Where you live shapes your rate just as much as how old you are. Based on Jerry’s data, a 16-year-old in New York averages $1,501 per month while a 16-year-old in Iowa averages $238 per month. Same age, same clean record, but more than seven times the difference in cost. State minimum coverage requirements, population density, local claims costs and the number of uninsured drivers on the road all factor into what you pay at every age.
Use the sections below to see average monthly rates by age for your state.
Jerry pulls up to 20 quotes from top rated carriers.
Alabama
Alabama rates average $316 per month at age 16, below the national average for that age group. One notable pattern: rates spike 24% 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 $127 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 | $3,796 | – |
| 17 | $214 | $391 | $4,698 | 24% |
| 18 | $167 | $325 | $3,901 | -17% |
| 19 | $161 | $314 | $3,770 | -3% |
| 20 | $147 | $294 | $3,533 | -6% |
| 21 | $142 | $266 | $3,194 | -10% |
| 22 | $116 | $241 | $2,893 | -9% |
| 23 | $115 | $219 | $2,633 | -9% |
| 24 | $107 | $210 | $2,518 | -4% |
| 25 | $104 | $196 | $2,357 | -6% |
| 26 | $95 | $187 | $2,240 | -5% |
| 27 | $90 | $176 | $2,112 | -6% |
| 28 | $91 | $177 | $2,129 | 1% |
| 29 | $88 | $173 | $2,078 | -2% |
| 30 | $91 | $182 | $2,188 | 5% |
| 31 | $86 | $167 | $1,999 | -9% |
| 32 | $84 | $169 | $2,027 | 1% |
| 33 | $82 | $168 | $2,017 | -0% |
| 34 | $80 | $167 | $1,999 | -1% |
| 35 | $75 | $160 | $1,916 | -4% |
| 36 | $80 | $156 | $1,874 | -2% |
| 37 | $78 | $158 | $1,894 | 1% |
| 38 | $74 | $152 | $1,825 | -4% |
| 39 | $79 | $156 | $1,869 | 2% |
| 40 | $74 | $141 | $1,696 | -9% |
| 41 | $79 | $170 | $2,036 | 20% |
| 42 | $72 | $152 | $1,827 | -10% |
| 43 | $75 | $147 | $1,767 | -3% |
| 44 | $70 | $152 | $1,820 | 3% |
| 45 | $70 | $143 | $1,717 | -6% |
| 46 | $66 | $139 | $1,667 | -3% |
| 47 | $73 | $152 | $1,829 | 10% |
| 48 | $69 | $140 | $1,682 | -8% |
| 49 | $70 | $141 | $1,689 | 0% |
| 50 | $65 | $137 | $1,639 | -3% |
| 51 | $69 | $143 | $1,711 | 4% |
| 52 | $62 | $129 | $1,543 | -10% |
| 53 | $65 | $138 | $1,656 | 7% |
| 54 | $68 | $137 | $1,643 | -1% |
| 55 | $64 | $131 | $1,574 | -4% |
| 56 | $65 | $128 | $1,532 | -3% |
| 57 | $59 | $116 | $1,390 | -9% |
| 58 | $70 | $134 | $1,614 | 16% |
| 59 | $65 | $128 | $1,537 | -5% |
| 60 | $69 | $131 | $1,571 | 2% |
| 61 | $64 | $131 | $1,576 | 0% |
| 62 | $61 | $118 | $1,419 | -10% |
| 63 | $67 | $135 | $1,625 | 15% |
| 64 | $56 | $110 | $1,320 | -19% |
| 65 | $65 | $127 | $1,527 | 16% |
| 66 | $61 | $118 | $1,418 | -7% |
| 67 | $65 | $135 | $1,620 | 14% |
| 68 | $69 | $129 | $1,549 | -4% |
| 69 | $68 | $127 | $1,526 | -2% |
| 70 | $70 | $133 | $1,590 | 4% |
| 71 | $66 | $124 | $1,483 | -7% |
| 72 | $70 | $137 | $1,646 | 11% |
| 73 | $70 | $135 | $1,620 | -2% |
| 74 | $76 | $149 | $1,789 | 10% |
| 75 | $68 | $138 | $1,652 | -8% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Alabama teen rates average $316 24%/mo at 16 before spikingat 17. After that, rates fall consistently to $127/mo by 65 and $138/mo by 75.
Arizona
Arizona 16-year-olds average $459 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 $335 per month. By 75, the average reaches $150 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 | $265 | $459 | $5,510 | – |
| 17 | $268 | $489 | $5,864 | 6% |
| 18 | $285 | $511 | $6,135 | 5% |
| 19 | $251 | $459 | $5,506 | -10% |
| 20 | $221 | $406 | $4,872 | -12% |
| 21 | $190 | $335 | $4,014 | -18% |
| 22 | $172 | $307 | $3,690 | -8% |
| 23 | $159 | $279 | $3,348 | -9% |
| 24 | $156 | $270 | $3,235 | -3% |
| 25 | $141 | $251 | $3,012 | -7% |
| 26 | $138 | $244 | $2,923 | -3% |
| 27 | $138 | $238 | $2,859 | -2% |
| 28 | $134 | $235 | $2,815 | -2% |
| 29 | $124 | $219 | $2,631 | -7% |
| 30 | $124 | $217 | $2,607 | -1% |
| 31 | $119 | $211 | $2,536 | -3% |
| 32 | $121 | $213 | $2,553 | 1% |
| 33 | $117 | $203 | $2,439 | -4% |
| 34 | $113 | $201 | $2,412 | -1% |
| 35 | $114 | $200 | $2,404 | -0% |
| 36 | $116 | $200 | $2,398 | -0% |
| 37 | $112 | $192 | $2,307 | -4% |
| 38 | $110 | $191 | $2,296 | -0% |
| 39 | $111 | $196 | $2,355 | 3% |
| 40 | $108 | $184 | $2,204 | -6% |
| 41 | $105 | $188 | $2,257 | 2% |
| 42 | $106 | $184 | $2,207 | -2% |
| 43 | $107 | $191 | $2,297 | 4% |
| 44 | $106 | $190 | $2,275 | -1% |
| 45 | $103 | $183 | $2,198 | -3% |
| 46 | $104 | $184 | $2,211 | 1% |
| 47 | $101 | $185 | $2,222 | 1% |
| 48 | $103 | $178 | $2,141 | -4% |
| 49 | $104 | $193 | $2,319 | 8% |
| 50 | $100 | $176 | $2,109 | -9% |
| 51 | $96 | $166 | $1,991 | -6% |
| 52 | $98 | $174 | $2,088 | 5% |
| 53 | $95 | $171 | $2,051 | -2% |
| 54 | $99 | $170 | $2,037 | -1% |
| 55 | $96 | $163 | $1,957 | -4% |
| 56 | $95 | $164 | $1,970 | 1% |
| 57 | $99 | $169 | $2,027 | 3% |
| 58 | $92 | $158 | $1,901 | -6% |
| 59 | $92 | $165 | $1,985 | 4% |
| 60 | $94 | $164 | $1,971 | -1% |
| 61 | $94 | $157 | $1,882 | -4% |
| 62 | $90 | $160 | $1,921 | 2% |
| 63 | $94 | $164 | $1,963 | 2% |
| 64 | $85 | $148 | $1,778 | -9% |
| 65 | $87 | $153 | $1,835 | 3% |
| 66 | $89 | $155 | $1,856 | 1% |
| 67 | $88 | $152 | $1,823 | -2% |
| 68 | $84 | $142 | $1,699 | -7% |
| 69 | $94 | $168 | $2,014 | 19% |
| 70 | $86 | $155 | $1,864 | -7% |
| 71 | $91 | $157 | $1,882 | 1% |
| 72 | $84 | $149 | $1,783 | -5% |
| 73 | $84 | $149 | $1,789 | 0% |
| 74 | $94 | $169 | $2,026 | 13% |
| 75 | $84 | $150 | $1,803 | -11% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 (18%). Rates reach $150/mo by 75, a consistent long-term decline from $511/mo at 18 years old.
Arkansas
Arkansas has an unusual pattern at the teen level: Rates actually fall 21% from age 16 to 17, dropping from $531 and $421 per month, before following the typical downward trend. By 75, the average reaches $138 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 | $237 | $421 | $5,048 | -21% |
| 18 | $189 | $373 | $4,477 | -11% |
| 19 | $160 | $321 | $3,855 | -14% |
| 20 | $140 | $292 | $3,499 | -9% |
| 21 | $124 | $254 | $3,054 | -13% |
| 22 | $113 | $236 | $2,834 | -7% |
| 23 | $106 | $229 | $2,749 | -3% |
| 24 | $98 | $196 | $2,353 | -14% |
| 25 | $99 | $200 | $2,402 | 2% |
| 26 | $95 | $192 | $2,300 | -4% |
| 27 | $90 | $184 | $2,213 | -4% |
| 28 | $91 | $182 | $2,188 | -1% |
| 29 | $88 | $182 | $2,189 | 0% |
| 30 | $85 | $178 | $2,131 | -3% |
| 31 | $83 | $172 | $2,059 | -3% |
| 32 | $84 | $175 | $2,105 | 2% |
| 33 | $77 | $161 | $1,929 | -8% |
| 34 | $73 | $152 | $1,821 | -6% |
| 35 | $75 | $153 | $1,836 | 1% |
| 36 | $77 | $159 | $1,902 | 4% |
| 37 | $77 | $157 | $1,883 | -1% |
| 38 | $76 | $157 | $1,881 | -0% |
| 39 | $75 | $158 | $1,898 | 1% |
| 40 | $74 | $151 | $1,810 | -5% |
| 41 | $76 | $153 | $1,839 | 2% |
| 42 | $71 | $145 | $1,741 | -5% |
| 43 | $73 | $151 | $1,810 | 4% |
| 44 | $75 | $151 | $1,816 | 0% |
| 45 | $70 | $143 | $1,718 | -5% |
| 46 | $71 | $146 | $1,749 | 2% |
| 47 | $73 | $149 | $1,793 | 3% |
| 48 | $74 | $159 | $1,908 | 6% |
| 49 | $73 | $147 | $1,764 | -8% |
| 50 | $64 | $131 | $1,578 | -11% |
| 51 | $68 | $135 | $1,624 | 3% |
| 52 | $68 | $138 | $1,660 | 2% |
| 53 | $66 | $134 | $1,611 | -3% |
| 54 | $70 | $135 | $1,616 | 0% |
| 55 | $68 | $140 | $1,677 | 4% |
| 56 | $65 | $133 | $1,597 | -5% |
| 57 | $69 | $133 | $1,602 | 0% |
| 58 | $60 | $127 | $1,522 | -5% |
| 59 | $68 | $132 | $1,588 | 4% |
| 60 | $65 | $128 | $1,542 | -3% |
| 61 | $63 | $124 | $1,482 | -4% |
| 62 | $66 | $133 | $1,599 | 8% |
| 63 | $76 | $172 | $2,059 | 29% |
| 64 | $63 | $120 | $1,440 | -30% |
| 65 | $66 | $122 | $1,466 | 2% |
| 66 | $62 | $122 | $1,463 | -0% |
| 67 | $71 | $138 | $1,661 | 14% |
| 68 | $66 | $129 | $1,551 | -7% |
| 69 | $66 | $134 | $1,603 | 3% |
| 70 | $67 | $130 | $1,559 | -3% |
| 71 | $66 | $129 | $1,545 | -1% |
| 72 | $67 | $132 | $1,580 | 2% |
| 73 | $62 | $123 | $1,475 | -7% |
| 74 | $69 | $130 | $1,562 | 6% |
| 75 | $66 | $138 | $1,652 | 6% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Arkansas rates drop 21% between ages 16 and 17, which is atypical. After that, the decline follows the national pattern, reaching $138/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 $503 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 $255 per month, and by 65 it reaches $174 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $195 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 | $196 | $503 | $6,035 | – |
| 17 | $195 | $448 | $5,376 | -11% |
| 18 | $232 | $551 | $6,607 | 23% |
| 19 | $215 | $503 | $6,039 | -9% |
| 20 | $194 | $453 | $5,440 | -10% |
| 21 | $181 | $404 | $4,844 | -11% |
| 22 | $151 | $356 | $4,273 | -12% |
| 23 | $147 | $341 | $4,093 | -4% |
| 24 | $137 | $316 | $3,795 | -7% |
| 25 | $136 | $307 | $3,681 | -3% |
| 26 | $131 | $299 | $3,585 | -3% |
| 27 | $125 | $282 | $3,390 | -5% |
| 28 | $123 | $275 | $3,303 | -3% |
| 29 | $119 | $274 | $3,283 | -1% |
| 30 | $114 | $255 | $3,056 | -7% |
| 31 | $113 | $254 | $3,044 | -0% |
| 32 | $109 | $247 | $2,959 | -3% |
| 33 | $107 | $238 | $2,860 | -3% |
| 34 | $108 | $231 | $2,774 | -3% |
| 35 | $104 | $232 | $2,787 | 0% |
| 36 | $100 | $224 | $2,683 | -4% |
| 37 | $100 | $218 | $2,614 | -3% |
| 38 | $101 | $219 | $2,623 | 0% |
| 39 | $101 | $222 | $2,669 | 2% |
| 40 | $98 | $211 | $2,535 | -5% |
| 41 | $96 | $209 | $2,512 | -1% |
| 42 | $96 | $206 | $2,471 | -2% |
| 43 | $96 | $204 | $2,449 | -1% |
| 44 | $94 | $205 | $2,459 | 0% |
| 45 | $94 | $207 | $2,487 | 1% |
| 46 | $99 | $208 | $2,500 | 1% |
| 47 | $97 | $209 | $2,504 | 0% |
| 48 | $95 | $200 | $2,401 | -4% |
| 49 | $93 | $203 | $2,431 | 1% |
| 50 | $96 | $203 | $2,435 | 0% |
| 51 | $95 | $199 | $2,387 | -2% |
| 52 | $94 | $199 | $2,391 | 0% |
| 53 | $97 | $197 | $2,364 | -1% |
| 54 | $91 | $190 | $2,279 | -4% |
| 55 | $94 | $193 | $2,313 | 1% |
| 56 | $95 | $193 | $2,317 | 0% |
| 57 | $91 | $186 | $2,229 | -4% |
| 58 | $91 | $190 | $2,281 | 2% |
| 59 | $90 | $184 | $2,206 | -3% |
| 60 | $89 | $180 | $2,163 | -2% |
| 61 | $89 | $185 | $2,219 | 3% |
| 62 | $90 | $183 | $2,195 | -1% |
| 63 | $91 | $179 | $2,142 | -2% |
| 64 | $90 | $174 | $2,093 | -2% |
| 65 | $90 | $174 | $2,092 | -0% |
| 66 | $92 | $183 | $2,195 | 5% |
| 67 | $92 | $182 | $2,189 | -0% |
| 68 | $92 | $180 | $2,157 | -1% |
| 69 | $93 | $179 | $2,147 | -0% |
| 70 | $93 | $188 | $2,253 | 5% |
| 71 | $96 | $185 | $2,226 | -1% |
| 72 | $95 | $187 | $2,244 | 1% |
| 73 | $98 | $193 | $2,311 | 3% |
| 74 | $98 | $196 | $2,358 | 2% |
| 75 | $98 | $195 | $2,336 | -1% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $503/mo. Rates fall to $174/mo by 65 and stay stable through the mid-70s.
Colorado
Colorado 16-year-olds pay an average of $514 per month, and the biggest single-year drop afterwards in the state comes at 21, when rates fall 20% to $324 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 | $256 | $514 | $6,166 | – |
| 17 | $217 | $437 | $5,239 | -15% |
| 18 | $229 | $472 | $5,663 | 8% |
| 19 | $217 | $463 | $5,558 | -2% |
| 20 | $191 | $407 | $4,886 | -12% |
| 21 | $164 | $324 | $3,886 | -20% |
| 22 | $144 | $314 | $3,774 | -3% |
| 23 | $137 | $292 | $3,506 | -7% |
| 24 | $132 | $293 | $3,511 | 0% |
| 25 | $124 | $271 | $3,250 | -7% |
| 26 | $123 | $255 | $3,060 | -6% |
| 27 | $120 | $272 | $3,262 | 7% |
| 28 | $109 | $246 | $2,955 | -9% |
| 29 | $110 | $238 | $2,859 | -3% |
| 30 | $107 | $237 | $2,840 | -1% |
| 31 | $109 | $238 | $2,859 | 1% |
| 32 | $102 | $227 | $2,722 | -5% |
| 33 | $100 | $217 | $2,609 | -4% |
| 34 | $102 | $227 | $2,720 | 4% |
| 35 | $98 | $218 | $2,621 | -4% |
| 36 | $99 | $213 | $2,554 | -3% |
| 37 | $96 | $214 | $2,574 | 1% |
| 38 | $96 | $208 | $2,495 | -3% |
| 39 | $95 | $217 | $2,605 | 4% |
| 40 | $94 | $209 | $2,504 | -4% |
| 41 | $93 | $196 | $2,348 | -6% |
| 42 | $89 | $187 | $2,244 | -4% |
| 43 | $87 | $207 | $2,485 | 11% |
| 44 | $90 | $196 | $2,348 | -6% |
| 45 | $87 | $195 | $2,344 | -0% |
| 46 | $87 | $195 | $2,337 | -0% |
| 47 | $88 | $191 | $2,294 | -2% |
| 48 | $90 | $198 | $2,376 | 4% |
| 49 | $90 | $196 | $2,352 | -1% |
| 50 | $88 | $196 | $2,348 | -0% |
| 51 | $82 | $173 | $2,079 | -11% |
| 52 | $86 | $190 | $2,282 | 10% |
| 53 | $85 | $188 | $2,252 | -1% |
| 54 | $79 | $173 | $2,078 | -8% |
| 55 | $86 | $189 | $2,268 | 9% |
| 56 | $82 | $179 | $2,149 | -5% |
| 57 | $77 | $164 | $1,967 | -8% |
| 58 | $82 | $177 | $2,127 | 8% |
| 59 | $80 | $169 | $2,028 | -5% |
| 60 | $73 | $157 | $1,887 | -7% |
| 61 | $77 | $161 | $1,938 | 3% |
| 62 | $75 | $165 | $1,979 | 2% |
| 63 | $80 | $157 | $1,885 | -5% |
| 64 | $78 | $173 | $2,082 | 10% |
| 65 | $79 | $161 | $1,933 | -7% |
| 66 | $75 | $151 | $1,818 | -6% |
| 67 | $80 | $161 | $1,929 | 6% |
| 68 | $82 | $166 | $1,987 | 3% |
| 69 | $76 | $153 | $1,834 | -8% |
| 70 | $83 | $171 | $2,051 | 12% |
| 71 | $79 | $160 | $1,918 | -7% |
| 72 | $80 | $163 | $1,956 | 2% |
| 73 | $72 | $145 | $1,736 | -11% |
| 74 | $79 | $145 | $1,735 | -0% |
| 75 | $89 | $174 | $2,089 | 20% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Colorado’s steepest drop is 20% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $174/mo.
Connecticut
Connecticut has some of the highest teen insurance rates in the country; 16-year-olds average $768 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 $455 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 | $768 | $9,215 | – |
| 17 | $434 | $769 | $9,223 | 0% |
| 18 | $400 | $743 | $8,919 | -3% |
| 19 | $351 | $655 | $7,854 | -12% |
| 20 | $297 | $586 | $7,027 | -11% |
| 21 | $246 | $455 | $5,456 | -22% |
| 22 | $240 | $430 | $5,164 | -5% |
| 23 | $234 | $421 | $5,053 | -2% |
| 24 | $212 | $394 | $4,723 | -7% |
| 25 | $201 | $396 | $4,750 | 1% |
| 26 | $194 | $350 | $4,203 | -12% |
| 27 | $187 | $334 | $4,006 | -5% |
| 28 | $181 | $317 | $3,808 | -5% |
| 29 | $188 | $326 | $3,916 | 3% |
| 30 | $184 | $322 | $3,868 | -1% |
| 31 | $177 | $320 | $3,840 | -1% |
| 32 | $169 | $287 | $3,441 | -10% |
| 33 | $175 | $297 | $3,559 | 3% |
| 34 | $168 | $279 | $3,343 | -6% |
| 35 | $168 | $287 | $3,442 | 3% |
| 36 | $174 | $290 | $3,485 | 1% |
| 37 | $162 | $270 | $3,244 | -7% |
| 38 | $166 | $273 | $3,277 | 1% |
| 39 | $170 | $276 | $3,317 | 1% |
| 40 | $160 | $267 | $3,208 | -3% |
| 41 | $158 | $271 | $3,258 | 2% |
| 42 | $160 | $266 | $3,198 | -2% |
| 43 | $164 | $267 | $3,208 | 0% |
| 44 | $166 | $274 | $3,293 | 3% |
| 45 | $167 | $281 | $3,378 | 3% |
| 46 | $166 | $281 | $3,367 | -0% |
| 47 | $164 | $271 | $3,247 | -4% |
| 48 | $156 | $261 | $3,131 | -4% |
| 49 | $164 | $266 | $3,195 | 2% |
| 50 | $157 | $271 | $3,257 | 2% |
| 51 | $162 | $260 | $3,122 | -4% |
| 52 | $149 | $246 | $2,949 | -6% |
| 53 | $153 | $254 | $3,048 | 3% |
| 54 | $157 | $258 | $3,100 | 2% |
| 55 | $160 | $259 | $3,109 | 0% |
| 56 | $143 | $235 | $2,820 | -9% |
| 57 | $137 | $229 | $2,745 | -3% |
| 58 | $142 | $227 | $2,724 | -1% |
| 59 | $133 | $214 | $2,566 | -6% |
| 60 | $150 | $243 | $2,911 | 13% |
| 61 | $127 | $212 | $2,541 | -13% |
| 62 | $135 | $221 | $2,658 | 5% |
| 63 | $134 | $219 | $2,634 | -1% |
| 64 | $132 | $213 | $2,559 | -3% |
| 65 | $133 | $215 | $2,580 | 1% |
| 66 | $131 | $217 | $2,606 | 1% |
| 67 | $130 | $222 | $2,665 | 2% |
| 68 | $162 | $273 | $3,275 | 23% |
| 69 | $150 | $241 | $2,887 | -12% |
| 70 | $148 | $234 | $2,804 | -3% |
| 71 | $136 | $221 | $2,648 | -6% |
| 72 | $156 | $251 | $3,010 | 14% |
| 73 | $148 | $256 | $3,066 | 2% |
| 74 | $130 | $240 | $2,882 | -6% |
| 75 | $141 | $247 | $2,966 | 3% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Connecticut 16-year-olds average $768/mo, among the highest nationally. The biggest drop, 23%, happens at age 21 (22%). Even at 75, the average stays elevated at $247/mo.
