheapest states at every age. Teens average $369/mo at 16, dropping to just $119/mo by 30. Low population density keeps rates well below national averages.

Illinois

Illinois rates tell two different stories depending on where you live. Drivers in the Chicago metro area pay significantly more than those in rural parts of the state, and that gap is consistent at every age. Statewide, 16-year-olds in Illinois average $359 per month, which is below the national teen average, making it more affordable than most states for young drivers at the state level.

Rates fall consistently through the 20s and 30s. The biggest year-over-year drops come at 21 and 22, where rates fall 15% and 17% respectively, steeper than the national average for those years. By 30, Illinois drivers average $178 per month. Rates continue declining into the 60s, reaching $137 per month at age 65. By 75, the average is $149 per month, one of the lower late-life rates in the Midwest. Drivers in Chicago should expect to pay above the statewide averages shown here.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$203	$359	$4,307	–
17	$222	$400	$4,799	11%
18	$208	$387	$4,647	-3%
19	$200	$375	$4,502	-3%
20	$187	$386	$4,634	3%
21	$164	$330	$3,959	-15%
22	$139	$275	$3,305	-17%
23	$136	$256	$3,076	-7%
24	$122	$223	$2,676	-13%
25	$114	$213	$2,555	-5%
26	$107	$198	$2,377	-7%
27	$99	$188	$2,256	-5%
28	$97	$185	$2,219	-2%
29	$101	$185	$2,220	0%
30	$94	$178	$2,141	-4%
31	$93	$180	$2,155	1%
32	$97	$190	$2,285	6%
33	$92	$173	$2,075	-9%
34	$88	$171	$2,050	-1%
35	$91	$175	$2,103	3%
36	$88	$169	$2,029	-3%
37	$88	$161	$1,933	-5%
38	$87	$166	$1,995	3%
39	$89	$172	$2,064	3%
40	$86	$162	$1,948	-6%
41	$84	$156	$1,874	-4%
42	$83	$157	$1,887	1%
43	$85	$156	$1,870	-1%
44	$86	$161	$1,938	4%
45	$80	$148	$1,777	-8%
46	$80	$152	$1,825	3%
47	$86	$164	$1,973	8%
48	$80	$158	$1,890	-4%
49	$83	$153	$1,840	-3%
50	$81	$150	$1,806	-2%
51	$83	$158	$1,894	5%
52	$82	$147	$1,768	-7%
53	$78	$146	$1,753	-1%
54	$79	$145	$1,742	-1%
55	$82	$155	$1,865	7%
56	$80	$146	$1,747	-6%
57	$74	$137	$1,640	-6%
58	$76	$143	$1,716	5%
59	$86	$150	$1,794	5%
60	$81	$147	$1,768	-1%
61	$75	$142	$1,706	-4%
62	$75	$144	$1,729	1%
63	$75	$138	$1,651	-4%
64	$82	$149	$1,788	8%
65	$77	$137	$1,641	-8%
66	$80	$150	$1,802	10%
67	$78	$138	$1,660	-8%
68	$80	$145	$1,734	4%
69	$80	$140	$1,682	-3%
70	$79	$149	$1,793	7%
71	$79	$148	$1,776	-1%
72	$80	$148	$1,770	-0%
73	$76	$128	$1,534	-13%
74	$76	$136	$1,627	6%
75	$82	$149	$1,786	10%

Last Updated April 3, 2026

Key takeaway: Illinois 16-year-olds average $359/mo, well below the national teen average. The sharpest drops come at 21 and 22. Chicago-area drivers pay above the statewide average at every age.

Indiana.

Indiana offers some of the most affordable rates for both teens and young adults in the country. In this state, 16-year-olds average $314 per month and by 30 the average drops to $149 per month, well below the national average for that age.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$180	$314	$3,763	–
17	$158	$287	$3,440	-9%
18	$157	$306	$3,674	7%
19	$144	$280	$3,362	-8%
20	$138	$265	$3,181	-5%
21	$118	$228	$2,741	-14%
22	$114	$213	$2,558	-7%
23	$102	$199	$2,387	-7%
24	$95	$180	$2,161	-9%
25	$92	$178	$2,140	-1%
26	$92	$160	$1,923	-10%
27	$82	$146	$1,758	-9%
28	$90	$160	$1,926	10%
29	$83	$146	$1,755	-9%
30	$83	$149	$1,789	2%
31	$83	$159	$1,906	7%
32	$78	$141	$1,695	-11%
33	$76	$135	$1,624	-4%
34	$76	$140	$1,680	3%
35	$74	$131	$1,569	-7%
36	$76	$137	$1,646	5%
37	$76	$132	$1,585	-4%
38	$78	$132	$1,586	0%
39	$75	$129	$1,550	-2%
40	$78	$137	$1,641	6%
41	$71	$128	$1,536	-6%
42	$72	$129	$1,551	1%
43	$72	$133	$1,593	3%
44	$70	$128	$1,537	-4%
45	$74	$132	$1,584	3%
46	$74	$129	$1,543	-3%
47	$73	$126	$1,507	-2%
48	$73	$125	$1,498	-1%
49	$70	$127	$1,523	2%
50	$70	$120	$1,434	-6%
51	$68	$122	$1,464	2%
52	$71	$118	$1,420	-3%
53	$73	$126	$1,517	7%
54	$63	$113	$1,355	-11%
55	$66	$110	$1,326	-2%
56	$64	$110	$1,325	-0%
57	$68	$122	$1,467	11%
58	$62	$107	$1,286	-12%
59	$61	$109	$1,312	2%
60	$65	$110	$1,322	1%
61	$67	$115	$1,380	4%
62	$63	$113	$1,354	-2%
63	$68	$120	$1,445	7%
64	$61	$109	$1,313	-9%
65	$58	$101	$1,207	-8%
66	$64	$113	$1,358	13%
67	$62	$102	$1,226	-10%
68	$55	$108	$1,291	5%
69	$60	$100	$1,194	-7%
70	$66	$116	$1,392	17%
71	$72	$114	$1,373	-1%
72	$64	$109	$1,307	-5%
73	$68	$115	$1,382	6%
74	$72	$123	$1,477	7%
75	$65	$110	$1,320	-11%

Last Updated April 3, 2026

Key takeaway: Indiana rates are affordable across all age groups; 16-year-olds average $314/mo, and by 30 the average falls to $149/mo, one of the lowest in the Midwest.

Iowa

Iowa has the lowest teen rates in Jerry’s dataset. Iowa 16-year-olds average just $238 per month, less than half the national average for that age. Low population density and fewer urban drivers keep rates affordable across every age group.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$141	$238	$2,852	–
17	$124	$208	$2,498	-12%
18	$124	$229	$2,746	10%
19	$128	$229	$2,752	0%
20	$106	$187	$2,248	-18%
21	$106	$180	$2,162	-4%
22	$78	$152	$1,824	-16%
23	$68	$112	$1,349	-26%
24	$78	$136	$1,638	21%
25	$69	$121	$1,448	-12%
26	$65	$119	$1,426	-2%
27	$70	$132	$1,582	11%
28	$67	$122	$1,459	-8%
29	$67	$128	$1,538	5%
30	$68	$117	$1,405	-9%
31	$64	$118	$1,419	1%
32	$63	$121	$1,454	2%
33	$62	$109	$1,307	-10%
34	$59	$110	$1,324	1%
35	$59	$107	$1,287	-3%
36	$55	$90	$1,076	-16%
37	$58	$102	$1,219	13%
38	$50	$88	$1,058	-13%
39	$55	$93	$1,115	5%
40	$56	$98	$1,175	5%
41	$58	$106	$1,267	8%
42	$53	$98	$1,178	-7%
43	$62	$101	$1,212	3%
44	$52	$95	$1,141	-6%
45	$54	$95	$1,134	-1%
46	$57	$96	$1,153	2%
47	$60	$100	$1,195	4%
48	$54	$88	$1,058	-11%
49	$54	$93	$1,113	5%
50	$48	$88	$1,055	-5%
51	$50	$91	$1,088	3%
52	$58	$90	$1,080	-1%
53	$51	$92	$1,103	2%
54	$51	$87	$1,041	-6%
55	$51	$87	$1,050	1%
56	$52	$90	$1,079	3%
57	$50	$87	$1,042	-3%
58	$53	$85	$1,016	-2%
59	$52	$88	$1,055	4%
60	$53	$86	$1,032	-2%
61	$47	$77	$926	-10%
62	$41	$76	$907	-2%
63	$45	$75	$897	-1%
64	$45	$79	$951	6%
65	$43	$84	$1,009	6%
66	$41	$75	$902	-11%
67	$29	$58	$698	-23%
68	$45	$87	$1,049	50%
69	$36	$77	$925	-12%
70	$51	$101	$1,207	30%
71	$58	$89	$1,073	-11%
72	$45	$83	$991	-8%
73	$54	$85	$1,016	3%
74	$45	$83	$991	-2%
75	$48	$85	$1,019	3%

Last Updated April 3, 2026

Key takeaway: Iowa 16-year-olds average $238/mo, the lowest teen rate in Jerry’s dataset. Rates are affordable at every age, driven by low population density and a low claims environment.

Kansas

Kansas rates are below the national average for most age groups — 16-year-olds average $324 per month, and rates decline steadily with age, reaching $108 per month at 65.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$193	$324	$3,893	–
17	$182	$300	$3,595	-8%
18	$174	$328	$3,942	10%
19	$150	$276	$3,313	-16%
20	$150	$270	$3,234	-2%
21	$129	$246	$2,956	-9%
22	$125	$223	$2,675	-9%
23	$116	$206	$2,469	-8%
24	$107	$181	$2,178	-12%
25	$104	$185	$2,225	2%
26	$97	$170	$2,040	-8%
27	$100	$182	$2,178	7%
28	$84	$153	$1,832	-16%
29	$84	$152	$1,818	-1%
30	$87	$173	$2,076	14%
31	$89	$160	$1,919	-8%
32	$88	$158	$1,895	-1%
33	$86	$153	$1,837	-3%
34	$85	$145	$1,741	-5%
35	$82	$149	$1,789	3%
36	$81	$150	$1,799	1%
37	$81	$144	$1,730	-4%
38	$76	$145	$1,736	0%
39	$76	$136	$1,637	-6%
40	$78	$137	$1,649	1%
41	$72	$129	$1,545	-6%
42	$79	$139	$1,664	8%
43	$76	$133	$1,591	-4%
44	$78	$137	$1,639	3%
45	$74	$133	$1,597	-3%
46	$72	$130	$1,566	-2%
47	$74	$140	$1,682	7%
48	$72	$137	$1,644	-2%
49	$72	$124	$1,485	-10%
50	$77	$136	$1,635	10%
51	$72	$134	$1,612	-1%
52	$70	$122	$1,461	-9%
53	$73	$132	$1,586	9%
54	$68	$117	$1,406	-11%
55	$71	$135	$1,621	15%
56	$64	$114	$1,370	-15%
57	$70	$122	$1,460	7%
58	$65	$109	$1,310	-10%
59	$65	$118	$1,413	8%
60	$66	$107	$1,284	-9%
61	$68	$117	$1,398	9%
62	$64	$113	$1,353	-3%
63	$74	$123	$1,474	9%
64	$65	$114	$1,363	-8%
65	$61	$108	$1,296	-5%
66	$65	$117	$1,402	8%
67	$71	$129	$1,545	10%
68	$65	$113	$1,359	-12%
69	$69	$114	$1,372	1%
70	$52	$92	$1,110	-19%
71	$79	$145	$1,744	57%
72	$62	$99	$1,188	-32%
73	$72	$125	$1,502	26%
74	$70	$125	$1,495	-0%
75	$61	$106	$1,270	-15%

Last Updated April 3, 2026

Key takeaway: Kansas rates are below average across most age groups. Kansas-based 16-year-olds average $324/mo and rates fall to $108/mo by 65. Severe weather can push up comprehensive coverage costs.

