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	$168	$328	$3,938	-16%
19	$161	$316	$3,792	-4%
20	$145	$295	$3,545	-7%
21	$145	$267	$3,203	-10%
22	$118	$242	$2,901	-9%
23	$117	$219	$2,632	-9%
24	$106	$210	$2,517	-4%
25	$102	$197	$2,361	-6%
26	$96	$187	$2,248	-5%
27	$89	$176	$2,117	-6%
28	$91	$178	$2,132	1%
29	$89	$174	$2,090	-2%
30	$92	$183	$2,192	5%
31	$85	$166	$1,998	-9%
32	$85	$170	$2,035	2%
33	$82	$168	$2,021	-1%
34	$81	$167	$2,003	-1%
35	$76	$160	$1,917	-4%
36	$80	$157	$1,886	-2%
37	$78	$159	$1,904	1%
38	$73	$152	$1,826	-4%
39	$78	$156	$1,876	3%
40	$73	$141	$1,694	-10%
41	$80	$170	$2,037	20%
42	$74	$152	$1,825	-10%
43	$75	$147	$1,769	-3%
44	$71	$153	$1,837	4%
45	$72	$143	$1,718	-7%
46	$68	$139	$1,668	-3%
47	$73	$153	$1,835	10%
48	$70	$141	$1,691	-8%
49	$69	$141	$1,691	-0%
50	$66	$137	$1,649	-2%
51	$70	$143	$1,718	4%
52	$62	$130	$1,554	-10%
53	$66	$138	$1,657	7%
54	$68	$137	$1,648	-1%
55	$64	$131	$1,575	-4%
56	$64	$128	$1,532	-3%
57	$59	$116	$1,389	-9%
58	$70	$135	$1,620	17%
59	$65	$128	$1,541	-5%
60	$70	$132	$1,580	3%
61	$64	$131	$1,577	-0%
62	$62	$119	$1,426	-10%
63	$67	$136	$1,631	14%
64	$57	$110	$1,324	-19%
65	$65	$127	$1,529	16%
66	$62	$119	$1,424	-7%
67	$65	$135	$1,626	14%
68	$69	$129	$1,549	-5%
69	$68	$127	$1,526	-2%
70	$70	$133	$1,590	4%
71	$67	$125	$1,500	-6%
72	$71	$139	$1,671	11%
73	$70	$135	$1,620	-3%
74	$76	$149	$1,789	10%
75	$68	$138	$1,654	-8%

Last Updated April 20, 2026

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 $483 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 $333 per month. By 75, the average reaches $151 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	$273	$483	$5,798	–
17	$270	$491	$5,893	2%
18	$283	$511	$6,132	4%
19	$250	$459	$5,502	-10%
20	$221	$406	$4,878	-11%
21	$191	$333	$4,002	-18%
22	$170	$308	$3,690	-8%
23	$160	$279	$3,350	-9%
24	$155	$270	$3,236	-3%
25	$141	$251	$3,018	-7%
26	$141	$244	$2,924	-3%
27	$141	$239	$2,863	-2%
28	$135	$234	$2,812	-2%
29	$124	$219	$2,630	-6%
30	$125	$217	$2,606	-1%
31	$119	$211	$2,537	-3%
32	$120	$213	$2,554	1%
33	$117	$204	$2,443	-4%
34	$113	$201	$2,417	-1%
35	$113	$200	$2,404	-1%
36	$115	$200	$2,398	-0%
37	$114	$193	$2,314	-4%
38	$110	$191	$2,294	-1%
39	$113	$197	$2,361	3%
40	$107	$184	$2,210	-6%
41	$107	$188	$2,258	2%
42	$107	$184	$2,214	-2%
43	$108	$191	$2,296	4%
44	$107	$190	$2,278	-1%
45	$104	$183	$2,198	-3%
46	$103	$184	$2,210	1%
47	$102	$186	$2,228	1%
48	$104	$178	$2,140	-4%
49	$108	$193	$2,318	8%
50	$102	$177	$2,118	-9%
51	$97	$166	$1,991	-6%
52	$97	$174	$2,086	5%
53	$97	$170	$2,045	-2%
54	$99	$169	$2,032	-1%
55	$96	$164	$1,966	-3%
56	$96	$164	$1,966	0%
57	$100	$169	$2,034	3%
58	$93	$161	$1,928	-5%
59	$93	$161	$1,937	0%
60	$93	$165	$1,979	2%
61	$93	$158	$1,897	-4%
62	$90	$160	$1,926	2%
63	$94	$164	$1,965	2%
64	$85	$147	$1,767	-10%
65	$88	$153	$1,839	4%
66	$90	$155	$1,858	1%
67	$88	$151	$1,812	-2%
68	$85	$142	$1,705	-6%
69	$95	$169	$2,029	19%
70	$87	$156	$1,872	-8%
71	$91	$157	$1,879	0%
72	$85	$150	$1,794	-5%
73	$85	$149	$1,791	-0%
74	$94	$170	$2,034	14%
75	$84	$151	$1,808	-11%

Last Updated April 20, 2026

Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 ( 18%). Rates reach $151/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	$374	$4,484	-11%
19	$160	$321	$3,858	-14%
20	$139	$291	$3,491	-10%
21	$124	$255	$3,054	-13%
22	$116	$238	$2,857	-6%
23	$109	$230	$2,760	-3%
24	$98	$197	$2,364	-14%
25	$99	$201	$2,411	2%
26	$94	$192	$2,307	-4%
27	$90	$185	$2,221	-4%
28	$91	$183	$2,197	-1%
29	$89	$183	$2,190	-0%
30	$84	$177	$2,123	-3%
31	$83	$172	$2,067	-3%
32	$86	$176	$2,111	2%
33	$76	$162	$1,943	-8%
34	$74	$153	$1,830	-6%
35	$76	$153	$1,840	1%
36	$76	$159	$1,913	4%
37	$75	$157	$1,888	-1%
38	$74	$157	$1,878	-1%
39	$76	$159	$1,906	1%
40	$74	$151	$1,813	-5%
41	$76	$155	$1,854	2%
42	$70	$146	$1,754	-5%
43	$74	$152	$1,823	4%
44	$73	$151	$1,817	-0%
45	$70	$143	$1,719	-5%
46	$69	$146	$1,752	2%
47	$72	$149	$1,792	2%
48	$76	$159	$1,913	7%
49	$72	$148	$1,775	-7%
50	$63	$132	$1,583	-11%
51	$68	$136	$1,629	3%
52	$69	$138	$1,662	2%
53	$66	$135	$1,616	-3%
54	$69	$136	$1,632	1%
55	$68	$140	$1,680	3%
56	$66	$133	$1,598	-5%
57	$69	$134	$1,606	0%
58	$62	$129	$1,543	-4%
59	$68	$132	$1,590	3%
60	$65	$129	$1,549	-3%
61	$63	$124	$1,485	-4%
62	$66	$133	$1,598	8%
63	$74	$169	$2,023	27%
64	$63	$120	$1,439	-29%
65	$66	$122	$1,468	2%
66	$62	$122	$1,459	-1%
67	$71	$139	$1,662	14%
68	$67	$130	$1,564	-6%
69	$67	$134	$1,609	3%
70	$67	$130	$1,556	-3%
71	$66	$129	$1,545	-1%
72	$67	$132	$1,580	2%
73	$62	$123	$1,470	-7%
74	$68	$129	$1,552	6%
75	$66	$138	$1,652	6%

Last Updated April 20, 2026

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 $175 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $194 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	$194	$445	$5,335	-12%
18	$231	$550	$6,600	24%
19	$216	$504	$6,046	-8%
20	$195	$451	$5,417	-10%
21	$178	$403	$4,839	-11%
22	$153	$356	$4,270	-12%
23	$146	$341	$4,091	-4%
24	$139	$317	$3,798	-7%
25	$138	$306	$3,675	-3%
26	$132	$299	$3,584	-2%
27	$124	$283	$3,392	-5%
28	$125	$275	$3,296	-3%
29	$118	$272	$3,268	-1%
30	$116	$255	$3,054	-7%
31	$112	$254	$3,047	-0%
32	$107	$246	$2,957	-3%
33	$107	$238	$2,858	-3%
34	$106	$231	$2,772	-3%
35	$105	$233	$2,793	1%
36	$105	$224	$2,684	-4%
37	$102	$218	$2,611	-3%
38	$102	$219	$2,624	1%
39	$102	$222	$2,670	2%
40	$98	$211	$2,535	-5%
41	$98	$209	$2,513	-1%
42	$97	$206	$2,471	-2%
43	$96	$204	$2,450	-1%
44	$95	$205	$2,456	0%
45	$95	$207	$2,489	1%
46	$96	$208	$2,497	0%
47	$98	$209	$2,508	0%
48	$97	$200	$2,397	-4%
49	$93	$202	$2,429	1%
50	$96	$203	$2,437	0%
51	$95	$199	$2,391	-2%
52	$96	$200	$2,395	0%
53	$96	$197	$2,365	-1%
54	$93	$190	$2,279	-4%
55	$93	$193	$2,313	1%
56	$96	$193	$2,317	0%
57	$91	$184	$2,212	-5%
58	$92	$191	$2,290	4%
59	$91	$184	$2,206	-4%
60	$91	$180	$2,160	-2%
61	$89	$185	$2,223	3%
62	$90	$183	$2,200	-1%
63	$91	$179	$2,143	-3%
64	$90	$175	$2,095	-2%
65	$89	$175	$2,099	0%
66	$92	$183	$2,195	5%
67	$92	$183	$2,196	0%
68	$91	$180	$2,163	-2%
69	$92	$179	$2,151	-1%
70	$93	$189	$2,262	5%
71	$96	$185	$2,222	-2%
72	$96	$187	$2,241	1%
73	$97	$193	$2,311	3%
74	$98	$196	$2,355	2%
75	$100	$194	$2,334	-1%

Last Updated April 20, 2026

Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $503/mo. Rates fall to $175/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 21% 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	$210	$417	$5,006	-19%
18	$231	$474	$5,686	14%
19	$224	$463	$5,560	-2%
20	$191	$408	$4,897	-12%
21	$165	$324	$3,893	-21%
22	$146	$314	$3,772	-3%
23	$140	$294	$3,523	-7%
24	$135	$293	$3,515	-0%
25	$121	$271	$3,254	-7%
26	$120	$255	$3,064	-6%
27	$119	$272	$3,263	7%
28	$112	$246	$2,957	-9%
29	$109	$239	$2,863	-3%
30	$108	$236	$2,833	-1%
31	$112	$239	$2,863	1%
32	$104	$227	$2,721	-5%
33	$100	$217	$2,603	-4%
34	$102	$228	$2,737	5%
35	$98	$219	$2,628	-4%
36	$99	$212	$2,544	-3%
37	$97	$215	$2,577	1%
38	$96	$208	$2,494	-3%
39	$95	$217	$2,609	5%
40	$95	$208	$2,498	-4%
41	$93	$195	$2,344	-6%
42	$88	$187	$2,250	-4%
43	$87	$207	$2,481	10%
44	$91	$197	$2,361	-5%
45	$88	$196	$2,351	-0%
46	$87	$194	$2,334	-1%
47	$88	$191	$2,292	-2%
48	$89	$198	$2,373	4%
49	$90	$196	$2,352	-1%
50	$88	$194	$2,328	-1%
51	$80	$173	$2,076	-11%
52	$86	$191	$2,295	11%
53	$85	$188	$2,253	-2%
54	$79	$174	$2,090	-7%
55	$86	$189	$2,274	9%
56	$82	$180	$2,156	-5%
57	$77	$164	$1,964	-9%
58	$82	$178	$2,136	9%
59	$80	$170	$2,038	-5%
60	$74	$157	$1,885	-7%
61	$77	$162	$1,940	3%
62	$75	$166	$1,995	3%
63	$80	$156	$1,874	-6%
64	$78	$174	$2,088	11%
65	$79	$161	$1,938	-7%
66	$75	$152	$1,822	-6%
67	$80	$161	$1,929	6%
68	$82	$166	$1,987	3%
69	$76	$155	$1,860	-6%
70	$84	$172	$2,059	11%
71	$79	$160	$1,918	-7%
72	$79	$162	$1,945	1%
73	$72	$144	$1,727	-11%
74	$80	$147	$1,763	2%
75	$89	$174	$2,089	18%