Delaware
Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $722 per month before a steep 31% drop at 19. By 30, rates settle to $247 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 | $482 | $5,781 | – |
| 17 | $350 | $611 | $7,331 | 27% |
| 18 | $358 | $722 | $8,663 | 18% |
| 19 | $283 | $496 | $5,953 | -31% |
| 20 | $198 | $343 | $4,111 | -31% |
| 21 | $209 | $346 | $4,154 | 1% |
| 22 | $192 | $312 | $3,739 | -10% |
| 23 | $182 | $311 | $3,729 | -0% |
| 24 | $172 | $283 | $3,396 | -9% |
| 25 | $159 | $260 | $3,119 | -8% |
| 26 | $145 | $236 | $2,836 | -9% |
| 27 | $148 | $243 | $2,920 | 3% |
| 28 | $141 | $229 | $2,746 | -6% |
| 29 | $146 | $236 | $2,833 | 3% |
| 30 | $146 | $247 | $2,965 | 5% |
| 31 | $144 | $242 | $2,902 | -2% |
| 32 | $139 | $220 | $2,645 | -9% |
| 33 | $134 | $215 | $2,577 | -3% |
| 34 | $139 | $215 | $2,586 | 0% |
| 35 | $136 | $230 | $2,758 | 7% |
| 36 | $125 | $198 | $2,374 | -14% |
| 37 | $127 | $214 | $2,564 | 8% |
| 38 | $127 | $206 | $2,478 | -3% |
| 39 | $135 | $203 | $2,433 | -2% |
| 40 | $130 | $207 | $2,489 | 2% |
| 41 | $138 | $246 | $2,950 | 19% |
| 42 | $122 | $201 | $2,412 | -18% |
| 43 | $121 | $196 | $2,355 | -2% |
| 44 | $128 | $214 | $2,571 | 9% |
| 45 | $130 | $212 | $2,545 | -1% |
| 46 | $127 | $204 | $2,453 | -4% |
| 47 | $126 | $205 | $2,456 | 0% |
| 48 | $120 | $187 | $2,246 | -9% |
| 49 | $130 | $220 | $2,639 | 17% |
| 50 | $122 | $198 | $2,377 | -10% |
| 51 | $144 | $226 | $2,710 | 14% |
| 52 | $108 | $184 | $2,209 | -18% |
| 53 | $121 | $198 | $2,372 | 7% |
| 54 | $120 | $189 | $2,271 | -4% |
| 55 | $109 | $170 | $2,043 | -10% |
| 56 | $119 | $201 | $2,410 | 18% |
| 57 | $126 | $194 | $2,331 | -3% |
| 58 | $112 | $190 | $2,278 | -2% |
| 59 | $116 | $184 | $2,205 | -3% |
| 60 | $112 | $180 | $2,157 | -2% |
| 61 | $112 | $171 | $2,058 | -5% |
| 62 | $115 | $181 | $2,174 | 6% |
| 63 | $114 | $190 | $2,278 | 5% |
| 64 | $110 | $173 | $2,081 | -9% |
| 65 | $115 | $188 | $2,255 | 8% |
| 66 | $96 | $163 | $1,955 | -13% |
| 67 | $102 | $161 | $1,937 | -1% |
| 68 | $103 | $172 | $2,059 | 6% |
| 69 | $112 | $175 | $2,100 | 2% |
| 70 | $112 | $186 | $2,238 | 7% |
| 71 | $120 | $199 | $2,389 | 7% |
| 72 | $113 | $179 | $2,152 | -10% |
| 73 | $123 | $194 | $2,327 | 8% |
| 74 | $120 | $187 | $2,246 | -3% |
| 75 | $97 | $158 | $1,900 | -15% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Delaware rates peak at 18 ($722/mo) before dropping sharply. By 30, the average falls to $247/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 $560 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 $289 per month, and by 65 it reaches $199 per month. Florida’s rates level off more slowly after 65 than most states, with 75-year-olds averaging $189 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 | $204 | $497 | $5,968 | – |
| 17 | $224 | $555 | $6,664 | 12% |
| 18 | $224 | $560 | $6,724 | 1% |
| 19 | $195 | $472 | $5,669 | -16% |
| 20 | $172 | $424 | $5,086 | -10% |
| 21 | $153 | $383 | $4,594 | -10% |
| 22 | $148 | $366 | $4,391 | -4% |
| 23 | $134 | $329 | $3,947 | -10% |
| 24 | $133 | $310 | $3,723 | -6% |
| 25 | $132 | $311 | $3,729 | 0% |
| 26 | $124 | $297 | $3,564 | -4% |
| 27 | $124 | $301 | $3,614 | 1% |
| 28 | $126 | $291 | $3,497 | -3% |
| 29 | $120 | $289 | $3,466 | -1% |
| 30 | $121 | $289 | $3,473 | 0% |
| 31 | $122 | $282 | $3,387 | -2% |
| 32 | $119 | $281 | $3,375 | -0% |
| 33 | $113 | $271 | $3,252 | -4% |
| 34 | $112 | $270 | $3,236 | -0% |
| 35 | $112 | $262 | $3,144 | -3% |
| 36 | $109 | $256 | $3,067 | -2% |
| 37 | $107 | $259 | $3,114 | 2% |
| 38 | $107 | $253 | $3,030 | -3% |
| 39 | $105 | $252 | $3,019 | -0% |
| 40 | $106 | $255 | $3,060 | 1% |
| 41 | $104 | $250 | $3,004 | -2% |
| 42 | $105 | $248 | $2,978 | -1% |
| 43 | $102 | $242 | $2,901 | -3% |
| 44 | $100 | $238 | $2,858 | -1% |
| 45 | $101 | $236 | $2,826 | -1% |
| 46 | $98 | $237 | $2,842 | 1% |
| 47 | $99 | $236 | $2,829 | -0% |
| 48 | $97 | $237 | $2,850 | 1% |
| 49 | $99 | $242 | $2,908 | 2% |
| 50 | $97 | $231 | $2,778 | -5% |
| 51 | $98 | $233 | $2,791 | 0% |
| 52 | $94 | $229 | $2,750 | -1% |
| 53 | $91 | $223 | $2,673 | -3% |
| 54 | $93 | $224 | $2,692 | 1% |
| 55 | $90 | $220 | $2,639 | -2% |
| 56 | $88 | $217 | $2,604 | -1% |
| 57 | $85 | $205 | $2,457 | -6% |
| 58 | $90 | $214 | $2,568 | 5% |
| 59 | $88 | $208 | $2,498 | -3% |
| 60 | $88 | $202 | $2,427 | -3% |
| 61 | $84 | $200 | $2,403 | -1% |
| 62 | $85 | $202 | $2,418 | 1% |
| 63 | $84 | $201 | $2,409 | -0% |
| 64 | $80 | $192 | $2,309 | -4% |
| 65 | $86 | $199 | $2,394 | 4% |
| 66 | $81 | $194 | $2,327 | -3% |
| 67 | $84 | $199 | $2,387 | 3% |
| 68 | $83 | $196 | $2,352 | -1% |
| 69 | $83 | $198 | $2,372 | 1% |
| 70 | $82 | $199 | $2,390 | 1% |
| 71 | $88 | $207 | $2,481 | 4% |
| 72 | $86 | $200 | $2,405 | -3% |
| 73 | $83 | $197 | $2,368 | -2% |
| 74 | $89 | $216 | $2,596 | 10% |
| 75 | $83 | $189 | $2,268 | -13% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Florida rates peak at 18 ($560/mo) before falling. PIP coverage is required statewide, which adds to premiums at every age. By 65, the average is $199/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 $809 per month compared to $749 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 $518 per month. By 30, it reaches $326 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 $253 per month, and 75-year-olds average $289 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 | $389 | $749 | $8,982 | – |
| 17 | $362 | $711 | $8,528 | -5% |
| 18 | $420 | $809 | $9,707 | 14% |
| 19 | $375 | $672 | $8,064 | -17% |
| 20 | $330 | $598 | $7,178 | -11% |
| 21 | $293 | $518 | $6,218 | -13% |
| 22 | $261 | $463 | $5,562 | -11% |
| 23 | $251 | $430 | $5,164 | -7% |
| 24 | $232 | $403 | $4,830 | -6% |
| 25 | $221 | $383 | $4,599 | -5% |
| 26 | $213 | $360 | $4,316 | -6% |
| 27 | $203 | $343 | $4,113 | -5% |
| 28 | $201 | $339 | $4,071 | -1% |
| 29 | $191 | $331 | $3,972 | -2% |
| 30 | $189 | $326 | $3,912 | -2% |
| 31 | $187 | $320 | $3,835 | -2% |
| 32 | $184 | $320 | $3,837 | 0% |
| 33 | $185 | $314 | $3,769 | -2% |
| 34 | $178 | $308 | $3,697 | -2% |
| 35 | $182 | $306 | $3,674 | -1% |
| 36 | $181 | $308 | $3,691 | 0% |
| 37 | $177 | $301 | $3,615 | -2% |
| 38 | $175 | $302 | $3,622 | 0% |
| 39 | $169 | $289 | $3,473 | -4% |
| 40 | $168 | $291 | $3,491 | 1% |
| 41 | $165 | $283 | $3,394 | -3% |
| 42 | $164 | $279 | $3,346 | -1% |
| 43 | $162 | $275 | $3,301 | -1% |
| 44 | $161 | $277 | $3,318 | 1% |
| 45 | $163 | $278 | $3,342 | 1% |
| 46 | $152 | $265 | $3,181 | -5% |
| 47 | $154 | $271 | $3,256 | 2% |
| 48 | $157 | $276 | $3,310 | 2% |
| 49 | $153 | $275 | $3,302 | -0% |
| 50 | $154 | $270 | $3,238 | -2% |
| 51 | $147 | $256 | $3,072 | -5% |
| 52 | $149 | $257 | $3,085 | 0% |
| 53 | $146 | $257 | $3,081 | -0% |
| 54 | $144 | $251 | $3,009 | -2% |
| 55 | $150 | $262 | $3,149 | 5% |
| 56 | $147 | $253 | $3,031 | -4% |
| 57 | $151 | $260 | $3,114 | 3% |
| 58 | $140 | $245 | $2,938 | -6% |
| 59 | $143 | $251 | $3,009 | 2% |
| 60 | $148 | $257 | $3,083 | 2% |
| 61 | $146 | $254 | $3,054 | -1% |
| 62 | $146 | $254 | $3,043 | -0% |
| 63 | $150 | $259 | $3,108 | 2% |
| 64 | $149 | $254 | $3,050 | -2% |
| 65 | $148 | $253 | $3,037 | -0% |
| 66 | $142 | $257 | $3,083 | 2% |
| 67 | $149 | $256 | $3,071 | -0% |
| 68 | $152 | $257 | $3,085 | 0% |
| 69 | $148 | $257 | $3,080 | -0% |
| 70 | $150 | $258 | $3,102 | 1% |
| 71 | $155 | $267 | $3,204 | 3% |
| 72 | $152 | $257 | $3,089 | -4% |
| 73 | $153 | $269 | $3,234 | 5% |
| 74 | $152 | $255 | $3,064 | -5% |
| 75 | $162 | $289 | $3,464 | 13% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Georgia 18-year-olds average $809/mo, higher than at 16. Atlanta drives rates above the national average statewide. By 65, drivers average $253/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 $356 per month. By 30, that figure drops to just $117 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 | $270 | $356 | $4,267 | – |
| 17 | $128 | $256 | $3,067 | -28% |
| 18 | $204 | $307 | $3,683 | 20% |
| 19 | $141 | $234 | $2,803 | -24% |
| 20 | $123 | $227 | $2,719 | -3% |
| 21 | $108 | $194 | $2,328 | -14% |
| 22 | $91 | $154 | $1,851 | -20% |
| 23 | $73 | $141 | $1,697 | -8% |
| 24 | $77 | $136 | $1,629 | -4% |
| 25 | $79 | $143 | $1,722 | 6% |
| 26 | $77 | $156 | $1,867 | 8% |
| 27 | $68 | $122 | $1,462 | -22% |
| 28 | $73 | $143 | $1,714 | 17% |
| 29 | $66 | $113 | $1,355 | -21% |
| 30 | $62 | $117 | $1,402 | 3% |
| 31 | $59 | $106 | $1,269 | -9% |
| 32 | $62 | $112 | $1,348 | 6% |
| 33 | $60 | $111 | $1,337 | -1% |
| 34 | $66 | $120 | $1,442 | 8% |
| 35 | $66 | $107 | $1,282 | -11% |
| 36 | $56 | $103 | $1,239 | -3% |
| 37 | $59 | $107 | $1,281 | 3% |
| 38 | $54 | $89 | $1,062 | -17% |
| 39 | $60 | $100 | $1,198 | 13% |
| 40 | $56 | $94 | $1,132 | -5% |
| 41 | $59 | $98 | $1,180 | 4% |
| 42 | $58 | $103 | $1,230 | 4% |
| 43 | $58 | $102 | $1,224 | -0% |
| 44 | $61 | $106 | $1,276 | 4% |
| 45 | $52 | $91 | $1,090 | -15% |
| 46 | $59 | $108 | $1,302 | 19% |
| 47 | $55 | $92 | $1,103 | -15% |
| 48 | $57 | $96 | $1,152 | 4% |
| 49 | $55 | $95 | $1,137 | -1% |
| 50 | $56 | $98 | $1,176 | 3% |
| 51 | $52 | $99 | $1,191 | 1% |
| 52 | $52 | $91 | $1,094 | -8% |
| 53 | $57 | $100 | $1,199 | 10% |
| 54 | $46 | $80 | $958 | -20% |
| 55 | $55 | $93 | $1,119 | 17% |
| 56 | $46 | $77 | $928 | -17% |
| 57 | $60 | $103 | $1,235 | 33% |
| 58 | $55 | $86 | $1,030 | -17% |
| 59 | $48 | $79 | $944 | -8% |
| 60 | $47 | $79 | $943 | -0% |
| 61 | $46 | $86 | $1,031 | 9% |
| 62 | $51 | $84 | $1,004 | -3% |
| 63 | $45 | $82 | $989 | -1% |
| 64 | $49 | $86 | $1,035 | 5% |
| 65 | $51 | $76 | $914 | -12% |
| 66 | $48 | $89 | $1,071 | 17% |
| 67 | $52 | $84 | $1,011 | -6% |
| 68 | $41 | $69 | $830 | -18% |
| 69 | $45 | $77 | $925 | 11% |
| 70 | $40 | $70 | $836 | -10% |
| 71 | $49 | $82 | $988 | 18% |
| 72 | $45 | $70 | $836 | -15% |
| 73 | $44 | $80 | $955 | 14% |
| 74 | $44 | $76 | $915 | -4% |
| 75 | $58 | $89 | $1,071 | 17% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Idaho is among the cheapest states at every age. Teens average $356/mo at 16, dropping to just $117/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 $356 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 $180 per month. Rates continue declining into the 60s, reaching $135 per month at age 65. By 75, the average is $140 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 | $200 | $356 | $4,269 | – |
| 17 | $225 | $406 | $4,868 | 14% |
| 18 | $199 | $381 | $4,573 | -6% |
| 19 | $198 | $369 | $4,428 | -3% |
| 20 | $180 | $384 | $4,605 | 4% |
| 21 | $161 | $327 | $3,923 | -15% |
| 22 | $133 | $271 | $3,254 | -17% |
| 23 | $136 | $255 | $3,059 | -6% |
| 24 | $122 | $225 | $2,697 | -12% |
| 25 | $113 | $214 | $2,563 | -5% |
| 26 | $107 | $198 | $2,372 | -7% |
| 27 | $97 | $187 | $2,240 | -6% |
| 28 | $100 | $185 | $2,215 | -1% |
| 29 | $99 | $185 | $2,223 | 0% |
| 30 | $94 | $180 | $2,161 | -3% |
| 31 | $91 | $181 | $2,171 | 0% |
| 32 | $97 | $192 | $2,308 | 6% |
| 33 | $93 | $174 | $2,085 | -10% |
| 34 | $89 | $171 | $2,055 | -1% |
| 35 | $90 | $174 | $2,090 | 2% |
| 36 | $87 | $169 | $2,033 | -3% |
| 37 | $88 | $162 | $1,942 | -4% |
| 38 | $88 | $167 | $2,005 | 3% |
| 39 | $89 | $173 | $2,074 | 3% |
| 40 | $83 | $160 | $1,923 | -7% |
| 41 | $83 | $154 | $1,852 | -4% |
| 42 | $84 | $158 | $1,892 | 2% |
| 43 | $86 | $157 | $1,881 | -1% |
| 44 | $84 | $161 | $1,934 | 3% |
| 45 | $78 | $147 | $1,769 | -9% |
| 46 | $79 | $151 | $1,810 | 2% |
| 47 | $87 | $163 | $1,961 | 8% |
| 48 | $81 | $156 | $1,872 | -5% |
| 49 | $83 | $153 | $1,840 | -2% |
| 50 | $80 | $148 | $1,779 | -3% |
| 51 | $84 | $158 | $1,899 | 7% |
| 52 | $80 | $147 | $1,765 | -7% |
| 53 | $78 | $146 | $1,754 | -1% |
| 54 | $76 | $143 | $1,721 | -2% |
| 55 | $79 | $154 | $1,849 | 7% |
| 56 | $78 | $143 | $1,720 | -7% |
| 57 | $74 | $136 | $1,634 | -5% |
| 58 | $76 | $142 | $1,707 | 5% |
| 59 | $84 | $148 | $1,773 | 4% |
| 60 | $80 | $148 | $1,781 | 0% |
| 61 | $76 | $142 | $1,710 | -4% |
| 62 | $75 | $143 | $1,710 | 0% |
| 63 | $74 | $136 | $1,633 | -5% |
| 64 | $81 | $148 | $1,771 | 8% |
| 65 | $76 | $135 | $1,624 | -8% |
| 66 | $79 | $149 | $1,786 | 10% |
| 67 | $78 | $138 | $1,661 | -7% |
| 68 | $80 | $144 | $1,725 | 4% |
| 69 | $79 | $140 | $1,680 | -3% |
| 70 | $79 | $149 | $1,792 | 7% |
| 71 | $77 | $143 | $1,720 | -4% |
| 72 | $80 | $148 | $1,771 | 3% |
| 73 | $76 | $129 | $1,544 | -13% |
| 74 | $76 | $133 | $1,600 | 4% |
| 75 | $78 | $140 | $1,681 | 5% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Illinois 16-year-olds average $356/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 $324 per month and by 30 the average drops to $148 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 | $185 | $324 | $3,886 | – |