Kentucky

Kentucky is a no-fault state requiring personal injury protection coverage for all drivers, which adds to base premiums at every age. In this state, 16-year-olds average $574 per month, and rates remain above the national average throughout adulthood.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$365	$574	$6,886	–
17	$301	$505	$6,061	-12%
18	$265	$454	$5,451	-10%
19	$259	$553	$6,633	22%
20	$240	$554	$6,649	0%
21	$224	$491	$5,895	-11%
22	$201	$435	$5,224	-11%
23	$185	$382	$4,580	-12%
24	$175	$376	$4,515	-1%
25	$176	$366	$4,387	-3%
26	$175	$382	$4,581	4%
27	$163	$345	$4,145	-10%
28	$158	$341	$4,093	-1%
29	$161	$348	$4,176	2%
30	$154	$327	$3,922	-6%
31	$153	$339	$4,066	4%
32	$153	$319	$3,824	-6%
33	$151	$320	$3,842	0%
34	$148	$331	$3,970	3%
35	$137	$304	$3,651	-8%
36	$142	$308	$3,693	1%
37	$139	$310	$3,724	1%
38	$141	$315	$3,774	1%
39	$137	$309	$3,703	-2%
40	$137	$301	$3,613	-2%
41	$142	$334	$4,009	11%
42	$130	$296	$3,552	-11%
43	$130	$304	$3,652	3%
44	$130	$289	$3,467	-5%
45	$135	$308	$3,695	7%
46	$129	$282	$3,379	-9%
47	$130	$304	$3,646	8%
48	$124	$266	$3,197	-12%
49	$126	$301	$3,610	13%
50	$127	$279	$3,349	-7%
51	$123	$270	$3,237	-3%
52	$124	$263	$3,159	-2%
53	$116	$247	$2,968	-6%
54	$116	$256	$3,073	4%
55	$123	$265	$3,176	3%
56	$111	$239	$2,865	-10%
57	$117	$259	$3,111	9%
58	$114	$229	$2,748	-12%
59	$117	$250	$2,995	9%
60	$116	$256	$3,077	3%
61	$119	$253	$3,031	-1%
62	$121	$274	$3,286	8%
63	$114	$247	$2,968	-10%
64	$119	$253	$3,039	2%
65	$116	$258	$3,091	2%
66	$109	$223	$2,674	-14%
67	$112	$226	$2,707	1%
68	$103	$202	$2,424	-10%
69	$126	$260	$3,117	29%
70	$111	$257	$3,082	-1%
71	$134	$299	$3,589	16%
72	$120	$241	$2,896	-19%
73	$120	$257	$3,087	7%
74	$112	$224	$2,692	-13%
75	$113	$229	$2,749	2%

Last Updated April 3, 2026

Key takeaway: Kentucky’s no-fault PIP requirement adds cost at every age, and 16-year-olds average $574/mo. Rates stay above average statewide, reaching around $229/mo at 75

Louisiana

Louisiana consistently ranks among the most expensive states for car insurance in the country. Its 16-year-olds average $853 per month, nearly 70% above the national teen average, driven by high litigation rates, severe weather exposure and a high uninsured driver rate.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$433	$853	$10,240	–
17	$402	$773	$9,273	-9%
18	$309	$592	$7,106	-23%
19	$280	$591	$7,089	-0%
20	$271	$566	$6,790	-4%
21	$233	$493	$5,919	-13%
22	$206	$431	$5,176	-13%
23	$202	$408	$4,899	-5%
24	$195	$391	$4,692	-4%
25	$174	$357	$4,290	-9%
26	$169	$348	$4,178	-3%
27	$161	$343	$4,114	-2%
28	$149	$315	$3,782	-8%
29	$145	$317	$3,809	1%
30	$159	$334	$4,011	5%
31	$146	$316	$3,789	-6%
32	$160	$347	$4,163	10%
33	$155	$323	$3,880	-7%
34	$154	$357	$4,282	10%
35	$143	$331	$3,968	-7%
36	$146	$311	$3,734	-6%
37	$147	$309	$3,703	-1%
38	$136	$292	$3,508	-5%
39	$146	$307	$3,684	5%
40	$134	$289	$3,473	-6%
41	$137	$291	$3,494	1%
42	$132	$283	$3,401	-3%
43	$132	$290	$3,477	2%
44	$140	$296	$3,553	2%
45	$128	$264	$3,171	-11%
46	$134	$285	$3,417	8%
47	$124	$273	$3,278	-4%
48	$131	$291	$3,494	7%
49	$124	$268	$3,221	-8%
50	$128	$270	$3,239	1%
51	$136	$309	$3,706	14%
52	$116	$260	$3,125	-16%
53	$123	$274	$3,293	5%
54	$122	$255	$3,059	-7%
55	$118	$269	$3,230	6%
56	$108	$248	$2,977	-8%
57	$119	$250	$2,998	1%
58	$122	$273	$3,279	9%
59	$111	$231	$2,766	-16%
60	$118	$268	$3,217	16%
61	$105	$231	$2,771	-14%
62	$98	$220	$2,645	-5%
63	$109	$242	$2,903	10%
64	$114	$236	$2,831	-2%
65	$116	$253	$3,038	7%
66	$110	$226	$2,716	-11%
67	$104	$220	$2,637	-3%
68	$117	$246	$2,956	12%
69	$116	$240	$2,879	-3%
70	$119	$231	$2,777	-4%
71	$111	$221	$2,658	-4%
72	$128	$269	$3,232	22%
73	$128	$252	$3,026	-6%
74	$108	$226	$2,711	-10%
75	$129	$253	$3,032	12%

Last Updated April 3, 2026

Key takeaway: Louisiana 16-year-olds average $853/mo, one of the highest in the country. High litigation and weather costs keep rates elevated at every age, reaching $253/mo at 75.

Maine

Maine is one of the most affordable states in New England for car insurance. The dataset starts at age 17, where the average is $386 per month. By 30, that falls to just $133 per month, one of the lowest 30-year-old averages in the Northeast.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

17	$267	$386	$4,630	–
18	$190	$310	$3,724	-20%
19	$183	$306	$3,672	-1%
20	$161	$268	$3,219	-12%
21	$141	$237	$2,848	-12%
22	$110	$193	$2,318	-19%
23	$91	$164	$1,974	-15%
24	$101	$175	$2,097	6%
25	$82	$140	$1,678	-20%
26	$85	$146	$1,753	4%
27	$85	$153	$1,833	5%
28	$96	$148	$1,771	-3%
29	$78	$127	$1,528	-14%
30	$80	$133	$1,600	5%
31	$79	$125	$1,503	-6%
32	$69	$113	$1,355	-10%
33	$77	$125	$1,504	11%
34	$76	$128	$1,531	2%
35	$67	$118	$1,414	-8%
36	$69	$111	$1,332	-6%
37	$69	$119	$1,433	8%
38	$63	$101	$1,210	-16%
39	$62	$119	$1,426	18%
40	$73	$115	$1,375	-4%
41	$66	$119	$1,423	3%
42	$57	$98	$1,174	-18%
43	$63	$112	$1,345	15%
44	$51	$99	$1,190	-12%
45	$58	$96	$1,147	-4%
46	$60	$109	$1,305	14%
47	$60	$104	$1,248	-4%
48	$50	$93	$1,117	-11%
49	$58	$96	$1,152	3%
50	$61	$105	$1,257	9%
51	$56	$104	$1,243	-1%
52	$57	$98	$1,182	-5%
53	$53	$89	$1,072	-9%
54	$61	$112	$1,340	25%
55	$69	$104	$1,249	-7%
56	$54	$84	$1,012	-19%
57	$51	$83	$996	-2%
58	$58	$96	$1,148	15%
59	$62	$108	$1,292	13%
60	$54	$87	$1,040	-19%
61	$56	$91	$1,096	5%
62	$55	$100	$1,204	10%
63	$57	$92	$1,101	-9%
64	$52	$88	$1,059	-4%
65	$52	$88	$1,056	-0%
66	$47	$74	$883	-16%
67	$49	$81	$970	10%
68	$43	$73	$871	-10%
69	$58	$96	$1,156	33%
70	$46	$85	$1,026	-11%
71	$61	$94	$1,127	10%
72	$57	$84	$1,012	-10%
73	$57	$86	$1,034	2%
74	$45	$71	$849	-18%
75	$48	$80	$960	13%
75	$129	$253	$3,032	12%

Last Updated April 3, 2026

Key takeaway: Maine offers some of the lowest rates in New England. By 30, the average is just $133/mo. A sharp contrast to neighboring Connecticut and Rhode Island at every age.

Maryland

Maryland has some of the highest teen rates in the country. The state’s 16-year-olds average $969 per month, driven by dense population in the Baltimore-Washington corridor, high liability minimums and elevated claims costs. Rates fall substantially with age but remain above national averages throughout.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$404	$969	$11,634	–
17	$508	$943	$11,320	-3%
18	$413	$842	$10,103	-11%
19	$365	$701	$8,410	-17%
20	$338	$664	$7,963	-5%
21	$317	$595	$7,136	-10%
22	$264	$520	$6,241	-13%
23	$259	$496	$5,954	-5%
24	$245	$462	$5,543	-7%
25	$234	$434	$5,203	-6%
26	$219	$400	$4,799	-8%
27	$209	$381	$4,570	-5%
28	$207	$393	$4,716	3%
29	$210	$374	$4,490	-5%
30	$209	$368	$4,417	-2%
31	$205	$360	$4,315	-2%
32	$192	$332	$3,985	-8%
33	$197	$354	$4,246	7%
34	$199	$343	$4,111	-3%
35	$195	$348	$4,173	1%
36	$193	$345	$4,142	-1%
37	$177	$320	$3,836	-7%
38	$186	$328	$3,934	3%
39	$183	$320	$3,840	-2%
40	$173	$305	$3,654	-5%
41	$181	$329	$3,951	8%
42	$168	$304	$3,649	-8%
43	$176	$328	$3,942	8%
44	$174	$298	$3,577	-9%
45	$172	$291	$3,492	-2%
46	$173	$322	$3,862	11%
47	$170	$296	$3,555	-8%
48	$164	$284	$3,408	-4%
49	$169	$301	$3,613	6%
50	$174	$301	$3,606	-0%
51	$156	$274	$3,289	-9%
52	$173	$290	$3,486	6%
53	$158	$268	$3,215	-8%
54	$158	$268	$3,210	-0%
55	$158	$284	$3,412	6%
56	$154	$276	$3,313	-3%
57	$154	$276	$3,316	0%
58	$153	$256	$3,076	-7%
59	$161	$278	$3,336	8%
60	$149	$281	$3,373	1%
61	$149	$261	$3,135	-7%
62	$145	$255	$3,065	-2%
63	$136	$234	$2,811	-8%
64	$154	$263	$3,154	12%
65	$149	$247	$2,970	-6%
66	$156	$266	$3,191	7%
67	$148	$261	$3,131	-2%
68	$147	$252	$3,021	-3%
69	$158	$281	$3,366	11%
70	$136	$242	$2,902	-14%
71	$180	$316	$3,789	31%
72	$170	$292	$3,505	-7%
73	$155	$286	$3,427	-2%
74	$144	$273	$3,272	-5%
75	$153	$266	$3,187	-3%

Last Updated April 3, 2026

Key takeaway: Maryland 16-year-olds average over $969/mo, among the highest nationally. Rates improve with age but stay elevated. By 65, the average is $247/mo, well above the national norm.

Massachusetts

Massachusetts bans gender as a rating factor and requires personal injury protection coverage, making age the primary driver of rate differences across the state. Massachusetts’ 16-year-olds average $505 per month, and rates fall to $152 per month by 65, one of the sharper long-term declines in New England.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$344	$505	$6,057	–
17	$385	$598	$7,171	18%
18	$356	$539	$6,465	-10%
19	$344	$544	$6,534	1%
20	$292	$499	$5,988	-8%
21	$300	$522	$6,264	5%
22	$251	$447	$5,365	-14%
23	$220	$385	$4,622	-14%
24	$204	$372	$4,461	-3%
25	$189	$361	$4,337	-3%
26	$179	$343	$4,113	-5%
27	$174	$348	$4,175	2%
28	$169	$325	$3,900	-7%
29	$158	$293	$3,521	-10%
30	$151	$285	$3,425	-3%
31	$152	$278	$3,337	-3%
32	$149	$272	$3,260	-2%
33	$140	$266	$3,194	-2%
34	$136	$247	$2,963	-7%
35	$133	$243	$2,915	-2%
36	$134	$246	$2,951	1%
37	$122	$215	$2,584	-12%
38	$129	$233	$2,799	8%
39	$124	$224	$2,688	-4%
40	$124	$217	$2,610	-3%
41	$122	$219	$2,629	1%
42	$116	$204	$2,444	-7%
43	$123	$217	$2,603	7%
44	$117	$210	$2,526	-3%
45	$121	$213	$2,553	1%
46	$122	$215	$2,581	1%
47	$111	$188	$2,251	-13%
48	$120	$199	$2,387	6%
49	$119	$206	$2,475	4%
50	$116	$195	$2,343	-5%
51	$108	$184	$2,212	-6%
52	$117	$196	$2,349	6%
53	$113	$196	$2,357	0%
54	$108	$194	$2,327	-1%
55	$104	$205	$2,465	6%
56	$109	$170	$2,038	-17%
57	$108	$180	$2,160	6%
58	$113	$195	$2,338	8%
59	$101	$177	$2,124	-9%
60	$106	$179	$2,154	1%
61	$103	$168	$2,016	-6%
62	$99	$165	$1,984	-2%
63	$102	$172	$2,061	4%
64	$100	$186	$2,232	8%
65	$87	$152	$1,819	-18%
66	$88	$141	$1,696	-7%
67	$83	$133	$1,599	-6%
68	$97	$173	$2,077	30%
69	$89	$155	$1,857	-11%
70	$100	$172	$2,069	11%
71	$93	$152	$1,823	-12%
72	$86	$149	$1,791	-2%
73	$97	$153	$1,836	3%
74	$94	$151	$1,809	-2%
75	$100	$136	$1,635	-10%

Last Updated April 3, 2026

Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $505/mo. Rates drop significantly with age, reaching $152/mo at 65 — a notable decline.

Michigan

Michigan has historically been one of the most expensive states for car insurance due to its personal injury protection requirements, though reforms passed in 2019 have helped lower costs for many drivers. The 16-year-olds in Michigan average $769 per month, and rates remain above the national average at most ages.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$376	$769	$9,223	–
17	$308	$558	$6,696	-27%
18	$287	$535	$6,420	-4%
19	$258	$491	$5,891	-8%
20	$218	$429	$5,148	-13%
21	$201	$380	$4,556	-11%
22	$181	$339	$4,063	-11%
23	$173	$328	$3,936	-3%
24	$167	$319	$3,832	-3%
25	$157	$303	$3,636	-5%
26	$146	$270	$3,242	-11%
27	$156	$290	$3,479	7%
28	$143	$271	$3,256	-6%
29	$149	$263	$3,158	-3%
30	$149	$273	$3,275	4%
31	$140	$271	$3,246	-1%
32	$140	$256	$3,067	-6%
33	$137	$242	$2,899	-5%
34	$134	$245	$2,938	1%
35	$141	$269	$3,230	10%
36	$139	$261	$3,130	-3%
37	$137	$253	$3,033	-3%
38	$133	$239	$2,865	-6%
39	$134	$254	$3,053	7%
40	$127	$241	$2,891	-5%
41	$128	$232	$2,783	-4%
42	$131	$237	$2,845	2%
43	$130	$234	$2,809	-1%
44	$127	$230	$2,762	-2%
45	$128	$251	$3,013	9%
46	$130	$241	$2,887	-4%
47	$132	$241	$2,889	0%
48	$131	$240	$2,875	-0%
49	$136	$242	$2,905	1%
50	$130	$242	$2,904	-0%
51	$134	$256	$3,074	6%
52	$130	$248	$2,971	-3%
53	$132	$237	$2,846	-4%
54	$127	$237	$2,845	-0%
55	$128	$250	$2,996	5%
56	$132	$251	$3,007	0%
57	$127	$240	$2,884	-4%
58	$114	$214	$2,572	-11%
59	$126	$235	$2,816	10%
60	$127	$236	$2,836	1%
61	$123	$237	$2,840	0%
62	$117	$225	$2,704	-5%
63	$114	$213	$2,559	-5%
64	$108	$195	$2,342	-8%
65	$112	$221	$2,656	13%
66	$110	$202	$2,425	-9%
67	$121	$219	$2,623	8%
68	$119	$220	$2,641	1%
69	$107	$208	$2,498	-5%
70	$110	$203	$2,433	-3%
71	$121	$242	$2,901	19%
72	$114	$224	$2,686	-7%
73	$120	$222	$2,663	-1%
74	$121	$211	$2,528	-5%
75	$112	$215	$2,580	2%

Last Updated April 3, 2026

Key takeaway: Michigan rates are above average at every age due to PIP requirements; 16-year-olds average $769/mo. Post-2019 reforms have helped, but rates remain among the highest nationally.