Last Updated April 20, 2026

Key takeaway: Colorado’s steepest drop is 21% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $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 23% to $461 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	$428	$769	$9,229	0%
18	$400	$744	$8,923	-3%
19	$349	$651	$7,815	-12%
20	$300	$595	$7,145	-9%
21	$248	$461	$5,536	-23%
22	$242	$431	$5,175	-7%
23	$234	$422	$5,066	-2%
24	$213	$393	$4,718	-7%
25	$203	$396	$4,752	1%
26	$196	$350	$4,204	-12%
27	$186	$335	$4,016	-4%
28	$183	$319	$3,825	-5%
29	$189	$327	$3,927	3%
30	$184	$323	$3,881	-1%
31	$177	$318	$3,819	-2%
32	$171	$289	$3,465	-9%
33	$175	$296	$3,553	3%
34	$170	$281	$3,372	-5%
35	$169	$288	$3,454	2%
36	$174	$290	$3,483	1%
37	$161	$269	$3,234	-7%
38	$166	$273	$3,278	1%
39	$170	$278	$3,337	2%
40	$160	$268	$3,220	-4%
41	$158	$273	$3,272	2%
42	$160	$267	$3,200	-2%
43	$164	$267	$3,209	0%
44	$166	$274	$3,287	2%
45	$167	$281	$3,373	3%
46	$169	$284	$3,414	1%
47	$166	$275	$3,295	-3%
48	$157	$262	$3,145	-5%
49	$164	$266	$3,196	2%
50	$158	$274	$3,289	3%
51	$162	$260	$3,122	-5%
52	$149	$246	$2,949	-6%
53	$152	$253	$3,031	3%
54	$157	$259	$3,105	2%
55	$160	$255	$3,058	-2%
56	$145	$237	$2,846	-7%
57	$137	$228	$2,732	-4%
58	$143	$229	$2,751	1%
59	$133	$214	$2,568	-7%
60	$152	$244	$2,931	14%
61	$127	$212	$2,541	-13%
62	$139	$226	$2,709	7%
63	$135	$220	$2,640	-3%
64	$134	$215	$2,576	-2%
65	$134	$214	$2,574	-0%
66	$131	$218	$2,612	1%
67	$133	$225	$2,695	3%
68	$165	$276	$3,314	23%
69	$152	$242	$2,904	-12%
70	$148	$234	$2,804	-3%
71	$140	$223	$2,679	-4%
72	$158	$252	$3,019	13%
73	$148	$257	$3,089	2%
74	$126	$240	$2,882	-7%
75	$147	$252	$3,028	5%

Last Updated April 20, 2026

Key takeaway: Connecticut 16-year-olds average $768/mo, among the highest nationally. The biggest drop, 23%, happens at age 21 ( 23%). Even at 75, the average stays elevated at $252/mo.

Delaware

Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $721 per month before a steep 31% drop at 19. By 30, rates settle to $249 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	$721	$8,653	18%
19	$285	$498	$5,970	-31%
20	$203	$354	$4,254	-29%
21	$209	$346	$4,154	-2%
22	$192	$313	$3,754	-10%
23	$182	$310	$3,719	-1%
24	$172	$283	$3,400	-9%
25	$160	$260	$3,125	-8%
26	$145	$236	$2,827	-10%
27	$148	$244	$2,923	3%
28	$141	$229	$2,743	-6%
29	$146	$238	$2,856	4%
30	$147	$249	$2,994	5%
31	$145	$243	$2,913	-3%
32	$141	$222	$2,661	-9%
33	$134	$216	$2,586	-3%
34	$139	$215	$2,586	-0%
35	$137	$231	$2,768	7%
36	$125	$198	$2,380	-14%
37	$128	$214	$2,567	8%
38	$127	$207	$2,481	-3%
39	$136	$205	$2,460	-1%
40	$130	$207	$2,489	1%
41	$139	$246	$2,957	19%
42	$122	$201	$2,411	-18%
43	$122	$198	$2,379	-1%
44	$130	$215	$2,578	8%
45	$130	$212	$2,550	-1%
46	$127	$205	$2,455	-4%
47	$126	$205	$2,455	-0%
48	$122	$190	$2,282	-7%
49	$131	$223	$2,675	17%
50	$123	$199	$2,386	-11%
51	$146	$227	$2,720	14%
52	$108	$185	$2,217	-19%
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	$195	$2,339	-3%
58	$116	$196	$2,351	1%
59	$123	$195	$2,335	-1%
60	$113	$182	$2,184	-6%
61	$113	$172	$2,059	-6%
62	$115	$181	$2,174	6%
63	$116	$191	$2,296	6%
64	$110	$173	$2,081	-9%
65	$114	$188	$2,259	9%
66	$96	$163	$1,955	-13%
67	$102	$161	$1,937	-1%
68	$108	$176	$2,110	9%
69	$112	$176	$2,116	0%
70	$111	$186	$2,227	5%
71	$120	$199	$2,389	7%
72	$113	$179	$2,152	-10%
73	$125	$192	$2,308	7%
74	$120	$187	$2,246	-3%
75	$97	$158	$1,900	-15%

Last Updated April 20, 2026

Key takeaway: Delaware rates peak at 18 ( $721/mo) before dropping sharply. By 30, the average falls to $249/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 $290 per month, and by 65 it reaches $200 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	$498	$5,977	–
17	$224	$556	$6,671	12%
18	$224	$560	$6,724	1%
19	$195	$473	$5,677	-16%
20	$170	$425	$5,105	-10%
21	$160	$385	$4,618	-10%
22	$150	$367	$4,406	-5%
23	$137	$330	$3,966	-10%
24	$133	$311	$3,726	-6%
25	$131	$311	$3,736	0%
26	$124	$297	$3,567	-5%
27	$125	$302	$3,622	2%
28	$125	$292	$3,508	-3%
29	$121	$288	$3,460	-1%
30	$122	$290	$3,478	1%
31	$116	$283	$3,394	-2%
32	$116	$282	$3,385	-0%
33	$112	$271	$3,257	-4%
34	$114	$270	$3,236	-1%
35	$112	$263	$3,152	-3%
36	$106	$256	$3,067	-3%
37	$109	$260	$3,123	2%
38	$108	$253	$3,035	-3%
39	$106	$252	$3,024	-0%
40	$105	$255	$3,063	1%
41	$106	$251	$3,010	-2%
42	$104	$248	$2,977	-1%
43	$102	$242	$2,906	-2%
44	$99	$239	$2,863	-1%
45	$99	$236	$2,835	-1%
46	$97	$238	$2,853	1%
47	$99	$236	$2,831	-1%
48	$99	$238	$2,859	1%
49	$99	$243	$2,919	2%
50	$96	$232	$2,786	-5%
51	$96	$233	$2,796	0%
52	$95	$230	$2,761	-1%
53	$92	$223	$2,679	-3%
54	$93	$225	$2,705	1%
55	$93	$220	$2,642	-2%
56	$88	$218	$2,611	-1%
57	$85	$205	$2,460	-6%
58	$91	$215	$2,579	5%
59	$88	$209	$2,503	-3%
60	$87	$203	$2,438	-3%
61	$84	$201	$2,410	-1%
62	$85	$201	$2,414	0%
63	$85	$202	$2,423	0%
64	$82	$192	$2,310	-5%
65	$86	$200	$2,403	4%
66	$84	$194	$2,333	-3%
67	$84	$200	$2,398	3%
68	$84	$196	$2,354	-2%
69	$84	$198	$2,379	1%
70	$83	$200	$2,399	1%
71	$89	$207	$2,486	4%
72	$86	$201	$2,412	-3%
73	$84	$199	$2,385	-1%
74	$91	$218	$2,619	10%
75	$82	$189	$2,272	-13%

Last Updated April 20, 2026

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 $200/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 $752 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 $519 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	$396	$752	$9,020	–
17	$371	$718	$8,613	-5%
18	$414	$809	$9,714	13%
19	$372	$672	$8,063	-17%
20	$336	$598	$7,175	-11%
21	$294	$519	$6,227	-13%
22	$267	$463	$5,559	-11%
23	$249	$431	$5,168	-7%
24	$230	$403	$4,838	-6%
25	$222	$383	$4,599	-5%
26	$213	$361	$4,327	-6%
27	$199	$343	$4,114	-5%
28	$198	$339	$4,071	-1%
29	$193	$332	$3,979	-2%
30	$190	$326	$3,915	-2%
31	$183	$320	$3,840	-2%
32	$187	$320	$3,837	-0%
33	$185	$315	$3,782	-1%
34	$179	$309	$3,702	-2%
35	$179	$307	$3,679	-1%
36	$180	$307	$3,690	0%
37	$175	$301	$3,614	-2%
38	$173	$302	$3,623	0%
39	$170	$290	$3,476	-4%
40	$169	$291	$3,496	1%
41	$164	$283	$3,395	-3%
42	$164	$279	$3,352	-1%
43	$160	$276	$3,314	-1%
44	$160	$277	$3,319	0%
45	$160	$278	$3,339	1%
46	$151	$266	$3,189	-4%
47	$156	$272	$3,265	2%
48	$158	$276	$3,317	2%
49	$154	$275	$3,303	-0%
50	$156	$270	$3,242	-2%
51	$150	$257	$3,079	-5%
52	$147	$257	$3,088	0%
53	$148	$257	$3,082	-0%
54	$143	$251	$3,012	-2%
55	$151	$263	$3,152	5%
56	$147	$254	$3,043	-3%
57	$152	$260	$3,120	3%
58	$141	$245	$2,943	-6%
59	$142	$250	$3,005	2%
60	$149	$257	$3,086	3%
61	$148	$255	$3,059	-1%
62	$148	$254	$3,048	-0%
63	$151	$260	$3,116	2%
64	$149	$255	$3,055	-2%
65	$149	$253	$3,041	-0%
66	$144	$258	$3,092	2%
67	$151	$256	$3,075	-1%
68	$149	$258	$3,097	1%
69	$149	$258	$3,101	0%
70	$150	$259	$3,104	0%
71	$155	$267	$3,204	3%
72	$152	$257	$3,084	-4%
73	$154	$271	$3,247	5%
74	$152	$256	$3,068	-6%
75	$162	$289	$3,473	13%

Last Updated April 20, 2026

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 $362 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	$271	$362	$4,349	–
17	$128	$256	$3,067	-29%
18	$204	$309	$3,704	21%
19	$140	$232	$2,783	-25%
20	$125	$241	$2,897	4%
21	$108	$194	$2,328	-20%
22	$94	$155	$1,857	-20%
23	$76	$144	$1,726	-7%
24	$77	$136	$1,629	-6%
25	$80	$143	$1,717	5%
26	$77	$156	$1,872	9%
27	$68	$122	$1,462	-22%
28	$73	$143	$1,716	17%
29	$67	$113	$1,356	-21%
30	$62	$117	$1,405	4%
31	$59	$105	$1,257	-11%
32	$61	$112	$1,348	7%
33	$59	$112	$1,344	-0%
34	$65	$120	$1,434	7%
35	$65	$106	$1,271	-11%
36	$57	$104	$1,249	-2%
37	$59	$107	$1,281	3%
38	$54	$89	$1,062	-17%
39	$59	$99	$1,186	12%
40	$56	$94	$1,132	-5%
41	$59	$98	$1,177	4%
42	$58	$103	$1,233	5%
43	$60	$107	$1,280	4%
44	$61	$107	$1,282	0%
45	$52	$91	$1,089	-15%
46	$60	$109	$1,307	20%
47	$55	$92	$1,103	-16%
48	$56	$93	$1,117	1%
49	$56	$96	$1,152	3%
50	$56	$98	$1,176	2%
51	$52	$99	$1,185	1%
52	$52	$91	$1,094	-8%
53	$57	$100	$1,199	10%
54	$46	$80	$957	-20%
55	$55	$93	$1,119	17%
56	$46	$77	$928	-17%
57	$64	$107	$1,282	38%
58	$55	$86	$1,030	-20%
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	$70	$837	-17%
69	$45	$77	$925	10%
70	$43	$72	$867	-6%
71	$50	$83	$991	14%
72	$45	$63	$754	-24%
73	$44	$80	$955	27%
74	$44	$76	$915	-4%
75	$58	$89	$1,071	17%