| 17 | $156 | $285 | $3,423 | -12% |
| 18 | $156 | $308 | $3,696 | 8% |
| 19 | $143 | $279 | $3,350 | -9% |
| 20 | $133 | $262 | $3,145 | -6% |
| 21 | $116 | $227 | $2,726 | -13% |
| 22 | $111 | $208 | $2,501 | -8% |
| 23 | $101 | $195 | $2,337 | -7% |
| 24 | $96 | $178 | $2,136 | -9% |
| 25 | $90 | $176 | $2,106 | -1% |
| 26 | $88 | $157 | $1,889 | -10% |
| 27 | $82 | $146 | $1,750 | -7% |
| 28 | $89 | $159 | $1,913 | 9% |
| 29 | $82 | $145 | $1,739 | -9% |
| 30 | $83 | $148 | $1,770 | 2% |
| 31 | $83 | $159 | $1,912 | 8% |
| 32 | $78 | $141 | $1,696 | -11% |
| 33 | $74 | $132 | $1,580 | -7% |
| 34 | $75 | $139 | $1,664 | 5% |
| 35 | $72 | $128 | $1,539 | -8% |
| 36 | $77 | $138 | $1,656 | 8% |
| 37 | $74 | $131 | $1,574 | -5% |
| 38 | $76 | $132 | $1,580 | 0% |
| 39 | $73 | $129 | $1,548 | -2% |
| 40 | $78 | $138 | $1,659 | 7% |
| 41 | $72 | $128 | $1,534 | -8% |
| 42 | $69 | $128 | $1,540 | 0% |
| 43 | $70 | $133 | $1,595 | 4% |
| 44 | $68 | $126 | $1,515 | -5% |
| 45 | $72 | $131 | $1,575 | 4% |
| 46 | $73 | $128 | $1,538 | -2% |
| 47 | $72 | $126 | $1,509 | -2% |
| 48 | $72 | $125 | $1,497 | -1% |
| 49 | $68 | $126 | $1,507 | 1% |
| 50 | $70 | $120 | $1,440 | -4% |
| 51 | $67 | $122 | $1,460 | 1% |
| 52 | $70 | $117 | $1,410 | -3% |
| 53 | $70 | $124 | $1,487 | 5% |
| 54 | $61 | $113 | $1,352 | -9% |
| 55 | $63 | $108 | $1,301 | -4% |
| 56 | $61 | $107 | $1,282 | -1% |
| 57 | $67 | $122 | $1,465 | 14% |
| 58 | $60 | $107 | $1,284 | -12% |
| 59 | $61 | $109 | $1,306 | 2% |
| 60 | $62 | $107 | $1,282 | -2% |
| 61 | $65 | $114 | $1,368 | 7% |
| 62 | $60 | $110 | $1,325 | -3% |
| 63 | $64 | $115 | $1,385 | 5% |
| 64 | $62 | $110 | $1,326 | -4% |
| 65 | $58 | $102 | $1,227 | -7% |
| 66 | $64 | $112 | $1,340 | 9% |
| 67 | $62 | $104 | $1,250 | -7% |
| 68 | $55 | $108 | $1,294 | 4% |
| 69 | $59 | $99 | $1,189 | -8% |
| 70 | $66 | $118 | $1,420 | 19% |
| 71 | $71 | $114 | $1,367 | -4% |
| 72 | $63 | $107 | $1,289 | -6% |
| 73 | $68 | $115 | $1,382 | 7% |
| 74 | $72 | $124 | $1,482 | 7% |
| 75 | $64 | $110 | $1,318 | -11% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Indiana rates are affordable across all age groups; 16-year-olds average $324/mo, and by 30 the average falls to $148/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 | $121 | $195 | $2,340 | -18% |
| 18 | $133 | $235 | $2,822 | 21% |
| 19 | $126 | $226 | $2,710 | -4% |
| 20 | $105 | $196 | $2,347 | -13% |
| 21 | $106 | $180 | $2,161 | -8% |
| 22 | $77 | $149 | $1,787 | -17% |
| 23 | $67 | $112 | $1,340 | -25% |
| 24 | $73 | $131 | $1,575 | 18% |
| 25 | $65 | $116 | $1,389 | -12% |
| 26 | $66 | $117 | $1,400 | 1% |
| 27 | $69 | $124 | $1,489 | 6% |
| 28 | $65 | $119 | $1,431 | -4% |
| 29 | $65 | $126 | $1,514 | 6% |
| 30 | $66 | $114 | $1,370 | -10% |
| 31 | $63 | $113 | $1,351 | -1% |
| 32 | $65 | $124 | $1,486 | 10% |
| 33 | $62 | $109 | $1,311 | -12% |
| 34 | $59 | $108 | $1,294 | -1% |
| 35 | $58 | $106 | $1,271 | -2% |
| 36 | $54 | $87 | $1,047 | -18% |
| 37 | $57 | $100 | $1,201 | 15% |
| 38 | $50 | $89 | $1,066 | -11% |
| 39 | $56 | $95 | $1,139 | 7% |
| 40 | $56 | $99 | $1,190 | 4% |
| 41 | $57 | $106 | $1,270 | 7% |
| 42 | $53 | $98 | $1,173 | -8% |
| 43 | $60 | $100 | $1,196 | 2% |
| 44 | $51 | $95 | $1,146 | -4% |
| 45 | $54 | $98 | $1,180 | 3% |
| 46 | $53 | $93 | $1,114 | -6% |
| 47 | $58 | $97 | $1,166 | 5% |
| 48 | $54 | $88 | $1,051 | -10% |
| 49 | $52 | $93 | $1,112 | 6% |
| 50 | $47 | $88 | $1,050 | -6% |
| 51 | $48 | $90 | $1,080 | 3% |
| 52 | $53 | $91 | $1,091 | 1% |
| 53 | $50 | $94 | $1,125 | 3% |
| 54 | $50 | $84 | $1,009 | -10% |
| 55 | $48 | $83 | $1,001 | -1% |
| 56 | $52 | $90 | $1,079 | 8% |
| 57 | $52 | $88 | $1,051 | -3% |
| 58 | $52 | $84 | $1,010 | -4% |
| 59 | $41 | $83 | $997 | -1% |
| 60 | $52 | $85 | $1,024 | 3% |
| 61 | $46 | $78 | $934 | -9% |
| 62 | $39 | $73 | $873 | -7% |
| 63 | $45 | $75 | $898 | 3% |
| 64 | $40 | $74 | $888 | -1% |
| 65 | $44 | $85 | $1,015 | 14% |
| 66 | $41 | $75 | $904 | -11% |
| 67 | $31 | $60 | $723 | -20% |
| 68 | $44 | $83 | $1,002 | 39% |
| 69 | $37 | $78 | $931 | -7% |
| 70 | $51 | $97 | $1,169 | 26% |
| 71 | $58 | $89 | $1,068 | -9% |
| 72 | $42 | $81 | $973 | -9% |
| 73 | $49 | $77 | $930 | -4% |
| 74 | $45 | $83 | $991 | 7% |
| 75 | $45 | $81 | $975 | -2% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $111 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 | $181 | $295 | $3,540 | -9% |
| 18 | $174 | $329 | $3,948 | 12% |
| 19 | $149 | $273 | $3,276 | -17% |
| 20 | $150 | $271 | $3,249 | -1% |
| 21 | $127 | $245 | $2,941 | -9% |
| 22 | $126 | $232 | $2,784 | -5% |
| 23 | $113 | $205 | $2,455 | -12% |
| 24 | $105 | $182 | $2,182 | -11% |
| 25 | $102 | $185 | $2,215 | 2% |
| 26 | $97 | $170 | $2,046 | -8% |
| 27 | $98 | $180 | $2,166 | 6% |
| 28 | $82 | $151 | $1,818 | -16% |
| 29 | $84 | $153 | $1,832 | 1% |
| 30 | $87 | $170 | $2,037 | 11% |
| 31 | $88 | $162 | $1,947 | -4% |
| 32 | $88 | $158 | $1,898 | -3% |
| 33 | $84 | $153 | $1,835 | -3% |
| 34 | $85 | $146 | $1,750 | -5% |
| 35 | $83 | $149 | $1,784 | 2% |
| 36 | $79 | $152 | $1,828 | 2% |
| 37 | $81 | $145 | $1,737 | -5% |
| 38 | $76 | $144 | $1,733 | -0% |
| 39 | $75 | $137 | $1,639 | -5% |
| 40 | $76 | $136 | $1,636 | -0% |
| 41 | $70 | $128 | $1,538 | -6% |
| 42 | $78 | $137 | $1,648 | 7% |
| 43 | $76 | $132 | $1,588 | -4% |
| 44 | $78 | $137 | $1,644 | 4% |
| 45 | $74 | $133 | $1,597 | -3% |
| 46 | $71 | $131 | $1,568 | -2% |
| 47 | $73 | $140 | $1,679 | 7% |
| 48 | $73 | $138 | $1,662 | -1% |
| 49 | $72 | $125 | $1,500 | -10% |
| 50 | $74 | $133 | $1,594 | 6% |
| 51 | $69 | $128 | $1,538 | -4% |
| 52 | $69 | $123 | $1,475 | -4% |
| 53 | $71 | $131 | $1,571 | 6% |
| 54 | $66 | $116 | $1,387 | -12% |
| 55 | $70 | $134 | $1,606 | 16% |
| 56 | $63 | $113 | $1,356 | -16% |
| 57 | $67 | $122 | $1,458 | 8% |
| 58 | $66 | $111 | $1,333 | -9% |
| 59 | $66 | $119 | $1,431 | 7% |
| 60 | $64 | $105 | $1,259 | -12% |
| 61 | $68 | $117 | $1,399 | 11% |
| 62 | $63 | $110 | $1,321 | -6% |
| 63 | $74 | $122 | $1,465 | 11% |
| 64 | $63 | $111 | $1,336 | -9% |
| 65 | $61 | $111 | $1,330 | -0% |
| 66 | $65 | $120 | $1,442 | 8% |
| 67 | $71 | $130 | $1,561 | 8% |
| 68 | $64 | $113 | $1,361 | -13% |
| 69 | $68 | $114 | $1,364 | 0% |
| 70 | $53 | $94 | $1,128 | -17% |
| 71 | $77 | $144 | $1,725 | 53% |
| 72 | $61 | $109 | $1,310 | -24% |
| 73 | $70 | $124 | $1,492 | 14% |
| 74 | $69 | $124 | $1,483 | -1% |
| 75 | $61 | $106 | $1,275 | -14% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Kansas rates are below average across most age groups. Kansas-based 16-year-olds average $324/mo and rates fall to $111/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 | $309 | $507 | $6,088 | -12% |
| 18 | $265 | $452 | $5,420 | -11% |
| 19 | $257 | $543 | $6,515 | 20% |
| 20 | $238 | $543 | $6,522 | 0% |
| 21 | $225 | $479 | $5,744 | -12% |
| 22 | $201 | $428 | $5,136 | -11% |
| 23 | $184 | $379 | $4,546 | -11% |
| 24 | $173 | $373 | $4,474 | -2% |
| 25 | $174 | $359 | $4,309 | -4% |
| 26 | $180 | $380 | $4,560 | 6% |
| 27 | $158 | $337 | $4,045 | -11% |
| 28 | $160 | $340 | $4,079 | 1% |
| 29 | $159 | $339 | $4,069 | -0% |
| 30 | $149 | $320 | $3,837 | -6% |
| 31 | $149 | $332 | $3,987 | 4% |
| 32 | $149 | $314 | $3,773 | -5% |
| 33 | $152 | $320 | $3,836 | 2% |
| 34 | $142 | $323 | $3,874 | 1% |
| 35 | $139 | $303 | $3,631 | -6% |
| 36 | $138 | $304 | $3,654 | 1% |
| 37 | $136 | $304 | $3,650 | -0% |
| 38 | $139 | $310 | $3,723 | 2% |
| 39 | $135 | $303 | $3,634 | -2% |
| 40 | $138 | $302 | $3,619 | -0% |
| 41 | $140 | $331 | $3,971 | 10% |
| 42 | $127 | $288 | $3,457 | -13% |
| 43 | $131 | $297 | $3,568 | 3% |
| 44 | $128 | $283 | $3,394 | -5% |
| 45 | $127 | $302 | $3,626 | 7% |
| 46 | $126 | $281 | $3,371 | -7% |
| 47 | $132 | $304 | $3,646 | 8% |
| 48 | $122 | $264 | $3,162 | -13% |
| 49 | $126 | $294 | $3,530 | 12% |
| 50 | $125 | $265 | $3,175 | -10% |
| 51 | $122 | $262 | $3,142 | -1% |
| 52 | $122 | $258 | $3,100 | -1% |
| 53 | $114 | $246 | $2,946 | -5% |
| 54 | $115 | $252 | $3,025 | 3% |
| 55 | $123 | $256 | $3,078 | 2% |
| 56 | $111 | $240 | $2,882 | -6% |
| 57 | $116 | $262 | $3,149 | 9% |
| 58 | $111 | $226 | $2,715 | -14% |
| 59 | $117 | $246 | $2,950 | 9% |
| 60 | $114 | $254 | $3,050 | 3% |
| 61 | $117 | $249 | $2,989 | -2% |
| 62 | $118 | $264 | $3,164 | 6% |
| 63 | $115 | $253 | $3,032 | -4% |
| 64 | $118 | $246 | $2,953 | -3% |
| 65 | $117 | $262 | $3,140 | 6% |
| 66 | $108 | $220 | $2,638 | -16% |
| 67 | $110 | $220 | $2,642 | 0% |
| 68 | $102 | $200 | $2,402 | -9% |
| 69 | $122 | $251 | $3,013 | 25% |
| 70 | $115 | $258 | $3,101 | 3% |
| 71 | $127 | $290 | $3,476 | 12% |
| 72 | $118 | $237 | $2,845 | -18% |
| 73 | $121 | $256 | $3,069 | 8% |
| 74 | $112 | $224 | $2,686 | -12% |
| 75 | $116 | $230 | $2,759 | 3% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $230/mo at 75
Louisiana
Louisiana consistently ranks among the most expensive states for car insurance in the country. Its 16-year-olds average $858 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 | $434 | $858 | $10,292 | – |
| 17 | $402 | $773 | $9,273 | -10% |
| 18 | $308 | $585 | $7,025 | -24% |
| 19 | $272 | $570 | $6,837 | -3% |
| 20 | $266 | $556 | $6,672 | -2% |
| 21 | $224 | $473 | $5,674 | -15% |
| 22 | $202 | $415 | $4,983 | -12% |
| 23 | $198 | $400 | $4,805 | -4% |
| 24 | $190 | $384 | $4,604 | -4% |
| 25 | $168 | $347 | $4,160 | -10% |
| 26 | $162 | $337 | $4,042 | -3% |
| 27 | $156 | $333 | $3,998 | -1% |
| 28 | $145 | $307 | $3,682 | -8% |
| 29 | $142 | $309 | $3,710 | 1% |
| 30 | $151 | $321 | $3,850 | 4% |
| 31 | $141 | $306 | $3,666 | -5% |
| 32 | $150 | $319 | $3,834 | 5% |
| 33 | $148 | $312 | $3,749 | -2% |
| 34 | $146 | $329 | $3,946 | 5% |
| 35 | $140 | $321 | $3,856 | -2% |
| 36 | $143 | $305 | $3,664 | -5% |
| 37 | $145 | $305 | $3,655 | -0% |
| 38 | $133 | $285 | $3,421 | -6% |
| 39 | $144 | $301 | $3,609 | 5% |
| 40 | $132 | $286 | $3,430 | -5% |
| 41 | $135 | $285 | $3,426 | -0% |
| 42 | $132 | $280 | $3,361 | -2% |
| 43 | $132 | $287 | $3,442 | 2% |
| 44 | $137 | $293 | $3,516 | 2% |
| 45 | $124 | $258 | $3,100 | -12% |
| 46 | $131 | $282 | $3,382 | 9% |
| 47 | $121 | $268 | $3,216 | -5% |
| 48 | $129 | $288 | $3,457 | 8% |
| 49 | $122 | $265 | $3,177 | -8% |
| 50 | $123 | $261 | $3,137 | -1% |
| 51 | $133 | $304 | $3,648 | 16% |
| 52 | $111 | $250 | $2,994 | -18% |
| 53 | $119 | $269 | $3,232 | 8% |
| 54 | $118 | $249 | $2,987 | -8% |
| 55 | $116 | $263 | $3,155 | 6% |
| 56 | $103 | $238 | $2,857 | -9% |
| 57 | $114 | $238 | $2,857 | 0% |
| 58 | $114 | $247 | $2,967 | 4% |
| 59 | $105 | $225 | $2,695 | -9% |
| 60 | $113 | $256 | $3,078 | 14% |
| 61 | $104 | $229 | $2,749 | -11% |
| 62 | $95 | $215 | $2,579 | -6% |
| 63 | $106 | $231 | $2,777 | 8% |
| 64 | $111 | $230 | $2,755 | -1% |
| 65 | $112 | $249 | $2,984 | 8% |
| 66 | $107 | $220 | $2,641 | -11% |
| 67 | $100 | $215 | $2,584 | -2% |
| 68 | $116 | $239 | $2,866 | 11% |
| 69 | $115 | $241 | $2,894 | 1% |
| 70 | $104 | $218 | $2,612 | -10% |
| 71 | $110 | $222 | $2,659 | 2% |
| 72 | $115 | $244 | $2,925 | 10% |
| 73 | $124 | $245 | $2,946 | 1% |
| 74 | $107 | $225 | $2,700 | -8% |
| 75 | $115 | $246 | $2,949 | 9% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Louisiana 16-year-olds average $858/mo, one of the highest in the country. High litigation and weather costs keep rates elevated at every age, reaching $246/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 $135 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 | $189 | $310 | $3,721 | -20% |
| 19 | $187 | $309 | $3,710 | -0% |
| 20 | $161 | $268 | $3,219 | -13% |
| 21 | $142 | $237 | $2,844 | -12% |
| 22 | $111 | $196 | $2,356 | -17% |
| 23 | $91 | $165 | $1,977 | -16% |
| 24 | $106 | $178 | $2,131 | 8% |
| 25 | $89 | $149 | $1,791 | -16% |
| 26 | $84 | $146 | $1,751 | -2% |
| 27 | $83 | $152 | $1,821 | 4% |
| 28 | $92 | $146 | $1,755 | -4% |
| 29 | $79 | $129 | $1,545 | -12% |
| 30 | $83 | $135 | $1,617 | 5% |
| 31 | $79 | $126 | $1,514 | -6% |
| 32 | $67 | $108 | $1,290 | -15% |
| 33 | $77 | $126 | $1,514 | 17% |
| 34 | $76 | $128 | $1,537 | 2% |
| 35 | $67 | $118 | $1,413 | -8% |
| 36 | $69 | $112 | $1,340 | -5% |
| 37 | $68 | $117 | $1,402 | 5% |
| 38 | $63 | $103 | $1,233 | -12% |
| 39 | $63 | $120 | $1,441 | 17% |
| 40 | $73 | $116 | $1,387 | -4% |
| 41 | $66 | $118 | $1,417 | 2% |
| 42 | $58 | $99 | $1,183 | -17% |
| 43 | $62 | $111 | $1,330 | 12% |
| 44 | $55 | $105 | $1,258 | -5% |
| 45 | $60 | $98 | $1,176 | -7% |
| 46 | $60 | $109 | $1,309 | 11% |
| 47 | $59 | $104 | $1,244 | -5% |
| 48 | $50 | $90 | $1,075 | -14% |
| 49 | $56 | $96 | $1,152 | 7% |
| 50 | $62 | $107 | $1,280 | 11% |
| 51 | $55 | $100 | $1,203 | -6% |
| 52 | $60 | $100 | $1,201 | -0% |