Minnesota

Minnesota is a no-fault state requiring personal injury protection coverage. Minnesota-based 16-year-olds average $337 per month, below the national average for teens, but the Twin Cities metro area pushes rates above the statewide average for urban drivers at every age.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$201	$337	$4,040	–
17	$250	$451	$5,408	34%
18	$228	$427	$5,121	-5%
19	$221	$397	$4,760	-7%
20	$168	$331	$3,967	-17%
21	$139	$277	$3,323	-16%
22	$132	$262	$3,143	-5%
23	$120	$222	$2,667	-15%
24	$113	$205	$2,462	-8%
25	$111	$211	$2,526	3%
26	$112	$211	$2,535	0%
27	$119	$212	$2,548	1%
28	$106	$198	$2,371	-7%
29	$116	$209	$2,506	6%
30	$114	$215	$2,575	3%
31	$97	$189	$2,270	-12%
32	$94	$178	$2,138	-6%
33	$102	$197	$2,366	11%
34	$98	$204	$2,451	4%
35	$92	$172	$2,059	-16%
36	$96	$182	$2,185	6%
37	$89	$162	$1,946	-11%
38	$85	$163	$1,961	1%
39	$84	$150	$1,799	-8%
40	$91	$169	$2,032	13%
41	$91	$168	$2,021	-1%
42	$89	$156	$1,871	-7%
43	$82	$147	$1,758	-6%
44	$82	$146	$1,747	-1%
45	$82	$157	$1,882	8%
46	$78	$143	$1,713	-9%
47	$88	$157	$1,889	10%
48	$89	$160	$1,918	2%
49	$86	$165	$1,976	3%
50	$79	$132	$1,581	-20%
51	$87	$155	$1,860	18%
52	$89	$150	$1,798	-3%
53	$92	$160	$1,915	6%
54	$82	$152	$1,830	-4%
55	$84	$143	$1,722	-6%
56	$82	$145	$1,738	1%
57	$83	$140	$1,682	-3%
58	$74	$133	$1,598	-5%
59	$79	$142	$1,701	6%
60	$79	$134	$1,609	-5%
61	$77	$125	$1,500	-7%
62	$76	$128	$1,537	2%
63	$81	$134	$1,614	5%
64	$69	$116	$1,398	-13%
65	$63	$116	$1,395	-0%
66	$65	$104	$1,249	-10%
67	$71	$113	$1,354	8%
68	$60	$99	$1,182	-13%
69	$80	$153	$1,841	56%
70	$76	$126	$1,508	-18%
71	$81	$130	$1,564	4%
72	$71	$130	$1,565	0%
73	$70	$108	$1,291	-18%
74	$75	$126	$1,510	17%
75	$74	$118	$1,413	-6%

Last Updated April 3, 2026

Key takeaway: Minnesota’s no-fault PIP requirement adds cost at every age; 16-year-olds average $337/mo statewide, but Minneapolis-St. Paul drivers pay more than the statewide average.

Mississippi

Mississippi has an unusual spike in its teen data. Rates jump 27% at age 18 and continue rising through age 20, peaking at $437 per month before falling sharply. Mississippi-based 16-year-olds start at $346 per month, below the national average for that age.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$215	$346	$4,158	–
17	$144	$287	$3,443	-17%
18	$174	$365	$4,375	27%
19	$170	$415	$4,981	14%
20	$162	$437	$5,249	5%
21	$140	$388	$4,655	-11%
22	$129	$341	$4,096	-12%
23	$122	$295	$3,545	-13%
24	$112	$279	$3,352	-5%
25	$106	$278	$3,340	-0%
26	$101	$275	$3,305	-1%
27	$102	$280	$3,366	2%
28	$100	$272	$3,262	-3%
29	$93	$230	$2,762	-15%
30	$89	$233	$2,796	1%
31	$91	$253	$3,038	9%
32	$89	$241	$2,894	-5%
33	$92	$267	$3,207	11%
34	$91	$243	$2,920	-9%
35	$90	$244	$2,929	0%
36	$82	$227	$2,721	-7%
37	$82	$223	$2,680	-1%
38	$83	$222	$2,660	-1%
39	$85	$235	$2,819	6%
40	$83	$223	$2,677	-5%
41	$80	$235	$2,817	5%
42	$79	$216	$2,597	-8%
43	$82	$215	$2,575	-1%
44	$81	$221	$2,654	3%
45	$80	$228	$2,738	3%
46	$84	$241	$2,892	6%
47	$81	$219	$2,627	-9%
48	$80	$227	$2,726	4%
49	$79	$208	$2,502	-8%
50	$80	$198	$2,372	-5%
51	$77	$211	$2,527	7%
52	$76	$204	$2,451	-3%
53	$75	$195	$2,334	-5%
54	$77	$189	$2,270	-3%
55	$76	$195	$2,339	3%
56	$75	$191	$2,286	-2%
57	$72	$182	$2,187	-4%
58	$74	$191	$2,289	5%
59	$81	$202	$2,428	6%
60	$70	$159	$1,903	-22%
61	$73	$199	$2,389	26%
62	$77	$189	$2,269	-5%
63	$68	$153	$1,837	-19%
64	$73	$187	$2,240	22%
65	$72	$160	$1,924	-14%
66	$70	$170	$2,038	6%
67	$64	$156	$1,875	-8%
68	$70	$165	$1,986	6%
69	$68	$160	$1,926	-3%
70	$71	$151	$1,813	-6%
71	$74	$160	$1,919	6%
72	$78	$198	$2,374	24%
73	$92	$284	$3,409	44%
74	$86	$239	$2,873	-16%
75	$84	$220	$2,637	-8%

Last Updated April 3, 2026

Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $437/mo at age 20. After that, rates decline steadily, reaching $160/mo by age 65.

Missouri

Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $621 and $535 per month between ages 16 and 20. The overall trend is downward, and by 30 the average settles to a more consistent $247 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$327	$621	$7,450	–
17	$229	$391	$4,694	-37%
18	$270	$520	$6,244	33%
19	$222	$420	$5,034	-19%
20	$255	$535	$6,423	28%
21	$187	$354	$4,249	-34%
22	$173	$326	$3,909	-8%
23	$158	$308	$3,693	-6%
24	$148	$269	$3,233	-12%
25	$153	$279	$3,346	4%
26	$141	$250	$3,005	-10%
27	$139	$257	$3,083	3%
28	$132	$240	$2,878	-7%
29	$137	$254	$3,053	6%
30	$135	$247	$2,968	-3%
31	$120	$232	$2,788	-6%
32	$133	$246	$2,956	6%
33	$120	$222	$2,661	-10%
34	$126	$238	$2,858	7%
35	$125	$230	$2,759	-3%
36	$118	$215	$2,586	-6%
37	$120	$221	$2,649	2%
38	$119	$225	$2,702	2%
39	$117	$205	$2,456	-9%
40	$118	$209	$2,502	2%
41	$114	$209	$2,511	0%
42	$105	$194	$2,330	-7%
43	$111	$194	$2,327	-0%
44	$112	$196	$2,354	1%
45	$115	$207	$2,481	5%
46	$114	$217	$2,598	5%
47	$117	$205	$2,465	-5%
48	$110	$208	$2,494	1%
49	$110	$203	$2,431	-3%
50	$108	$198	$2,372	-2%
51	$102	$185	$2,219	-6%
52	$109	$211	$2,531	14%
53	$96	$173	$2,078	-18%
54	$103	$183	$2,193	6%
55	$109	$188	$2,255	3%
56	$89	$165	$1,985	-12%
57	$95	$169	$2,027	2%
58	$94	$175	$2,103	4%
59	$98	$176	$2,107	0%
60	$106	$187	$2,240	6%
61	$105	$181	$2,177	-3%
62	$95	$167	$2,001	-8%
63	$100	$185	$2,214	11%
64	$94	$168	$2,022	-9%
65	$90	$165	$1,980	-2%
66	$97	$179	$2,149	9%
67	$93	$172	$2,064	-4%
68	$90	$155	$1,861	-10%
69	$96	$177	$2,121	14%
70	$90	$165	$1,977	-7%
71	$109	$193	$2,312	17%
72	$92	$161	$1,928	-17%
73	$105	$185	$2,217	15%
74	$89	$145	$1,744	-21%
75	$91	$147	$1,769	1%

Last Updated April 3, 2026

Key takeaway: Missouri teen rates are volatile year to year but trend downward. By 30 the average is $247/mo. Kansas City and St. Louis drivers pay above the statewide average at every age.

Montana

Montana’s dataset starts at age 17, where the average is just $164 per month, one of the lowest starting points in the dataset. Rates do spike through the early 20s before settling into a consistent downward trend after 25.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

17	$101	$164	$1,968	–
18	$120	$206	$2,468	25%
19	$130	$261	$3,130	27%
20	$93	$214	$2,566	-18%
21	$95	$167	$2,006	-22%
22	$98	$203	$2,432	21%
23	$80	$161	$1,930	-21%
24	$76	$139	$1,667	-14%
25	$77	$150	$1,801	8%
26	$77	$162	$1,947	8%
27	$78	$141	$1,694	-13%
28	$78	$153	$1,839	9%
29	$70	$144	$1,724	-6%
30	$75	$151	$1,812	5%
31	$63	$123	$1,474	-19%
32	$74	$165	$1,981	34%
33	$72	$144	$1,726	-13%
34	$62	$122	$1,467	-15%
35	$75	$142	$1,701	16%
36	$69	$120	$1,445	-15%
37	$59	$130	$1,560	8%
38	$62	$112	$1,341	-14%
39	$63	$134	$1,613	20%
40	$60	$131	$1,570	-3%
41	$64	$136	$1,627	4%
42	$71	$132	$1,580	-3%
43	$67	$136	$1,627	3%
44	$62	$126	$1,508	-7%
45	$68	$118	$1,417	-6%
46	$62	$119	$1,430	1%
47	$63	$137	$1,642	15%
48	$66	$115	$1,380	-16%
49	$68	$126	$1,512	10%
50	$70	$137	$1,640	8%
51	$67	$131	$1,574	-4%
52	$74	$129	$1,542	-2%
53	$61	$126	$1,514	-2%
54	$59	$107	$1,289	-15%
55	$59	$113	$1,355	5%
56	$68	$119	$1,422	5%
57	$55	$90	$1,077	-24%
58	$68	$126	$1,506	40%
59	$61	$115	$1,376	-9%
60	$61	$108	$1,302	-5%
61	$60	$114	$1,365	5%
62	$56	$108	$1,298	-5%
63	$62	$106	$1,271	-2%
64	$55	$103	$1,238	-3%
65	$63	$112	$1,350	9%
66	$57	$114	$1,363	1%
67	$54	$103	$1,237	-9%
68	$74	$118	$1,419	15%
69	$50	$98	$1,178	-17%
70	$60	$112	$1,341	14%
71	$61	$101	$1,217	-9%
72	$51	$91	$1,097	-10%
73	$67	$109	$1,309	19%
74	$89	$192	$2,304	76%
75	$64	$116	$1,397	-39%
75	$91	$147	$1,769	1%

Last Updated April 3, 2026

Key takeaway: Montana is among the most affordable states in the country. The data starts at 17 ( $164/mo). After a spike in the early 20s, rates decline consistently, reaching around $116/mo by 75.