Last Updated April 20, 2026

Key takeaway: Idaho is among the cheapest states at every age. Teens average $362/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 14% and 17% respectively, steeper than the national average for those years. By 30, Illinois drivers average $179 per month. Rates continue declining into the 60s, reaching $135 per month at age 65. By 75, the average is $141 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	$200	$382	$4,583	-6%
19	$199	$370	$4,438	-3%
20	$185	$385	$4,618	4%
21	$160	$329	$3,948	-14%
22	$134	$272	$3,259	-17%
23	$134	$256	$3,068	-6%
24	$125	$224	$2,688	-12%
25	$115	$214	$2,568	-4%
26	$109	$198	$2,371	-8%
27	$98	$187	$2,243	-5%
28	$99	$185	$2,217	-1%
29	$100	$185	$2,219	0%
30	$94	$179	$2,151	-3%
31	$93	$181	$2,173	1%
32	$99	$192	$2,303	6%
33	$94	$174	$2,085	-9%
34	$89	$171	$2,047	-2%
35	$91	$174	$2,083	2%
36	$88	$169	$2,032	-2%
37	$86	$161	$1,935	-5%
38	$86	$167	$2,005	4%
39	$90	$173	$2,074	3%
40	$85	$160	$1,920	-7%
41	$81	$155	$1,861	-3%
42	$84	$158	$1,899	2%
43	$85	$156	$1,872	-1%
44	$84	$161	$1,937	3%
45	$80	$147	$1,763	-9%
46	$80	$151	$1,810	3%
47	$86	$163	$1,957	8%
48	$82	$156	$1,878	-4%
49	$81	$153	$1,840	-2%
50	$81	$149	$1,792	-3%
51	$83	$158	$1,897	6%
52	$81	$147	$1,766	-7%
53	$77	$146	$1,757	-0%
54	$78	$144	$1,725	-2%
55	$81	$155	$1,854	8%
56	$78	$143	$1,720	-7%
57	$74	$136	$1,632	-5%
58	$75	$142	$1,707	5%
59	$83	$148	$1,774	4%
60	$81	$148	$1,780	0%
61	$75	$142	$1,707	-4%
62	$74	$143	$1,712	0%
63	$74	$136	$1,634	-5%
64	$80	$148	$1,772	8%
65	$76	$135	$1,624	-8%
66	$79	$149	$1,791	10%
67	$78	$138	$1,657	-7%
68	$80	$144	$1,726	4%
69	$79	$140	$1,680	-3%
70	$79	$149	$1,787	6%
71	$77	$143	$1,713	-4%
72	$80	$147	$1,764	3%
73	$76	$127	$1,522	-14%
74	$75	$133	$1,596	5%
75	$79	$141	$1,688	6%

Last Updated April 20, 2026

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	$3,701	8%
19	$144	$280	$3,359	-9%
20	$133	$263	$3,154	-6%
21	$118	$227	$2,725	-14%
22	$110	$209	$2,506	-8%
23	$101	$197	$2,360	-6%
24	$97	$179	$2,143	-9%
25	$92	$176	$2,114	-1%
26	$88	$158	$1,891	-11%
27	$82	$146	$1,746	-8%
28	$90	$160	$1,922	10%
29	$81	$145	$1,741	-9%
30	$83	$148	$1,779	2%
31	$82	$159	$1,912	7%
32	$78	$142	$1,701	-11%
33	$75	$133	$1,591	-6%
34	$75	$138	$1,662	4%
35	$72	$129	$1,547	-7%
36	$78	$138	$1,658	7%
37	$74	$131	$1,574	-5%
38	$77	$132	$1,580	0%
39	$74	$129	$1,552	-2%
40	$77	$137	$1,642	6%
41	$71	$128	$1,533	-7%
42	$70	$129	$1,547	1%
43	$72	$133	$1,596	3%
44	$69	$127	$1,524	-5%
45	$72	$132	$1,579	4%
46	$72	$129	$1,543	-2%
47	$72	$126	$1,509	-2%
48	$73	$125	$1,501	-1%
49	$69	$126	$1,512	1%
50	$69	$120	$1,436	-5%
51	$67	$121	$1,448	1%
52	$71	$118	$1,411	-3%
53	$72	$125	$1,496	6%
54	$61	$113	$1,354	-9%
55	$63	$109	$1,305	-4%
56	$62	$108	$1,298	-0%
57	$67	$122	$1,469	13%
58	$61	$107	$1,283	-13%
59	$62	$109	$1,314	2%
60	$63	$107	$1,288	-2%
61	$65	$114	$1,367	6%
62	$60	$110	$1,325	-3%
63	$65	$119	$1,426	8%
64	$62	$110	$1,326	-7%
65	$59	$102	$1,226	-7%
66	$64	$112	$1,343	9%
67	$62	$105	$1,258	-6%
68	$55	$108	$1,294	3%
69	$60	$99	$1,192	-8%
70	$66	$118	$1,420	19%
71	$71	$114	$1,367	-4%
72	$64	$108	$1,298	-5%
73	$68	$114	$1,374	6%
74	$72	$124	$1,482	8%
75	$64	$110	$1,318	-11%

Last Updated April 20, 2026

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	$194	$2,322	-19%
18	$131	$233	$2,799	21%
19	$126	$227	$2,726	-3%
20	$107	$193	$2,314	-15%
21	$106	$181	$2,175	-6%
22	$78	$151	$1,810	-17%
23	$67	$112	$1,343	-26%
24	$75	$133	$1,598	19%
25	$67	$118	$1,416	-11%
26	$66	$117	$1,403	-1%
27	$69	$126	$1,509	8%
28	$66	$120	$1,443	-4%
29	$65	$126	$1,514	5%
30	$67	$116	$1,391	-8%
31	$63	$113	$1,358	-2%
32	$64	$123	$1,479	9%
33	$62	$109	$1,311	-11%
34	$58	$107	$1,289	-2%
35	$59	$108	$1,290	0%
36	$55	$88	$1,054	-18%
37	$57	$101	$1,209	15%
38	$51	$89	$1,069	-12%
39	$56	$93	$1,121	5%
40	$56	$99	$1,188	6%
41	$57	$106	$1,266	7%
42	$53	$98	$1,173	-7%
43	$61	$100	$1,206	3%
44	$51	$95	$1,146	-5%
45	$54	$95	$1,138	-1%
46	$56	$95	$1,136	-0%
47	$58	$97	$1,166	3%
48	$54	$88	$1,056	-9%
49	$53	$93	$1,112	5%
50	$47	$88	$1,050	-6%
51	$50	$91	$1,092	4%
52	$53	$91	$1,088	-0%
53	$50	$94	$1,125	3%
54	$50	$84	$1,011	-10%
55	$48	$84	$1,006	-0%
56	$52	$90	$1,079	7%
57	$52	$87	$1,046	-3%
58	$53	$85	$1,014	-3%
59	$41	$83	$997	-2%
60	$52	$85	$1,024	3%
61	$46	$78	$931	-9%
62	$39	$73	$873	-6%
63	$45	$75	$902	3%
64	$41	$76	$908	1%
65	$43	$84	$1,009	11%
66	$41	$75	$899	-11%
67	$30	$60	$716	-20%
68	$44	$83	$1,002	40%
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	$48	$85	$1,019	3%

Last Updated April 20, 2026

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

Kansas

Kansas rates are below the national average for most age groups — 16-year-olds average $324 per month, and rates decline steadily with age, reaching $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	$182	$297	$3,569	-8%
18	$174	$330	$3,955	11%
19	$149	$273	$3,276	-17%
20	$150	$270	$3,244	-1%
21	$127	$245	$2,941	-9%
22	$126	$227	$2,724	-7%
23	$113	$205	$2,458	-10%
24	$106	$181	$2,177	-11%
25	$102	$184	$2,207	1%
26	$97	$170	$2,042	-7%
27	$98	$180	$2,163	6%
28	$82	$151	$1,817	-16%
29	$84	$152	$1,826	0%
30	$87	$173	$2,071	13%
31	$88	$160	$1,920	-7%
32	$88	$158	$1,896	-1%
33	$85	$153	$1,834	-3%
34	$85	$146	$1,747	-5%
35	$83	$149	$1,789	2%
36	$79	$152	$1,818	2%
37	$81	$145	$1,739	-4%
38	$76	$144	$1,732	-0%
39	$75	$137	$1,641	-5%
40	$76	$136	$1,635	-0%
41	$70	$128	$1,538	-6%
42	$78	$137	$1,646	7%
43	$76	$133	$1,594	-3%
44	$78	$137	$1,644	3%
45	$74	$133	$1,596	-3%
46	$71	$130	$1,557	-2%
47	$73	$140	$1,685	8%
48	$72	$138	$1,657	-2%
49	$72	$125	$1,499	-10%
50	$75	$133	$1,594	6%
51	$70	$128	$1,541	-3%
52	$69	$121	$1,456	-6%
53	$71	$131	$1,568	8%
54	$67	$116	$1,388	-11%
55	$70	$134	$1,603	15%
56	$63	$113	$1,351	-16%
57	$67	$122	$1,458	8%
58	$66	$111	$1,333	-9%
59	$66	$119	$1,429	7%
60	$64	$105	$1,259	-12%
61	$68	$117	$1,402	11%
62	$63	$110	$1,324	-6%
63	$74	$123	$1,475	11%
64	$63	$111	$1,336	-9%
65	$61	$111	$1,333	-0%
66	$64	$116	$1,390	4%
67	$71	$130	$1,561	12%
68	$64	$113	$1,361	-13%
69	$68	$114	$1,364	0%
70	$53	$94	$1,131	-17%
71	$77	$144	$1,728	53%
72	$61	$107	$1,283	-26%
73	$70	$124	$1,492	16%
74	$69	$124	$1,483	-1%
75	$61	$106	$1,275	-14%

Last Updated April 20, 2026

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	$5,421	-11%
19	$254	$546	$6,546	21%
20	$237	$547	$6,561	0%
21	$225	$481	$5,766	-12%
22	$198	$430	$5,159	-11%
23	$183	$379	$4,544	-12%
24	$174	$373	$4,479	-1%
25	$177	$358	$4,294	-4%
26	$179	$381	$4,576	7%
27	$160	$337	$4,039	-12%
28	$158	$341	$4,093	1%
29	$156	$339	$4,065	-1%
30	$149	$321	$3,849	-5%
31	$154	$333	$3,996	4%
32	$149	$314	$3,772	-6%
33	$149	$320	$3,834	2%
34	$143	$324	$3,888	1%
35	$137	$303	$3,632	-7%
36	$139	$305	$3,659	1%
37	$136	$304	$3,654	-0%
38	$140	$311	$3,726	2%
39	$135	$303	$3,640	-2%
40	$138	$301	$3,614	-1%
41	$139	$331	$3,970	10%
42	$128	$287	$3,446	-13%
43	$132	$298	$3,572	4%
44	$129	$285	$3,422	-4%
45	$130	$302	$3,630	6%
46	$126	$281	$3,368	-7%
47	$132	$308	$3,694	10%
48	$123	$264	$3,173	-14%
49	$128	$295	$3,544	12%
50	$124	$267	$3,198	-10%
51	$120	$263	$3,152	-1%
52	$121	$258	$3,095	-2%
53	$116	$246	$2,957	-4%
54	$114	$252	$3,024	2%
55	$123	$256	$3,078	2%
56	$111	$239	$2,868	-7%
57	$117	$264	$3,171	11%
58	$111	$227	$2,724	-14%
59	$117	$246	$2,950	8%
60	$114	$253	$3,040	3%
61	$118	$249	$2,989	-2%
62	$119	$266	$3,189	7%
63	$115	$253	$3,040	-5%
64	$118	$248	$2,979	-2%
65	$117	$263	$3,156	6%
66	$108	$220	$2,641	-16%
67	$109	$220	$2,643	0%
68	$103	$203	$2,432	-8%
69	$122	$252	$3,019	24%
70	$113	$257	$3,079	2%
71	$127	$290	$3,476	13%
72	$119	$239	$2,868	-17%
73	$121	$258	$3,094	8%
74	$112	$224	$2,686	-13%
75	$117	$231	$2,776	3%