| 53 | $52 | $89 | $1,062 | -12% |
| 54 | $64 | $116 | $1,386 | 31% |
| 55 | $67 | $100 | $1,200 | -13% |
| 56 | $54 | $84 | $1,012 | -16% |
| 57 | $51 | $83 | $996 | -2% |
| 58 | $61 | $97 | $1,162 | 17% |
| 59 | $60 | $106 | $1,268 | 9% |
| 60 | $48 | $77 | $928 | -27% |
| 61 | $53 | $87 | $1,049 | 13% |
| 62 | $56 | $100 | $1,206 | 15% |
| 63 | $56 | $90 | $1,086 | -10% |
| 64 | $52 | $88 | $1,059 | -2% |
| 65 | $51 | $86 | $1,036 | -2% |
| 66 | $48 | $75 | $897 | -13% |
| 67 | $48 | $77 | $929 | 4% |
| 68 | $44 | $71 | $849 | -9% |
| 69 | $58 | $96 | $1,156 | 36% |
| 70 | $45 | $82 | $986 | -15% |
| 71 | $61 | $94 | $1,127 | 14% |
| 72 | $51 | $79 | $944 | -16% |
| 73 | $54 | $79 | $951 | 1% |
| 74 | $45 | $71 | $849 | -11% |
| 75 | $46 | $77 | $925 | 9% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Maine offers some of the lowest rates in New England. By 30, the average is just $135/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 $968 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 | $403 | $968 | $11,622 | – |
| 17 | $498 | $938 | $11,258 | -3% |
| 18 | $411 | $840 | $10,080 | -10% |
| 19 | $362 | $689 | $8,264 | -18% |
| 20 | $345 | $665 | $7,983 | -3% |
| 21 | $307 | $586 | $7,031 | -12% |
| 22 | $257 | $512 | $6,148 | -13% |
| 23 | $258 | $497 | $5,967 | -3% |
| 24 | $239 | $456 | $5,470 | -8% |
| 25 | $234 | $436 | $5,236 | -4% |
| 26 | $216 | $397 | $4,759 | -9% |
| 27 | $208 | $380 | $4,558 | -4% |
| 28 | $204 | $397 | $4,760 | 4% |
| 29 | $207 | $374 | $4,493 | -6% |
| 30 | $210 | $362 | $4,349 | -3% |
| 31 | $204 | $356 | $4,268 | -2% |
| 32 | $190 | $332 | $3,980 | -7% |
| 33 | $196 | $354 | $4,244 | 7% |
| 34 | $189 | $334 | $4,008 | -6% |
| 35 | $197 | $345 | $4,141 | 3% |
| 36 | $191 | $342 | $4,099 | -1% |
| 37 | $178 | $320 | $3,835 | -6% |
| 38 | $188 | $331 | $3,972 | 4% |
| 39 | $182 | $321 | $3,852 | -3% |
| 40 | $177 | $305 | $3,654 | -5% |
| 41 | $178 | $326 | $3,914 | 7% |
| 42 | $166 | $297 | $3,567 | -9% |
| 43 | $173 | $330 | $3,957 | 11% |
| 44 | $172 | $294 | $3,532 | -11% |
| 45 | $172 | $290 | $3,481 | -1% |
| 46 | $172 | $322 | $3,864 | 11% |
| 47 | $163 | $291 | $3,496 | -10% |
| 48 | $165 | $283 | $3,396 | -3% |
| 49 | $166 | $300 | $3,595 | 6% |
| 50 | $170 | $297 | $3,568 | -1% |
| 51 | $152 | $266 | $3,189 | -11% |
| 52 | $171 | $289 | $3,468 | 9% |
| 53 | $156 | $266 | $3,198 | -8% |
| 54 | $158 | $272 | $3,268 | 2% |
| 55 | $152 | $274 | $3,286 | 1% |
| 56 | $151 | $277 | $3,328 | 1% |
| 57 | $151 | $272 | $3,261 | -2% |
| 58 | $146 | $246 | $2,948 | -10% |
| 59 | $160 | $279 | $3,347 | 14% |
| 60 | $147 | $280 | $3,359 | 0% |
| 61 | $140 | $255 | $3,060 | -9% |
| 62 | $143 | $255 | $3,055 | -0% |
| 63 | $137 | $242 | $2,900 | -5% |
| 64 | $153 | $262 | $3,149 | 9% |
| 65 | $149 | $250 | $3,003 | -5% |
| 66 | $152 | $261 | $3,127 | 4% |
| 67 | $145 | $258 | $3,091 | -1% |
| 68 | $147 | $245 | $2,938 | -5% |
| 69 | $153 | $281 | $3,378 | 15% |
| 70 | $134 | $237 | $2,839 | -16% |
| 71 | $177 | $313 | $3,762 | 33% |
| 72 | $168 | $289 | $3,466 | -8% |
| 73 | $154 | $283 | $3,401 | -2% |
| 74 | $145 | $271 | $3,252 | -4% |
| 75 | $150 | $263 | $3,155 | -3% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Maryland 16-year-olds average over $968/mo, among the highest nationally. Rates improve with age but stay elevated. By 65, the average is $250/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 $493 per month, and rates fall to $150 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 | $493 | $5,917 | – |
| 17 | $361 | $582 | $6,982 | 18% |
| 18 | $361 | $541 | $6,494 | -7% |
| 19 | $345 | $548 | $6,575 | 1% |
| 20 | $299 | $504 | $6,051 | -8% |
| 21 | $301 | $531 | $6,376 | 5% |
| 22 | $253 | $448 | $5,375 | -16% |
| 23 | $222 | $387 | $4,638 | -14% |
| 24 | $209 | $377 | $4,521 | -3% |
| 25 | $189 | $364 | $4,368 | -3% |
| 26 | $184 | $345 | $4,136 | -5% |
| 27 | $176 | $353 | $4,240 | 2% |
| 28 | $171 | $328 | $3,934 | -7% |
| 29 | $158 | $296 | $3,557 | -10% |
| 30 | $154 | $287 | $3,448 | -3% |
| 31 | $153 | $282 | $3,387 | -2% |
| 32 | $152 | $275 | $3,302 | -3% |
| 33 | $141 | $269 | $3,233 | -2% |
| 34 | $136 | $248 | $2,978 | -8% |
| 35 | $138 | $249 | $2,982 | 0% |
| 36 | $133 | $244 | $2,929 | -2% |
| 37 | $125 | $217 | $2,601 | -11% |
| 38 | $130 | $234 | $2,813 | 8% |
| 39 | $125 | $224 | $2,693 | -4% |
| 40 | $125 | $221 | $2,653 | -2% |
| 41 | $122 | $219 | $2,626 | -1% |
| 42 | $119 | $211 | $2,533 | -4% |
| 43 | $123 | $218 | $2,620 | 3% |
| 44 | $120 | $218 | $2,612 | -0% |
| 45 | $120 | $209 | $2,505 | -4% |
| 46 | $123 | $216 | $2,593 | 4% |
| 47 | $113 | $189 | $2,269 | -13% |
| 48 | $117 | $197 | $2,364 | 4% |
| 49 | $120 | $206 | $2,472 | 5% |
| 50 | $118 | $197 | $2,369 | -4% |
| 51 | $108 | $186 | $2,232 | -6% |
| 52 | $119 | $195 | $2,339 | 5% |
| 53 | $114 | $198 | $2,377 | 2% |
| 54 | $109 | $195 | $2,337 | -2% |
| 55 | $107 | $209 | $2,505 | 7% |
| 56 | $109 | $170 | $2,045 | -18% |
| 57 | $108 | $177 | $2,120 | 4% |
| 58 | $117 | $201 | $2,412 | 14% |
| 59 | $103 | $182 | $2,181 | -10% |
| 60 | $106 | $182 | $2,189 | 0% |
| 61 | $103 | $168 | $2,012 | -8% |
| 62 | $99 | $169 | $2,024 | 1% |
| 63 | $105 | $175 | $2,106 | 4% |
| 64 | $100 | $183 | $2,195 | 4% |
| 65 | $87 | $150 | $1,805 | -18% |
| 66 | $86 | $145 | $1,735 | -4% |
| 67 | $83 | $134 | $1,609 | -7% |
| 68 | $97 | $169 | $2,026 | 26% |
| 69 | $91 | $159 | $1,903 | -6% |
| 70 | $99 | $168 | $2,016 | 6% |
| 71 | $94 | $151 | $1,818 | -10% |
| 72 | $86 | $149 | $1,783 | -2% |
| 73 | $91 | $155 | $1,856 | 4% |
| 74 | $94 | $151 | $1,810 | -2% |
| 75 | $100 | $135 | $1,621 | -10% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $493/mo. Rates drop significantly with age, reaching $150/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 $757 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 | $371 | $757 | $9,079 | – |
| 17 | $298 | $544 | $6,531 | -28% |
| 18 | $284 | $534 | $6,409 | -2% |
| 19 | $256 | $487 | $5,841 | -9% |
| 20 | $215 | $425 | $5,100 | -13% |
| 21 | $200 | $372 | $4,466 | -12% |
| 22 | $173 | $334 | $4,010 | -10% |
| 23 | $170 | $322 | $3,861 | -4% |
| 24 | $164 | $317 | $3,806 | -1% |
| 25 | $155 | $301 | $3,613 | -5% |
| 26 | $146 | $269 | $3,222 | -11% |
| 27 | $153 | $281 | $3,372 | 5% |
| 28 | $142 | $269 | $3,226 | -4% |
| 29 | $145 | $260 | $3,116 | -3% |
| 30 | $148 | $272 | $3,260 | 5% |
| 31 | $139 | $266 | $3,195 | -2% |
| 32 | $136 | $252 | $3,028 | -5% |
| 33 | $132 | $240 | $2,875 | -5% |
| 34 | $128 | $242 | $2,905 | 1% |
| 35 | $139 | $268 | $3,213 | 11% |
| 36 | $138 | $257 | $3,082 | -4% |
| 37 | $137 | $251 | $3,014 | -2% |
| 38 | $127 | $235 | $2,821 | -6% |
| 39 | $136 | $254 | $3,047 | 8% |
| 40 | $126 | $235 | $2,824 | -7% |
| 41 | $126 | $231 | $2,768 | -2% |
| 42 | $130 | $233 | $2,801 | 1% |
| 43 | $130 | $234 | $2,806 | 0% |
| 44 | $124 | $229 | $2,746 | -2% |
| 45 | $127 | $244 | $2,934 | 7% |
| 46 | $128 | $238 | $2,851 | -3% |
| 47 | $132 | $238 | $2,858 | 0% |
| 48 | $128 | $237 | $2,840 | -1% |
| 49 | $134 | $240 | $2,879 | 1% |
| 50 | $128 | $238 | $2,860 | -1% |
| 51 | $132 | $249 | $2,990 | 5% |
| 52 | $127 | $244 | $2,922 | -2% |
| 53 | $128 | $234 | $2,812 | -4% |
| 54 | $125 | $233 | $2,794 | -1% |
| 55 | $127 | $248 | $2,971 | 6% |
| 56 | $125 | $242 | $2,907 | -2% |
| 57 | $126 | $240 | $2,880 | -1% |
| 58 | $113 | $213 | $2,554 | -11% |
| 59 | $121 | $229 | $2,749 | 8% |
| 60 | $122 | $229 | $2,744 | -0% |
| 61 | $117 | $227 | $2,729 | -1% |
| 62 | $116 | $220 | $2,637 | -3% |
| 63 | $110 | $208 | $2,492 | -5% |
| 64 | $105 | $189 | $2,273 | -9% |
| 65 | $110 | $213 | $2,557 | 13% |
| 66 | $108 | $201 | $2,406 | -6% |
| 67 | $118 | $214 | $2,566 | 7% |
| 68 | $114 | $215 | $2,585 | 1% |
| 69 | $105 | $205 | $2,455 | -5% |
| 70 | $110 | $201 | $2,408 | -2% |
| 71 | $123 | $246 | $2,949 | 22% |
| 72 | $114 | $219 | $2,624 | -11% |
| 73 | $114 | $215 | $2,575 | -2% |
| 74 | $117 | $203 | $2,436 | -5% |
| 75 | $110 | $212 | $2,548 | 5% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Michigan rates are above average at every age due to PIP requirements; 16-year-olds average $757/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 | $245 | $431 | $5,174 | 28% |
| 18 | $228 | $426 | $5,112 | -1% |
| 19 | $214 | $394 | $4,725 | -8% |
| 20 | $165 | $330 | $3,955 | -16% |
| 21 | $135 | $267 | $3,208 | -19% |
| 22 | $131 | $260 | $3,122 | -3% |
| 23 | $118 | $219 | $2,630 | -16% |
| 24 | $112 | $204 | $2,446 | -7% |
| 25 | $111 | $208 | $2,496 | 2% |
| 26 | $111 | $206 | $2,467 | -1% |
| 27 | $118 | $208 | $2,498 | 1% |
| 28 | $108 | $201 | $2,407 | -4% |
| 29 | $117 | $213 | $2,556 | 6% |
| 30 | $116 | $215 | $2,586 | 1% |
| 31 | $97 | $188 | $2,256 | -13% |
| 32 | $93 | $177 | $2,120 | -6% |
| 33 | $105 | $204 | $2,445 | 15% |
| 34 | $97 | $199 | $2,388 | -2% |
| 35 | $92 | $170 | $2,041 | -15% |
| 36 | $94 | $179 | $2,146 | 5% |
| 37 | $91 | $165 | $1,983 | -8% |
| 38 | $83 | $158 | $1,898 | -4% |
| 39 | $86 | $150 | $1,797 | -5% |
| 40 | $90 | $165 | $1,979 | 10% |
| 41 | $89 | $167 | $2,005 | 1% |
| 42 | $87 | $151 | $1,810 | -10% |
| 43 | $83 | $147 | $1,769 | -2% |
| 44 | $83 | $148 | $1,781 | 1% |
| 45 | $82 | $157 | $1,883 | 6% |
| 46 | $79 | $144 | $1,724 | -8% |
| 47 | $89 | $158 | $1,892 | 10% |
| 48 | $88 | $158 | $1,893 | 0% |
| 49 | $85 | $163 | $1,953 | 3% |
| 50 | $79 | $133 | $1,595 | -18% |
| 51 | $89 | $157 | $1,889 | 18% |
| 52 | $90 | $152 | $1,828 | -3% |
| 53 | $94 | $165 | $1,976 | 8% |
| 54 | $84 | $154 | $1,848 | -6% |
| 55 | $83 | $141 | $1,697 | -8% |
| 56 | $81 | $142 | $1,708 | 1% |
| 57 | $81 | $138 | $1,659 | -3% |
| 58 | $73 | $128 | $1,532 | -8% |
| 59 | $76 | $136 | $1,632 | 7% |
| 60 | $76 | $134 | $1,609 | -1% |
| 61 | $77 | $124 | $1,482 | -8% |
| 62 | $72 | $123 | $1,478 | -0% |
| 63 | $78 | $132 | $1,584 | 7% |
| 64 | $67 | $114 | $1,363 | -14% |
| 65 | $63 | $114 | $1,370 | 1% |
| 66 | $64 | $104 | $1,249 | -9% |
| 67 | $71 | $113 | $1,357 | 9% |
| 68 | $58 | $97 | $1,167 | -14% |
| 69 | $78 | $136 | $1,636 | 40% |
| 70 | $80 | $130 | $1,561 | -5% |
| 71 | $79 | $130 | $1,565 | 0% |
| 72 | $68 | $129 | $1,547 | -1% |
| 73 | $69 | $107 | $1,278 | -17% |
| 74 | $71 | $122 | $1,465 | 15% |
| 75 | $74 | $118 | $1,420 | -3% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 24% at age 18 and continue rising through age 20, peaking at $419 per month before falling sharply. Mississippi-based 16-year-olds start at $304 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 | $179 | $304 | $3,644 | – |
| 17 | $144 | $287 | $3,443 | -6% |
| 18 | $174 | $355 | $4,264 | 24% |
| 19 | $168 | $411 | $4,931 | 16% |
| 20 | $159 | $419 | $5,031 | 2% |
| 21 | $134 | $380 | $4,555 | -9% |
| 22 | $132 | $336 | $4,029 | -12% |
| 23 | $121 | $292 | $3,502 | -13% |
| 24 | $112 | $274 | $3,291 | -6% |
| 25 | $105 | $271 | $3,254 | -1% |
| 26 | $100 | $273 | $3,272 | 1% |
| 27 | $103 | $275 | $3,297 | 1% |
| 28 | $100 | $268 | $3,211 | -3% |
| 29 | $91 | $228 | $2,731 | -15% |
| 30 | $87 | $228 | $2,738 | 0% |
| 31 | $90 | $252 | $3,027 | 11% |
| 32 | $88 | $238 | $2,855 | -6% |
| 33 | $91 | $265 | $3,177 | 11% |
| 34 | $88 | $231 | $2,774 | -13% |
| 35 | $90 | $240 | $2,876 | 4% |
| 36 | $80 | $223 | $2,677 | -7% |
| 37 | $82 | $214 | $2,563 | -4% |
| 38 | $81 | $213 | $2,557 | -0% |
| 39 | $83 | $226 | $2,712 | 6% |
| 40 | $81 | $213 | $2,551 | -6% |
| 41 | $80 | $228 | $2,738 | 7% |
| 42 | $78 | $211 | $2,532 | -8% |
| 43 | $81 | $212 | $2,543 | 0% |
| 44 | $80 | $217 | $2,599 | 2% |
| 45 | $79 | $225 | $2,702 | 4% |
| 46 | $80 | $227 | $2,725 | 1% |
| 47 | $80 | $219 | $2,624 | -4% |
| 48 | $80 | $227 | $2,722 | 4% |
| 49 | $76 | $196 | $2,355 | -13% |
| 50 | $76 | $192 | $2,307 | -2% |
| 51 | $75 | $204 | $2,452 | 6% |
| 52 | $74 | $202 | $2,424 | -1% |
| 53 | $75 | $192 | $2,300 | -5% |
| 54 | $74 | $182 | $2,186 | -5% |
| 55 | $75 | $191 | $2,296 | 5% |
| 56 | $74 | $188 | $2,250 | -2% |
| 57 | $72 | $180 | $2,164 | -4% |
| 58 | $68 | $173 | $2,076 | -4% |
| 59 | $77 | $190 | $2,284 | 10% |
| 60 | $69 | $158 | $1,901 | -17% |
| 61 | $73 | $191 | $2,287 | 20% |
| 62 | $74 | $185 | $2,220 | -3% |
| 63 | $68 | $152 | $1,829 | -18% |
| 64 | $73 | $183 | $2,200 | 20% |
| 65 | $72 | $156 | $1,878 | -15% |
| 66 | $68 | $165 | $1,976 | 5% |
| 67 | $64 | $146 | $1,756 | -11% |
| 68 | $69 | $160 | $1,919 | 9% |
| 69 | $65 | $154 | $1,844 | -4% |
| 70 | $67 | $145 | $1,737 | -6% |
| 71 | $71 | $153 | $1,830 | 5% |
| 72 | $77 | $186 | $2,230 | 22% |
| 73 | $87 | $262 | $3,139 | 41% |
| 74 | $88 | $237 | $2,840 | -10% |
| 75 | $78 | $198 | $2,375 | -16% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $419/mo at age 20. After that, rates decline steadily, reaching $156/mo by age 65.