Nebraska

Nebraska rates are below the national average for most age groups; for instance, its 16-year-olds average $467 per month, and by 30, the average falls to $181 per month. Note that Nebraska’s data shows some age-to-age volatility in the 60s and 70s that may reflect smaller sample sizes at those ages.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$248	$467	$5,598	–
17	$242	$373	$4,479	-20%
18	$193	$386	$4,631	3%
19	$173	$318	$3,814	-18%
20	$181	$347	$4,162	9%
21	$153	$294	$3,522	-15%
22	$137	$246	$2,952	-16%
23	$117	$231	$2,769	-6%
24	$126	$249	$2,988	8%
25	$107	$232	$2,782	-7%
26	$109	$207	$2,487	-11%
27	$109	$218	$2,620	5%
28	$96	$202	$2,427	-7%
29	$108	$210	$2,522	4%
30	$90	$181	$2,175	-14%
31	$96	$197	$2,366	9%
32	$91	$181	$2,169	-8%
33	$98	$199	$2,388	10%
34	$97	$212	$2,548	7%
35	$87	$179	$2,143	-16%
36	$84	$171	$2,055	-4%
37	$91	$195	$2,339	14%
38	$90	$185	$2,220	-5%
39	$84	$165	$1,975	-11%
40	$85	$190	$2,280	15%
41	$83	$186	$2,232	-2%
42	$81	$157	$1,885	-16%
43	$85	$171	$2,052	9%
44	$84	$174	$2,084	2%
45	$82	$193	$2,320	11%
46	$84	$159	$1,909	-18%
47	$79	$164	$1,962	3%
48	$76	$178	$2,134	9%
49	$77	$164	$1,962	-8%
50	$89	$174	$2,089	6%
51	$71	$157	$1,887	-10%
52	$81	$162	$1,943	3%
53	$68	$133	$1,591	-18%
54	$80	$149	$1,785	12%
55	$71	$151	$1,813	2%
56	$72	$145	$1,742	-4%
57	$62	$118	$1,412	-19%
58	$81	$172	$2,067	46%
59	$72	$146	$1,749	-15%
60	$70	$136	$1,637	-6%
61	$62	$131	$1,568	-4%
62	$81	$147	$1,769	13%
63	$73	$141	$1,695	-4%
64	$68	$127	$1,523	-10%
65	$73	$152	$1,825	20%
66	$62	$121	$1,450	-21%
67	$123	$263	$3,161	118%
68	$79	$148	$1,772	-44%
69	$70	$129	$1,552	-12%
70	$71	$121	$1,454	-6%
71	$58	$118	$1,411	-3%
72	$63	$120	$1,441	2%
73	$88	$173	$2,082	44%
74	$117	$217	$2,603	25%
75	$79	$123	$1,471	-43%

Last Updated April 3, 2026

Key takeaway: Nebraska 16-year-olds average $467/mo, below average for teens. By 30, rates drop to $181/mo. Some volatility in older age groups may reflect smaller data samples.

Nevada

Nevada is one of the most expensive states for car insurance, particularly for teens. 16-year-olds average $985 per month, driven by Las Vegas-area traffic density, high theft rates and elevated claims costs. Rates decline with age but remain well above national averages throughout.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$599	$985	$11,817	–
17	$402	$744	$8,929	-24%
18	$414	$771	$9,247	4%
19	$468	$833	$9,990	8%
20	$398	$769	$9,229	-8%
21	$359	$667	$8,000	-13%
22	$306	$554	$6,651	-17%
23	$280	$532	$6,380	-4%
24	$254	$480	$5,754	-10%
25	$232	$449	$5,383	-6%
26	$223	$421	$5,050	-6%
27	$226	$423	$5,079	1%
28	$217	$416	$4,994	-2%
29	$231	$425	$5,104	2%
30	$216	$417	$5,003	-2%
31	$207	$396	$4,753	-5%
32	$208	$399	$4,790	1%
33	$202	$389	$4,665	-3%
34	$210	$392	$4,709	1%
35	$205	$379	$4,552	-3%
36	$201	$390	$4,677	3%
37	$198	$379	$4,543	-3%
38	$187	$353	$4,241	-7%
39	$191	$356	$4,274	1%
40	$189	$361	$4,326	1%
41	$188	$370	$4,435	2%
42	$180	$354	$4,253	-4%
43	$186	$359	$4,304	1%
44	$191	$354	$4,244	-1%
45	$188	$361	$4,337	2%
46	$172	$332	$3,984	-8%
47	$180	$356	$4,266	7%
48	$188	$363	$4,358	2%
49	$184	$347	$4,167	-4%
50	$178	$335	$4,016	-4%
51	$173	$333	$3,993	-1%
52	$178	$341	$4,091	2%
53	$172	$344	$4,132	1%
54	$174	$330	$3,963	-4%
55	$168	$319	$3,828	-3%
56	$164	$311	$3,729	-3%
57	$166	$314	$3,768	1%
58	$153	$292	$3,498	-7%
59	$153	$278	$3,341	-4%
60	$155	$289	$3,462	4%
61	$160	$291	$3,487	1%
62	$166	$304	$3,651	5%
63	$164	$303	$3,637	-0%
64	$148	$271	$3,251	-11%
65	$148	$283	$3,396	4%
66	$162	$295	$3,539	4%
67	$163	$298	$3,575	1%
68	$165	$312	$3,739	5%
69	$170	$324	$3,892	4%
70	$177	$325	$3,900	0%
71	$146	$272	$3,261	-16%
72	$171	$308	$3,699	13%
73	$171	$315	$3,785	2%
74	$167	$301	$3,606	-5%
75	$180	$339	$4,071	13%

Last Updated April 3, 2026

Key takeaway: Nevada 16-year-olds average over $985/mo, among the highest nationally. Las Vegas keeps rates elevated at every age. Even at 65, Nevada drivers average $283/mo.

New Hampshire

New Hampshire is the only state that does not require drivers to carry car insurance, though most still do, according to the Insurance Information Institute (III). New Hampshire’s 16-year-olds average $428 per month, below the national average for teens, and by 25 rates fall to just $137 per month, one of the sharpest drops in the dataset.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$214	$428	$5,139	–
17	$244	$390	$4,678	-9%
18	$185	$300	$3,595	-23%
19	$247	$377	$4,528	26%
20	$145	$251	$3,015	-33%
21	$108	$194	$2,326	-23%
22	$110	$187	$2,247	-3%
23	$75	$136	$1,637	-27%
24	$86	$145	$1,743	7%
25	$83	$137	$1,642	-6%
26	$75	$130	$1,561	-5%
27	$87	$129	$1,544	-1%
28	$76	$147	$1,759	14%
29	$60	$99	$1,185	-33%
30	$76	$128	$1,537	30%
31	$81	$123	$1,472	-4%
32	$63	$108	$1,302	-12%
33	$75	$133	$1,595	23%
34	$64	$108	$1,295	-19%
35	$73	$119	$1,425	10%
36	$53	$109	$1,311	-8%
37	$57	$102	$1,220	-7%
38	$62	$101	$1,210	-1%
39	$59	$99	$1,191	-2%
40	$61	$107	$1,279	7%
41	$58	$109	$1,311	2%
42	$61	$125	$1,502	15%
43	$57	$102	$1,227	-18%
44	$63	$100	$1,205	-2%
45	$56	$93	$1,113	-8%
46	$56	$97	$1,164	5%
47	$52	$84	$1,007	-13%
48	$62	$90	$1,081	7%
49	$71	$105	$1,259	16%
50	$51	$82	$983	-22%
51	$54	$99	$1,188	21%
52	$54	$90	$1,083	-9%
53	$51	$98	$1,178	9%
54	$54	$95	$1,141	-3%
55	$62	$112	$1,338	17%
56	$53	$73	$880	-34%
57	$56	$99	$1,185	35%
58	$48	$83	$990	-16%
59	$54	$80	$964	-3%
60	$50	$96	$1,152	19%
61	$57	$100	$1,202	4%
62	$49	$93	$1,118	-7%
63	$45	$84	$1,007	-10%
64	$60	$111	$1,327	32%
65	$47	$87	$1,040	-22%
66	$48	$76	$915	-12%
67	$56	$92	$1,105	21%
68	$49	$77	$928	-16%
69	$56	$90	$1,082	17%
70	$47	$82	$985	-9%
71	$45	$74	$888	-10%
72	$58	$92	$1,100	24%
73	$25	$39	$462	-58%
74	$50	$90	$1,074	132%
75	$59	$90	$1,076	0%

Last Updated April 3, 2026

Key takeaway: New Hampshire is the only state without a mandatory insurance requirement. Here, rates for 16-year-olds average $428/mo, and rates fall sharply to $137/mo by 25, one of the fastest declines nationally.

New Jersey

New Jersey is among the most expensive states in the country for car insurance. The dataset starts at age 17, where drivers average $973 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $238 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

17	$589	$973	$11,682	–
18	$580	$921	$11,054	-5%
19	$473	$783	$9,398	-15%
20	$384	$648	$7,780	-17%
21	$312	$518	$6,218	-20%
22	$269	$459	$5,507	-11%
23	$249	$416	$4,992	-9%
24	$243	$422	$5,066	1%
25	$213	$366	$4,395	-13%
26	$214	$361	$4,328	-2%
27	$206	$353	$4,241	-2%
28	$205	$346	$4,152	-2%
29	$210	$355	$4,256	3%
30	$191	$318	$3,817	-10%
31	$195	$332	$3,980	4%
32	$194	$323	$3,871	-3%
33	$187	$319	$3,829	-1%
34	$193	$314	$3,767	-2%
35	$181	$302	$3,629	-4%
36	$179	$301	$3,613	-0%
37	$175	$294	$3,533	-2%
38	$176	$294	$3,523	-0%
39	$187	$313	$3,754	7%
40	$181	$299	$3,590	-4%
41	$177	$295	$3,535	-2%
42	$173	$301	$3,611	2%
43	$172	$297	$3,560	-1%
44	$177	$292	$3,509	-1%
45	$167	$278	$3,339	-5%
46	$178	$300	$3,598	8%
47	$179	$303	$3,632	1%
48	$162	$276	$3,315	-9%
49	$190	$316	$3,789	14%
50	$180	$296	$3,552	-6%
51	$163	$275	$3,300	-7%
52	$171	$289	$3,473	5%
53	$157	$277	$3,324	-4%
54	$162	$270	$3,235	-3%
55	$159	$262	$3,140	-3%
56	$158	$272	$3,261	4%
57	$158	$276	$3,311	2%
58	$158	$264	$3,172	-4%
59	$147	$266	$3,188	1%
60	$156	$270	$3,244	2%
61	$152	$258	$3,097	-5%
62	$150	$254	$3,044	-2%
63	$141	$238	$2,861	-6%
64	$142	$246	$2,950	3%
65	$152	$238	$2,857	-3%
66	$159	$245	$2,938	3%
67	$147	$237	$2,843	-3%
68	$149	$241	$2,894	2%
69	$156	$245	$2,934	1%
70	$149	$234	$2,808	-4%
71	$147	$233	$2,799	-0%
72	$149	$237	$2,843	2%
73	$155	$239	$2,872	1%
74	$158	$250	$3,000	4%
75	$142	$228	$2,738	-9%
75	$59	$90	$1,076	0%

Last Updated April 3, 2026

Key takeaway: New Jersey 17-year-olds average $973 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $238/mo.

New Mexico

New Mexicorates are moderate and follow the national pattern closely. New Mexican 16-year-olds average $359 per month, and the biggest single-year drop comes at 21, when rates fall 16% to $234 per month. By 65, the average reaches $102 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$234	$359	$4,310	–
17	$225	$376	$4,516	5%
18	$151	$288	$3,452	-24%
19	$175	$362	$4,344	26%
20	$142	$279	$3,354	-23%
21	$135	$234	$2,807	-16%
22	$109	$206	$2,477	-12%
23	$100	$174	$2,082	-16%
24	$98	$180	$2,166	4%
25	$88	$159	$1,914	-12%
26	$87	$152	$1,828	-4%
27	$84	$158	$1,899	4%
28	$74	$142	$1,709	-10%
29	$75	$153	$1,835	7%
30	$81	$144	$1,728	-6%
31	$74	$128	$1,540	-11%
32	$73	$135	$1,624	5%
33	$72	$132	$1,589	-2%
34	$75	$134	$1,607	1%
35	$66	$116	$1,391	-13%
36	$69	$130	$1,564	12%
37	$73	$128	$1,542	-1%
38	$70	$127	$1,522	-1%
39	$68	$127	$1,526	0%
40	$68	$124	$1,492	-2%
41	$65	$126	$1,513	1%
42	$72	$125	$1,503	-1%
43	$73	$133	$1,601	7%
44	$75	$132	$1,581	-1%
45	$65	$123	$1,474	-7%
46	$66	$122	$1,466	-1%
47	$64	$115	$1,381	-6%
48	$69	$125	$1,501	9%
49	$64	$111	$1,336	-11%
50	$66	$119	$1,425	7%
51	$64	$122	$1,461	3%
52	$63	$121	$1,448	-1%
53	$69	$126	$1,511	4%
54	$61	$114	$1,370	-9%
55	$69	$121	$1,450	6%
56	$59	$112	$1,348	-7%
57	$67	$121	$1,452	8%
58	$57	$104	$1,244	-14%
59	$58	$107	$1,286	3%
60	$64	$114	$1,373	7%
61	$62	$113	$1,353	-1%
62	$61	$109	$1,311	-3%
63	$80	$138	$1,660	27%
64	$59	$100	$1,203	-28%
65	$62	$102	$1,220	1%
66	$66	$105	$1,259	3%
67	$65	$112	$1,343	7%
68	$61	$107	$1,289	-4%
69	$57	$107	$1,282	-1%
70	$45	$89	$1,068	-17%
71	$67	$117	$1,405	32%
72	$64	$113	$1,352	-4%
73	$70	$130	$1,562	16%
74	$60	$108	$1,302	-17%
75	$79	$156	$1,874	44%

Last Updated April 3, 2026

Key takeaway: New Mexico rates are near the national average. The steepest drop is at 21 ( 16%). By 65, the average falls to $102/mo, among the lower late-life rates in the dataset.

New York

New York has the highest car insurance rates by age of any state in Jerry’s dataset, and it isn’t close. The 16-year-olds in New York pay an average of $1,611 per month, more than three times the national average for that age. New York City’s extreme traffic density, mandatory no-fault PIP requirements and elevated liability costs drive premiums far above national norms. Even drivers with completely clean records pay well above what their peers pay in most other states.