Last Updated April 20, 2026

Key takeaway: Kentucky’s no-fault PIP requirement adds cost at every age, and 16-year-olds average $574/mo. Rates stay above average statewide, reaching around $231/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	$588	$7,054	-24%
19	$276	$578	$6,936	-2%
20	$266	$557	$6,685	-4%
21	$225	$476	$5,718	-14%
22	$201	$416	$4,995	-13%
23	$200	$402	$4,819	-4%
24	$192	$385	$4,626	-4%
25	$168	$348	$4,180	-10%
26	$165	$338	$4,059	-3%
27	$155	$335	$4,025	-1%
28	$146	$307	$3,687	-8%
29	$142	$310	$3,723	1%
30	$152	$322	$3,858	4%
31	$142	$308	$3,697	-4%
32	$150	$320	$3,842	4%
33	$149	$313	$3,756	-2%
34	$147	$330	$3,963	5%
35	$141	$321	$3,858	-3%
36	$143	$306	$3,677	-5%
37	$147	$305	$3,664	-0%
38	$135	$285	$3,424	-7%
39	$142	$301	$3,613	6%
40	$134	$287	$3,440	-5%
41	$133	$286	$3,436	-0%
42	$131	$281	$3,368	-2%
43	$133	$287	$3,448	2%
44	$135	$293	$3,519	2%
45	$124	$259	$3,106	-12%
46	$133	$282	$3,390	9%
47	$121	$268	$3,216	-5%
48	$129	$288	$3,457	7%
49	$122	$265	$3,185	-8%
50	$122	$260	$3,122	-2%
51	$134	$305	$3,665	17%
52	$112	$251	$3,015	-18%
53	$120	$270	$3,242	8%
54	$119	$250	$2,999	-7%
55	$116	$263	$3,155	5%
56	$103	$238	$2,861	-9%
57	$115	$241	$2,896	1%
58	$116	$255	$3,060	6%
59	$106	$225	$2,698	-12%
60	$114	$258	$3,102	15%
61	$104	$229	$2,749	-11%
62	$96	$215	$2,575	-6%
63	$108	$236	$2,828	10%
64	$112	$231	$2,771	-2%
65	$111	$248	$2,971	7%
66	$106	$220	$2,646	-11%
67	$100	$217	$2,606	-1%
68	$116	$240	$2,884	11%
69	$115	$240	$2,877	-0%
70	$111	$223	$2,675	-7%
71	$110	$222	$2,663	-0%
72	$117	$249	$2,985	12%
73	$124	$246	$2,947	-1%
74	$107	$225	$2,700	-8%
75	$115	$246	$2,949	9%

Last Updated April 20, 2026

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	$183	$306	$3,666	-1%
20	$161	$268	$3,219	-12%
21	$141	$237	$2,842	-12%
22	$111	$196	$2,356	-17%
23	$91	$165	$1,977	-16%
24	$101	$176	$2,114	7%
25	$89	$149	$1,791	-15%
26	$85	$146	$1,752	-2%
27	$83	$152	$1,821	4%
28	$92	$146	$1,750	-4%
29	$79	$129	$1,545	-12%
30	$83	$135	$1,623	5%
31	$79	$126	$1,514	-7%
32	$68	$110	$1,323	-13%
33	$77	$126	$1,514	14%
34	$76	$128	$1,537	2%
35	$67	$118	$1,413	-8%
36	$69	$111	$1,332	-6%
37	$68	$117	$1,402	5%
38	$63	$103	$1,233	-12%
39	$63	$120	$1,441	17%
40	$73	$115	$1,386	-4%
41	$66	$119	$1,424	3%
42	$58	$99	$1,186	-17%
43	$62	$111	$1,330	12%
44	$56	$106	$1,272	-4%
45	$59	$99	$1,185	-7%
46	$60	$109	$1,309	10%
47	$60	$104	$1,248	-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	$53	$89	$1,063	-11%
54	$64	$116	$1,386	30%
55	$67	$101	$1,206	-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	$47	$78	$935	-26%
61	$54	$90	$1,084	16%
62	$56	$100	$1,206	11%
63	$56	$90	$1,086	-10%
64	$52	$88	$1,059	-2%
65	$52	$87	$1,043	-1%
66	$48	$75	$897	-14%
67	$48	$77	$929	4%
68	$44	$71	$849	-9%
69	$58	$96	$1,156	36%
70	$46	$85	$1,026	-11%
71	$61	$94	$1,127	10%
72	$51	$79	$944	-16%
73	$57	$86	$1,034	10%
74	$45	$71	$849	-18%
75	$46	$77	$925	9%

Last Updated April 20, 2026

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 $969 per month, driven by dense population in the Baltimore-Washington corridor, high liability minimums and elevated claims costs. Rates fall substantially with age but remain above national averages throughout.

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

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

16	$404	$969	$11,634	–
17	$507	$945	$11,339	-3%
18	$414	$845	$10,134	-11%
19	$365	$689	$8,270	-18%
20	$340	$668	$8,014	-3%
21	$309	$587	$7,046	-12%
22	$261	$512	$6,140	-13%
23	$257	$497	$5,969	-3%
24	$242	$457	$5,489	-8%
25	$232	$435	$5,221	-5%
26	$216	$397	$4,760	-9%
27	$208	$380	$4,561	-4%
28	$208	$397	$4,761	4%
29	$209	$374	$4,490	-6%
30	$208	$363	$4,357	-3%
31	$204	$356	$4,276	-2%
32	$192	$332	$3,979	-7%
33	$195	$354	$4,242	7%
34	$191	$336	$4,032	-5%
35	$196	$346	$4,147	3%
36	$192	$343	$4,118	-1%
37	$177	$320	$3,843	-7%
38	$187	$330	$3,954	3%
39	$183	$321	$3,852	-3%
40	$176	$304	$3,646	-5%
41	$179	$326	$3,911	7%
42	$168	$301	$3,615	-8%
43	$175	$330	$3,959	9%
44	$173	$295	$3,545	-10%
45	$173	$290	$3,480	-2%
46	$172	$320	$3,845	10%
47	$166	$293	$3,520	-8%
48	$164	$282	$3,378	-4%
49	$168	$300	$3,596	6%
50	$171	$298	$3,580	-0%
51	$152	$266	$3,196	-11%
52	$171	$290	$3,479	9%
53	$156	$266	$3,186	-8%
54	$158	$272	$3,265	2%
55	$152	$273	$3,270	0%
56	$151	$278	$3,333	2%
57	$151	$272	$3,263	-2%
58	$147	$252	$3,026	-7%
59	$162	$281	$3,369	11%
60	$147	$279	$3,351	-1%
61	$142	$255	$3,061	-9%
62	$142	$254	$3,047	-0%
63	$138	$242	$2,903	-5%
64	$153	$262	$3,149	8%
65	$149	$250	$2,997	-5%
66	$152	$261	$3,127	4%
67	$145	$256	$3,078	-2%
68	$147	$253	$3,035	-1%
69	$154	$282	$3,381	11%
70	$134	$237	$2,839	-16%
71	$177	$314	$3,772	33%
72	$168	$290	$3,484	-8%
73	$154	$283	$3,401	-2%
74	$144	$271	$3,257	-4%
75	$153	$266	$3,187	-2%

Last Updated April 20, 2026

Key takeaway: Maryland 16-year-olds average over $969/mo, among the highest nationally. Rates improve with age but stay elevated. By 65, the average is $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 $505 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	$505	$6,057	–
17	$361	$582	$6,982	15%
18	$358	$538	$6,452	-8%
19	$345	$549	$6,583	2%
20	$298	$504	$6,052	-8%
21	$301	$531	$6,377	5%
22	$251	$445	$5,335	-16%
23	$219	$386	$4,627	-13%
24	$207	$376	$4,512	-2%
25	$189	$363	$4,352	-4%
26	$182	$347	$4,170	-4%
27	$176	$352	$4,229	1%
28	$168	$326	$3,911	-8%
29	$158	$296	$3,552	-9%
30	$154	$287	$3,444	-3%
31	$153	$280	$3,361	-2%
32	$150	$272	$3,270	-3%
33	$140	$267	$3,209	-2%
34	$136	$248	$2,981	-7%
35	$137	$246	$2,957	-1%
36	$132	$243	$2,917	-1%
37	$124	$216	$2,596	-11%
38	$130	$234	$2,805	8%
39	$125	$224	$2,686	-4%
40	$125	$220	$2,637	-2%
41	$122	$219	$2,630	-0%
42	$118	$208	$2,497	-5%
43	$123	$218	$2,613	5%
44	$120	$216	$2,590	-1%
45	$121	$212	$2,542	-2%
46	$123	$216	$2,591	2%
47	$112	$188	$2,256	-13%
48	$120	$199	$2,384	6%
49	$120	$206	$2,478	4%
50	$116	$195	$2,344	-5%
51	$108	$185	$2,220	-5%
52	$119	$195	$2,339	5%
53	$114	$198	$2,374	1%
54	$108	$194	$2,333	-2%
55	$107	$209	$2,506	7%
56	$109	$170	$2,037	-19%
57	$108	$178	$2,132	5%
58	$115	$198	$2,380	12%
59	$102	$180	$2,162	-9%
60	$105	$181	$2,173	1%
61	$103	$168	$2,016	-7%
62	$99	$168	$2,012	-0%
63	$105	$175	$2,097	4%
64	$100	$186	$2,237	7%
65	$87	$150	$1,806	-19%
66	$86	$145	$1,735	-4%
67	$83	$132	$1,586	-9%
68	$97	$170	$2,039	29%
69	$89	$154	$1,844	-10%
70	$99	$169	$2,031	10%
71	$93	$151	$1,811	-11%
72	$87	$148	$1,772	-2%
73	$91	$155	$1,856	5%
74	$94	$151	$1,810	-2%
75	$100	$135	$1,626	-10%

Last Updated April 20, 2026

Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $505/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	$300	$540	$6,484	-29%
18	$284	$533	$6,400	-1%
19	$256	$488	$5,850	-9%
20	$214	$428	$5,136	-12%
21	$199	$375	$4,496	-12%
22	$175	$334	$4,012	-11%
23	$169	$323	$3,877	-3%
24	$162	$317	$3,806	-2%
25	$158	$303	$3,635	-5%
26	$146	$268	$3,219	-11%
27	$150	$283	$3,401	6%
28	$141	$270	$3,235	-5%
29	$144	$260	$3,125	-3%
30	$147	$272	$3,264	4%
31	$136	$268	$3,211	-2%
32	$138	$254	$3,049	-5%
33	$136	$240	$2,885	-5%
34	$133	$242	$2,907	1%
35	$139	$267	$3,208	10%
36	$139	$259	$3,109	-3%
37	$138	$251	$3,015	-3%
38	$128	$235	$2,823	-6%
39	$133	$254	$3,044	8%
40	$125	$237	$2,838	-7%
41	$128	$232	$2,781	-2%
42	$128	$234	$2,802	1%
43	$131	$234	$2,804	0%
44	$123	$229	$2,753	-2%
45	$127	$247	$2,961	8%
46	$128	$238	$2,856	-4%
47	$133	$239	$2,872	1%
48	$127	$237	$2,849	-1%
49	$133	$240	$2,876	1%
50	$128	$241	$2,892	1%
51	$132	$250	$3,006	4%
52	$129	$245	$2,937	-2%
53	$128	$235	$2,823	-4%
54	$125	$234	$2,809	-1%
55	$125	$248	$2,979	6%
56	$127	$247	$2,962	-1%
57	$126	$240	$2,875	-3%
58	$114	$214	$2,568	-11%
59	$122	$230	$2,762	8%
60	$122	$230	$2,763	0%
61	$118	$228	$2,737	-1%
62	$116	$220	$2,643	-3%
63	$111	$209	$2,509	-5%
64	$106	$190	$2,285	-9%
65	$110	$213	$2,558	12%
66	$109	$202	$2,428	-5%
67	$118	$214	$2,565	6%
68	$115	$217	$2,603	1%
69	$106	$205	$2,461	-5%
70	$109	$201	$2,407	-2%
71	$123	$246	$2,949	23%
72	$114	$219	$2,629	-11%
73	$118	$219	$2,627	-0%
74	$118	$205	$2,457	-6%
75	$109	$209	$2,509	2%