Missouri
Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $622 and $531 per month between ages 16 and 20. The overall trend is downward, and by 30 the average settles to a more consistent $241 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 | $328 | $622 | $7,462 | – |
| 17 | $229 | $394 | $4,722 | -37% |
| 18 | $272 | $525 | $6,301 | 33% |
| 19 | $219 | $407 | $4,878 | -23% |
| 20 | $247 | $531 | $6,374 | 31% |
| 21 | $181 | $351 | $4,212 | -34% |
| 22 | $171 | $323 | $3,881 | -8% |
| 23 | $153 | $301 | $3,616 | -7% |
| 24 | $147 | $269 | $3,233 | -11% |
| 25 | $150 | $278 | $3,334 | 3% |
| 26 | $141 | $251 | $3,012 | -10% |
| 27 | $138 | $256 | $3,069 | 2% |
| 28 | $129 | $236 | $2,830 | -8% |
| 29 | $138 | $255 | $3,064 | 8% |
| 30 | $134 | $241 | $2,898 | -5% |
| 31 | $117 | $230 | $2,764 | -5% |
| 32 | $133 | $246 | $2,951 | 7% |
| 33 | $121 | $223 | $2,673 | -9% |
| 34 | $125 | $238 | $2,862 | 7% |
| 35 | $126 | $229 | $2,743 | -4% |
| 36 | $116 | $217 | $2,599 | -5% |
| 37 | $118 | $220 | $2,645 | 2% |
| 38 | $119 | $226 | $2,716 | 3% |
| 39 | $116 | $206 | $2,468 | -9% |
| 40 | $118 | $207 | $2,483 | 1% |
| 41 | $115 | $212 | $2,541 | 2% |
| 42 | $106 | $199 | $2,392 | -6% |
| 43 | $110 | $194 | $2,333 | -2% |
| 44 | $112 | $198 | $2,374 | 2% |
| 45 | $115 | $208 | $2,498 | 5% |
| 46 | $109 | $209 | $2,506 | 0% |
| 47 | $116 | $204 | $2,444 | -2% |
| 48 | $105 | $203 | $2,439 | -0% |
| 49 | $110 | $203 | $2,430 | -0% |
| 50 | $108 | $198 | $2,372 | -2% |
| 51 | $102 | $185 | $2,224 | -6% |
| 52 | $110 | $213 | $2,559 | 15% |
| 53 | $95 | $173 | $2,080 | -19% |
| 54 | $102 | $182 | $2,184 | 5% |
| 55 | $107 | $186 | $2,234 | 2% |
| 56 | $89 | $170 | $2,036 | -9% |
| 57 | $95 | $172 | $2,061 | 1% |
| 58 | $92 | $173 | $2,075 | 1% |
| 59 | $97 | $175 | $2,097 | 1% |
| 60 | $102 | $183 | $2,195 | 5% |
| 61 | $107 | $183 | $2,194 | -0% |
| 62 | $95 | $166 | $1,996 | -9% |
| 63 | $101 | $187 | $2,249 | 13% |
| 64 | $94 | $170 | $2,042 | -9% |
| 65 | $86 | $163 | $1,954 | -4% |
| 66 | $96 | $177 | $2,124 | 9% |
| 67 | $89 | $167 | $2,002 | -6% |
| 68 | $90 | $158 | $1,902 | -5% |
| 69 | $95 | $177 | $2,125 | 12% |
| 70 | $90 | $165 | $1,974 | -7% |
| 71 | $103 | $188 | $2,255 | 14% |
| 72 | $93 | $163 | $1,961 | -13% |
| 73 | $105 | $188 | $2,252 | 15% |
| 74 | $83 | $141 | $1,686 | -25% |
| 75 | $91 | $147 | $1,767 | 5% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Missouri teen rates are volatile year to year but trend downward. By 30 the average is $241/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 | $205 | $2,464 | 25% |
| 19 | $127 | $223 | $2,680 | 9% |
| 20 | $91 | $207 | $2,480 | -7% |
| 21 | $95 | $167 | $2,001 | -19% |
| 22 | $97 | $197 | $2,359 | 18% |
| 23 | $80 | $141 | $1,692 | -28% |
| 24 | $74 | $140 | $1,679 | -1% |
| 25 | $77 | $150 | $1,798 | 7% |
| 26 | $69 | $147 | $1,770 | -2% |
| 27 | $76 | $142 | $1,710 | -3% |
| 28 | $72 | $150 | $1,795 | 5% |
| 29 | $70 | $141 | $1,695 | -6% |
| 30 | $73 | $150 | $1,797 | 6% |
| 31 | $61 | $123 | $1,478 | -18% |
| 32 | $73 | $164 | $1,965 | 33% |
| 33 | $70 | $134 | $1,602 | -18% |
| 34 | $64 | $131 | $1,569 | -2% |
| 35 | $77 | $146 | $1,748 | 11% |
| 36 | $69 | $119 | $1,434 | -18% |
| 37 | $58 | $125 | $1,506 | 5% |
| 38 | $62 | $116 | $1,395 | -7% |
| 39 | $64 | $137 | $1,646 | 18% |
| 40 | $60 | $130 | $1,558 | -5% |
| 41 | $64 | $136 | $1,637 | 5% |
| 42 | $71 | $129 | $1,553 | -5% |
| 43 | $67 | $136 | $1,627 | 5% |
| 44 | $61 | $112 | $1,345 | -17% |
| 45 | $68 | $119 | $1,424 | 6% |
| 46 | $60 | $118 | $1,412 | -1% |
| 47 | $58 | $133 | $1,597 | 13% |
| 48 | $64 | $112 | $1,349 | -16% |
| 49 | $68 | $125 | $1,500 | 11% |
| 50 | $67 | $132 | $1,586 | 6% |
| 51 | $66 | $131 | $1,577 | -1% |
| 52 | $72 | $128 | $1,534 | -3% |
| 53 | $59 | $125 | $1,500 | -2% |
| 54 | $59 | $109 | $1,305 | -13% |
| 55 | $58 | $111 | $1,330 | 2% |
| 56 | $68 | $118 | $1,419 | 7% |
| 57 | $54 | $90 | $1,076 | -24% |
| 58 | $65 | $126 | $1,511 | 40% |
| 59 | $60 | $113 | $1,358 | -10% |
| 60 | $61 | $105 | $1,256 | -8% |
| 61 | $60 | $111 | $1,333 | 6% |
| 62 | $56 | $107 | $1,278 | -4% |
| 63 | $62 | $106 | $1,271 | -1% |
| 64 | $52 | $99 | $1,193 | -6% |
| 65 | $62 | $112 | $1,346 | 13% |
| 66 | $57 | $112 | $1,346 | -0% |
| 67 | $50 | $97 | $1,161 | -14% |
| 68 | $74 | $126 | $1,518 | 31% |
| 69 | $50 | $96 | $1,149 | -24% |
| 70 | $60 | $112 | $1,341 | 17% |
| 71 | $61 | $101 | $1,217 | -9% |
| 72 | $51 | $91 | $1,097 | -10% |
| 73 | $67 | $107 | $1,288 | 17% |
| 74 | $89 | $192 | $2,304 | 79% |
| 75 | $64 | $118 | $1,418 | -38% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $118/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 $179 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 | $258 | $384 | $4,607 | -18% |
| 18 | $191 | $375 | $4,502 | -2% |
| 19 | $172 | $317 | $3,799 | -16% |
| 20 | $174 | $337 | $4,047 | 7% |
| 21 | $139 | $273 | $3,270 | -19% |
| 22 | $134 | $243 | $2,913 | -11% |
| 23 | $116 | $230 | $2,761 | -5% |
| 24 | $124 | $244 | $2,933 | 6% |
| 25 | $106 | $231 | $2,771 | -6% |
| 26 | $109 | $204 | $2,452 | -12% |
| 27 | $106 | $210 | $2,517 | 3% |
| 28 | $96 | $201 | $2,409 | -4% |
| 29 | $109 | $211 | $2,530 | 5% |
| 30 | $88 | $179 | $2,146 | -15% |
| 31 | $92 | $193 | $2,314 | 8% |
| 32 | $90 | $180 | $2,157 | -7% |
| 33 | $99 | $201 | $2,407 | 12% |
| 34 | $89 | $173 | $2,077 | -14% |
| 35 | $86 | $177 | $2,129 | 2% |
| 36 | $78 | $165 | $1,983 | -7% |
| 37 | $89 | $191 | $2,291 | 15% |
| 38 | $87 | $178 | $2,130 | -7% |
| 39 | $84 | $164 | $1,967 | -8% |
| 40 | $84 | $185 | $2,218 | 13% |
| 41 | $84 | $188 | $2,261 | 2% |
| 42 | $78 | $152 | $1,824 | -19% |
| 43 | $84 | $169 | $2,023 | 11% |
| 44 | $83 | $168 | $2,014 | -0% |
| 45 | $82 | $192 | $2,307 | 15% |
| 46 | $82 | $155 | $1,862 | -19% |
| 47 | $78 | $163 | $1,951 | 5% |
| 48 | $73 | $167 | $2,007 | 3% |
| 49 | $76 | $164 | $1,963 | -2% |
| 50 | $88 | $171 | $2,052 | 5% |
| 51 | $68 | $155 | $1,854 | -10% |
| 52 | $79 | $160 | $1,915 | 3% |
| 53 | $67 | $127 | $1,527 | -20% |
| 54 | $79 | $146 | $1,747 | 14% |
| 55 | $67 | $144 | $1,731 | -1% |
| 56 | $70 | $142 | $1,708 | -1% |
| 57 | $58 | $115 | $1,379 | -19% |
| 58 | $79 | $168 | $2,020 | 46% |
| 59 | $73 | $147 | $1,759 | -13% |
| 60 | $69 | $134 | $1,606 | -9% |
| 61 | $58 | $133 | $1,592 | -1% |
| 62 | $79 | $142 | $1,702 | 7% |
| 63 | $65 | $133 | $1,593 | -6% |
| 64 | $64 | $125 | $1,504 | -6% |
| 65 | $71 | $150 | $1,798 | 20% |
| 66 | $60 | $121 | $1,448 | -19% |
| 67 | $123 | $263 | $3,161 | 118% |
| 68 | $82 | $154 | $1,844 | -42% |
| 69 | $74 | $132 | $1,582 | -14% |
| 70 | $72 | $129 | $1,550 | -2% |
| 71 | $58 | $118 | $1,411 | -9% |
| 72 | $62 | $118 | $1,421 | 1% |
| 73 | $87 | $168 | $2,022 | 42% |
| 74 | $117 | $217 | $2,603 | 29% |
| 75 | $69 | $115 | $1,378 | -47% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Nebraska 16-year-olds average $467/mo, below average for teens. By 30, rates drop to $179/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 | $411 | $751 | $9,018 | -24% |
| 18 | $408 | $762 | $9,144 | 1% |
| 19 | $473 | $833 | $9,990 | 9% |
| 20 | $385 | $734 | $8,809 | -12% |
| 21 | $347 | $646 | $7,757 | -12% |
| 22 | $302 | $552 | $6,624 | -15% |
| 23 | $279 | $528 | $6,339 | -4% |
| 24 | $254 | $482 | $5,784 | -9% |
| 25 | $229 | $447 | $5,361 | -7% |
| 26 | $217 | $416 | $4,991 | -7% |
| 27 | $218 | $416 | $4,991 | 0% |
| 28 | $213 | $409 | $4,903 | -2% |
| 29 | $227 | $419 | $5,027 | 3% |
| 30 | $213 | $407 | $4,885 | -3% |
| 31 | $206 | $396 | $4,749 | -3% |
| 32 | $205 | $392 | $4,705 | -1% |
| 33 | $201 | $388 | $4,654 | -1% |
| 34 | $209 | $388 | $4,658 | 0% |
| 35 | $202 | $376 | $4,516 | -3% |
| 36 | $200 | $380 | $4,555 | 1% |
| 37 | $196 | $373 | $4,481 | -2% |
| 38 | $189 | $354 | $4,248 | -5% |
| 39 | $190 | $358 | $4,292 | 1% |
| 40 | $187 | $359 | $4,303 | 0% |
| 41 | $189 | $370 | $4,445 | 3% |
| 42 | $180 | $351 | $4,211 | -5% |
| 43 | $186 | $359 | $4,304 | 2% |
| 44 | $190 | $351 | $4,212 | -2% |
| 45 | $188 | $360 | $4,317 | 2% |
| 46 | $171 | $327 | $3,925 | -9% |
| 47 | $176 | $348 | $4,172 | 6% |
| 48 | $186 | $362 | $4,346 | 4% |
| 49 | $179 | $340 | $4,078 | -6% |
| 50 | $178 | $334 | $4,005 | -2% |
| 51 | $171 | $328 | $3,933 | -2% |
| 52 | $177 | $337 | $4,046 | 3% |
| 53 | $170 | $337 | $4,044 | -0% |
| 54 | $173 | $327 | $3,925 | -3% |
| 55 | $168 | $319 | $3,829 | -2% |
| 56 | $169 | $317 | $3,806 | -1% |
| 57 | $166 | $311 | $3,727 | -2% |
| 58 | $151 | $282 | $3,385 | -9% |
| 59 | $152 | $278 | $3,332 | -2% |
| 60 | $153 | $285 | $3,417 | 3% |
| 61 | $163 | $294 | $3,527 | 3% |
| 62 | $165 | $299 | $3,583 | 2% |
| 63 | $161 | $298 | $3,581 | -0% |
| 64 | $147 | $271 | $3,250 | -9% |
| 65 | $150 | $283 | $3,399 | 5% |
| 66 | $160 | $291 | $3,493 | 3% |
| 67 | $160 | $292 | $3,503 | 0% |
| 68 | $161 | $302 | $3,629 | 4% |
| 69 | $170 | $324 | $3,884 | 7% |
| 70 | $173 | $319 | $3,831 | -1% |
| 71 | $141 | $262 | $3,148 | -18% |
| 72 | $169 | $307 | $3,682 | 17% |
| 73 | $167 | $306 | $3,667 | -0% |
| 74 | $168 | $302 | $3,626 | -1% |
| 75 | $179 | $333 | $4,001 | 10% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $410 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 | $239 | $410 | $4,915 | – |
| 17 | $251 | $405 | $4,863 | -1% |
| 18 | $184 | $298 | $3,572 | -27% |
| 19 | $244 | $370 | $4,444 | 24% |
| 20 | $149 | $252 | $3,029 | -32% |
| 21 | $104 | $181 | $2,176 | -28% |
| 22 | $110 | $187 | $2,247 | 3% |
| 23 | $76 | $138 | $1,661 | -26% |
| 24 | $88 | $155 | $1,856 | 12% |
| 25 | $83 | $137 | $1,638 | -12% |
| 26 | $76 | $129 | $1,545 | -6% |
| 27 | $86 | $128 | $1,532 | -1% |
| 28 | $76 | $147 | $1,762 | 15% |
| 29 | $60 | $101 | $1,206 | -32% |
| 30 | $76 | $126 | $1,512 | 25% |
| 31 | $80 | $120 | $1,437 | -5% |
| 32 | $63 | $108 | $1,300 | -10% |
| 33 | $68 | $126 | $1,517 | 17% |
| 34 | $65 | $108 | $1,297 | -15% |
| 35 | $72 | $118 | $1,419 | 9% |
| 36 | $50 | $101 | $1,208 | -15% |
| 37 | $58 | $103 | $1,235 | 2% |
| 38 | $62 | $99 | $1,184 | -4% |
| 39 | $61 | $101 | $1,206 | 2% |
| 40 | $61 | $103 | $1,238 | 3% |
| 41 | $59 | $110 | $1,318 | 7% |
| 42 | $61 | $125 | $1,498 | 14% |
| 43 | $58 | $103 | $1,231 | -18% |
| 44 | $64 | $101 | $1,212 | -1% |
| 45 | $60 | $94 | $1,126 | -7% |
| 46 | $56 | $97 | $1,167 | 4% |
| 47 | $52 | $84 | $1,003 | -14% |
| 48 | $62 | $94 | $1,130 | 13% |
| 49 | $70 | $105 | $1,254 | 11% |
| 50 | $50 | $81 | $973 | -22% |
| 51 | $55 | $100 | $1,200 | 23% |
| 52 | $54 | $89 | $1,073 | -11% |
| 53 | $51 | $98 | $1,182 | 10% |
| 54 | $52 | $91 | $1,094 | -7% |
| 55 | $58 | $102 | $1,221 | 12% |
| 56 | $53 | $73 | $877 | -28% |
| 57 | $55 | $104 | $1,254 | 43% |
| 58 | $48 | $83 | $990 | -21% |
| 59 | $44 | $69 | $828 | -16% |
| 60 | $51 | $96 | $1,150 | 39% |
| 61 | $59 | $101 | $1,207 | 5% |
| 62 | $48 | $88 | $1,059 | -12% |
| 63 | $46 | $89 | $1,070 | 1% |
| 64 | $61 | $111 | $1,335 | 25% |
| 65 | $48 | $93 | $1,119 | -16% |
| 66 | $48 | $81 | $975 | -13% |
| 67 | $52 | $88 | $1,057 | 8% |
| 68 | $49 | $77 | $928 | -12% |
| 69 | $52 | $83 | $992 | 7% |
| 70 | $46 | $80 | $961 | -3% |
| 71 | $43 | $69 | $832 | -13% |
| 72 | $58 | $92 | $1,100 | 32% |
| 73 | $38 | $62 | $745 | -32% |
| 74 | $50 | $90 | $1,074 | 44% |
| 75 | $59 | $92 | $1,099 | 2% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: New Hampshire is the only state without a mandatory insurance requirement. Here, rates for 16-year-olds average $410/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 $983 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $235 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 | $590 | $983 | $11,793 | – |
| 18 | $591 | $933 | $11,190 | -5% |
| 19 | $480 | $795 | $9,542 | -15% |
| 20 | $386 | $647 | $7,767 | -19% |
| 21 | $314 | $517 | $6,199 | -20% |
| 22 | $271 | $451 | $5,409 | -13% |
| 23 | $244 | $411 | $4,938 | -9% |
| 24 | $244 | $422 | $5,061 | 3% |
| 25 | $211 | $363 | $4,354 | -14% |
| 26 | $214 | $365 | $4,376 | 1% |
| 27 | $208 | $350 | $4,205 | -4% |
| 28 | $205 | $344 | $4,133 | -2% |
| 29 | $214 | $354 | $4,254 | 3% |
| 30 | $192 | $317 | $3,809 | -10% |
| 31 | $193 | $329 | $3,946 | 4% |
| 32 | $194 | $322 | $3,860 | -2% |
| 33 | $186 | $315 | $3,785 | -2% |
| 34 | $193 | $314 | $3,770 | -0% |
| 35 | $182 | $302 | $3,623 | -4% |
| 36 | $179 | $301 | $3,613 | -0% |
| 37 | $174 | $294 | $3,525 | -2% |
| 38 | $175 | $291 | $3,498 | -1% |
| 39 | $188 | $318 | $3,813 | 9% |
| 40 | $183 | $299 | $3,584 | -6% |
| 41 | $176 | $293 | $3,518 | -2% |
| 42 | $174 | $301 | $3,607 | 3% |
| 43 | $172 | $290 | $3,484 | -3% |
| 44 | $177 | $292 | $3,499 | 0% |
| 45 | $166 | $277 | $3,322 | -5% |
| 46 | $176 | $296 | $3,558 | 7% |
| 47 | $180 | $304 | $3,645 | 2% |
| 48 | $162 | $277 | $3,321 | -9% |
| 49 | $190 | $316 | $3,787 | 14% |
| 50 | $177 | $293 | $3,514 | -7% |
| 51 | $158 | $271 | $3,251 | -7% |
| 52 | $171 | $292 | $3,501 | 8% |
| 53 | $151 | $269 | $3,229 | -8% |
| 54 | $162 | $270 | $3,245 | 0% |
| 55 | $159 | $261 | $3,137 | -3% |
| 56 | $152 | $266 | $3,191 | 2% |
| 57 | $158 | $273 | $3,279 | 3% |
| 58 | $156 | $261 | $3,131 | -5% |
| 59 | $148 | $264 | $3,167 | 1% |
| 60 | $151 | $264 | $3,165 | -0% |
| 61 | $150 | $252 | $3,029 | -4% |
| 62 | $148 | $252 | $3,019 | -0% |
| 63 | $138 | $233 | $2,797 | -7% |
| 64 | $138 | $239 | $2,871 | 3% |
| 65 | $150 | $235 | $2,818 | -2% |
| 66 | $159 | $244 | $2,927 | 4% |
| 67 | $147 | $238 | $2,859 | -2% |
| 68 | $150 | $239 | $2,865 | 0% |
| 69 | $156 | $242 | $2,901 | 1% |
| 70 | $150 | $237 | $2,841 | -2% |
| 71 | $144 | $229 | $2,743 | -3% |
| 72 | $148 | $234 | $2,808 | 2% |
| 73 | $154 | $236 | $2,837 | 1% |
| 74 | $159 | $248 | $2,980 | 5% |
| 75 | $141 | $225 | $2,704 | -9% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: New Jersey 17-year-olds average $983 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $235/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 12% to $241 per month. By 65, the average reaches $100 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 | $220 | $371 | $4,454 | 3% |
| 18 | $143 | $275 | $3,295 | -26% |
| 19 | $175 | $358 | $4,298 | 30% |
| 20 | $141 | $275 | $3,299 | -23% |
| 21 | $137 | $241 | $2,895 | -12% |
| 22 | $106 | $200 | $2,401 | -17% |
| 23 | $100 | $173 | $2,082 | -13% |
| 24 | $94 | $178 | $2,134 | 3% |
| 25 | $88 | $158 | $1,890 | -11% |
| 26 | $85 | $151 | $1,810 | -4% |
| 27 | $84 | $160 | $1,920 | 6% |
| 28 | $74 | $143 | $1,712 | -11% |
| 29 | $76 | $154 | $1,848 | 8% |
| 30 | $77 | $140 | $1,680 | -9% |
| 31 | $72 | $128 | $1,531 | -9% |
| 32 | $71 | $129 | $1,544 | 1% |
| 33 | $72 | $131 | $1,577 | 2% |
| 34 | $73 | $132 | $1,583 | 0% |
| 35 | $65 | $113 | $1,357 | -14% |
| 36 | $68 | $130 | $1,561 | 15% |
| 37 | $72 | $129 | $1,545 | -1% |
| 38 | $70 | $127 | $1,530 | -1% |
| 39 | $68 | $126 | $1,517 | -1% |
| 40 | $68 | $123 | $1,479 | -3% |
| 41 | $64 | $125 | $1,496 | 1% |
| 42 | $70 | $126 | $1,518 | 1% |