Rates do fall with age, but they remain elevated throughout. By 25, the average is still $1,017 per month. By 30, it drops to $855 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $534 per month, and 75-year-olds average $443 per month, the highest rate for that age group in the entire dataset. Drivers in Albany and other upstate markets typically pay less than New York City, but the statewide average is heavily influenced by the metro area.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$395	$1,611	$19,333	–
17	$548	$1,276	$15,312	-21%
18	$537	$1,150	$13,799	-10%
19	$589	$1,265	$15,177	10%
20	$502	$1,078	$12,931	-15%
21	$543	$1,162	$13,943	8%
22	$444	$1,023	$12,280	-12%
23	$448	$1,019	$12,229	-0%
24	$434	$1,020	$12,240	0%
25	$432	$1,017	$12,206	-0%
26	$376	$909	$10,910	-11%
27	$374	$897	$10,762	-1%
28	$341	$867	$10,403	-3%
29	$346	$873	$10,479	1%
30	$343	$855	$10,264	-2%
31	$331	$836	$10,037	-2%
32	$331	$834	$10,012	-0%
33	$310	$813	$9,750	-3%
34	$328	$844	$10,130	4%
35	$311	$806	$9,669	-5%
36	$318	$808	$9,691	0%
37	$290	$754	$9,043	-7%
38	$306	$772	$9,263	2%
39	$281	$749	$8,992	-3%
40	$274	$732	$8,782	-2%
41	$275	$740	$8,880	1%
42	$279	$741	$8,897	0%
43	$275	$718	$8,616	-3%
44	$258	$717	$8,602	-0%
45	$253	$729	$8,752	2%
46	$259	$708	$8,492	-3%
47	$270	$733	$8,798	4%
48	$242	$692	$8,306	-6%
49	$252	$695	$8,335	0%
50	$266	$703	$8,434	1%
51	$240	$673	$8,070	-4%
52	$217	$658	$7,900	-2%
53	$217	$633	$7,597	-4%
54	$227	$651	$7,811	3%
55	$220	$632	$7,586	-3%
56	$191	$606	$7,274	-4%
57	$195	$589	$7,067	-3%
58	$212	$641	$7,689	9%
59	$215	$603	$7,234	-6%
60	$210	$595	$7,140	-1%
61	$198	$577	$6,920	-3%
62	$202	$575	$6,902	-0%
63	$199	$581	$6,972	1%
64	$216	$572	$6,866	-2%
65	$174	$534	$6,412	-7%
66	$190	$573	$6,881	7%
67	$166	$490	$5,878	-15%
68	$197	$550	$6,599	12%
69	$154	$478	$5,740	-13%
70	$191	$554	$6,652	16%
71	$173	$485	$5,822	-12%
72	$165	$453	$5,439	-7%
73	$185	$488	$5,854	8%
74	$192	$515	$6,182	6%
75	$168	$443	$5,311	-14%

Last Updated April 3, 2026

Key takeaway: New York has the highest rates in the dataset — for instance, New York’s 16-year-olds average $1,611/mo. Even 75-year-olds average $443/mo. Rates stay well above national averages at every age.

North Carolina

North Carolina operates a state-regulated insurance market where rates are influenced by the North Carolina Rate Bureau, which limits how much carriers can vary prices. North Carolinian 16-year-olds average $434 per month, below the national average, and the regulated market keeps rates more consistent across age groups than in open-competition states.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$299	$434	$5,207	–
17	$245	$364	$4,367	-16%
18	$188	$322	$3,862	-12%
19	$172	$300	$3,603	-7%
20	$136	$272	$3,260	-10%
21	$120	$236	$2,836	-13%
22	$115	$239	$2,863	1%
23	$101	$202	$2,427	-15%
24	$110	$230	$2,762	14%
25	$101	$209	$2,509	-9%
26	$94	$200	$2,406	-4%
27	$99	$195	$2,345	-3%
28	$94	$181	$2,177	-7%
29	$97	$195	$2,344	8%
30	$89	$178	$2,136	-9%
31	$90	$184	$2,212	4%
32	$86	$171	$2,053	-7%
33	$86	$165	$1,986	-3%
34	$86	$183	$2,198	11%
35	$81	$171	$2,051	-7%
36	$85	$181	$2,171	6%
37	$82	$164	$1,964	-10%
38	$79	$151	$1,817	-7%
39	$79	$157	$1,881	4%
40	$75	$159	$1,912	2%
41	$76	$150	$1,803	-6%
42	$75	$151	$1,810	0%
43	$72	$135	$1,615	-11%
44	$72	$131	$1,575	-2%
45	$67	$121	$1,454	-8%
46	$71	$136	$1,635	12%
47	$74	$140	$1,685	3%
48	$76	$143	$1,720	2%
49	$74	$132	$1,585	-8%
50	$74	$138	$1,660	5%
51	$71	$134	$1,613	-3%
52	$72	$135	$1,619	0%
53	$75	$145	$1,746	8%
54	$69	$121	$1,457	-17%
55	$70	$120	$1,439	-1%
56	$71	$121	$1,447	1%
57	$68	$120	$1,445	-0%
58	$69	$124	$1,493	3%
59	$70	$125	$1,500	0%
60	$69	$121	$1,454	-3%
61	$66	$114	$1,372	-6%
62	$72	$119	$1,423	4%
63	$67	$114	$1,374	-3%
64	$66	$110	$1,323	-4%
65	$66	$111	$1,338	1%
66	$63	$103	$1,240	-7%
67	$66	$113	$1,351	9%
68	$64	$104	$1,252	-7%
69	$65	$100	$1,202	-4%
70	$63	$104	$1,251	4%
71	$69	$115	$1,378	10%
72	$64	$105	$1,257	-9%
73	$67	$103	$1,237	-2%
74	$64	$107	$1,278	3%
75	$60	$96	$1,152	-10%

Last Updated April 3, 2026

Key takeaway: North Carolina’s regulated market keeps rates more predictable and below average. Here, rates for 16-year-olds average $434/mo. Rates decline to $96/mo by 75, one of the lower late-life averages in the South.

North Dakota

North Dakota is one of the most affordable states for car insurance in the country. The state’s 16-year-olds average $310 per month, well below the national teen average, and rates fall to just $93 per month by 65. Low population density and fewer accidents keep costs down statewide.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$255	$310	$3,723	–
17	$161	$200	$2,397	-36%
18	$172	$259	$3,107	30%
19	$148	$221	$2,648	-15%
20	$131	$203	$2,430	-8%
21	$149	$222	$2,664	10%
22	$109	$151	$1,812	-32%
23	$121	$170	$2,044	13%
24	$107	$154	$1,842	-10%
25	$105	$153	$1,832	-1%
26	$88	$130	$1,559	-15%
27	$94	$138	$1,660	6%
28	$92	$136	$1,634	-2%
29	$96	$130	$1,563	-4%
30	$93	$128	$1,535	-2%
31	$97	$142	$1,705	11%
32	$88	$130	$1,561	-8%
33	$83	$114	$1,367	-12%
34	$87	$125	$1,505	10%
35	$82	$118	$1,422	-6%
36	$86	$128	$1,531	8%
37	$83	$122	$1,459	-5%
38	$80	$115	$1,386	-5%
39	$83	$128	$1,536	11%
40	$80	$127	$1,529	-0%
41	$76	$106	$1,267	-17%
42	$78	$125	$1,502	19%
43	$82	$145	$1,746	16%
44	$83	$119	$1,424	-18%
45	$79	$124	$1,493	5%
46	$77	$105	$1,257	-16%
47	$79	$129	$1,552	24%
48	$72	$105	$1,261	-19%
49	$79	$111	$1,327	5%
50	$86	$117	$1,403	6%
51	$82	$114	$1,369	-2%
52	$73	$115	$1,383	1%
53	$71	$99	$1,190	-14%
54	$73	$101	$1,213	2%
55	$82	$116	$1,396	15%
56	$78	$106	$1,272	-9%
57	$92	$135	$1,621	27%
58	$66	$109	$1,306	-19%
59	$85	$124	$1,494	14%
60	$69	$106	$1,276	-15%
61	$65	$89	$1,068	-16%
62	$73	$105	$1,263	18%
63	$59	$85	$1,025	-19%
64	$72	$102	$1,229	20%
65	$68	$93	$1,122	-9%
66	$64	$92	$1,104	-2%
67	$59	$83	$994	-10%
68	$89	$120	$1,444	45%
70	$68	$91	$1,097	-24%
71	$64	$89	$1,071	-2%
72	$72	$124	$1,487	39%
73	$83	$118	$1,413	-5%
74	$72	$114	$1,372	-3%
75	$62	$97	$1,164	-15%
75	$60	$96	$1,152	-10%

Last Updated April 3, 2026

Key takeaway: North Dakota is among the cheapest states at every age; 16-year-olds average $310/mo and rates drop to $93/mo by 65. Low population density keeps costs well below national averages.

Ohio

Ohio is consistently one of the more affordable Midwestern states for car insurance. Ohio-based 16-year-olds average $334 per month, below the national teen average, and rates fall steadily to $127 per month by 65. Columbus and Cleveland drivers typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$194	$334	$4,010	–
17	$192	$341	$4,097	2%
18	$177	$324	$3,893	-5%
19	$160	$311	$3,731	-4%
20	$147	$285	$3,423	-8%
21	$126	$249	$2,984	-13%
22	$121	$230	$2,758	-8%
23	$108	$201	$2,412	-13%
24	$106	$189	$2,263	-6%
25	$99	$191	$2,291	1%
26	$97	$186	$2,227	-3%
27	$96	$183	$2,200	-1%
28	$88	$163	$1,953	-11%
29	$86	$161	$1,936	-1%
30	$82	$164	$1,964	1%
31	$85	$163	$1,961	-0%
32	$82	$162	$1,949	-1%
33	$80	$151	$1,808	-7%
34	$81	$154	$1,846	2%
35	$83	$160	$1,915	4%
36	$81	$152	$1,821	-5%
37	$78	$150	$1,800	-1%
38	$81	$152	$1,818	1%
39	$76	$148	$1,773	-3%
40	$76	$140	$1,679	-5%
41	$74	$144	$1,731	3%
42	$78	$151	$1,810	5%
43	$75	$139	$1,663	-8%
44	$71	$133	$1,595	-4%
45	$74	$142	$1,701	7%
46	$74	$147	$1,763	4%
47	$73	$140	$1,680	-5%
48	$72	$132	$1,578	-6%
49	$73	$140	$1,676	6%
50	$75	$142	$1,706	2%
51	$71	$129	$1,551	-9%
52	$66	$125	$1,495	-4%
53	$70	$130	$1,560	4%
54	$72	$130	$1,557	-0%
55	$71	$139	$1,674	8%
56	$71	$131	$1,575	-6%
57	$70	$137	$1,649	5%
58	$71	$131	$1,577	-4%
59	$71	$133	$1,598	1%
60	$69	$129	$1,552	-3%
61	$67	$126	$1,509	-3%
62	$67	$128	$1,534	2%
63	$67	$128	$1,534	0%
64	$69	$132	$1,581	3%
65	$67	$127	$1,529	-3%
66	$66	$123	$1,479	-3%
67	$64	$121	$1,450	-2%
68	$72	$141	$1,687	16%
69	$67	$129	$1,547	-8%
70	$68	$126	$1,509	-2%
71	$67	$125	$1,501	-1%
72	$74	$135	$1,617	8%
73	$70	$136	$1,636	1%
74	$65	$126	$1,507	-8%
75	$76	$144	$1,734	15%

Last Updated April 3, 2026

Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $334/mo and rates decline to $127/mo by 65. Urban drivers in Columbus and Cleveland pay above the statewide average.

Oklahoma

Oklahoma rates are close to the national average, but the data shows an unusual spike from age 18 to 19, where rates jump 17% to $405 per month before falling again. Here, rates for 16-year-olds start at $316 per month, slightly below the national average for teens

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$206	$316	$3,791	–
17	$171	$304	$3,649	-4%
18	$184	$346	$4,153	14%
19	$196	$405	$4,862	17%
20	$177	$366	$4,392	-10%
21	$161	$336	$4,033	-8%
22	$129	$272	$3,260	-19%
23	$127	$269	$3,230	-1%
24	$121	$253	$3,033	-6%
25	$113	$229	$2,746	-9%
26	$106	$224	$2,685	-2%
27	$106	$220	$2,644	-2%
28	$100	$210	$2,515	-5%
29	$96	$203	$2,437	-3%
30	$94	$198	$2,376	-2%
31	$95	$206	$2,478	4%
32	$95	$210	$2,518	2%
33	$89	$194	$2,326	-8%
34	$98	$218	$2,614	12%
35	$93	$221	$2,646	1%
36	$94	$202	$2,422	-8%
37	$90	$194	$2,329	-4%
38	$88	$192	$2,310	-1%
39	$88	$196	$2,347	2%
40	$88	$200	$2,402	2%
41	$86	$191	$2,292	-5%
42	$93	$197	$2,360	3%
43	$83	$185	$2,224	-6%
44	$86	$188	$2,262	2%
45	$80	$182	$2,181	-4%
46	$88	$196	$2,354	8%
47	$88	$198	$2,376	1%
48	$87	$199	$2,383	0%
49	$80	$171	$2,054	-14%
50	$82	$184	$2,213	8%
51	$84	$188	$2,254	2%
52	$78	$174	$2,088	-7%
53	$78	$168	$2,015	-4%
54	$80	$176	$2,106	5%
55	$76	$161	$1,926	-9%
56	$78	$167	$2,001	4%
57	$73	$150	$1,805	-10%
58	$81	$169	$2,030	12%
59	$74	$150	$1,804	-11%
60	$77	$168	$2,012	12%
61	$73	$155	$1,863	-7%
62	$77	$160	$1,925	3%
63	$76	$155	$1,864	-3%
64	$73	$147	$1,759	-6%
65	$72	$152	$1,829	4%
66	$76	$150	$1,805	-1%
67	$74	$151	$1,810	0%
68	$72	$158	$1,899	5%
69	$69	$131	$1,572	-17%
70	$64	$134	$1,604	2%
71	$76	$166	$1,986	24%
72	$81	$167	$2,004	1%
73	$72	$146	$1,750	-13%
74	$74	$140	$1,679	-4%
75	$75	$142	$1,701	1%

Last Updated April 3, 2026

Key takeaway: Oklahoma rates are near the national average. A 20% spike at age 19 is worth noting for families with teen drivers. By 65, rates reach $161/mo, near the national norm.