Last Updated April 20, 2026

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	$428	$5,139	-1%
19	$221	$402	$4,828	-6%
20	$169	$334	$4,011	-17%
21	$136	$269	$3,222	-20%
22	$132	$262	$3,148	-2%
23	$118	$219	$2,629	-16%
24	$112	$203	$2,439	-7%
25	$111	$209	$2,511	3%
26	$112	$209	$2,504	-0%
27	$118	$208	$2,494	-0%
28	$108	$200	$2,404	-4%
29	$118	$214	$2,567	7%
30	$116	$215	$2,585	1%
31	$97	$187	$2,248	-13%
32	$93	$177	$2,127	-5%
33	$104	$203	$2,438	15%
34	$97	$199	$2,394	-2%
35	$92	$170	$2,041	-15%
36	$95	$180	$2,155	6%
37	$90	$165	$1,976	-8%
38	$83	$158	$1,902	-4%
39	$85	$150	$1,799	-5%
40	$90	$165	$1,978	10%
41	$89	$167	$1,999	1%
42	$87	$152	$1,819	-9%
43	$83	$148	$1,772	-3%
44	$83	$147	$1,769	-0%
45	$82	$157	$1,881	6%
46	$78	$142	$1,706	-9%
47	$89	$158	$1,899	11%
48	$88	$158	$1,893	-0%
49	$84	$162	$1,944	3%
50	$79	$132	$1,590	-18%
51	$89	$157	$1,889	19%
52	$90	$152	$1,820	-4%
53	$94	$163	$1,959	8%
54	$84	$154	$1,851	-6%
55	$83	$142	$1,703	-8%
56	$81	$143	$1,722	1%
57	$81	$138	$1,659	-4%
58	$73	$127	$1,523	-8%
59	$78	$137	$1,644	8%
60	$75	$133	$1,598	-3%
61	$77	$124	$1,490	-7%
62	$72	$123	$1,478	-1%
63	$80	$134	$1,603	8%
64	$67	$114	$1,363	-15%
65	$63	$114	$1,370	1%
66	$65	$104	$1,244	-9%
67	$71	$112	$1,346	8%
68	$59	$97	$1,170	-13%
69	$78	$136	$1,634	40%
70	$80	$130	$1,561	-4%
71	$79	$130	$1,565	0%
72	$70	$131	$1,573	0%
73	$69	$107	$1,280	-19%
74	$71	$122	$1,465	14%
75	$74	$118	$1,420	-3%

Last Updated April 20, 2026

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

Mississippi

Mississippi has an unusual spike in its teen data. Rates jump 24% at age 18 and continue rising through age 20, peaking at $420 per month before falling sharply. Mississippi-based 16-year-olds start at $348 per month, below the national average for that age.

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

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

16	$215	$348	$4,181	–
17	$144	$287	$3,443	-18%
18	$173	$356	$4,275	24%
19	$168	$414	$4,964	16%
20	$163	$420	$5,039	2%
21	$139	$383	$4,597	-9%
22	$130	$336	$4,032	-12%
23	$123	$294	$3,522	-13%
24	$110	$275	$3,295	-6%
25	$106	$271	$3,252	-1%
26	$100	$273	$3,274	1%
27	$102	$275	$3,299	1%
28	$100	$267	$3,207	-3%
29	$92	$228	$2,731	-15%
30	$88	$228	$2,739	0%
31	$90	$254	$3,046	11%
32	$88	$239	$2,865	-6%
33	$91	$265	$3,177	11%
34	$88	$232	$2,784	-12%
35	$89	$242	$2,903	4%
36	$81	$224	$2,688	-7%
37	$80	$215	$2,585	-4%
38	$83	$217	$2,598	0%
39	$82	$228	$2,734	5%
40	$80	$212	$2,549	-7%
41	$79	$229	$2,746	8%
42	$77	$211	$2,527	-8%
43	$80	$212	$2,545	1%
44	$81	$218	$2,622	3%
45	$79	$225	$2,700	3%
46	$81	$229	$2,747	2%
47	$80	$219	$2,630	-4%
48	$80	$227	$2,725	4%
49	$75	$197	$2,362	-13%
50	$79	$194	$2,328	-1%
51	$75	$204	$2,450	5%
52	$75	$202	$2,425	-1%
53	$76	$193	$2,311	-5%
54	$74	$182	$2,190	-5%
55	$75	$194	$2,325	6%
56	$74	$188	$2,251	-3%
57	$71	$180	$2,162	-4%
58	$68	$173	$2,080	-4%
59	$77	$194	$2,333	12%
60	$70	$159	$1,906	-18%
61	$73	$195	$2,344	23%
62	$75	$186	$2,227	-5%
63	$68	$153	$1,839	-17%
64	$73	$186	$2,228	21%
65	$72	$157	$1,886	-15%
66	$70	$169	$2,024	7%
67	$64	$148	$1,777	-12%
68	$69	$161	$1,929	9%
69	$66	$155	$1,864	-3%
70	$67	$145	$1,737	-7%
71	$71	$153	$1,830	5%
72	$77	$187	$2,247	23%
73	$90	$269	$3,232	44%
74	$88	$237	$2,840	-12%
75	$79	$202	$2,429	-14%

Last Updated April 20, 2026

Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $420/mo at age 20. After that, rates decline steadily, reaching $157/mo by age 65.

Missouri

Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $622 and $532 per month between ages 16 and 20. The overall trend is downward, and by 30 the average settles to a more consistent $243 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	$523	$6,281	33%
19	$220	$408	$4,897	-22%
20	$250	$532	$6,381	30%
21	$182	$351	$4,211	-34%
22	$170	$323	$3,876	-8%
23	$154	$301	$3,614	-7%
24	$146	$270	$3,235	-10%
25	$152	$279	$3,345	3%
26	$139	$250	$3,006	-10%
27	$137	$257	$3,084	3%
28	$129	$238	$2,856	-7%
29	$136	$255	$3,065	7%
30	$132	$243	$2,918	-5%
31	$118	$231	$2,774	-5%
32	$132	$246	$2,951	6%
33	$120	$224	$2,692	-9%
34	$124	$239	$2,868	7%
35	$125	$228	$2,738	-5%
36	$119	$216	$2,595	-5%
37	$117	$221	$2,650	2%
38	$119	$227	$2,718	3%
39	$115	$205	$2,459	-10%
40	$117	$205	$2,464	0%
41	$113	$211	$2,529	3%
42	$106	$197	$2,368	-6%
43	$108	$193	$2,321	-2%
44	$111	$197	$2,369	2%
45	$114	$206	$2,471	4%
46	$114	$211	$2,528	2%
47	$115	$204	$2,447	-3%
48	$107	$205	$2,462	1%
49	$111	$203	$2,436	-1%
50	$108	$197	$2,365	-3%
51	$103	$185	$2,220	-6%
52	$110	$214	$2,564	16%
53	$97	$173	$2,075	-19%
54	$102	$182	$2,190	6%
55	$108	$187	$2,241	2%
56	$89	$168	$2,015	-10%
57	$95	$172	$2,059	2%
58	$92	$172	$2,066	0%
59	$97	$174	$2,094	1%
60	$103	$183	$2,194	5%
61	$107	$183	$2,196	0%
62	$94	$165	$1,982	-10%
63	$101	$187	$2,248	13%
64	$94	$168	$2,017	-10%
65	$86	$163	$1,955	-3%
66	$97	$179	$2,150	10%
67	$90	$168	$2,012	-6%
68	$90	$158	$1,897	-6%
69	$95	$177	$2,125	12%
70	$91	$165	$1,984	-7%
71	$104	$190	$2,276	15%
72	$92	$162	$1,950	-14%
73	$105	$187	$2,241	15%
74	$83	$141	$1,686	-25%
75	$91	$147	$1,767	5%

Last Updated April 20, 2026

Key takeaway: Missouri teen rates are volatile year to year but trend downward. By 30 the average is $243/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	$219	$2,632	7%
20	$91	$211	$2,529	-4%
21	$95	$167	$2,001	-21%
22	$97	$197	$2,359	18%
23	$80	$140	$1,678	-29%
24	$74	$140	$1,679	0%
25	$77	$150	$1,798	7%
26	$75	$157	$1,888	5%
27	$76	$142	$1,706	-10%
28	$77	$154	$1,851	9%
29	$70	$142	$1,709	-8%
30	$73	$150	$1,797	5%
31	$61	$123	$1,474	-18%
32	$73	$164	$1,965	33%
33	$71	$138	$1,661	-15%
34	$63	$125	$1,497	-10%
35	$77	$146	$1,748	17%
36	$69	$119	$1,434	-18%
37	$58	$125	$1,506	5%
38	$62	$117	$1,405	-7%
39	$63	$137	$1,639	17%
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	$1,347	-17%
45	$67	$118	$1,412	5%
46	$62	$119	$1,427	1%
47	$58	$135	$1,617	13%
48	$64	$114	$1,366	-16%
49	$68	$125	$1,500	10%
50	$67	$132	$1,586	6%
51	$66	$131	$1,577	-1%
52	$72	$130	$1,557	-1%
53	$59	$126	$1,509	-3%
54	$59	$109	$1,305	-13%
55	$58	$111	$1,326	2%
56	$68	$118	$1,419	7%
57	$54	$90	$1,076	-24%
58	$67	$126	$1,512	40%
59	$60	$113	$1,358	-10%
60	$61	$105	$1,256	-8%
61	$60	$110	$1,325	6%
62	$56	$107	$1,278	-4%
63	$62	$106	$1,271	-1%
64	$52	$100	$1,200	-6%
65	$62	$112	$1,346	12%
66	$57	$112	$1,346	-0%
67	$51	$98	$1,175	-13%
68	$74	$126	$1,518	29%
69	$52	$98	$1,175	-23%
70	$60	$112	$1,341	14%
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%

Last Updated April 20, 2026

Key takeaway: Montana is among the most affordable states in the country. The data starts at 17 ( $164/mo). After a spike in the early 20s, rates decline consistently, reaching around $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 $180 per month. Note that Nebraska’s data shows some age-to-age volatility in the 60s and 70s that may reflect smaller sample sizes at those ages.