| 43 | $72 | $132 | $1,585 | 4% |
| 44 | $73 | $130 | $1,554 | -2% |
| 45 | $64 | $120 | $1,435 | -8% |
| 46 | $64 | $120 | $1,436 | 0% |
| 47 | $64 | $115 | $1,383 | -4% |
| 48 | $70 | $126 | $1,516 | 10% |
| 49 | $64 | $112 | $1,344 | -11% |
| 50 | $62 | $113 | $1,358 | 1% |
| 51 | $64 | $123 | $1,473 | 9% |
| 52 | $62 | $120 | $1,443 | -2% |
| 53 | $66 | $123 | $1,472 | 2% |
| 54 | $60 | $114 | $1,367 | -7% |
| 55 | $65 | $113 | $1,354 | -1% |
| 56 | $58 | $110 | $1,325 | -2% |
| 57 | $67 | $124 | $1,493 | 13% |
| 58 | $56 | $102 | $1,228 | -18% |
| 59 | $56 | $106 | $1,273 | 4% |
| 60 | $62 | $113 | $1,354 | 6% |
| 61 | $56 | $106 | $1,275 | -6% |
| 62 | $60 | $108 | $1,292 | 1% |
| 63 | $83 | $142 | $1,703 | 32% |
| 64 | $60 | $100 | $1,206 | -29% |
| 65 | $60 | $100 | $1,196 | -1% |
| 66 | $65 | $103 | $1,242 | 4% |
| 67 | $65 | $112 | $1,340 | 8% |
| 68 | $61 | $108 | $1,298 | -3% |
| 69 | $54 | $104 | $1,254 | -3% |
| 70 | $45 | $88 | $1,052 | -16% |
| 71 | $62 | $112 | $1,349 | 28% |
| 72 | $63 | $113 | $1,350 | 0% |
| 73 | $69 | $129 | $1,542 | 14% |
| 74 | $60 | $107 | $1,282 | -17% |
| 75 | $79 | $156 | $1,874 | 46% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: New Mexico rates are near the national average. The steepest drop is at 21 (12%). By 65, the average falls to $100/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 $1,501 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 $1,003 per month. By 30, it drops to $848 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $510 per month, and 75-year-olds average $487 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 | $336 | $1,501 | $18,018 | – |
| 17 | $565 | $1,319 | $15,829 | -12% |
| 18 | $534 | $1,122 | $13,462 | -15% |
| 19 | $566 | $1,244 | $14,933 | 11% |
| 20 | $494 | $1,063 | $12,757 | -15% |
| 21 | $546 | $1,155 | $13,858 | 9% |
| 22 | $442 | $1,021 | $12,254 | -12% |
| 23 | $433 | $1,004 | $12,050 | -2% |
| 24 | $421 | $1,011 | $12,131 | 1% |
| 25 | $411 | $1,003 | $12,039 | -1% |
| 26 | $372 | $896 | $10,750 | -11% |
| 27 | $359 | $874 | $10,489 | -2% |
| 28 | $324 | $841 | $10,097 | -4% |
| 29 | $346 | $856 | $10,266 | 2% |
| 30 | $343 | $848 | $10,180 | -1% |
| 31 | $325 | $834 | $10,009 | -2% |
| 32 | $331 | $829 | $9,954 | -1% |
| 33 | $300 | $789 | $9,471 | -5% |
| 34 | $315 | $824 | $9,891 | 4% |
| 35 | $306 | $792 | $9,504 | -4% |
| 36 | $304 | $796 | $9,554 | 1% |
| 37 | $282 | $737 | $8,839 | -7% |
| 38 | $298 | $746 | $8,947 | 1% |
| 39 | $274 | $735 | $8,821 | -1% |
| 40 | $266 | $708 | $8,495 | -4% |
| 41 | $260 | $719 | $8,633 | 2% |
| 42 | $271 | $730 | $8,761 | 1% |
| 43 | $270 | $707 | $8,478 | -3% |
| 44 | $254 | $708 | $8,498 | 0% |
| 45 | $238 | $697 | $8,362 | -2% |
| 46 | $250 | $695 | $8,335 | -0% |
| 47 | $263 | $712 | $8,549 | 3% |
| 48 | $240 | $692 | $8,302 | -3% |
| 49 | $246 | $687 | $8,241 | -1% |
| 50 | $257 | $686 | $8,234 | -0% |
| 51 | $237 | $660 | $7,924 | -4% |
| 52 | $212 | $641 | $7,697 | -3% |
| 53 | $210 | $618 | $7,422 | -4% |
| 54 | $224 | $644 | $7,731 | 4% |
| 55 | $212 | $601 | $7,211 | -7% |
| 56 | $190 | $599 | $7,185 | -0% |
| 57 | $194 | $572 | $6,861 | -5% |
| 58 | $207 | $622 | $7,468 | 9% |
| 59 | $207 | $582 | $6,986 | -6% |
| 60 | $198 | $567 | $6,803 | -3% |
| 61 | $192 | $554 | $6,651 | -2% |
| 62 | $194 | $552 | $6,628 | -0% |
| 63 | $190 | $561 | $6,730 | 2% |
| 64 | $213 | $572 | $6,860 | 2% |
| 65 | $164 | $510 | $6,125 | -11% |
| 66 | $185 | $560 | $6,717 | 10% |
| 67 | $163 | $484 | $5,812 | -13% |
| 68 | $195 | $535 | $6,415 | 10% |
| 69 | $151 | $463 | $5,558 | -13% |
| 70 | $180 | $524 | $6,293 | 13% |
| 71 | $166 | $471 | $5,655 | -10% |
| 72 | $154 | $436 | $5,230 | -8% |
| 73 | $178 | $458 | $5,497 | 5% |
| 74 | $198 | $521 | $6,255 | 14% |
| 75 | $176 | $487 | $5,846 | -7% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: New York has the highest rates in the dataset — for instance, New York’s 16-year-olds average $1,501/mo. Even 75-year-olds average $487/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 $448 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 | $302 | $448 | $5,376 | – |
| 17 | $243 | $362 | $4,343 | -19% |
| 18 | $188 | $322 | $3,858 | -11% |
| 19 | $168 | $298 | $3,579 | -7% |
| 20 | $136 | $268 | $3,215 | -10% |
| 21 | $118 | $236 | $2,827 | -12% |
| 22 | $113 | $238 | $2,853 | 1% |
| 23 | $100 | $202 | $2,421 | -15% |
| 24 | $109 | $222 | $2,661 | 10% |
| 25 | $99 | $205 | $2,455 | -8% |
| 26 | $95 | $196 | $2,354 | -4% |
| 27 | $100 | $197 | $2,358 | 0% |
| 28 | $96 | $182 | $2,190 | -7% |
| 29 | $96 | $190 | $2,280 | 4% |
| 30 | $89 | $179 | $2,146 | -6% |
| 31 | $90 | $186 | $2,234 | 4% |
| 32 | $85 | $171 | $2,055 | -8% |
| 33 | $86 | $166 | $1,988 | -3% |
| 34 | $85 | $179 | $2,152 | 8% |
| 35 | $81 | $172 | $2,060 | -4% |
| 36 | $86 | $176 | $2,112 | 3% |
| 37 | $81 | $160 | $1,920 | -9% |
| 38 | $78 | $150 | $1,800 | -6% |
| 39 | $78 | $154 | $1,853 | 3% |
| 40 | $75 | $159 | $1,902 | 3% |
| 41 | $74 | $147 | $1,766 | -7% |
| 42 | $75 | $150 | $1,803 | 2% |
| 43 | $71 | $134 | $1,604 | -11% |
| 44 | $71 | $130 | $1,554 | -3% |
| 45 | $67 | $120 | $1,443 | -7% |
| 46 | $73 | $140 | $1,677 | 16% |
| 47 | $73 | $138 | $1,655 | -1% |
| 48 | $76 | $144 | $1,726 | 4% |
| 49 | $73 | $129 | $1,553 | -10% |
| 50 | $74 | $138 | $1,658 | 7% |
| 51 | $70 | $135 | $1,621 | -2% |
| 52 | $72 | $134 | $1,603 | -1% |
| 53 | $74 | $145 | $1,737 | 8% |
| 54 | $69 | $123 | $1,475 | -15% |
| 55 | $69 | $118 | $1,413 | -4% |
| 56 | $70 | $118 | $1,419 | 0% |
| 57 | $67 | $119 | $1,432 | 1% |
| 58 | $69 | $124 | $1,494 | 4% |
| 59 | $68 | $123 | $1,472 | -1% |
| 60 | $69 | $118 | $1,419 | -4% |
| 61 | $65 | $112 | $1,339 | -6% |
| 62 | $71 | $118 | $1,410 | 5% |
| 63 | $67 | $114 | $1,371 | -3% |
| 64 | $66 | $111 | $1,328 | -3% |
| 65 | $66 | $110 | $1,325 | -0% |
| 66 | $64 | $104 | $1,249 | -6% |
| 67 | $66 | $112 | $1,347 | 8% |
| 68 | $64 | $103 | $1,240 | -8% |
| 69 | $64 | $99 | $1,194 | -4% |
| 70 | $64 | $105 | $1,265 | 6% |
| 71 | $70 | $115 | $1,376 | 9% |
| 72 | $62 | $106 | $1,268 | -8% |
| 73 | $67 | $103 | $1,240 | -2% |
| 74 | $62 | $101 | $1,214 | -2% |
| 75 | $60 | $96 | $1,149 | -5% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: North Carolina’s regulated market keeps rates more predictable and below average. Here, rates for 16-year-olds average $448/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 $207 per month, well below the national teen average, and rates fall to just $96 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 | $116 | $207 | $2,480 | – |
| 17 | $161 | $200 | $2,397 | -3% |
| 18 | $172 | $259 | $3,107 | 30% |
| 19 | $134 | $220 | $2,640 | -15% |
| 20 | $131 | $204 | $2,445 | -7% |
| 21 | $140 | $218 | $2,612 | 7% |
| 22 | $112 | $155 | $1,856 | -29% |
| 23 | $121 | $170 | $2,044 | 10% |
| 24 | $108 | $157 | $1,881 | -8% |
| 25 | $106 | $164 | $1,964 | 4% |
| 26 | $88 | $123 | $1,475 | -25% |
| 27 | $94 | $138 | $1,657 | 12% |
| 28 | $92 | $136 | $1,632 | -2% |
| 29 | $93 | $127 | $1,520 | -7% |
| 30 | $98 | $135 | $1,615 | 6% |
| 31 | $95 | $140 | $1,680 | 4% |
| 32 | $88 | $132 | $1,588 | -5% |
| 33 | $78 | $110 | $1,325 | -17% |
| 34 | $84 | $122 | $1,461 | 10% |
| 35 | $82 | $119 | $1,431 | -2% |
| 36 | $86 | $129 | $1,548 | 8% |
| 37 | $79 | $126 | $1,511 | -2% |
| 38 | $79 | $114 | $1,368 | -9% |
| 39 | $81 | $127 | $1,518 | 11% |
| 40 | $72 | $121 | $1,458 | -4% |
| 41 | $74 | $104 | $1,248 | -14% |
| 42 | $81 | $125 | $1,506 | 21% |
| 43 | $80 | $139 | $1,672 | 11% |
| 44 | $81 | $117 | $1,408 | -16% |
| 45 | $80 | $126 | $1,517 | 8% |
| 46 | $77 | $105 | $1,257 | -17% |
| 47 | $77 | $128 | $1,536 | 22% |
| 48 | $67 | $97 | $1,168 | -24% |
| 49 | $81 | $114 | $1,372 | 17% |
| 50 | $86 | $117 | $1,403 | 2% |
| 51 | $80 | $114 | $1,369 | -2% |
| 52 | $72 | $115 | $1,378 | 1% |
| 53 | $45 | $77 | $921 | -33% |
| 54 | $74 | $103 | $1,235 | 34% |
| 55 | $82 | $116 | $1,396 | 13% |
| 56 | $78 | $106 | $1,272 | -9% |
| 57 | $92 | $135 | $1,621 | 27% |
| 58 | $66 | $100 | $1,204 | -26% |
| 59 | $62 | $104 | $1,246 | 4% |
| 60 | $73 | $109 | $1,308 | 5% |
| 61 | $56 | $84 | $1,004 | -23% |
| 62 | $69 | $100 | $1,196 | 19% |
| 63 | $59 | $84 | $1,003 | -16% |
| 64 | $71 | $100 | $1,198 | 19% |
| 65 | $68 | $96 | $1,150 | -4% |
| 66 | $61 | $90 | $1,078 | -6% |
| 67 | $65 | $92 | $1,104 | 2% |
| 68 | $89 | $120 | $1,444 | 31% |
| 70 | $68 | $91 | $1,097 | -24% |
| 72 | $74 | $130 | $1,563 | 42% |
| 73 | $83 | $118 | $1,413 | -10% |
| 74 | $72 | $114 | $1,372 | -3% |
| 75 | $62 | $97 | $1,164 | -15% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: North Dakota is among the cheapest states at every age; 16-year-olds average $207/mo and rates drop to $96/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 $332 per month, below the national teen average, and rates fall steadily to $125 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 | $192 | $332 | $3,981 | – |
| 17 | $188 | $342 | $4,102 | 3% |
| 18 | $175 | $321 | $3,853 | -6% |
| 19 | $157 | $308 | $3,697 | -4% |
| 20 | $143 | $283 | $3,392 | -8% |
| 21 | $126 | $244 | $2,925 | -14% |
| 22 | $117 | $227 | $2,724 | -7% |
| 23 | $106 | $197 | $2,366 | -13% |
| 24 | $104 | $185 | $2,224 | -6% |
| 25 | $98 | $189 | $2,269 | 2% |
| 26 | $96 | $184 | $2,208 | -3% |
| 27 | $94 | $181 | $2,177 | -1% |
| 28 | $87 | $160 | $1,925 | -12% |
| 29 | $86 | $161 | $1,929 | 0% |
| 30 | $83 | $163 | $1,957 | 1% |
| 31 | $85 | $163 | $1,957 | -0% |
| 32 | $81 | $159 | $1,910 | -2% |
| 33 | $80 | $149 | $1,790 | -6% |
| 34 | $78 | $151 | $1,817 | 2% |
| 35 | $83 | $159 | $1,907 | 5% |
| 36 | $80 | $149 | $1,793 | -6% |
| 37 | $78 | $148 | $1,770 | -1% |
| 38 | $79 | $150 | $1,806 | 2% |
| 39 | $76 | $148 | $1,771 | -2% |
| 40 | $74 | $139 | $1,662 | -6% |
| 41 | $74 | $143 | $1,714 | 3% |
| 42 | $76 | $148 | $1,780 | 4% |
| 43 | $73 | $137 | $1,648 | -7% |
| 44 | $71 | $133 | $1,591 | -3% |
| 45 | $75 | $143 | $1,711 | 8% |
| 46 | $74 | $145 | $1,744 | 2% |
| 47 | $71 | $138 | $1,655 | -5% |
| 48 | $71 | $130 | $1,565 | -5% |
| 49 | $71 | $139 | $1,666 | 6% |
| 50 | $73 | $140 | $1,682 | 1% |
| 51 | $72 | $129 | $1,546 | -8% |
| 52 | $65 | $123 | $1,472 | -5% |
| 53 | $70 | $129 | $1,552 | 5% |
| 54 | $69 | $128 | $1,534 | -1% |
| 55 | $70 | $138 | $1,655 | 8% |
| 56 | $70 | $132 | $1,583 | -4% |
| 57 | $68 | $134 | $1,607 | 2% |
| 58 | $69 | $130 | $1,555 | -3% |
| 59 | $68 | $128 | $1,531 | -2% |
| 60 | $68 | $127 | $1,518 | -1% |
| 61 | $66 | $123 | $1,480 | -3% |
| 62 | $66 | $126 | $1,508 | 2% |
| 63 | $65 | $126 | $1,509 | 0% |
| 64 | $66 | $127 | $1,520 | 1% |
| 65 | $66 | $125 | $1,505 | -1% |
| 66 | $63 | $119 | $1,432 | -5% |
| 67 | $63 | $120 | $1,445 | 1% |
| 68 | $70 | $138 | $1,660 | 15% |
| 69 | $65 | $127 | $1,520 | -8% |
| 70 | $66 | $123 | $1,480 | -3% |
| 71 | $66 | $122 | $1,459 | -1% |
| 72 | $72 | $133 | $1,596 | 9% |
| 73 | $69 | $132 | $1,584 | -1% |
| 74 | $63 | $124 | $1,487 | -6% |
| 75 | $76 | $148 | $1,779 | 20% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $332/mo and rates decline to $125/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 19% to $402 per month before falling again. Here, rates for 16-year-olds start at $298 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 | $179 | $298 | $3,573 | – |
| 17 | $171 | $304 | $3,649 | 2% |
| 18 | $180 | $338 | $4,059 | 11% |
| 19 | $193 | $402 | $4,819 | 19% |
| 20 | $173 | $355 | $4,265 | -11% |
| 21 | $153 | $330 | $3,956 | -7% |
| 22 | $132 | $277 | $3,325 | -16% |
| 23 | $125 | $265 | $3,184 | -4% |
| 24 | $118 | $246 | $2,946 | -7% |
| 25 | $108 | $219 | $2,623 | -11% |
| 26 | $106 | $220 | $2,644 | 1% |
| 27 | $102 | $217 | $2,607 | -1% |
| 28 | $97 | $206 | $2,471 | -5% |
| 29 | $94 | $200 | $2,402 | -3% |
| 30 | $92 | $195 | $2,340 | -3% |
| 31 | $90 | $199 | $2,386 | 2% |
| 32 | $93 | $207 | $2,482 | 4% |
| 33 | $86 | $189 | $2,266 | -9% |
| 34 | $95 | $214 | $2,565 | 13% |
| 35 | $94 | $216 | $2,598 | 1% |
| 36 | $94 | $197 | $2,361 | -9% |
| 37 | $87 | $190 | $2,283 | -3% |
| 38 | $86 | $191 | $2,293 | 0% |
| 39 | $85 | $189 | $2,267 | -1% |
| 40 | $87 | $198 | $2,373 | 5% |
| 41 | $86 | $189 | $2,271 | -4% |
| 42 | $92 | $195 | $2,342 | 3% |
| 43 | $83 | $182 | $2,190 | -6% |
| 44 | $83 | $186 | $2,234 | 2% |
| 45 | $81 | $180 | $2,163 | -3% |
| 46 | $88 | $194 | $2,326 | 8% |
| 47 | $84 | $191 | $2,289 | -2% |
| 48 | $84 | $196 | $2,354 | 3% |
| 49 | $80 | $169 | $2,028 | -14% |
| 50 | $82 | $181 | $2,170 | 7% |
| 51 | $83 | $185 | $2,215 | 2% |
| 52 | $78 | $168 | $2,017 | -9% |
| 53 | $77 | $167 | $1,999 | -1% |
| 54 | $77 | $174 | $2,090 | 5% |
| 55 | $74 | $154 | $1,851 | -11% |
| 56 | $78 | $164 | $1,966 | 6% |
| 57 | $72 | $151 | $1,811 | -8% |
| 58 | $76 | $159 | $1,906 | 5% |
| 59 | $72 | $145 | $1,744 | -8% |
| 60 | $76 | $164 | $1,969 | 13% |
| 61 | $72 | $152 | $1,826 | -7% |
| 62 | $75 | $153 | $1,838 | 1% |
| 63 | $74 | $152 | $1,821 | -1% |
| 64 | $73 | $146 | $1,754 | -4% |
| 65 | $71 | $149 | $1,790 | 2% |
| 66 | $75 | $150 | $1,795 | 0% |
| 67 | $74 | $150 | $1,804 | 1% |
| 68 | $73 | $157 | $1,887 | 5% |
| 69 | $68 | $130 | $1,559 | -17% |
| 70 | $64 | $130 | $1,565 | 0% |
| 71 | $75 | $163 | $1,957 | 25% |
| 72 | $74 | $147 | $1,759 | -10% |
| 73 | $71 | $144 | $1,732 | -2% |
| 74 | $74 | $139 | $1,672 | -3% |
| 75 | $71 | $132 | $1,588 | -5% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $387 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 | $243 | $387 | $4,640 | – |
| 17 | $230 | $370 | $4,440 | -4% |
| 18 | $222 | $367 | $4,408 | -1% |
| 19 | $220 | $393 | $4,713 | 7% |
| 20 | $187 | $317 | $3,804 | -19% |
| 21 | $175 | $297 | $3,567 | -6% |
| 22 | $162 | $303 | $3,636 | 2% |
| 23 | $144 | $245 | $2,940 | -19% |
| 24 | $157 | $259 | $3,104 | 6% |
| 25 | $128 | $214 | $2,573 | -17% |
| 26 | $131 | $219 | $2,632 | 2% |
| 27 | $132 | $217 | $2,602 | -1% |
| 28 | $126 | $201 | $2,413 | -7% |
| 29 | $130 | $217 | $2,600 | 8% |
| 30 | $118 | $198 | $2,376 | -9% |
| 31 | $113 | $182 | $2,180 | -8% |
| 32 | $114 | $183 | $2,195 | 1% |
| 33 | $114 | $186 | $2,230 | 2% |
| 34 | $109 | $174 | $2,091 | -6% |
| 35 | $108 | $165 | $1,979 | -5% |
| 36 | $111 | $175 | $2,101 | 6% |
| 37 | $106 | $171 | $2,046 | -3% |
| 38 | $108 | $172 | $2,069 | 1% |
| 39 | $112 | $180 | $2,155 | 4% |
| 40 | $105 | $172 | $2,067 | -4% |
| 41 | $108 | $174 | $2,088 | 1% |
| 42 | $105 | $164 | $1,969 | -6% |
| 43 | $104 | $169 | $2,024 | 3% |
| 44 | $102 | $162 | $1,949 | -4% |
| 45 | $102 | $173 | $2,074 | 6% |
| 46 | $99 | $159 | $1,910 | -8% |
| 47 | $100 | $158 | $1,895 | -1% |
| 48 | $103 | $161 | $1,927 | 2% |
| 49 | $101 | $163 | $1,958 | 2% |
| 50 | $96 | $156 | $1,877 | -4% |
| 51 | $102 | $163 | $1,953 | 4% |
| 52 | $97 | $154 | $1,852 | -5% |
| 53 | $105 | $165 | $1,979 | 7% |
| 54 | $90 | $140 | $1,683 | -15% |
| 55 | $93 | $158 | $1,897 | 13% |
| 56 | $96 | $157 | $1,883 | -1% |
| 57 | $88 | $139 | $1,672 | -11% |