Oregon

Oregonrates are moderate and decline steadily with age. Oregon’s 16-year-olds average $443 per month, close to the national average for teens, and by 30 the average drops to $198 per month. Portland-area drivers pay above the statewide average at most ages.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$284	$443	$5,319	–
17	$237	$379	$4,550	-14%
18	$226	$376	$4,512	-1%
19	$227	$400	$4,806	7%
20	$191	$321	$3,846	-20%
21	$174	$293	$3,513	-9%
22	$166	$308	$3,696	5%
23	$150	$250	$2,997	-19%
24	$163	$265	$3,178	6%
25	$130	$216	$2,591	-18%
26	$136	$227	$2,718	5%
27	$134	$218	$2,621	-4%
28	$129	$206	$2,472	-6%
29	$131	$217	$2,599	5%
30	$119	$198	$2,371	-9%
31	$115	$184	$2,205	-7%
32	$117	$187	$2,250	2%
33	$115	$186	$2,235	-1%
34	$112	$179	$2,153	-4%
35	$108	$165	$1,984	-8%
36	$112	$176	$2,117	7%
37	$110	$174	$2,087	-1%
38	$107	$172	$2,062	-1%
39	$113	$181	$2,177	6%
40	$106	$171	$2,051	-6%
41	$110	$175	$2,095	2%
42	$105	$165	$1,981	-5%
43	$105	$169	$2,032	3%
44	$102	$160	$1,920	-6%
45	$101	$167	$2,001	4%
46	$99	$159	$1,908	-5%
47	$102	$165	$1,976	4%
48	$104	$160	$1,918	-3%
49	$103	$167	$2,004	4%
50	$97	$157	$1,887	-6%
51	$101	$163	$1,954	4%
52	$99	$155	$1,865	-5%
53	$105	$165	$1,977	6%
54	$92	$142	$1,710	-14%
55	$94	$158	$1,901	11%
56	$97	$156	$1,867	-2%
57	$88	$138	$1,659	-11%
58	$103	$156	$1,873	13%
59	$98	$154	$1,847	-1%
60	$100	$152	$1,820	-1%
61	$97	$161	$1,934	6%
62	$93	$151	$1,811	-6%
63	$86	$142	$1,699	-6%
64	$86	$136	$1,633	-4%
65	$84	$145	$1,744	7%
66	$80	$129	$1,543	-12%
67	$84	$137	$1,640	6%
68	$89	$142	$1,704	4%
69	$79	$131	$1,575	-8%
70	$92	$155	$1,857	18%
71	$84	$148	$1,777	-4%
72	$84	$137	$1,646	-7%
73	$82	$149	$1,793	9%
74	$87	$142	$1,699	-5%
75	$83	$146	$1,750	3%

Last Updated April 3, 2026

Key takeaway: Oregon rates are moderate and track near the national average; its 16-year-olds average $443/mo. By 30, rates fall to $198/mo. Portland-area drivers pay above the statewide average.

Pennsylvania

Pennsylvania teen rates spike sharply through the late teens, with 18-year-olds averaging $507, a 18% increase from age 17. Pennsylvania is a choice no-fault state where drivers can choose between full tort and limited tort, which affects both your coverage and your rate.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$180	$317	$3,808	–
17	$185	$432	$5,180	36%
18	$199	$507	$6,090	18%
19	$194	$461	$5,535	-9%
20	$179	$425	$5,095	-8%
21	$161	$374	$4,485	-12%
22	$145	$321	$3,851	-14%
23	$140	$298	$3,580	-7%
24	$134	$295	$3,545	-1%
25	$131	$280	$3,362	-5%
26	$128	$276	$3,311	-1%
27	$128	$268	$3,219	-3%
28	$122	$259	$3,108	-3%
29	$128	$289	$3,471	12%
30	$118	$258	$3,095	-11%
31	$116	$258	$3,101	0%
32	$118	$262	$3,149	2%
33	$117	$254	$3,043	-3%
34	$115	$248	$2,974	-2%
35	$114	$248	$2,979	0%
36	$114	$241	$2,895	-3%
37	$108	$240	$2,884	-0%
38	$105	$216	$2,596	-10%
39	$107	$215	$2,585	-0%
40	$115	$235	$2,824	9%
41	$106	$226	$2,711	-4%
42	$106	$218	$2,614	-4%
43	$102	$219	$2,630	1%
44	$105	$224	$2,688	2%
45	$106	$208	$2,500	-7%
46	$100	$202	$2,420	-3%
47	$99	$206	$2,473	2%
48	$109	$221	$2,650	7%
49	$94	$194	$2,328	-12%
50	$98	$203	$2,437	5%
51	$95	$190	$2,282	-6%
52	$98	$202	$2,429	6%
53	$93	$180	$2,156	-11%
54	$96	$195	$2,341	9%
55	$89	$185	$2,224	-5%
56	$95	$184	$2,214	-0%
57	$96	$188	$2,251	2%
58	$94	$197	$2,366	5%
59	$92	$187	$2,248	-5%
60	$87	$177	$2,121	-6%
61	$84	$167	$2,000	-6%
62	$86	$173	$2,076	4%
63	$89	$182	$2,179	5%
64	$95	$183	$2,191	1%
65	$79	$173	$2,073	-5%
66	$79	$164	$1,964	-5%
67	$89	$185	$2,220	13%
68	$82	$167	$2,000	-10%
69	$80	$159	$1,912	-4%
70	$105	$198	$2,380	24%
71	$89	$190	$2,286	-4%
72	$86	$185	$2,223	-3%
73	$86	$175	$2,104	-5%
74	$85	$184	$2,212	5%
75	$91	$182	$2,187	-1%

Last Updated April 3, 2026

Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $173/mo, near the national average for that age group.

Rhode Island

Rhode Island has one of the most dramatic age-17 spikes in the dataset. Rates jump 91% from age 16 to 17, rising from $562 per month to $1,071 per month, the largest single-year increase of any state. Rates fall steeply after that but remain elevated throughout adulthood.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$473	$562	$6,738	–
17	$891	$1,071	$12,853	91%
18	$584	$870	$10,439	-19%
19	$446	$691	$8,288	-21%
20	$315	$496	$5,947	-28%
21	$287	$445	$5,337	-10%
22	$236	$408	$4,890	-8%
23	$239	$424	$5,086	4%
24	$194	$339	$4,071	-20%
25	$196	$339	$4,073	0%
26	$186	$308	$3,694	-9%
27	$164	$304	$3,643	-1%
28	$176	$326	$3,909	7%
29	$188	$327	$3,920	0%
30	$141	$241	$2,892	-26%
31	$136	$339	$4,070	41%
32	$145	$271	$3,250	-20%
33	$141	$257	$3,084	-5%
34	$146	$242	$2,900	-6%
35	$174	$321	$3,853	33%
36	$129	$220	$2,645	-31%
37	$114	$214	$2,571	-3%
38	$139	$280	$3,365	31%
39	$130	$222	$2,669	-21%
40	$150	$246	$2,947	10%
41	$132	$233	$2,799	-5%
42	$114	$194	$2,332	-17%
43	$122	$218	$2,620	12%
44	$106	$193	$2,315	-12%
45	$121	$222	$2,665	15%
46	$122	$210	$2,515	-6%
47	$138	$217	$2,604	4%
48	$124	$216	$2,591	-0%
49	$126	$224	$2,684	4%
50	$151	$287	$3,448	28%
51	$126	$220	$2,638	-24%
52	$106	$173	$2,071	-21%
53	$96	$160	$1,917	-7%
54	$122	$216	$2,589	35%
55	$108	$178	$2,138	-17%
56	$117	$206	$2,469	16%
57	$115	$186	$2,232	-10%
58	$114	$203	$2,441	9%
59	$99	$171	$2,054	-16%
60	$110	$192	$2,301	12%
61	$98	$168	$2,020	-12%
62	$100	$160	$1,915	-5%
63	$102	$172	$2,065	8%
64	$102	$175	$2,101	2%
65	$115	$188	$2,253	7%
66	$113	$182	$2,180	-3%
67	$87	$162	$1,941	-11%
68	$119	$191	$2,291	18%
69	$108	$179	$2,152	-6%
70	$101	$157	$1,888	-12%
71	$102	$176	$2,115	12%
72	$114	$176	$2,115	-0%
73	$89	$136	$1,636	-23%
74	$119	$180	$2,161	32%
75	$107	$154	$1,853	-14%

Last Updated April 3, 2026

Key takeaway: Rhode Island 17-year-olds average $1,071/mo after a 91% spike from age 16, the largest year-over-year jump in the dataset. Rates fall sharply after that but stay above average statewide.

South Carolina

South Carolina rates are above the national average for most age groups, driven in part by a relatively high uninsured driver rate that raises costs for all drivers. South Carolina-based 16-year-olds average $548 per month, and rates remain elevated through middle age, averaging $203 per month at 65.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$273	$548	$6,577	–
17	$444	$650	$7,803	19%
18	$367	$557	$6,688	-14%
19	$330	$540	$6,486	-3%
20	$292	$486	$5,834	-10%
21	$257	$443	$5,316	-9%
22	$229	$384	$4,609	-13%
23	$207	$348	$4,178	-9%
24	$196	$342	$4,106	-2%
25	$180	$316	$3,789	-8%
26	$176	$303	$3,638	-4%
27	$173	$294	$3,530	-3%
28	$167	$281	$3,375	-4%
29	$165	$279	$3,343	-1%
30	$157	$263	$3,151	-6%
31	$150	$264	$3,163	0%
32	$151	$258	$3,092	-2%
33	$150	$253	$3,031	-2%
34	$151	$258	$3,096	2%
35	$148	$248	$2,972	-4%
36	$150	$248	$2,981	0%
37	$143	$243	$2,913	-2%
38	$139	$236	$2,834	-3%
39	$144	$243	$2,921	3%
40	$144	$243	$2,917	-0%
41	$136	$228	$2,737	-6%
42	$137	$236	$2,832	3%
43	$135	$229	$2,752	-3%
44	$135	$228	$2,739	-0%
45	$137	$229	$2,752	0%
46	$135	$223	$2,679	-3%
47	$129	$218	$2,611	-3%
48	$139	$239	$2,870	10%
49	$129	$222	$2,665	-7%
50	$137	$227	$2,725	2%
51	$131	$224	$2,686	-1%
52	$132	$219	$2,622	-2%
53	$124	$209	$2,503	-5%
54	$123	$209	$2,504	0%
55	$128	$213	$2,557	2%
56	$124	$210	$2,521	-1%
57	$123	$203	$2,441	-3%
58	$125	$206	$2,468	1%
59	$118	$197	$2,369	-4%
60	$118	$194	$2,327	-2%
61	$122	$207	$2,483	7%
62	$119	$196	$2,357	-5%
63	$118	$199	$2,389	1%
64	$118	$197	$2,363	-1%
65	$123	$203	$2,434	3%
66	$118	$202	$2,421	-1%
67	$116	$202	$2,422	0%
68	$116	$198	$2,381	-2%
69	$120	$215	$2,582	8%
70	$125	$208	$2,490	-4%
71	$107	$188	$2,262	-9%
72	$111	$193	$2,319	3%
73	$118	$195	$2,337	1%
74	$113	$194	$2,325	-1%
75	$134	$215	$2,576	11%

Last Updated April 3, 2026

Key takeaway: South Carolina rates are above average statewide. South Carolina’s 16-year-olds average $548/mo. A high uninsured driver rate adds cost for all drivers, and rates stay above average into the mid-60s.

South Dakota

South Dakota’s dataset starts at age 18, where the average is $557 per month, one of the lowest teen starting points in the country. Rates fall steadily through the 20s and continue declining into the 60s, where they reach some of the lowest late-life averages in the Midwest.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

18	$167	$257	$3,086	–
19	$129	$284	$3,407	10%
20	$110	$225	$2,701	-21%
21	$99	$256	$3,077	14%
22	$76	$175	$2,100	-32%
23	$87	$211	$2,534	21%
24	$69	$187	$2,246	-11%
25	$73	$137	$1,647	-27%
26	$76	$161	$1,932	17%
27	$85	$207	$2,480	28%
28	$70	$199	$2,384	-4%
29	$76	$156	$1,875	-21%
30	$67	$131	$1,574	-16%
31	$65	$155	$1,855	18%
32	$76	$152	$1,823	-2%
33	$65	$142	$1,707	-6%
34	$71	$132	$1,589	-7%
35	$67	$139	$1,670	5%
36	$57	$124	$1,483	-11%
37	$66	$140	$1,677	13%
38	$66	$165	$1,975	18%
39	$61	$124	$1,489	-25%
40	$70	$133	$1,597	7%
41	$72	$146	$1,755	10%
42	$63	$137	$1,639	-7%
43	$64	$132	$1,583	-3%
44	$63	$132	$1,587	0%
45	$53	$121	$1,451	-9%
46	$67	$138	$1,654	14%
47	$64	$163	$1,956	18%
48	$55	$119	$1,425	-27%
49	$57	$144	$1,729	21%
50	$61	$123	$1,476	-15%
51	$57	$110	$1,319	-11%
52	$56	$119	$1,425	8%
53	$50	$112	$1,346	-6%
54	$57	$120	$1,441	7%
55	$56	$113	$1,360	-6%
56	$47	$112	$1,345	-1%
57	$50	$135	$1,624	21%
58	$58	$104	$1,244	-23%
59	$47	$107	$1,287	3%
60	$49	$91	$1,096	-15%
61	$43	$86	$1,035	-6%
62	$52	$99	$1,189	15%
63	$41	$84	$1,004	-16%
64	$49	$93	$1,121	12%
65	$52	$90	$1,076	-4%
66	$71	$147	$1,766	64%
67	$49	$91	$1,096	-38%
68	$39	$58	$690	-37%
69	$58	$124	$1,491	116%
70	$39	$83	$995	-33%
71	$38	$111	$1,333	34%
72	$51	$108	$1,293	-3%
73	$61	$77	$919	-29%
74	$60	$116	$1,394	52%
75	$48	$104	$1,253	-10%
74	$113	$194	$2,325	-1%
75	$134	$215	$2,576	11%

Last Updated April 3, 2026

Key takeaway: South Dakota is among the most affordable states at every age. The data starts at 18 ( $225/mo). Rates fall consistently, reaching $90/mo by 65, well below the national average.