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

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

16	$248	$467	$5,598	–
17	$242	$374	$4,487	-20%
18	$191	$376	$4,508	0%
19	$171	$316	$3,796	-16%
20	$174	$340	$4,074	7%
21	$141	$276	$3,308	-19%
22	$136	$245	$2,944	-11%
23	$116	$230	$2,759	-6%
24	$124	$243	$2,922	6%
25	$106	$231	$2,777	-5%
26	$111	$207	$2,481	-11%
27	$108	$215	$2,576	4%
28	$96	$201	$2,410	-6%
29	$109	$213	$2,551	6%
30	$90	$180	$2,157	-15%
31	$95	$195	$2,344	9%
32	$90	$180	$2,157	-8%
33	$98	$199	$2,385	11%
34	$89	$173	$2,081	-13%
35	$87	$178	$2,131	2%
36	$79	$166	$1,995	-6%
37	$90	$191	$2,298	15%
38	$87	$178	$2,139	-7%
39	$83	$163	$1,954	-9%
40	$84	$185	$2,226	14%
41	$84	$188	$2,255	1%
42	$79	$153	$1,842	-18%
43	$84	$168	$2,021	10%
44	$83	$168	$2,020	-0%
45	$82	$192	$2,299	14%
46	$82	$155	$1,862	-19%
47	$78	$163	$1,951	5%
48	$73	$167	$2,007	3%
49	$76	$162	$1,942	-3%
50	$86	$169	$2,031	5%
51	$68	$155	$1,856	-9%
52	$80	$161	$1,930	4%
53	$67	$127	$1,527	-21%
54	$79	$145	$1,743	14%
55	$68	$144	$1,733	-1%
56	$71	$145	$1,737	0%
57	$58	$115	$1,379	-21%
58	$79	$169	$2,033	47%
59	$73	$147	$1,759	-14%
60	$70	$135	$1,620	-8%
61	$60	$129	$1,549	-4%
62	$79	$142	$1,707	10%
63	$65	$133	$1,593	-7%
64	$64	$126	$1,510	-5%
65	$71	$149	$1,783	18%
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%

Last Updated April 20, 2026

Key takeaway: Nebraska 16-year-olds average $467/mo, below average for teens. By 30, rates drop to $180/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	$407	$760	$9,124	1%
19	$472	$834	$10,003	10%
20	$385	$736	$8,828	-12%
21	$347	$649	$7,788	-12%
22	$306	$552	$6,628	-15%
23	$284	$531	$6,371	-4%
24	$256	$480	$5,754	-10%
25	$233	$447	$5,363	-7%
26	$220	$417	$5,004	-7%
27	$220	$417	$5,009	0%
28	$212	$411	$4,934	-1%
29	$227	$420	$5,038	2%
30	$214	$411	$4,929	-2%
31	$207	$397	$4,762	-3%
32	$205	$392	$4,704	-1%
33	$202	$388	$4,660	-1%
34	$207	$389	$4,672	0%
35	$204	$377	$4,527	-3%
36	$199	$382	$4,590	1%
37	$194	$375	$4,503	-2%
38	$191	$355	$4,259	-5%
39	$188	$356	$4,270	0%
40	$191	$359	$4,309	1%
41	$191	$372	$4,464	4%
42	$182	$351	$4,207	-6%
43	$188	$360	$4,315	3%
44	$189	$352	$4,220	-2%
45	$188	$361	$4,327	3%
46	$171	$328	$3,934	-9%
47	$177	$352	$4,219	7%
48	$188	$364	$4,368	4%
49	$179	$340	$4,086	-6%
50	$177	$335	$4,023	-2%
51	$172	$330	$3,956	-2%
52	$176	$337	$4,048	2%
53	$170	$339	$4,063	0%
54	$173	$328	$3,932	-3%
55	$168	$319	$3,830	-3%
56	$168	$315	$3,775	-1%
57	$166	$311	$3,734	-1%
58	$152	$284	$3,407	-9%
59	$151	$277	$3,322	-3%
60	$154	$285	$3,422	3%
61	$160	$290	$3,478	2%
62	$166	$301	$3,606	4%
63	$163	$303	$3,631	1%
64	$148	$271	$3,256	-10%
65	$150	$284	$3,409	5%
66	$162	$293	$3,512	3%
67	$160	$293	$3,517	0%
68	$161	$303	$3,635	3%
69	$171	$325	$3,895	7%
70	$173	$319	$3,824	-2%
71	$142	$263	$3,160	-17%
72	$169	$307	$3,681	17%
73	$169	$308	$3,698	0%
74	$168	$301	$3,616	-2%
75	$179	$333	$4,001	11%

Last Updated April 20, 2026

Key takeaway: Nevada 16-year-olds average over $985/mo, among the highest nationally. Las Vegas keeps rates elevated at every age. Even at 65, Nevada drivers average $284/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	$371	$4,453	25%
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	$1,857	12%
25	$83	$137	$1,638	-12%
26	$76	$129	$1,543	-6%
27	$87	$128	$1,532	-1%
28	$76	$146	$1,756	15%
29	$60	$101	$1,206	-31%
30	$76	$126	$1,512	25%
31	$79	$120	$1,436	-5%
32	$63	$108	$1,300	-9%
33	$74	$132	$1,581	22%
34	$66	$109	$1,307	-17%
35	$72	$118	$1,419	9%
36	$50	$101	$1,208	-15%
37	$57	$102	$1,222	1%
38	$62	$99	$1,184	-3%
39	$59	$99	$1,191	1%
40	$61	$103	$1,238	4%
41	$59	$110	$1,318	7%
42	$61	$125	$1,502	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	$93	$1,120	12%
49	$70	$105	$1,254	12%
50	$50	$81	$973	-22%
51	$55	$100	$1,200	23%
52	$54	$89	$1,073	-11%
53	$50	$99	$1,183	10%
54	$52	$91	$1,094	-8%
55	$58	$102	$1,221	12%
56	$53	$73	$877	-28%
57	$55	$104	$1,254	43%
58	$48	$83	$990	-21%
59	$45	$69	$828	-16%
60	$51	$96	$1,150	39%
61	$59	$101	$1,207	5%
62	$49	$90	$1,083	-10%
63	$45	$85	$1,017	-6%
64	$61	$111	$1,335	31%
65	$48	$93	$1,119	-16%
66	$48	$81	$975	-13%
67	$56	$89	$1,071	10%
68	$49	$77	$928	-13%
69	$52	$83	$992	7%
70	$46	$80	$961	-3%
71	$45	$74	$888	-8%
72	$58	$92	$1,100	24%
73	$38	$62	$745	-32%
74	$50	$90	$1,074	44%
75	$59	$92	$1,099	2%

Last Updated April 20, 2026

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 $967 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $237 per month.

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

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

17	$589	$967	$11,601	–
18	$584	$925	$11,102	-4%
19	$480	$797	$9,564	-14%
20	$390	$649	$7,788	-19%
21	$313	$517	$6,208	-20%
22	$269	$450	$5,397	-13%
23	$252	$416	$4,990	-8%
24	$242	$422	$5,059	1%
25	$210	$364	$4,365	-14%
26	$215	$366	$4,394	1%
27	$207	$352	$4,219	-4%
28	$202	$344	$4,128	-2%
29	$214	$354	$4,251	3%
30	$191	$318	$3,813	-10%
31	$193	$329	$3,944	3%
32	$194	$322	$3,865	-2%
33	$185	$315	$3,783	-2%
34	$196	$315	$3,775	-0%
35	$184	$302	$3,624	-4%
36	$179	$300	$3,605	-1%
37	$174	$294	$3,526	-2%
38	$176	$292	$3,502	-1%
39	$188	$318	$3,815	9%
40	$182	$299	$3,583	-6%
41	$176	$293	$3,510	-2%
42	$174	$300	$3,606	3%
43	$173	$292	$3,504	-3%
44	$178	$291	$3,492	-0%
45	$167	$277	$3,323	-5%
46	$177	$298	$3,578	8%
47	$180	$304	$3,653	2%
48	$162	$277	$3,325	-9%
49	$191	$317	$3,801	14%
50	$177	$294	$3,524	-7%
51	$158	$269	$3,228	-8%
52	$172	$292	$3,505	9%
53	$152	$271	$3,247	-7%
54	$163	$270	$3,244	-0%
55	$159	$262	$3,142	-3%
56	$156	$269	$3,229	3%
57	$158	$274	$3,292	2%
58	$159	$265	$3,177	-3%
59	$148	$264	$3,164	-0%
60	$153	$268	$3,221	2%
61	$151	$254	$3,053	-5%
62	$148	$251	$3,007	-2%
63	$140	$236	$2,835	-6%
64	$138	$240	$2,875	1%
65	$151	$237	$2,848	-1%
66	$159	$245	$2,939	3%
67	$148	$240	$2,875	-2%
68	$150	$240	$2,881	0%
69	$156	$242	$2,909	1%
70	$151	$238	$2,851	-2%
71	$144	$228	$2,736	-4%
72	$149	$235	$2,818	3%
73	$154	$237	$2,839	1%
74	$159	$249	$2,985	5%
75	$141	$225	$2,704	-9%

Last Updated April 20, 2026

Key takeaway: New Jersey 17-year-olds average $967 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $237/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	$144	$276	$3,318	-26%
19	$175	$359	$4,305	30%
20	$140	$274	$3,285	-24%
21	$137	$241	$2,895	-12%
22	$105	$199	$2,391	-17%
23	$100	$174	$2,093	-12%
24	$94	$178	$2,134	2%
25	$88	$157	$1,889	-11%
26	$86	$151	$1,817	-4%
27	$84	$160	$1,920	6%
28	$75	$143	$1,717	-11%
29	$77	$156	$1,869	9%
30	$77	$140	$1,680	-10%
31	$74	$128	$1,541	-8%
32	$72	$132	$1,588	3%
33	$72	$131	$1,566	-1%
34	$73	$132	$1,586	1%
35	$66	$114	$1,366	-14%
36	$68	$129	$1,549	13%
37	$73	$128	$1,539	-1%
38	$70	$127	$1,530	-1%
39	$68	$126	$1,517	-1%
40	$68	$123	$1,478	-3%
41	$64	$125	$1,502	2%
42	$71	$127	$1,528	2%
43	$73	$133	$1,595	4%
44	$73	$130	$1,555	-2%
45	$64	$120	$1,435	-8%
46	$65	$120	$1,442	0%
47	$64	$114	$1,367	-5%
48	$70	$126	$1,516	11%
49	$64	$112	$1,343	-11%
50	$62	$116	$1,388	3%
51	$64	$122	$1,466	6%
52	$62	$120	$1,446	-1%
53	$66	$123	$1,475	2%
54	$60	$114	$1,370	-7%
55	$65	$113	$1,360	-1%
56	$58	$110	$1,325	-3%
57	$67	$125	$1,494	13%
58	$56	$104	$1,248	-16%
59	$57	$107	$1,279	3%
60	$62	$112	$1,345	5%
61	$56	$106	$1,275	-5%
62	$60	$108	$1,292	1%
63	$83	$141	$1,691	31%
64	$60	$101	$1,208	-29%
65	$61	$100	$1,205	-0%
66	$65	$103	$1,242	3%
67	$65	$112	$1,340	8%
68	$61	$108	$1,298	-3%
69	$54	$105	$1,257	-3%
70	$45	$88	$1,052	-16%
71	$67	$117	$1,402	33%
72	$63	$113	$1,350	-4%
73	$69	$129	$1,542	14%
74	$60	$107	$1,282	-17%
75	$79	$156	$1,874	46%

Last Updated April 20, 2026

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 $1,004 per month. By 30, it drops to $849 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $512 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	$559	$1,322	$15,866	-12%
18	$532	$1,118	$13,411	-15%
19	$569	$1,252	$15,021	12%
20	$490	$1,063	$12,758	-15%
21	$540	$1,156	$13,874	9%
22	$446	$1,018	$12,221	-12%
23	$440	$1,005	$12,058	-1%
24	$430	$1,012	$12,143	1%
25	$429	$1,004	$12,049	-1%
26	$376	$901	$10,808	-10%
27	$361	$878	$10,537	-3%
28	$330	$845	$10,144	-4%
29	$339	$857	$10,289	1%
30	$338	$849	$10,183	-1%
31	$325	$834	$10,013	-2%
32	$332	$833	$9,993	-0%
33	$305	$797	$9,560	-4%
34	$318	$829	$9,946	4%
35	$311	$796	$9,548	-4%
36	$304	$802	$9,624	1%
37	$279	$741	$8,894	-8%
38	$295	$749	$8,991	1%
39	$274	$739	$8,872	-1%
40	$277	$713	$8,556	-4%
41	$260	$723	$8,670	1%
42	$273	$731	$8,773	1%
43	$278	$712	$8,540	-3%
44	$258	$711	$8,532	-0%
45	$247	$707	$8,484	-1%
46	$250	$696	$8,349	-2%
47	$262	$718	$8,614	3%
48	$238	$689	$8,272	-4%
49	$247	$687	$8,249	-0%
50	$255	$687	$8,246	-0%
51	$236	$664	$7,970	-3%
52	$214	$646	$7,755	-3%
53	$213	$626	$7,509	-3%
54	$222	$644	$7,730	3%
55	$212	$602	$7,224	-7%
56	$189	$600	$7,195	-0%
57	$193	$572	$6,863	-5%
58	$209	$630	$7,555	10%
59	$212	$592	$7,099	-6%
60	$199	$575	$6,901	-3%
61	$194	$564	$6,768	-2%
62	$194	$557	$6,682	-1%
63	$192	$562	$6,745	1%
64	$214	$573	$6,879	2%
65	$163	$512	$6,140	-11%
66	$187	$564	$6,767	10%
67	$161	$480	$5,763	-15%
68	$195	$538	$6,453	12%
69	$152	$464	$5,565	-14%
70	$183	$534	$6,408	15%
71	$169	$477	$5,723	-11%
72	$154	$437	$5,240	-8%
73	$182	$479	$5,749	10%
74	$198	$520	$6,235	8%
75	$176	$487	$5,838	-6%