| 58 | $98 | $153 | $1,834 | 10% |
| 59 | $96 | $154 | $1,848 | 1% |
| 60 | $98 | $150 | $1,804 | -2% |
| 61 | $97 | $160 | $1,925 | 7% |
| 62 | $93 | $150 | $1,797 | -7% |
| 63 | $86 | $140 | $1,685 | -6% |
| 64 | $82 | $132 | $1,587 | -6% |
| 65 | $83 | $144 | $1,725 | 9% |
| 66 | $81 | $130 | $1,555 | -10% |
| 67 | $81 | $133 | $1,601 | 3% |
| 68 | $90 | $144 | $1,723 | 8% |
| 69 | $78 | $130 | $1,561 | -9% |
| 70 | $92 | $154 | $1,852 | 19% |
| 71 | $84 | $146 | $1,755 | -5% |
| 72 | $81 | $131 | $1,578 | -10% |
| 73 | $81 | $147 | $1,760 | 12% |
| 74 | $88 | $143 | $1,720 | -2% |
| 75 | $82 | $145 | $1,738 | 1% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Oregon rates are moderate and track near the national average; its 16-year-olds average $387/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 $504, a 19% 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 | $183 | $424 | $5,091 | 34% |
| 18 | $201 | $504 | $6,049 | 19% |
| 19 | $192 | $463 | $5,558 | -8% |
| 20 | $174 | $421 | $5,047 | -9% |
| 21 | $159 | $369 | $4,433 | -12% |
| 22 | $144 | $320 | $3,840 | -13% |
| 23 | $137 | $296 | $3,547 | -8% |
| 24 | $132 | $297 | $3,560 | 0% |
| 25 | $131 | $276 | $3,317 | -7% |
| 26 | $124 | $275 | $3,301 | -0% |
| 27 | $128 | $269 | $3,223 | -2% |
| 28 | $119 | $257 | $3,085 | -4% |
| 29 | $127 | $288 | $3,456 | 12% |
| 30 | $118 | $258 | $3,094 | -10% |
| 31 | $115 | $254 | $3,051 | -1% |
| 32 | $121 | $263 | $3,161 | 4% |
| 33 | $119 | $253 | $3,035 | -4% |
| 34 | $116 | $247 | $2,964 | -2% |
| 35 | $117 | $244 | $2,932 | -1% |
| 36 | $110 | $240 | $2,879 | -2% |
| 37 | $107 | $237 | $2,844 | -1% |
| 38 | $106 | $216 | $2,596 | -9% |
| 39 | $107 | $212 | $2,548 | -2% |
| 40 | $113 | $233 | $2,801 | 10% |
| 41 | $105 | $225 | $2,705 | -3% |
| 42 | $104 | $215 | $2,583 | -5% |
| 43 | $105 | $218 | $2,619 | 1% |
| 44 | $106 | $226 | $2,709 | 3% |
| 45 | $102 | $207 | $2,490 | -8% |
| 46 | $97 | $201 | $2,407 | -3% |
| 47 | $99 | $204 | $2,448 | 2% |
| 48 | $110 | $222 | $2,661 | 9% |
| 49 | $94 | $194 | $2,326 | -13% |
| 50 | $94 | $198 | $2,381 | 2% |
| 51 | $94 | $184 | $2,209 | -7% |
| 52 | $96 | $202 | $2,422 | 10% |
| 53 | $90 | $179 | $2,144 | -11% |
| 54 | $95 | $191 | $2,294 | 7% |
| 55 | $86 | $184 | $2,203 | -4% |
| 56 | $92 | $183 | $2,194 | -0% |
| 57 | $93 | $184 | $2,207 | 1% |
| 58 | $94 | $199 | $2,383 | 8% |
| 59 | $87 | $186 | $2,238 | -6% |
| 60 | $86 | $176 | $2,115 | -5% |
| 61 | $82 | $166 | $1,989 | -6% |
| 62 | $81 | $170 | $2,039 | 3% |
| 63 | $86 | $179 | $2,151 | 5% |
| 64 | $91 | $178 | $2,132 | -1% |
| 65 | $76 | $167 | $2,007 | -6% |
| 66 | $76 | $160 | $1,922 | -4% |
| 67 | $86 | $182 | $2,184 | 14% |
| 68 | $79 | $165 | $1,977 | -9% |
| 69 | $78 | $156 | $1,868 | -6% |
| 70 | $98 | $191 | $2,295 | 23% |
| 71 | $86 | $185 | $2,221 | -3% |
| 72 | $85 | $183 | $2,200 | -1% |
| 73 | $85 | $173 | $2,074 | -6% |
| 74 | $84 | $183 | $2,197 | 6% |
| 75 | $88 | $182 | $2,188 | -0% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $167/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 | $587 | $874 | $10,490 | -18% |
| 19 | $478 | $715 | $8,581 | -18% |
| 20 | $312 | $489 | $5,873 | -32% |
| 21 | $280 | $435 | $5,217 | -11% |
| 22 | $234 | $410 | $4,924 | -6% |
| 23 | $229 | $417 | $5,005 | 2% |
| 24 | $196 | $340 | $4,080 | -18% |
| 25 | $190 | $325 | $3,896 | -4% |
| 26 | $187 | $305 | $3,657 | -6% |
| 27 | $150 | $286 | $3,431 | -6% |
| 28 | $175 | $327 | $3,921 | 14% |
| 29 | $194 | $332 | $3,978 | 1% |
| 30 | $144 | $241 | $2,897 | -27% |
| 31 | $132 | $296 | $3,552 | 23% |
| 32 | $145 | $269 | $3,224 | -9% |
| 33 | $141 | $257 | $3,086 | -4% |
| 34 | $140 | $237 | $2,849 | -8% |
| 35 | $172 | $310 | $3,716 | 30% |
| 36 | $126 | $217 | $2,605 | -30% |
| 37 | $112 | $211 | $2,531 | -3% |
| 38 | $139 | $279 | $3,346 | 32% |
| 39 | $131 | $226 | $2,708 | -19% |
| 40 | $150 | $244 | $2,932 | 8% |
| 41 | $127 | $233 | $2,790 | -5% |
| 42 | $111 | $187 | $2,243 | -20% |
| 43 | $121 | $214 | $2,565 | 14% |
| 44 | $104 | $185 | $2,215 | -14% |
| 45 | $119 | $222 | $2,663 | 20% |
| 46 | $117 | $202 | $2,423 | -9% |
| 47 | $133 | $218 | $2,617 | 8% |
| 48 | $120 | $203 | $2,433 | -7% |
| 49 | $126 | $226 | $2,718 | 12% |
| 50 | $145 | $260 | $3,120 | 15% |
| 51 | $116 | $207 | $2,482 | -20% |
| 52 | $110 | $177 | $2,129 | -14% |
| 53 | $96 | $156 | $1,872 | -12% |
| 54 | $122 | $215 | $2,575 | 38% |
| 55 | $107 | $178 | $2,135 | -17% |
| 56 | $115 | $204 | $2,444 | 14% |
| 57 | $118 | $193 | $2,316 | -5% |
| 58 | $115 | $197 | $2,361 | 2% |
| 59 | $96 | $149 | $1,787 | -24% |
| 60 | $110 | $193 | $2,319 | 30% |
| 61 | $100 | $169 | $2,030 | -12% |
| 62 | $100 | $161 | $1,934 | -5% |
| 63 | $104 | $174 | $2,083 | 8% |
| 64 | $103 | $170 | $2,036 | -2% |
| 65 | $118 | $189 | $2,265 | 11% |
| 66 | $112 | $177 | $2,128 | -6% |
| 67 | $87 | $162 | $1,941 | -9% |
| 68 | $121 | $190 | $2,275 | 17% |
| 69 | $115 | $183 | $2,200 | -3% |
| 70 | $115 | $175 | $2,099 | -5% |
| 71 | $94 | $164 | $1,974 | -6% |
| 72 | $107 | $166 | $1,993 | 1% |
| 73 | $96 | $138 | $1,650 | -17% |
| 74 | $118 | $179 | $2,150 | 30% |
| 75 | $107 | $154 | $1,853 | -14% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $516 per month, and rates remain elevated through middle age, averaging $206 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 | $261 | $516 | $6,191 | – |
| 17 | $431 | $645 | $7,742 | 25% |
| 18 | $365 | $560 | $6,718 | -13% |
| 19 | $329 | $538 | $6,459 | -4% |
| 20 | $287 | $487 | $5,848 | -9% |
| 21 | $258 | $443 | $5,321 | -9% |
| 22 | $227 | $382 | $4,589 | -14% |
| 23 | $207 | $348 | $4,173 | -9% |
| 24 | $197 | $342 | $4,101 | -2% |
| 25 | $178 | $314 | $3,774 | -8% |
| 26 | $174 | $303 | $3,631 | -4% |
| 27 | $172 | $295 | $3,545 | -2% |
| 28 | $166 | $284 | $3,411 | -4% |
| 29 | $164 | $277 | $3,330 | -2% |
| 30 | $156 | $264 | $3,162 | -5% |
| 31 | $154 | $264 | $3,164 | 0% |
| 32 | $150 | $257 | $3,084 | -3% |
| 33 | $147 | $252 | $3,020 | -2% |
| 34 | $152 | $257 | $3,086 | 2% |
| 35 | $147 | $246 | $2,957 | -4% |
| 36 | $146 | $247 | $2,964 | 0% |
| 37 | $142 | $243 | $2,916 | -2% |
| 38 | $141 | $237 | $2,839 | -3% |
| 39 | $145 | $244 | $2,933 | 3% |
| 40 | $144 | $242 | $2,908 | -1% |
| 41 | $138 | $229 | $2,747 | -6% |
| 42 | $138 | $235 | $2,815 | 2% |
| 43 | $134 | $230 | $2,760 | -2% |
| 44 | $134 | $228 | $2,735 | -1% |
| 45 | $134 | $228 | $2,732 | -0% |
| 46 | $134 | $223 | $2,672 | -2% |
| 47 | $130 | $219 | $2,629 | -2% |
| 48 | $139 | $238 | $2,850 | 8% |
| 49 | $128 | $219 | $2,633 | -8% |
| 50 | $134 | $224 | $2,686 | 2% |
| 51 | $131 | $222 | $2,661 | -1% |
| 52 | $130 | $218 | $2,612 | -2% |
| 53 | $121 | $207 | $2,483 | -5% |
| 54 | $123 | $208 | $2,498 | 1% |
| 55 | $127 | $213 | $2,561 | 2% |
| 56 | $124 | $209 | $2,502 | -2% |
| 57 | $123 | $202 | $2,428 | -3% |
| 58 | $125 | $205 | $2,465 | 2% |
| 59 | $118 | $197 | $2,367 | -4% |
| 60 | $115 | $192 | $2,306 | -3% |
| 61 | $122 | $206 | $2,478 | 7% |
| 62 | $118 | $195 | $2,344 | -5% |
| 63 | $116 | $196 | $2,352 | 0% |
| 64 | $118 | $196 | $2,356 | 0% |
| 65 | $124 | $206 | $2,468 | 5% |
| 66 | $118 | $203 | $2,438 | -1% |
| 67 | $116 | $201 | $2,408 | -1% |
| 68 | $116 | $197 | $2,368 | -2% |
| 69 | $120 | $212 | $2,542 | 7% |
| 70 | $122 | $206 | $2,475 | -3% |
| 71 | $105 | $187 | $2,248 | -9% |
| 72 | $109 | $190 | $2,285 | 2% |
| 73 | $117 | $195 | $2,345 | 3% |
| 74 | $113 | $193 | $2,312 | -1% |
| 75 | $134 | $214 | $2,565 | 11% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: South Carolina rates are above average statewide. South Carolina’s 16-year-olds average $516/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 $560 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 | $130 | $289 | $3,470 | 12% |
| 20 | $110 | $225 | $2,701 | -22% |
| 21 | $99 | $256 | $3,077 | 14% |
| 22 | $73 | $173 | $2,075 | -33% |
| 23 | $87 | $210 | $2,524 | 22% |
| 24 | $69 | $158 | $1,900 | -25% |
| 25 | $72 | $127 | $1,527 | -20% |
| 26 | $70 | $151 | $1,813 | 19% |
| 27 | $85 | $207 | $2,480 | 37% |
| 28 | $69 | $206 | $2,467 | -1% |
| 29 | $70 | $153 | $1,833 | -26% |
| 30 | $65 | $128 | $1,538 | -16% |
| 31 | $65 | $155 | $1,860 | 21% |
| 32 | $72 | $151 | $1,817 | -2% |
| 33 | $63 | $129 | $1,553 | -15% |
| 34 | $71 | $132 | $1,586 | 2% |
| 35 | $66 | $137 | $1,638 | 3% |
| 36 | $57 | $121 | $1,456 | -11% |
| 37 | $66 | $140 | $1,677 | 15% |
| 38 | $67 | $168 | $2,022 | 21% |
| 39 | $60 | $122 | $1,463 | -28% |
| 40 | $71 | $132 | $1,589 | 9% |
| 41 | $67 | $142 | $1,703 | 7% |
| 42 | $63 | $138 | $1,653 | -3% |
| 43 | $62 | $132 | $1,585 | -4% |
| 44 | $61 | $130 | $1,555 | -2% |
| 45 | $53 | $121 | $1,451 | -7% |
| 46 | $74 | $143 | $1,710 | 18% |
| 47 | $62 | $163 | $1,958 | 14% |
| 48 | $55 | $119 | $1,425 | -27% |
| 49 | $57 | $144 | $1,729 | 21% |
| 50 | $61 | $123 | $1,476 | -15% |
| 51 | $52 | $106 | $1,274 | -14% |
| 52 | $56 | $116 | $1,392 | 9% |
| 53 | $48 | $113 | $1,351 | -3% |
| 54 | $57 | $121 | $1,449 | 7% |
| 55 | $56 | $115 | $1,380 | -5% |
| 56 | $47 | $112 | $1,345 | -3% |
| 57 | $51 | $135 | $1,616 | 20% |
| 58 | $53 | $95 | $1,140 | -29% |
| 59 | $47 | $97 | $1,165 | 2% |
| 60 | $46 | $88 | $1,053 | -10% |
| 61 | $43 | $86 | $1,030 | -2% |
| 62 | $54 | $103 | $1,232 | 20% |
| 63 | $47 | $93 | $1,119 | -9% |
| 64 | $50 | $95 | $1,142 | 2% |
| 65 | $51 | $87 | $1,048 | -8% |
| 66 | $71 | $142 | $1,699 | 62% |
| 67 | $49 | $91 | $1,096 | -35% |
| 68 | $39 | $58 | $690 | -37% |
| 69 | $57 | $121 | $1,457 | 111% |
| 70 | $40 | $86 | $1,027 | -30% |
| 71 | $38 | $111 | $1,333 | 30% |
| 72 | $51 | $108 | $1,293 | -3% |
| 73 | $58 | $89 | $1,063 | -18% |
| 74 | $60 | $112 | $1,344 | 26% |
| 75 | $48 | $104 | $1,253 | -7% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: South Dakota is among the most affordable states at every age. The data starts at 18 ($225/mo). Rates fall consistently, reaching $87/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 $368 per month, and the biggest single-year drop comes at age 20, when rates fall 20% to $267 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 | $198 | $368 | $4,414 | – |
| 17 | $188 | $344 | $4,132 | -6% |
| 18 | $179 | $351 | $4,207 | 2% |
| 19 | $167 | $334 | $4,008 | -5% |
| 20 | $139 | $267 | $3,207 | -20% |
| 21 | $128 | $250 | $2,994 | -7% |
| 22 | $120 | $245 | $2,938 | -2% |
| 23 | $109 | $214 | $2,565 | -13% |
| 24 | $106 | $205 | $2,457 | -4% |
| 25 | $105 | $201 | $2,406 | -2% |
| 26 | $101 | $202 | $2,426 | 1% |
| 27 | $99 | $194 | $2,330 | -4% |
| 28 | $94 | $182 | $2,186 | -6% |
| 29 | $88 | $176 | $2,117 | -3% |
| 30 | $90 | $176 | $2,112 | -0% |
| 31 | $90 | $169 | $2,026 | -4% |
| 32 | $88 | $167 | $2,007 | -1% |
| 33 | $84 | $164 | $1,971 | -2% |
| 34 | $87 | $162 | $1,946 | -1% |
| 35 | $83 | $160 | $1,924 | -1% |
| 36 | $79 | $153 | $1,837 | -5% |
| 37 | $83 | $162 | $1,943 | 6% |
| 38 | $82 | $154 | $1,846 | -5% |
| 39 | $75 | $140 | $1,684 | -9% |
| 40 | $74 | $143 | $1,718 | 2% |
| 41 | $75 | $148 | $1,776 | 3% |
| 42 | $76 | $148 | $1,774 | -0% |
| 43 | $75 | $144 | $1,731 | -2% |
| 44 | $75 | $146 | $1,755 | 1% |
| 45 | $68 | $143 | $1,713 | -2% |
| 46 | $66 | $124 | $1,493 | -13% |
| 47 | $72 | $135 | $1,622 | 9% |
| 48 | $72 | $135 | $1,625 | 0% |
| 49 | $68 | $131 | $1,577 | -3% |
| 50 | $69 | $131 | $1,577 | -0% |
| 51 | $69 | $138 | $1,659 | 5% |
| 52 | $70 | $142 | $1,702 | 3% |
| 53 | $70 | $133 | $1,594 | -6% |
| 54 | $68 | $132 | $1,586 | -1% |
| 55 | $66 | $132 | $1,590 | 0% |
| 56 | $72 | $137 | $1,650 | 4% |
| 57 | $65 | $127 | $1,528 | -7% |
| 58 | $62 | $118 | $1,414 | -7% |
| 59 | $69 | $130 | $1,565 | 11% |
| 60 | $69 | $133 | $1,592 | 2% |
| 61 | $66 | $125 | $1,496 | -6% |
| 62 | $69 | $136 | $1,628 | 9% |
| 63 | $68 | $125 | $1,497 | -8% |
| 64 | $62 | $122 | $1,459 | -3% |
| 65 | $66 | $119 | $1,433 | -2% |
| 66 | $62 | $119 | $1,427 | -0% |
| 67 | $66 | $128 | $1,539 | 8% |
| 68 | $65 | $139 | $1,665 | 8% |
| 69 | $66 | $129 | $1,550 | -7% |
| 70 | $67 | $125 | $1,495 | -4% |
| 71 | $62 | $117 | $1,406 | -6% |
| 72 | $66 | $139 | $1,663 | 18% |
| 73 | $71 | $139 | $1,663 | -0% |
| 74 | $69 | $124 | $1,487 | -11% |
| 75 | $74 | $134 | $1,613 | 9% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Tennessee rates are slightly below average statewide. The state’s 16-year-olds average $368/mo with the steepest drop at 20 (20%). 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 $645 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 $471 per month at 20 down to $286 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 $183 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 | $330 | $645 | $7,746 | – |
| 17 | $325 | $601 | $7,209 | -7% |
| 18 | $318 | $593 | $7,110 | -1% |
| 19 | $289 | $536 | $6,436 | -9% |
| 20 | $251 | $471 | $5,654 | -12% |
| 21 | $219 | $404 | $4,850 | -14% |
| 22 | $197 | $360 | $4,316 | -11% |
| 23 | $181 | $323 | $3,877 | -10% |
| 24 | $170 | $307 | $3,683 | -5% |
| 25 | $161 | $286 | $3,438 | -7% |
| 26 | $157 | $282 | $3,388 | -1% |
| 27 | $153 | $271 | $3,254 | -4% |
| 28 | $146 | $264 | $3,168 | -3% |
| 29 | $143 | $253 | $3,038 | -4% |
| 30 | $139 | $248 | $2,975 | -2% |
| 31 | $136 | $242 | $2,899 | -3% |
| 32 | $134 | $242 | $2,902 | 0% |
| 33 | $134 | $235 | $2,820 | -3% |
| 34 | $132 | $234 | $2,803 | -1% |
| 35 | $134 | $231 | $2,772 | -1% |
| 36 | $127 | $226 | $2,715 | -2% |
| 37 | $125 | $223 | $2,677 | -1% |
| 38 | $122 | $220 | $2,644 | -1% |
| 39 | $120 | $218 | $2,614 | -1% |
| 40 | $125 | $219 | $2,629 | 1% |
| 41 | $119 | $211 | $2,530 | -4% |
| 42 | $123 | $217 | $2,607 | 3% |
| 43 | $120 | $210 | $2,526 | -3% |
| 44 | $119 | $211 | $2,537 | 0% |
| 45 | $122 | $213 | $2,554 | 1% |
| 46 | $120 | $209 | $2,505 | -2% |
| 47 | $120 | $211 | $2,527 | 1% |
| 48 | $117 | $209 | $2,510 | -1% |
| 49 | $117 | $212 | $2,540 | 1% |
| 50 | $115 | $212 | $2,543 | 0% |
| 51 | $113 | $201 | $2,410 | -5% |
| 52 | $113 | $201 | $2,417 | 0% |
| 53 | $116 | $202 | $2,423 | 0% |
| 54 | $114 | $202 | $2,419 | -0% |
| 55 | $116 | $199 | $2,383 | -1% |
| 56 | $112 | $192 | $2,301 | -3% |
| 57 | $108 | $187 | $2,240 | -3% |
| 58 | $110 | $188 | $2,261 | 1% |
| 59 | $106 | $182 | $2,189 | -3% |
| 60 | $109 | $185 | $2,223 | 2% |
| 61 | $109 | $189 | $2,263 | 2% |
| 62 | $108 | $187 | $2,241 | -1% |
| 63 | $110 | $187 | $2,238 | -0% |
| 64 | $109 | $183 | $2,201 | -2% |
| 65 | $106 | $183 | $2,200 | -0% |
| 66 | $111 | $183 | $2,194 | -0% |
| 67 | $107 | $182 | $2,186 | -0% |
| 68 | $112 | $190 | $2,275 | 4% |
| 69 | $115 | $189 | $2,267 | -0% |
| 70 | $115 | $194 | $2,333 | 3% |
| 71 | $116 | $194 | $2,326 | -0% |
| 72 | $121 | $203 | $2,433 | 5% |
| 73 | $120 | $198 | $2,371 | -3% |
| 74 | $122 | $203 | $2,435 | 3% |
| 75 | $120 | $197 | $2,358 | -3% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Texas 16-year-olds average $645/mo, about 26% above the national average. By 65, the average is $183/mo.