Tennessee

Tennessee rates are slightly below the national average for most age groups. Tennessee’s 16-year-olds average $378 per month, and the biggest single-year drop comes at age 20, when rates fall 21% to $272 per month. Nashville and Memphis drivers typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$204	$378	$4,538	–
17	$184	$345	$4,138	-9%
18	$182	$354	$4,253	3%
19	$173	$343	$4,112	-3%
20	$144	$272	$3,259	-21%
21	$129	$253	$3,031	-7%
22	$119	$248	$2,971	-2%
23	$109	$216	$2,588	-13%
24	$106	$211	$2,532	-2%
25	$105	$203	$2,439	-4%
26	$102	$205	$2,458	1%
27	$100	$196	$2,357	-4%
28	$94	$184	$2,213	-6%
29	$88	$177	$2,127	-4%
30	$90	$176	$2,108	-1%
31	$91	$170	$2,039	-3%
32	$88	$171	$2,053	1%
33	$85	$166	$1,991	-3%
34	$88	$163	$1,959	-2%
35	$84	$163	$1,957	-0%
36	$82	$153	$1,833	-6%
37	$84	$164	$1,965	7%
38	$83	$154	$1,851	-6%
39	$77	$143	$1,721	-7%
40	$74	$143	$1,717	-0%
41	$76	$149	$1,783	4%
42	$78	$149	$1,791	0%
43	$76	$145	$1,744	-3%
44	$77	$144	$1,726	-1%
45	$71	$145	$1,738	1%
46	$67	$126	$1,506	-13%
47	$74	$138	$1,657	10%
48	$74	$139	$1,670	1%
49	$68	$134	$1,608	-4%
50	$69	$132	$1,589	-1%
51	$71	$141	$1,693	7%
52	$70	$143	$1,720	2%
53	$71	$133	$1,591	-8%
54	$68	$129	$1,546	-3%
55	$67	$135	$1,622	5%
56	$73	$138	$1,660	2%
57	$65	$128	$1,541	-7%
58	$62	$119	$1,429	-7%
59	$70	$133	$1,591	11%
60	$71	$135	$1,622	2%
61	$65	$124	$1,483	-9%
62	$73	$141	$1,692	14%
63	$68	$124	$1,489	-12%
64	$67	$128	$1,535	3%
65	$67	$121	$1,446	-6%
66	$65	$122	$1,465	1%
67	$68	$132	$1,586	8%
68	$69	$142	$1,706	8%
69	$67	$133	$1,591	-7%
70	$66	$125	$1,503	-6%
71	$63	$118	$1,413	-6%
72	$68	$139	$1,672	18%
73	$74	$141	$1,695	1%
74	$69	$123	$1,475	-13%
75	$75	$135	$1,622	10%

Last Updated April 3, 2026

Key takeaway: Tennessee rates are slightly below average statewide. The state’s 16-year-olds average $378/mo with the steepest drop at 20 ( 21%). Urban drivers in Nashville and Memphis pay above the statewide average.

Texas

Texas is a large state with wide variation between urban and rural markets, and that spread shows up in the data at every age. Here, rates for 16-year-olds average $665 per month, about 26% above the national average for that age group. Drivers in Houston, Dallas and San Antonio typically pay more than the statewide average, while rural West Texas drivers tend to pay less.

Rates decline consistently year over year. The biggest single-year drops come between ages 20 and 25, where the average falls from $477 per month at 20 down to $289 per month at 25, a 40% drop in five years. After 30, the pace of savings slows, but rates keep falling steadily through the mid-60s. By 65, the average reaches $184 per month. Texas rates stay relatively stable for older drivers, with 75-year-olds averaging $197 per month, close to the national average for that age.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$343	$665	$7,979	–
17	$332	$605	$7,264	-9%
18	$327	$599	$7,190	-1%
19	$293	$545	$6,538	-9%
20	$257	$477	$5,725	-12%
21	$219	$409	$4,904	-14%
22	$203	$366	$4,392	-10%
23	$181	$327	$3,919	-11%
24	$175	$310	$3,715	-5%
25	$162	$289	$3,470	-7%
26	$161	$284	$3,408	-2%
27	$152	$274	$3,291	-3%
28	$150	$268	$3,215	-2%
29	$144	$256	$3,069	-5%
30	$141	$250	$3,005	-2%
31	$137	$244	$2,922	-3%
32	$139	$244	$2,931	0%
33	$136	$238	$2,853	-3%
34	$135	$236	$2,828	-1%
35	$134	$234	$2,804	-1%
36	$130	$228	$2,741	-2%
37	$130	$224	$2,693	-2%
38	$125	$222	$2,668	-1%
39	$125	$220	$2,642	-1%
40	$126	$220	$2,643	0%
41	$124	$213	$2,554	-3%
42	$121	$218	$2,620	3%
43	$122	$212	$2,544	-3%
44	$121	$214	$2,568	1%
45	$124	$216	$2,588	1%
46	$120	$210	$2,522	-3%
47	$121	$212	$2,546	1%
48	$120	$213	$2,551	0%
49	$121	$214	$2,573	1%
50	$117	$214	$2,565	-0%
51	$116	$203	$2,436	-5%
52	$115	$204	$2,444	0%
53	$118	$204	$2,444	-0%
54	$116	$204	$2,447	0%
55	$115	$200	$2,397	-2%
56	$112	$193	$2,315	-3%
57	$110	$189	$2,267	-2%
58	$111	$191	$2,296	1%
59	$108	$183	$2,197	-4%
60	$109	$186	$2,233	2%
61	$111	$190	$2,279	2%
62	$112	$191	$2,292	1%
63	$111	$188	$2,259	-1%
64	$110	$186	$2,227	-1%
65	$109	$184	$2,208	-1%
66	$113	$186	$2,228	1%
67	$111	$184	$2,214	-1%
68	$116	$191	$2,290	3%
69	$114	$190	$2,279	-0%
70	$118	$199	$2,383	5%
71	$119	$199	$2,387	0%
72	$125	$206	$2,469	3%
73	$122	$200	$2,397	-3%
74	$125	$207	$2,480	3%
75	$122	$197	$2,363	-5%

Last Updated April 3, 2026

Key takeaway: Texas 16-year-olds average $665/mo, about 26% above the national average. By 65, the average is $184/mo.

Utah

Utah requires personal injury protection coverage for all drivers, adding to base premiums statewide. The state’s 16-year-olds average $448 per month, and rates fall steadily through the 20s, reaching $301 per month by 30. Salt Lake City-area drivers tend to pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$256	$448	$5,380	–
17	$256	$425	$5,104	-5%
18	$259	$453	$5,435	6%
19	$206	$346	$4,154	-24%
20	$191	$301	$3,612	-13%
21	$156	$248	$2,976	-18%
22	$136	$212	$2,541	-15%
23	$124	$197	$2,359	-7%
24	$127	$196	$2,350	-0%
25	$117	$186	$2,230	-5%
26	$119	$182	$2,181	-2%
27	$110	$172	$2,059	-6%
28	$116	$184	$2,210	7%
29	$103	$158	$1,899	-14%
30	$107	$168	$2,019	6%
31	$112	$171	$2,058	2%
32	$107	$162	$1,949	-5%
33	$99	$152	$1,826	-6%
34	$104	$156	$1,869	2%
35	$102	$157	$1,881	1%
36	$99	$156	$1,877	-0%
37	$94	$148	$1,771	-6%
38	$98	$155	$1,856	5%
39	$92	$141	$1,689	-9%
40	$98	$156	$1,871	11%
41	$96	$143	$1,714	-8%
42	$102	$156	$1,872	9%
43	$90	$140	$1,675	-11%
44	$94	$145	$1,738	4%
45	$93	$148	$1,781	2%
46	$98	$155	$1,854	4%
47	$96	$147	$1,759	-5%
48	$92	$142	$1,699	-3%
49	$100	$152	$1,821	7%
50	$88	$147	$1,766	-3%
51	$90	$138	$1,650	-7%
52	$92	$145	$1,740	5%
53	$85	$132	$1,588	-9%
54	$92	$136	$1,631	3%
55	$88	$135	$1,624	-0%
56	$88	$142	$1,702	5%
57	$93	$145	$1,743	2%
58	$100	$151	$1,817	4%
59	$94	$141	$1,696	-7%
60	$90	$134	$1,606	-5%
61	$93	$137	$1,649	3%
62	$97	$147	$1,759	7%
63	$94	$135	$1,626	-8%
64	$84	$120	$1,444	-11%
65	$90	$139	$1,666	15%
66	$96	$146	$1,757	5%
67	$87	$124	$1,482	-16%
68	$85	$126	$1,509	2%
69	$86	$128	$1,533	2%
70	$96	$152	$1,826	19%
71	$84	$156	$1,874	3%
72	$80	$123	$1,472	-21%
73	$84	$125	$1,497	2%
74	$94	$138	$1,655	11%
75	$84	$130	$1,562	-6%

Last Updated April 3, 2026

Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $448/mo and rates drop to $168/mo by 30. Salt Lake City-area drivers pay above the statewide average.

Vermont

Vermont has some of the lowest rates in the Northeast for most age groups, though significant year-to-year volatility in Jerry’s data likely reflects smaller sample sizes in this less-populated state. Teen rates average $492 per month at 16 but drop sharply to $300 per month at 17, the opposite of the national pattern. Rates fluctuate through the early 20s but trend steadily downward. By 65, the average reaches just $67 per month, one of the lowest late-life figures in the entire dataset.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$416	$492	$5,904	–
17	$213	$300	$3,604	-39%
18	$168	$321	$3,852	7%
19	$208	$354	$4,244	10%
20	$104	$194	$2,325	-45%
21	$89	$173	$2,076	-11%
22	$86	$136	$1,628	-22%
23	$74	$120	$1,440	-12%
24	$81	$129	$1,546	7%
25	$84	$142	$1,700	10%
26	$60	$128	$1,537	-10%
27	$61	$101	$1,213	-21%
28	$66	$105	$1,257	4%
29	$80	$141	$1,688	34%
30	$57	$106	$1,273	-25%
31	$57	$95	$1,139	-10%
32	$66	$113	$1,355	19%
33	$56	$110	$1,318	-3%
34	$47	$84	$1,012	-23%
35	$56	$99	$1,183	17%
36	$76	$120	$1,442	22%
37	$63	$110	$1,320	-8%
38	$61	$92	$1,098	-17%
39	$55	$108	$1,293	18%
40	$73	$105	$1,264	-2%
41	$64	$108	$1,295	2%
42	$67	$136	$1,627	26%
43	$68	$104	$1,251	-23%
44	$65	$91	$1,094	-13%
45	$51	$89	$1,071	-2%
46	$62	$95	$1,144	7%
47	$61	$103	$1,232	8%
48	$50	$83	$1,000	-19%
49	$61	$96	$1,155	16%
50	$46	$96	$1,148	-1%
51	$43	$76	$913	-20%
52	$66	$105	$1,255	37%
53	$43	$84	$1,008	-20%
54	$48	$85	$1,025	2%
55	$44	$72	$863	-16%
56	$42	$73	$871	1%
57	$50	$70	$846	-3%
58	$59	$80	$963	14%
59	$62	$95	$1,142	19%
60	$40	$75	$896	-22%
61	$41	$64	$768	-14%
62	$41	$59	$703	-8%
63	$45	$87	$1,043	48%
64	$59	$92	$1,099	5%
65	$38	$67	$807	-27%
66	$37	$59	$706	-13%
67	$47	$80	$965	37%
68	$48	$87	$1,047	8%
69	$51	$88	$1,056	1%
70	$42	$77	$927	-12%
71	$44	$61	$731	-21%
72	$54	$81	$972	33%
73	$39	$94	$1,131	16%
74	$74	$83	$1,001	-12%
75	$43	$97	$1,164	16%

Last Updated April 3, 2026

Key takeaway: Vermont rates drop unusually at 17, contrasting the national pattern. By 65, the average is just $67/mo, one of the lowest in Jerry’s dataset. Year-to-year volatility may reflect smaller data samples.