Last Updated April 20, 2026

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	$244	$363	$4,358	-19%
18	$188	$322	$3,867	-11%
19	$168	$300	$3,596	-7%
20	$137	$269	$3,228	-10%
21	$120	$236	$2,837	-12%
22	$115	$238	$2,853	1%
23	$100	$203	$2,433	-15%
24	$108	$222	$2,664	10%
25	$99	$204	$2,453	-8%
26	$96	$196	$2,355	-4%
27	$98	$197	$2,359	0%
28	$96	$182	$2,184	-7%
29	$96	$191	$2,287	5%
30	$90	$178	$2,139	-6%
31	$91	$186	$2,231	4%
32	$85	$172	$2,061	-8%
33	$87	$166	$1,988	-4%
34	$85	$180	$2,160	9%
35	$81	$172	$2,058	-5%
36	$85	$177	$2,118	3%
37	$81	$161	$1,928	-9%
38	$79	$150	$1,803	-6%
39	$79	$156	$1,871	4%
40	$75	$158	$1,898	1%
41	$76	$147	$1,766	-7%
42	$75	$150	$1,796	2%
43	$71	$134	$1,604	-11%
44	$71	$130	$1,565	-2%
45	$67	$121	$1,446	-8%
46	$70	$136	$1,636	13%
47	$73	$138	$1,660	1%
48	$76	$144	$1,733	4%
49	$74	$129	$1,545	-11%
50	$74	$138	$1,657	7%
51	$71	$135	$1,617	-2%
52	$72	$134	$1,602	-1%
53	$74	$145	$1,737	8%
54	$69	$123	$1,477	-15%
55	$69	$118	$1,419	-4%
56	$70	$119	$1,428	1%
57	$68	$120	$1,445	1%
58	$68	$123	$1,479	2%
59	$70	$125	$1,499	1%
60	$69	$118	$1,421	-5%
61	$65	$112	$1,347	-5%
62	$71	$118	$1,413	5%
63	$67	$115	$1,375	-3%
64	$66	$111	$1,333	-3%
65	$66	$111	$1,333	-0%
66	$64	$104	$1,250	-6%
67	$66	$112	$1,349	8%
68	$64	$103	$1,238	-8%
69	$64	$100	$1,195	-4%
70	$64	$105	$1,258	5%
71	$70	$115	$1,376	9%
72	$64	$105	$1,260	-8%
73	$67	$103	$1,240	-2%
74	$62	$104	$1,254	1%
75	$60	$96	$1,149	-8%

Last Updated April 20, 2026

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 $93 per month by 65. Low population density and fewer accidents keep costs down statewide.

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

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

16	$116	$207	$2,480	–
17	$161	$200	$2,397	-3%
18	$172	$259	$3,107	30%
19	$137	$217	$2,609	-16%
20	$131	$205	$2,460	-6%
21	$141	$219	$2,626	7%
22	$109	$151	$1,812	-31%
23	$121	$170	$2,044	13%
24	$108	$157	$1,881	-8%
25	$109	$166	$1,997	6%
26	$88	$123	$1,470	-26%
27	$94	$138	$1,661	13%
28	$92	$136	$1,634	-2%
29	$93	$127	$1,520	-7%
30	$98	$134	$1,611	6%
31	$95	$139	$1,671	4%
32	$88	$132	$1,585	-5%
33	$78	$110	$1,325	-16%
34	$85	$122	$1,465	11%
35	$82	$118	$1,421	-3%
36	$86	$129	$1,548	9%
37	$79	$126	$1,511	-2%
38	$79	$114	$1,368	-9%
39	$81	$127	$1,519	11%
40	$72	$121	$1,458	-4%
41	$75	$105	$1,263	-13%
42	$78	$126	$1,512	20%
43	$80	$139	$1,672	11%
44	$81	$117	$1,408	-16%
45	$80	$126	$1,517	8%
46	$77	$105	$1,260	-17%
47	$79	$129	$1,552	23%
48	$69	$100	$1,201	-23%
49	$81	$114	$1,372	14%
50	$86	$117	$1,403	2%
51	$80	$114	$1,369	-2%
52	$72	$115	$1,378	1%
53	$45	$82	$989	-28%
54	$74	$103	$1,235	25%
55	$82	$116	$1,396	13%
56	$78	$106	$1,272	-9%
57	$92	$135	$1,621	27%
58	$68	$105	$1,262	-22%
59	$62	$104	$1,246	-1%
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	$74	$101	$1,210	21%
65	$68	$93	$1,122	-7%
66	$61	$90	$1,078	-4%
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%

Last Updated April 20, 2026

Key takeaway: North Dakota is among the cheapest states at every age; 16-year-olds average $207/mo and rates drop to $93/mo by 65. Low population density keeps costs well below national averages.

Ohio

Ohio is consistently one of the more affordable Midwestern states for car insurance. Ohio-based 16-year-olds average $332 per month, below the national teen average, and rates fall steadily to $126 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	$193	$332	$3,980	–
17	$193	$347	$4,163	5%
18	$172	$322	$3,859	-7%
19	$157	$309	$3,705	-4%
20	$143	$283	$3,394	-8%
21	$125	$245	$2,941	-13%
22	$119	$228	$2,740	-7%
23	$107	$198	$2,376	-13%
24	$104	$186	$2,226	-6%
25	$99	$189	$2,270	2%
26	$96	$184	$2,212	-3%
27	$96	$182	$2,182	-1%
28	$87	$160	$1,922	-12%
29	$87	$161	$1,930	0%
30	$81	$163	$1,956	1%
31	$83	$163	$1,955	-0%
32	$81	$160	$1,917	-2%
33	$81	$150	$1,800	-6%
34	$77	$152	$1,822	1%
35	$82	$159	$1,911	5%
36	$81	$150	$1,802	-6%
37	$77	$148	$1,775	-2%
38	$81	$151	$1,810	2%
39	$75	$148	$1,774	-2%
40	$76	$138	$1,660	-6%
41	$74	$143	$1,717	3%
42	$77	$149	$1,788	4%
43	$73	$137	$1,649	-8%
44	$70	$133	$1,594	-3%
45	$74	$143	$1,711	7%
46	$74	$146	$1,748	2%
47	$72	$138	$1,661	-5%
48	$69	$130	$1,563	-6%
49	$73	$140	$1,677	7%
50	$73	$140	$1,679	0%
51	$70	$129	$1,551	-8%
52	$64	$123	$1,475	-5%
53	$69	$129	$1,553	5%
54	$70	$128	$1,532	-1%
55	$70	$138	$1,655	8%
56	$71	$132	$1,583	-4%
57	$69	$134	$1,613	2%
58	$69	$129	$1,551	-4%
59	$67	$128	$1,532	-1%
60	$67	$128	$1,539	1%
61	$67	$124	$1,487	-3%
62	$66	$126	$1,509	1%
63	$65	$126	$1,515	0%
64	$67	$129	$1,551	2%
65	$66	$126	$1,512	-2%
66	$64	$121	$1,451	-4%
67	$64	$121	$1,448	-0%
68	$70	$139	$1,666	15%
69	$65	$128	$1,530	-8%
70	$67	$124	$1,490	-3%
71	$66	$123	$1,472	-1%
72	$72	$133	$1,596	8%
73	$69	$133	$1,594	-0%
74	$63	$125	$1,496	-6%
75	$76	$148	$1,779	19%

Last Updated April 20, 2026

Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $332/mo and rates decline to $126/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 18% to $400 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	$4,058	11%
19	$194	$400	$4,799	18%
20	$173	$357	$4,280	-11%
21	$155	$331	$3,968	-7%
22	$131	$277	$3,324	-16%
23	$124	$267	$3,200	-4%
24	$118	$247	$2,968	-7%
25	$109	$220	$2,640	-11%
26	$104	$221	$2,649	0%
27	$104	$217	$2,610	-1%
28	$98	$206	$2,478	-5%
29	$95	$200	$2,403	-3%
30	$94	$197	$2,360	-2%
31	$92	$201	$2,415	2%
32	$95	$208	$2,495	3%
33	$87	$190	$2,284	-8%
34	$96	$214	$2,574	13%
35	$94	$216	$2,590	1%
36	$92	$197	$2,370	-8%
37	$89	$191	$2,286	-4%
38	$87	$191	$2,298	1%
39	$88	$192	$2,300	0%
40	$87	$198	$2,377	3%
41	$84	$190	$2,276	-4%
42	$94	$195	$2,338	3%
43	$82	$183	$2,197	-6%
44	$84	$187	$2,242	2%
45	$80	$181	$2,175	-3%
46	$89	$195	$2,337	7%
47	$87	$196	$2,353	1%
48	$86	$197	$2,363	0%
49	$80	$170	$2,038	-14%
50	$83	$182	$2,186	7%
51	$82	$185	$2,214	1%
52	$78	$172	$2,063	-7%
53	$78	$168	$2,018	-2%
54	$77	$174	$2,090	4%
55	$75	$157	$1,890	-10%
56	$78	$166	$1,988	5%
57	$72	$150	$1,804	-9%
58	$77	$162	$1,947	8%
59	$72	$145	$1,740	-11%
60	$76	$164	$1,973	13%
61	$72	$153	$1,841	-7%
62	$75	$153	$1,838	-0%
63	$74	$152	$1,821	-1%
64	$73	$146	$1,756	-4%
65	$71	$150	$1,794	2%
66	$75	$150	$1,798	0%
67	$74	$150	$1,806	0%
68	$71	$153	$1,832	1%
69	$69	$131	$1,572	-14%
70	$63	$131	$1,575	0%
71	$76	$165	$1,981	26%
72	$74	$147	$1,759	-11%
73	$71	$144	$1,732	-2%
74	$74	$139	$1,669	-4%
75	$72	$136	$1,628	-2%

Last Updated April 20, 2026

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

Oregon

Oregonrates are moderate and decline steadily with age. Oregon’s 16-year-olds average $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	$237	$374	$4,494	-3%
18	$222	$367	$4,406	-2%
19	$223	$396	$4,755	8%
20	$187	$315	$3,777	-21%
21	$175	$297	$3,561	-6%
22	$163	$304	$3,646	2%
23	$146	$247	$2,967	-19%
24	$160	$261	$3,128	5%
25	$128	$215	$2,577	-18%
26	$133	$222	$2,660	3%
27	$132	$218	$2,613	-2%
28	$126	$201	$2,416	-8%
29	$130	$217	$2,605	8%
30	$118	$198	$2,373	-9%
31	$112	$181	$2,167	-9%
32	$115	$184	$2,204	2%
33	$113	$185	$2,221	1%
34	$110	$176	$2,106	-5%
35	$108	$165	$1,978	-6%
36	$112	$176	$2,107	6%
37	$106	$171	$2,049	-3%
38	$107	$172	$2,069	1%
39	$112	$180	$2,155	4%
40	$105	$171	$2,051	-5%
41	$108	$174	$2,089	2%
42	$105	$164	$1,970	-6%
43	$104	$169	$2,026	3%
44	$102	$162	$1,950	-4%
45	$102	$173	$2,079	7%
46	$98	$158	$1,901	-9%
47	$100	$157	$1,885	-1%
48	$103	$159	$1,912	1%
49	$101	$164	$1,963	3%
50	$96	$156	$1,876	-4%
51	$102	$163	$1,953	4%
52	$97	$154	$1,851	-5%
53	$105	$165	$1,977	7%
54	$90	$141	$1,694	-14%
55	$93	$158	$1,897	12%
56	$97	$158	$1,892	-0%
57	$89	$140	$1,677	-11%
58	$100	$154	$1,848	10%
59	$96	$154	$1,845	-0%
60	$98	$150	$1,798	-3%
61	$97	$161	$1,928	7%
62	$93	$150	$1,798	-7%
63	$86	$140	$1,676	-7%
64	$82	$133	$1,591	-5%
65	$84	$145	$1,743	10%
66	$81	$130	$1,560	-11%
67	$83	$135	$1,623	4%
68	$90	$143	$1,713	6%
69	$79	$131	$1,568	-8%
70	$92	$154	$1,843	18%
71	$84	$147	$1,768	-4%
72	$81	$132	$1,585	-10%
73	$81	$147	$1,760	11%
74	$88	$143	$1,720	-2%
75	$82	$145	$1,741	1%

Last Updated April 20, 2026

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 $503, a 18% increase from age 17. Pennsylvania is a choice no-fault state where drivers can choose between full tort and limited tort, which affects both your coverage and your rate.