Utah
Utah requires personal injury protection coverage for all drivers, adding to base premiums statewide. The state’s 16-year-olds average $436 per month, and rates fall steadily through the 20s, reaching $291 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 | $255 | $436 | $5,226 | – |
| 17 | $256 | $426 | $5,117 | -2% |
| 18 | $254 | $446 | $5,353 | 5% |
| 19 | $204 | $340 | $4,085 | -24% |
| 20 | $183 | $291 | $3,494 | -14% |
| 21 | $156 | $247 | $2,959 | -15% |
| 22 | $136 | $212 | $2,543 | -14% |
| 23 | $123 | $194 | $2,332 | -8% |
| 24 | $126 | $195 | $2,334 | 0% |
| 25 | $118 | $189 | $2,267 | -3% |
| 26 | $117 | $181 | $2,175 | -4% |
| 27 | $110 | $171 | $2,047 | -6% |
| 28 | $116 | $184 | $2,212 | 8% |
| 29 | $103 | $158 | $1,901 | -14% |
| 30 | $105 | $165 | $1,984 | 4% |
| 31 | $112 | $171 | $2,053 | 3% |
| 32 | $106 | $161 | $1,935 | -6% |
| 33 | $98 | $151 | $1,812 | -6% |
| 34 | $104 | $157 | $1,883 | 4% |
| 35 | $102 | $155 | $1,863 | -1% |
| 36 | $98 | $156 | $1,869 | 0% |
| 37 | $94 | $147 | $1,767 | -6% |
| 38 | $98 | $154 | $1,850 | 5% |
| 39 | $91 | $139 | $1,673 | -10% |
| 40 | $98 | $155 | $1,865 | 11% |
| 41 | $93 | $141 | $1,695 | -9% |
| 42 | $101 | $155 | $1,861 | 10% |
| 43 | $90 | $140 | $1,685 | -9% |
| 44 | $94 | $145 | $1,742 | 3% |
| 45 | $93 | $147 | $1,768 | 2% |
| 46 | $97 | $153 | $1,839 | 4% |
| 47 | $94 | $141 | $1,691 | -8% |
| 48 | $91 | $141 | $1,695 | 0% |
| 49 | $100 | $151 | $1,809 | 7% |
| 50 | $88 | $146 | $1,753 | -3% |
| 51 | $89 | $138 | $1,650 | -6% |
| 52 | $92 | $145 | $1,745 | 6% |
| 53 | $83 | $129 | $1,548 | -11% |
| 54 | $92 | $136 | $1,630 | 5% |
| 55 | $87 | $134 | $1,609 | -1% |
| 56 | $87 | $140 | $1,684 | 5% |
| 57 | $94 | $146 | $1,755 | 4% |
| 58 | $95 | $147 | $1,759 | 0% |
| 59 | $92 | $138 | $1,659 | -6% |
| 60 | $90 | $137 | $1,639 | -1% |
| 61 | $93 | $138 | $1,657 | 1% |
| 62 | $95 | $144 | $1,733 | 5% |
| 63 | $95 | $136 | $1,629 | -6% |
| 64 | $81 | $121 | $1,455 | -11% |
| 65 | $88 | $138 | $1,658 | 14% |
| 66 | $96 | $146 | $1,755 | 6% |
| 67 | $86 | $122 | $1,462 | -17% |
| 68 | $86 | $126 | $1,518 | 4% |
| 69 | $83 | $125 | $1,505 | -1% |
| 70 | $97 | $153 | $1,841 | 22% |
| 71 | $84 | $155 | $1,865 | 1% |
| 72 | $80 | $121 | $1,455 | -22% |
| 73 | $83 | $124 | $1,488 | 2% |
| 74 | $94 | $138 | $1,655 | 11% |
| 75 | $84 | $130 | $1,562 | -6% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $436/mo and rates drop to $165/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 $335 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 | $232 | $335 | $4,015 | -32% |
| 18 | $168 | $321 | $3,852 | -4% |
| 19 | $214 | $344 | $4,133 | 7% |
| 20 | $97 | $184 | $2,210 | -47% |
| 21 | $104 | $169 | $2,029 | -8% |
| 22 | $86 | $138 | $1,658 | -18% |
| 23 | $81 | $119 | $1,428 | -14% |
| 24 | $69 | $120 | $1,444 | 1% |
| 25 | $86 | $145 | $1,736 | 20% |
| 26 | $64 | $122 | $1,465 | -16% |
| 27 | $60 | $97 | $1,161 | -21% |
| 28 | $63 | $105 | $1,261 | 9% |
| 29 | $80 | $140 | $1,676 | 33% |
| 30 | $57 | $106 | $1,273 | -24% |
| 31 | $50 | $90 | $1,074 | -16% |
| 32 | $60 | $103 | $1,232 | 15% |
| 33 | $66 | $112 | $1,340 | 9% |
| 34 | $46 | $84 | $1,004 | -25% |
| 35 | $56 | $95 | $1,135 | 13% |
| 36 | $61 | $116 | $1,393 | 23% |
| 37 | $61 | $111 | $1,332 | -4% |
| 38 | $60 | $88 | $1,059 | -21% |
| 39 | $67 | $122 | $1,463 | 38% |
| 40 | $75 | $116 | $1,397 | -4% |
| 41 | $64 | $109 | $1,308 | -6% |
| 42 | $68 | $138 | $1,656 | 27% |
| 43 | $68 | $98 | $1,172 | -29% |
| 44 | $65 | $91 | $1,094 | -7% |
| 45 | $51 | $92 | $1,098 | 0% |
| 46 | $62 | $95 | $1,144 | 4% |
| 47 | $61 | $103 | $1,234 | 8% |
| 48 | $54 | $93 | $1,113 | -10% |
| 49 | $61 | $98 | $1,175 | 6% |
| 50 | $46 | $92 | $1,101 | -6% |
| 51 | $43 | $81 | $977 | -11% |
| 52 | $69 | $105 | $1,263 | 29% |
| 53 | $44 | $88 | $1,062 | -16% |
| 54 | $42 | $81 | $966 | -9% |
| 55 | $73 | $91 | $1,095 | 13% |
| 56 | $42 | $73 | $871 | -20% |
| 57 | $51 | $69 | $825 | -5% |
| 58 | $59 | $78 | $934 | 13% |
| 59 | $62 | $101 | $1,210 | 30% |
| 60 | $42 | $76 | $913 | -25% |
| 61 | $42 | $70 | $841 | -8% |
| 62 | $41 | $59 | $703 | -16% |
| 63 | $45 | $86 | $1,033 | 47% |
| 64 | $58 | $81 | $967 | -6% |
| 65 | $38 | $67 | $807 | -17% |
| 66 | $39 | $72 | $858 | 6% |
| 67 | $47 | $88 | $1,057 | 23% |
| 68 | $48 | $87 | $1,047 | -1% |
| 69 | $51 | $88 | $1,056 | 1% |
| 70 | $42 | $77 | $927 | -12% |
| 71 | $44 | $63 | $757 | -18% |
| 72 | $54 | $81 | $972 | 28% |
| 73 | $40 | $91 | $1,090 | 12% |
| 74 | $74 | $83 | $1,001 | -8% |
| 75 | $43 | $97 | $1,164 | 16% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
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 $496 per month at 16, above the national average for that age, and decline steadily through the mid-60s. By 65, the average reaches $178 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $203 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 | $496 | $5,956 | – |
| 17 | $274 | $453 | $5,433 | -9% |
| 18 | $295 | $482 | $5,780 | 6% |
| 19 | $298 | $513 | $6,158 | 7% |
| 20 | $260 | $436 | $5,235 | -15% |
| 21 | $230 | $389 | $4,673 | -11% |
| 22 | $207 | $353 | $4,232 | -9% |
| 23 | $185 | $315 | $3,779 | -11% |
| 24 | $173 | $311 | $3,726 | -1% |
| 25 | $168 | $284 | $3,409 | -9% |
| 26 | $158 | $276 | $3,309 | -3% |
| 27 | $150 | $262 | $3,145 | -5% |
| 28 | $155 | $260 | $3,125 | -1% |
| 29 | $141 | $243 | $2,913 | -7% |
| 30 | $136 | $238 | $2,860 | -2% |
| 31 | $134 | $231 | $2,776 | -3% |
| 32 | $139 | $240 | $2,883 | 4% |
| 33 | $132 | $225 | $2,702 | -6% |
| 34 | $132 | $228 | $2,732 | 1% |
| 35 | $132 | $226 | $2,707 | -1% |
| 36 | $122 | $211 | $2,528 | -7% |
| 37 | $126 | $214 | $2,566 | 2% |
| 38 | $126 | $211 | $2,534 | -1% |
| 39 | $126 | $216 | $2,592 | 2% |
| 40 | $126 | $223 | $2,681 | 3% |
| 41 | $128 | $218 | $2,613 | -3% |
| 42 | $118 | $205 | $2,457 | -6% |
| 43 | $121 | $214 | $2,571 | 5% |
| 44 | $122 | $215 | $2,574 | 0% |
| 45 | $119 | $209 | $2,504 | -3% |
| 46 | $110 | $191 | $2,296 | -8% |
| 47 | $121 | $221 | $2,651 | 15% |
| 48 | $125 | $206 | $2,472 | -7% |
| 49 | $116 | $210 | $2,519 | 2% |
| 50 | $113 | $199 | $2,383 | -5% |
| 51 | $107 | $190 | $2,276 | -4% |
| 52 | $116 | $207 | $2,484 | 9% |
| 53 | $109 | $185 | $2,223 | -11% |
| 54 | $117 | $201 | $2,410 | 8% |
| 55 | $108 | $184 | $2,208 | -8% |
| 56 | $107 | $190 | $2,280 | 3% |
| 57 | $102 | $178 | $2,142 | -6% |
| 58 | $112 | $189 | $2,266 | 6% |
| 59 | $110 | $202 | $2,428 | 7% |
| 60 | $98 | $171 | $2,049 | -16% |
| 61 | $110 | $194 | $2,326 | 13% |
| 62 | $102 | $177 | $2,121 | -9% |
| 63 | $107 | $186 | $2,236 | 5% |
| 64 | $110 | $184 | $2,213 | -1% |
| 65 | $106 | $178 | $2,140 | -3% |
| 66 | $101 | $174 | $2,091 | -2% |
| 67 | $99 | $179 | $2,146 | 3% |
| 68 | $102 | $181 | $2,169 | 1% |
| 69 | $106 | $188 | $2,259 | 4% |
| 70 | $100 | $192 | $2,299 | 2% |
| 71 | $114 | $193 | $2,322 | 1% |
| 72 | $101 | $180 | $2,163 | -7% |
| 73 | $114 | $201 | $2,410 | 11% |
| 74 | $116 | $198 | $2,381 | -1% |
| 75 | $119 | $203 | $2,432 | 2% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Virginia rates average $496/mo at age 16 and decline steadily to $178/mo by 65 before rising to $203/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.
Washington
Washington rates average $516 per month at 16 before dipping at 17 and then spiking -4% at 18 to $549 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 $211 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 | $317 | $516 | $6,188 | – |
| 17 | $311 | $572 | $6,868 | 11% |
| 18 | $281 | $549 | $6,584 | -4% |
| 19 | $256 | $526 | $6,307 | -4% |
| 20 | $232 | $451 | $5,411 | -14% |
| 21 | $186 | $363 | $4,352 | -20% |
| 22 | $171 | $341 | $4,094 | -6% |
| 23 | $159 | $291 | $3,494 | -15% |
| 24 | $163 | $319 | $3,824 | 9% |
| 25 | $146 | $292 | $3,509 | -8% |
| 26 | $146 | $285 | $3,419 | -3% |
| 27 | $131 | $263 | $3,159 | -8% |
| 28 | $129 | $266 | $3,192 | 1% |
| 29 | $126 | $270 | $3,245 | 2% |
| 30 | $120 | $243 | $2,920 | -10% |
| 31 | $119 | $234 | $2,808 | -4% |
| 32 | $114 | $227 | $2,728 | -3% |
| 33 | $115 | $239 | $2,866 | 5% |
| 34 | $114 | $223 | $2,677 | -7% |
| 35 | $107 | $213 | $2,552 | -5% |
| 36 | $101 | $207 | $2,489 | -2% |
| 37 | $102 | $201 | $2,409 | -3% |
| 38 | $104 | $206 | $2,466 | 2% |
| 39 | $97 | $199 | $2,391 | -3% |
| 40 | $93 | $183 | $2,192 | -8% |
| 41 | $98 | $197 | $2,360 | 8% |
| 42 | $102 | $194 | $2,328 | -1% |
| 43 | $94 | $182 | $2,185 | -6% |
| 44 | $100 | $194 | $2,325 | 6% |
| 45 | $102 | $199 | $2,388 | 3% |
| 46 | $94 | $185 | $2,225 | -7% |
| 47 | $97 | $192 | $2,305 | 4% |
| 48 | $97 | $181 | $2,168 | -6% |
| 49 | $95 | $185 | $2,222 | 2% |
| 50 | $94 | $194 | $2,323 | 5% |
| 51 | $91 | $176 | $2,107 | -9% |
| 52 | $95 | $179 | $2,148 | 2% |
| 53 | $92 | $182 | $2,183 | 2% |
| 54 | $88 | $173 | $2,082 | -5% |
| 55 | $95 | $183 | $2,198 | 6% |
| 56 | $91 | $171 | $2,050 | -7% |
| 57 | $91 | $174 | $2,087 | 2% |
| 58 | $92 | $168 | $2,012 | -4% |
| 59 | $84 | $165 | $1,978 | -2% |
| 60 | $91 | $167 | $2,005 | 1% |
| 61 | $93 | $184 | $2,211 | 10% |
| 62 | $89 | $164 | $1,965 | -11% |
| 63 | $92 | $169 | $2,029 | 3% |
| 64 | $72 | $147 | $1,767 | -13% |
| 65 | $98 | $170 | $2,035 | 15% |
| 66 | $90 | $172 | $2,065 | 1% |
| 67 | $90 | $166 | $1,986 | -4% |
| 68 | $86 | $152 | $1,828 | -8% |
| 69 | $84 | $152 | $1,825 | -0% |
| 70 | $84 | $154 | $1,844 | 1% |
| 71 | $80 | $143 | $1,715 | -7% |
| 72 | $90 | $166 | $1,987 | 16% |
| 73 | $90 | $153 | $1,834 | -8% |
| 74 | $87 | $162 | $1,947 | 6% |
| 75 | $97 | $211 | $2,532 | 30% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Washington rates peak at age 18 ($549/mo) before declining steadily to $170/mo by 65. Rates rise again to $211/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 $312 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 $290 per month. After that, rates follow a more typical downward trend. By 65, the average reaches $193 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 | $198 | $312 | $3,744 | – |
| 18 | $195 | $341 | $4,097 | 9% |
| 19 | $183 | $367 | $4,402 | 7% |
| 20 | $174 | $354 | $4,252 | -3% |
| 21 | $166 | $366 | $4,396 | 3% |
| 22 | $142 | $290 | $3,483 | -21% |
| 23 | $141 | $273 | $3,277 | -6% |
| 24 | $146 | $291 | $3,493 | 7% |
| 25 | $128 | $264 | $3,163 | -9% |
| 26 | $120 | $257 | $3,080 | -3% |
| 27 | $124 | $247 | $2,962 | -4% |
| 28 | $117 | $232 | $2,780 | -6% |
| 29 | $124 | $233 | $2,791 | 0% |
| 30 | $119 | $247 | $2,959 | 6% |
| 31 | $116 | $213 | $2,551 | -14% |
| 32 | $109 | $220 | $2,640 | 3% |
| 33 | $98 | $232 | $2,787 | 6% |
| 34 | $105 | $213 | $2,556 | -8% |
| 35 | $103 | $213 | $2,560 | 0% |
| 36 | $106 | $230 | $2,757 | 8% |
| 37 | $102 | $198 | $2,370 | -14% |
| 38 | $100 | $209 | $2,514 | 6% |
| 39 | $96 | $194 | $2,331 | -7% |
| 40 | $104 | $198 | $2,374 | 2% |
| 41 | $102 | $211 | $2,537 | 7% |
| 42 | $97 | $216 | $2,593 | 2% |
| 43 | $92 | $202 | $2,425 | -6% |
| 44 | $97 | $220 | $2,644 | 9% |
| 45 | $101 | $217 | $2,609 | -1% |
| 46 | $103 | $207 | $2,487 | -5% |
| 47 | $102 | $210 | $2,515 | 1% |
| 48 | $98 | $209 | $2,512 | -0% |
| 49 | $100 | $189 | $2,272 | -10% |
| 50 | $89 | $173 | $2,073 | -9% |
| 51 | $90 | $169 | $2,034 | -2% |
| 52 | $102 | $191 | $2,288 | 12% |
| 53 | $93 | $181 | $2,175 | -5% |
| 54 | $97 | $201 | $2,407 | 11% |
| 55 | $97 | $201 | $2,413 | 0% |
| 56 | $85 | $170 | $2,038 | -16% |
| 57 | $89 | $160 | $1,915 | -6% |
| 58 | $85 | $161 | $1,937 | 1% |
| 59 | $83 | $159 | $1,904 | -2% |
| 60 | $85 | $169 | $2,027 | 6% |
| 61 | $86 | $171 | $2,055 | 1% |
| 62 | $86 | $159 | $1,912 | -7% |
| 63 | $86 | $180 | $2,158 | 13% |
| 64 | $93 | $221 | $2,647 | 23% |
| 65 | $88 | $193 | $2,312 | -13% |
| 66 | $84 | $157 | $1,880 | -19% |
| 67 | $87 | $168 | $2,018 | 7% |
| 68 | $93 | $186 | $2,235 | 11% |
| 69 | $88 | $180 | $2,165 | -3% |
| 70 | $83 | $158 | $1,895 | -12% |
| 71 | $98 | $210 | $2,522 | 33% |
| 72 | $95 | $169 | $2,031 | -19% |
| 73 | $75 | $153 | $1,842 | -9% |
| 74 | $77 | $166 | $1,988 | 8% |
| 75 | $105 | $194 | $2,325 | 17% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: West Virginia rates spike through age 21 before falling 21% at 22. By 65, the average is $193/mo, easing slightly to $194/mo by 75. Jerry’s dataset starts at age 17 ($312 mo).
Wisconsin
Wisconsin has one of the most dramatic spikes for Jerry drivers once they turn 18. Rates dip to $261 per month at 17 before jumping 68% at 18 to $437 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 | $178 | $314 | $3,772 | – |
| 17 | $163 | $261 | $3,129 | -17% |
| 18 | $167 | $437 | $5,249 | 68% |
| 19 | $138 | $271 | $3,257 | -38% |
| 20 | $134 | $285 | $3,420 | 5% |
| 21 | $105 | $226 | $2,716 | -21% |
| 22 | $104 | $230 | $2,764 | 2% |
| 23 | $93 | $185 | $2,215 | -20% |
| 24 | $86 | $172 | $2,064 | -7% |
| 25 | $83 | $186 | $2,229 | 8% |
| 26 | $83 | $159 | $1,906 | -14% |
| 27 | $81 | $158 | $1,891 | -1% |
| 28 | $72 | $145 | $1,743 | -8% |
| 29 | $75 | $155 | $1,858 | 7% |
| 30 | $69 | $146 | $1,751 | -6% |
| 31 | $70 | $140 | $1,676 | -4% |
| 32 | $69 | $140 | $1,680 | 0% |
| 33 | $71 | $156 | $1,876 | 12% |
| 34 | $65 | $127 | $1,519 | -19% |
| 35 | $64 | $124 | $1,482 | -2% |
| 36 | $65 | $129 | $1,545 | 4% |
| 37 | $64 | $134 | $1,607 | 4% |
| 38 | $67 | $134 | $1,608 | 0% |
| 39 | $62 | $125 | $1,502 | -7% |
| 40 | $62 | $122 | $1,460 | -3% |
| 41 | $70 | $141 | $1,693 | 16% |
| 42 | $66 | $130 | $1,556 | -8% |
| 43 | $58 | $114 | $1,367 | -12% |
| 44 | $64 | $134 | $1,613 | 18% |
| 45 | $63 | $129 | $1,552 | -4% |
| 46 | $59 | $120 | $1,439 | -7% |
| 47 | $62 | $117 | $1,401 | -3% |
| 48 | $58 | $113 | $1,359 | -3% |
| 49 | $64 | $118 | $1,411 | 4% |
| 50 | $58 | $116 | $1,389 | -2% |
| 51 | $61 | $122 | $1,463 | 5% |
| 52 | $62 | $124 | $1,491 | 2% |
| 53 | $60 | $111 | $1,330 | -11% |
| 54 | $56 | $108 | $1,294 | -3% |
| 55 | $55 | $113 | $1,351 | 4% |
| 56 | $52 | $103 | $1,234 | -9% |
| 57 | $53 | $106 | $1,273 | 3% |
| 58 | $55 | $103 | $1,231 | -3% |
| 59 | $52 | $110 | $1,318 | 7% |
| 60 | $52 | $105 | $1,255 | -5% |
| 61 | $50 | $94 | $1,132 | -10% |
| 62 | $54 | $100 | $1,204 | 6% |
| 63 | $61 | $115 | $1,377 | 14% |
| 64 | $52 | $109 | $1,309 | -5% |
| 65 | $46 | $90 | $1,085 | -17% |
| 66 | $54 | $106 | $1,276 | 18% |
| 67 | $46 | $92 | $1,105 | -13% |
| 68 | $48 | $103 | $1,242 | 12% |
| 69 | $47 | $85 | $1,014 | -18% |
| 70 | $57 | $111 | $1,333 | 31% |
| 71 | $49 | $98 | $1,174 | -12% |
| 72 | $53 | $106 | $1,269 | 8% |
| 73 | $55 | $109 | $1,309 | 3% |
| 74 | $58 | $116 | $1,388 | 6% |
| 75 | $52 | $92 | $1,108 | -20% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Wisconsin rates spike 68% 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 $70 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 | $83 | $219 | $2,630 | -21% |
| 18 | $167 | $242 | $2,899 | 10% |
| 19 | $153 | $282 | $3,383 | 17% |
| 20 | $111 | $202 | $2,418 | -29% |
| 21 | $92 | $210 | $2,520 | 4% |
| 22 | $85 | $150 | $1,802 | -28% |
| 23 | $95 | $168 | $2,021 | 12% |
| 24 | $92 | $174 | $2,084 | 3% |
| 25 | $77 | $123 | $1,482 | -29% |
| 26 | $64 | $108 | $1,292 | -13% |
| 27 | $65 | $113 | $1,355 | 5% |
| 28 | $57 | $106 | $1,269 | -6% |
| 29 | $67 | $126 | $1,513 | 19% |
| 30 | $61 | $110 | $1,318 | -13% |
| 31 | $48 | $82 | $983 | -25% |
| 32 | $59 | $116 | $1,390 | 41% |
| 33 | $63 | $134 | $1,602 | 15% |
| 34 | $49 | $103 | $1,235 | -23% |
| 35 | $52 | $98 | $1,176 | -5% |
| 36 | $59 | $117 | $1,407 | 20% |
| 37 | $55 | $97 | $1,170 | -17% |
| 38 | $46 | $88 | $1,052 | -10% |
| 39 | $60 | $101 | $1,215 | 16% |
| 40 | $54 | $100 | $1,197 | -1% |
| 41 | $42 | $78 | $931 | -22% |
| 42 | $50 | $109 | $1,305 | 40% |
| 43 | $51 | $99 | $1,189 | -9% |
| 44 | $53 | $106 | $1,267 | 7% |
| 45 | $57 | $104 | $1,254 | -1% |
| 46 | $84 | $121 | $1,457 | 16% |
| 47 | $49 | $86 | $1,036 | -29% |
| 48 | $58 | $104 | $1,253 | 21% |
| 49 | $65 | $130 | $1,561 | 25% |
| 50 | $47 | $83 | $1,001 | -36% |
| 51 | $56 | $104 | $1,252 | 25% |
| 52 | $51 | $90 | $1,082 | -14% |
| 53 | $47 | $74 | $893 | -17% |
| 54 | $53 | $99 | $1,193 | 34% |
| 55 | $56 | $119 | $1,425 | 19% |
| 56 | $47 | $95 | $1,140 | -20% |
| 57 | $46 | $87 | $1,045 | -8% |
| 58 | $43 | $81 | $974 | -7% |
| 59 | $43 | $72 | $868 | -11% |
| 60 | $47 | $75 | $894 | 3% |
| 61 | $50 | $76 | $909 | 2% |
| 62 | $42 | $75 | $898 | -1% |
| 63 | $43 | $80 | $955 | 6% |
| 64 | $52 | $81 | $972 | 2% |
| 65 | $42 | $70 | $837 | -14% |
| 66 | $49 | $81 | $974 | 16% |
| 67 | $43 | $70 | $834 | -14% |
| 68 | $56 | $76 | $908 | 9% |
| 69 | $56 | $87 | $1,043 | 15% |
| 70 | $84 | $106 | $1,274 | 22% |
| 71 | $31 | $57 | $689 | -46% |
| 72 | $39 | $64 | $774 | 12% |
| 73 | $43 | $70 | $843 | 9% |
| 74 | $45 | $71 | $851 | 1% |
| 75 | $53 | $132 | $1,582 | 86% |
Based on Jerry customers ages 16–75 with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
Key takeaway: Wyoming is among the most affordable states at every age. Teen rates average $277/mo at age 16 and fall to just $70/mo by 65. Year-to-year volatility likely reflects smaller data samples statewide.
Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.