Virginia

Virginia rates average $533 per month at 16, above the national average for that age, and decline steadily through the mid-60s. By 65, the average reaches $181 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $212 per month by 75. Drivers in Richmond and Virginia Beach typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$264	$533	$6,395	–
17	$279	$462	$5,546	-13%
18	$295	$485	$5,823	5%
19	$305	$519	$6,223	7%
20	$263	$443	$5,310	-15%
21	$235	$398	$4,771	-10%
22	$207	$352	$4,227	-11%
23	$185	$320	$3,835	-9%
24	$185	$314	$3,771	-2%
25	$172	$288	$3,456	-8%
26	$160	$279	$3,344	-3%
27	$156	$264	$3,168	-5%
28	$158	$262	$3,149	-1%
29	$143	$244	$2,923	-7%
30	$140	$240	$2,874	-2%
31	$136	$233	$2,796	-3%
32	$138	$239	$2,869	3%
33	$136	$228	$2,737	-5%
34	$132	$229	$2,751	1%
35	$133	$229	$2,743	-0%
36	$122	$211	$2,532	-8%
37	$127	$217	$2,602	3%
38	$127	$213	$2,557	-2%
39	$127	$217	$2,606	2%
40	$127	$227	$2,721	4%
41	$129	$219	$2,624	-4%
42	$118	$206	$2,469	-6%
43	$127	$219	$2,626	6%
44	$124	$217	$2,599	-1%
45	$117	$210	$2,520	-3%
46	$110	$194	$2,327	-8%
47	$122	$222	$2,658	14%
48	$124	$208	$2,493	-6%
49	$120	$212	$2,546	2%
50	$116	$201	$2,408	-5%
51	$107	$191	$2,295	-5%
52	$115	$202	$2,420	5%
53	$112	$187	$2,249	-7%
54	$118	$199	$2,393	6%
55	$110	$186	$2,237	-6%
56	$108	$191	$2,292	2%
57	$102	$177	$2,128	-7%
58	$112	$190	$2,282	7%
59	$111	$204	$2,446	7%
60	$100	$174	$2,085	-15%
61	$112	$194	$2,324	11%
62	$104	$177	$2,124	-9%
63	$110	$188	$2,257	6%
64	$110	$185	$2,220	-2%
65	$108	$181	$2,170	-2%
66	$101	$175	$2,105	-3%
67	$100	$180	$2,159	3%
68	$102	$181	$2,173	1%
69	$107	$194	$2,328	7%
70	$100	$192	$2,308	-1%
71	$114	$195	$2,340	1%
72	$103	$182	$2,184	-7%
73	$116	$204	$2,448	12%
74	$119	$204	$2,443	-0%
75	$127	$212	$2,543	4%

Last Updated April 3, 2026

Key takeaway: Virginia rates average $533/mo at age 16 and decline steadily to $181/mo by 65 before rising to $212/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.

Washington

Washington rates average $533 per month at 16 before dipping at 17 and then spiking 4% at 18 to $551 per month, the highest point in the state’s dataset. After that, rates fall consistently through the 20s and 30s. By 65, the average reaches $170 per month. Rates climb again in the mid-70s, reaching $210 per month at 75. Drivers in Seattle and Spokane typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$346	$533	$6,395	–
17	$292	$531	$6,371	-0%
18	$283	$551	$6,611	4%
19	$258	$524	$6,290	-5%
20	$232	$451	$5,414	-14%
21	$189	$369	$4,423	-18%
22	$171	$347	$4,163	-6%
23	$159	$295	$3,534	-15%
24	$163	$316	$3,788	7%
25	$150	$291	$3,492	-8%
26	$147	$286	$3,432	-2%
27	$134	$264	$3,169	-8%
28	$131	$262	$3,141	-1%
29	$127	$269	$3,231	3%
30	$121	$243	$2,919	-10%
31	$118	$233	$2,801	-4%
32	$113	$227	$2,729	-3%
33	$112	$226	$2,711	-1%
34	$112	$220	$2,635	-3%
35	$107	$213	$2,560	-3%
36	$101	$208	$2,496	-3%
37	$101	$200	$2,398	-4%
38	$104	$205	$2,460	3%
39	$98	$196	$2,357	-4%
40	$93	$186	$2,237	-5%
41	$98	$196	$2,350	5%
42	$101	$195	$2,337	-1%
43	$94	$182	$2,185	-6%
44	$100	$192	$2,301	5%
45	$102	$198	$2,377	3%
46	$94	$183	$2,198	-8%
47	$97	$191	$2,294	4%
48	$100	$185	$2,217	-3%
49	$98	$190	$2,275	3%
50	$95	$191	$2,288	1%
51	$91	$178	$2,131	-7%
52	$95	$177	$2,127	-0%
53	$93	$183	$2,195	3%
54	$86	$170	$2,036	-7%
55	$95	$183	$2,190	8%
56	$91	$166	$1,996	-9%
57	$92	$173	$2,076	4%
58	$92	$170	$2,041	-2%
59	$86	$169	$2,026	-1%
60	$93	$168	$2,013	-1%
61	$92	$183	$2,196	9%
62	$89	$163	$1,952	-11%
63	$94	$171	$2,047	5%
64	$76	$152	$1,828	-11%
65	$98	$170	$2,036	11%
66	$92	$174	$2,085	2%
67	$91	$170	$2,035	-2%
68	$84	$149	$1,790	-12%
69	$84	$150	$1,800	1%
70	$86	$153	$1,841	2%
71	$81	$144	$1,725	-6%
72	$90	$166	$1,995	16%
73	$89	$151	$1,808	-9%
74	$87	$160	$1,924	6%
75	$99	$210	$2,514	31%

Last Updated April 3, 2026

Key takeaway: Washington rates peak at age 18 ( $551/mo) before declining steadily to $170/mo by 65. Rates rise again to $210/mo by 75. Seattle and Spokane-area drivers pay above the statewide average.

West Virginia

West Virginia’s dataset starts at age 17, where the average is $313 per month. Rates show an unusual upward trend through the early 20s, with a second peak at 21 before falling sharply by 21% at 22 to $293 per month. After that, rates follow a more typical downward trend. By 65, the average reaches $197 per month, and 75-year-olds average $194 per month, a modest improvement from the mid-60s.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

17	$202	$313	$3,753	–
18	$190	$331	$3,973	6%
19	$190	$373	$4,472	13%
20	$175	$357	$4,282	-4%
21	$170	$372	$4,464	4%
22	$144	$293	$3,521	-21%
23	$144	$275	$3,306	-6%
24	$149	$294	$3,530	7%
25	$130	$265	$3,174	-10%
26	$121	$255	$3,057	-4%
27	$126	$251	$3,016	-1%
28	$120	$235	$2,825	-6%
29	$128	$233	$2,797	-1%
30	$120	$248	$2,971	6%
31	$118	$223	$2,679	-10%
32	$112	$221	$2,658	-1%
33	$104	$238	$2,858	8%
34	$110	$215	$2,580	-10%
35	$107	$224	$2,683	4%
36	$107	$233	$2,795	4%
37	$102	$199	$2,383	-15%
38	$102	$214	$2,567	8%
39	$99	$198	$2,373	-8%
40	$102	$197	$2,368	-0%
41	$104	$215	$2,585	9%
42	$104	$223	$2,677	4%
43	$100	$208	$2,491	-7%
44	$100	$222	$2,667	7%
45	$100	$222	$2,659	-0%
46	$106	$211	$2,537	-5%
47	$103	$210	$2,524	-1%
48	$107	$212	$2,544	1%
49	$102	$191	$2,287	-10%
50	$91	$177	$2,121	-7%
51	$91	$170	$2,045	-4%
52	$102	$191	$2,288	12%
53	$93	$181	$2,168	-5%
54	$99	$204	$2,443	13%
55	$100	$201	$2,409	-1%
56	$93	$177	$2,122	-12%
57	$94	$165	$1,982	-7%
58	$92	$168	$2,019	2%
59	$89	$164	$1,970	-2%
60	$86	$178	$2,136	8%
61	$89	$176	$2,113	-1%
62	$86	$159	$1,910	-10%
63	$90	$185	$2,217	16%
64	$95	$222	$2,662	20%
65	$90	$197	$2,365	-11%
66	$86	$159	$1,905	-19%
67	$87	$166	$1,995	5%
68	$93	$186	$2,236	12%
69	$92	$179	$2,150	-4%
70	$83	$157	$1,888	-12%
71	$97	$206	$2,467	31%
72	$97	$179	$2,151	-13%
73	$75	$153	$1,842	-14%
74	$80	$172	$2,065	12%
75	$105	$194	$2,325	13%
75	$99	$210	$2,514	31%

Last Updated April 3, 2026

Key takeaway: West Virginia rates spike through age 21 before falling 21% at 22. By 65, the average is $197/mo, easing slightly to $194/mo by 75. Jerry’s dataset starts at age 17 ( $313 mo).

Wisconsin

Wisconsin has one of the most dramatic spikes for Jerry drivers once they turn 18. Rates dip to $264 per month at 17 before jumping 75% at 18 to $463 per month, then fall sharply at 19. After that, rates decline consistently. The state’s late-life rates are among the most affordable in the Midwest, with drivers averaging just $90 per month at 65. Drivers in Milwaukee and Madison typically pay above the statewide average.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$170	$324	$3,892	–
17	$164	$264	$3,168	-19%
18	$179	$463	$5,558	75%
19	$139	$276	$3,310	-40%
20	$136	$288	$3,450	4%
21	$109	$233	$2,802	-19%
22	$101	$226	$2,718	-3%
23	$95	$188	$2,252	-17%
24	$88	$175	$2,101	-7%
25	$87	$188	$2,255	7%
26	$84	$161	$1,927	-15%
27	$81	$157	$1,883	-2%
28	$73	$150	$1,798	-5%
29	$75	$158	$1,893	5%
30	$71	$147	$1,763	-7%
31	$71	$140	$1,679	-5%
32	$68	$139	$1,671	-0%
33	$72	$160	$1,916	15%
34	$65	$128	$1,538	-20%
35	$66	$127	$1,526	-1%
36	$66	$130	$1,561	2%
37	$64	$136	$1,628	4%
38	$67	$135	$1,622	-0%
39	$62	$124	$1,484	-9%
40	$62	$121	$1,458	-2%
41	$73	$144	$1,730	19%
42	$67	$131	$1,573	-9%
43	$60	$120	$1,437	-9%
44	$65	$136	$1,630	13%
45	$63	$129	$1,548	-5%
46	$61	$123	$1,473	-5%
47	$64	$120	$1,441	-2%
48	$59	$115	$1,379	-4%
49	$66	$118	$1,418	3%
50	$58	$119	$1,434	1%
51	$61	$122	$1,462	2%
52	$62	$126	$1,514	4%
53	$60	$112	$1,348	-11%
54	$56	$107	$1,286	-5%
55	$57	$116	$1,392	8%
56	$55	$108	$1,299	-7%
57	$54	$109	$1,307	1%
58	$56	$103	$1,232	-6%
59	$53	$114	$1,372	11%
60	$54	$105	$1,259	-8%
61	$50	$95	$1,143	-9%
62	$56	$102	$1,224	7%
63	$65	$121	$1,455	19%
64	$55	$110	$1,320	-9%
65	$46	$90	$1,080	-18%
66	$55	$108	$1,295	20%
67	$44	$88	$1,061	-18%
68	$50	$106	$1,267	19%
69	$50	$93	$1,118	-12%
70	$58	$113	$1,360	22%
71	$51	$100	$1,205	-11%
72	$54	$108	$1,293	7%
73	$53	$109	$1,304	1%
74	$56	$116	$1,398	7%
75	$52	$93	$1,116	-20%

Last Updated April 3, 2026

Key takeaway: Wisconsin rates spike 75% at age 18 before falling sharply. By 65, the average is just $90/mo, among the lowest in the Midwest. Milwaukee and Madison-area drivers pay above the statewide average.

Wyoming

Wyoming is one of the most affordable states for car insurance in the country, with low population density keeping rates well below national averages. Teen rates average $277 per month at 16, and despite year over year volatility throughout the data, the long-term trend is sharply downward. By 65, the average reaches just $69 per month, one of the lowest late-life figures in the dataset. Rates spike 86% at 75 to $132 per month, though smaller sample sizes at that age may affect the figure.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

Age	Lowest quote we've found	Average monthly quote	Average annual quote	% change from previous age

16	$230	$277	$3,318	–
17	$93	$208	$2,500	-25%
18	$165	$242	$2,905	16%
19	$159	$287	$3,443	19%
20	$111	$202	$2,421	-30%
21	$93	$208	$2,501	3%
22	$85	$152	$1,826	-27%
23	$95	$168	$2,021	11%
24	$93	$174	$2,087	3%
25	$70	$121	$1,452	-30%
26	$64	$107	$1,289	-11%
27	$54	$96	$1,150	-11%
28	$61	$107	$1,289	12%
29	$68	$126	$1,508	17%
30	$62	$111	$1,331	-12%
31	$56	$85	$1,020	-23%
32	$66	$120	$1,438	41%
33	$63	$131	$1,576	10%
34	$49	$103	$1,235	-22%
35	$52	$100	$1,197	-3%
36	$60	$122	$1,468	23%
37	$56	$103	$1,235	-16%
38	$46	$88	$1,052	-15%
39	$60	$100	$1,196	14%
40	$54	$98	$1,177	-2%
41	$42	$78	$931	-21%
42	$49	$112	$1,346	45%
43	$54	$101	$1,209	-10%
44	$53	$103	$1,237	2%
45	$57	$104	$1,254	1%
46	$88	$123	$1,479	18%
47	$54	$91	$1,094	-26%
48	$49	$94	$1,133	4%
49	$65	$130	$1,561	38%
50	$47	$81	$968	-38%
51	$60	$108	$1,298	34%
52	$51	$90	$1,082	-17%
53	$47	$74	$893	-17%
54	$54	$101	$1,210	36%
55	$56	$119	$1,425	18%
56	$47	$94	$1,123	-21%
57	$46	$88	$1,051	-6%
58	$44	$87	$1,048	-0%
59	$44	$74	$890	-15%
60	$47	$75	$894	1%
61	$48	$76	$914	2%
62	$42	$72	$868	-5%
63	$43	$76	$917	6%
64	$48	$77	$920	0%
65	$42	$69	$831	-10%
66	$49	$81	$974	17%
67	$43	$70	$839	-14%
68	$56	$76	$908	8%
69	$56	$87	$1,043	15%
70	$84	$106	$1,274	22%
71	$31	$57	$689	-46%
72	$39	$54	$651	-5%
73	$43	$70	$843	29%
74	$45	$71	$851	1%
75	$53	$132	$1,582	86%

Last Updated April 3, 2026

Key takeaway: Wyoming is among the most affordable states at every age. Teen rates average $277/mo at age 16 and fall to just $69/mo by 65. Year-to-year volatility likely reflects smaller data samples statewide.

Average Car Insurance Cost Per Month by Age and State

Average Car Insurance Cost Per Month by Age and State

Alabama

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Idaho

Illinois

Indiana.

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

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