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

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

16	$180	$317	$3,808	–
17	$184	$426	$5,109	34%
18	$200	$503	$6,034	18%
19	$193	$460	$5,521	-9%
20	$177	$423	$5,081	-8%
21	$162	$370	$4,436	-13%
22	$146	$320	$3,845	-13%
23	$137	$296	$3,558	-7%
24	$131	$295	$3,540	-0%
25	$132	$277	$3,327	-6%
26	$128	$276	$3,307	-1%
27	$128	$268	$3,220	-3%
28	$119	$258	$3,094	-4%
29	$124	$289	$3,466	12%
30	$120	$258	$3,098	-11%
31	$115	$255	$3,060	-1%
32	$120	$263	$3,161	3%
33	$118	$254	$3,047	-4%
34	$116	$247	$2,963	-3%
35	$115	$246	$2,952	-0%
36	$114	$241	$2,890	-2%
37	$108	$238	$2,859	-1%
38	$106	$216	$2,597	-9%
39	$107	$214	$2,569	-1%
40	$111	$234	$2,805	9%
41	$108	$225	$2,705	-4%
42	$103	$216	$2,595	-4%
43	$101	$217	$2,599	0%
44	$108	$226	$2,709	4%
45	$104	$207	$2,488	-8%
46	$100	$201	$2,413	-3%
47	$99	$203	$2,439	1%
48	$108	$222	$2,663	9%
49	$96	$196	$2,349	-12%
50	$95	$199	$2,391	2%
51	$93	$185	$2,219	-7%
52	$98	$202	$2,427	9%
53	$92	$180	$2,157	-11%
54	$95	$192	$2,304	7%
55	$88	$185	$2,216	-4%
56	$90	$182	$2,187	-1%
57	$93	$186	$2,229	2%
58	$92	$197	$2,359	6%
59	$90	$187	$2,249	-5%
60	$86	$176	$2,115	-6%
61	$82	$166	$1,990	-6%
62	$85	$175	$2,100	6%
63	$87	$180	$2,154	3%
64	$90	$178	$2,131	-1%
65	$77	$169	$2,027	-5%
66	$78	$161	$1,936	-4%
67	$87	$184	$2,203	14%
68	$80	$164	$1,967	-11%
69	$78	$156	$1,872	-5%
70	$101	$194	$2,331	25%
71	$87	$186	$2,237	-4%
72	$85	$183	$2,200	-2%
73	$85	$173	$2,074	-6%
74	$84	$183	$2,200	6%
75	$89	$183	$2,199	-0%

Last Updated April 20, 2026

Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $169/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	$711	$8,527	-19%
20	$312	$489	$5,873	-31%
21	$281	$436	$5,229	-11%
22	$235	$411	$4,927	-6%
23	$229	$416	$4,991	1%
24	$195	$339	$4,065	-19%
25	$190	$325	$3,896	-4%
26	$188	$305	$3,661	-6%
27	$157	$290	$3,484	-5%
28	$176	$330	$3,960	14%
29	$188	$327	$3,919	-1%
30	$144	$242	$2,904	-26%
31	$132	$295	$3,544	22%
32	$144	$268	$3,213	-9%
33	$141	$259	$3,102	-3%
34	$146	$243	$2,918	-6%
35	$172	$310	$3,718	27%
36	$126	$217	$2,604	-30%
37	$112	$211	$2,531	-3%
38	$139	$280	$3,356	33%
39	$131	$227	$2,721	-19%
40	$149	$245	$2,934	8%
41	$129	$229	$2,744	-6%
42	$112	$187	$2,248	-18%
43	$121	$214	$2,564	14%
44	$104	$185	$2,215	-14%
45	$121	$222	$2,660	20%
46	$117	$201	$2,407	-10%
47	$134	$219	$2,622	9%
48	$123	$216	$2,591	-1%
49	$126	$225	$2,697	4%
50	$145	$260	$3,120	16%
51	$119	$212	$2,540	-19%
52	$109	$177	$2,125	-16%
53	$96	$156	$1,872	-12%
54	$122	$216	$2,591	38%
55	$107	$178	$2,135	-18%
56	$114	$201	$2,414	13%
57	$118	$193	$2,313	-4%
58	$115	$199	$2,393	3%
59	$96	$149	$1,790	-25%
60	$111	$195	$2,343	31%
61	$100	$169	$2,030	-13%
62	$100	$160	$1,920	-5%
63	$102	$172	$2,068	8%
64	$103	$171	$2,058	-0%
65	$118	$189	$2,273	10%
66	$112	$176	$2,115	-7%
67	$87	$162	$1,941	-8%
68	$119	$191	$2,291	18%
69	$115	$184	$2,214	-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	$119	$180	$2,161	31%
75	$107	$154	$1,853	-14%

Last Updated April 20, 2026

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

South Carolina

South Carolina rates are above the national average for most age groups, driven in part by a relatively high uninsured driver rate that raises costs for all drivers. South Carolina-based 16-year-olds average $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	$430	$646	$7,749	25%
18	$366	$561	$6,733	-13%
19	$331	$540	$6,475	-4%
20	$290	$488	$5,850	-10%
21	$253	$443	$5,314	-9%
22	$232	$383	$4,600	-13%
23	$204	$348	$4,176	-9%
24	$195	$342	$4,101	-2%
25	$179	$315	$3,775	-8%
26	$176	$302	$3,622	-4%
27	$172	$294	$3,528	-3%
28	$166	$283	$3,397	-4%
29	$164	$277	$3,326	-2%
30	$153	$263	$3,158	-5%
31	$151	$264	$3,168	0%
32	$152	$257	$3,089	-3%
33	$148	$251	$3,009	-3%
34	$150	$257	$3,089	3%
35	$145	$246	$2,954	-4%
36	$148	$247	$2,964	0%
37	$143	$243	$2,910	-2%
38	$140	$237	$2,845	-2%
39	$145	$244	$2,924	3%
40	$143	$242	$2,907	-1%
41	$137	$229	$2,748	-5%
42	$137	$234	$2,812	2%
43	$136	$230	$2,762	-2%
44	$134	$228	$2,736	-1%
45	$134	$227	$2,729	-0%
46	$134	$223	$2,678	-2%
47	$129	$217	$2,610	-3%
48	$139	$237	$2,849	9%
49	$129	$219	$2,629	-8%
50	$134	$225	$2,694	2%
51	$131	$222	$2,659	-1%
52	$128	$218	$2,610	-2%
53	$122	$208	$2,493	-4%
54	$123	$208	$2,498	0%
55	$127	$214	$2,562	3%
56	$122	$209	$2,504	-2%
57	$124	$203	$2,433	-3%
58	$125	$205	$2,460	1%
59	$118	$197	$2,367	-4%
60	$116	$192	$2,306	-3%
61	$121	$206	$2,474	7%
62	$119	$196	$2,351	-5%
63	$117	$197	$2,363	1%
64	$118	$197	$2,364	0%
65	$124	$206	$2,468	4%
66	$118	$203	$2,433	-1%
67	$116	$201	$2,409	-1%
68	$116	$197	$2,369	-2%
69	$120	$213	$2,551	8%
70	$124	$208	$2,501	-2%
71	$105	$187	$2,248	-10%
72	$109	$190	$2,279	1%
73	$117	$195	$2,343	3%
74	$113	$193	$2,315	-1%
75	$134	$214	$2,565	11%

Last Updated April 20, 2026

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 $561 per month, one of the lowest teen starting points in the country. Rates fall steadily through the 20s and continue declining into the 60s, where they reach some of the lowest late-life averages in the Midwest.

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

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

18	$167	$257	$3,086	–
19	$129	$291	$3,493	13%
20	$110	$225	$2,701	-23%
21	$99	$256	$3,077	14%
22	$73	$172	$2,062	-33%
23	$87	$210	$2,524	22%
24	$69	$167	$2,001	-21%
25	$71	$128	$1,531	-23%
26	$70	$151	$1,813	18%
27	$85	$207	$2,480	37%
28	$69	$206	$2,467	-1%
29	$72	$151	$1,812	-27%
30	$66	$131	$1,572	-13%
31	$65	$155	$1,860	18%
32	$72	$151	$1,817	-2%
33	$64	$130	$1,564	-14%
34	$71	$132	$1,589	2%
35	$66	$137	$1,638	3%
36	$57	$121	$1,456	-11%
37	$66	$140	$1,677	15%
38	$67	$168	$2,011	20%
39	$61	$124	$1,489	-26%
40	$71	$132	$1,589	7%
41	$67	$142	$1,703	7%
42	$63	$137	$1,639	-4%
43	$62	$132	$1,585	-3%
44	$62	$131	$1,571	-1%
45	$53	$121	$1,451	-8%
46	$75	$145	$1,740	20%
47	$62	$163	$1,958	13%
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	$50	$112	$1,346	-3%
54	$57	$121	$1,449	8%
55	$54	$112	$1,345	-7%
56	$47	$112	$1,345	-0%
57	$51	$135	$1,616	20%
58	$54	$99	$1,186	-27%
59	$47	$97	$1,165	-2%
60	$46	$88	$1,053	-10%
61	$43	$86	$1,035	-2%
62	$54	$103	$1,232	19%
63	$44	$88	$1,059	-14%
64	$50	$95	$1,142	8%
65	$51	$87	$1,048	-8%
66	$71	$148	$1,779	70%
67	$49	$91	$1,096	-38%
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%

Last Updated April 20, 2026

Key takeaway: South Dakota is among the most affordable states at every age. The data starts at 18 ( $225/mo). Rates fall consistently, reaching $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 $268 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	$352	$4,220	2%
19	$168	$335	$4,015	-5%
20	$140	$268	$3,220	-20%
21	$130	$250	$3,002	-7%
22	$119	$246	$2,946	-2%
23	$111	$214	$2,565	-13%
24	$105	$205	$2,459	-4%
25	$104	$201	$2,414	-2%
26	$103	$202	$2,427	1%
27	$100	$195	$2,335	-4%
28	$94	$181	$2,176	-7%
29	$87	$176	$2,118	-3%
30	$90	$176	$2,108	-0%
31	$90	$169	$2,030	-4%
32	$88	$169	$2,027	-0%
33	$85	$164	$1,974	-3%
34	$87	$162	$1,949	-1%
35	$82	$161	$1,928	-1%
36	$81	$153	$1,839	-5%
37	$82	$162	$1,949	6%
38	$81	$154	$1,853	-5%
39	$74	$140	$1,686	-9%
40	$74	$143	$1,720	2%
41	$76	$148	$1,776	3%
42	$78	$148	$1,778	0%
43	$76	$144	$1,726	-3%
44	$76	$146	$1,756	2%
45	$68	$143	$1,717	-2%
46	$66	$124	$1,494	-13%
47	$70	$135	$1,624	9%
48	$72	$135	$1,624	0%
49	$68	$133	$1,591	-2%
50	$68	$131	$1,574	-1%
51	$69	$139	$1,663	6%
52	$70	$142	$1,700	2%
53	$70	$133	$1,599	-6%
54	$68	$133	$1,590	-1%
55	$67	$133	$1,590	0%
56	$71	$137	$1,647	4%
57	$65	$127	$1,528	-7%
58	$62	$119	$1,424	-7%
59	$69	$132	$1,578	11%
60	$70	$133	$1,593	1%
61	$65	$124	$1,493	-6%
62	$69	$136	$1,630	9%
63	$68	$125	$1,495	-8%
64	$62	$122	$1,464	-2%
65	$66	$120	$1,435	-2%
66	$62	$119	$1,427	-1%
67	$67	$130	$1,557	9%
68	$65	$139	$1,665	7%
69	$66	$130	$1,554	-7%
70	$66	$124	$1,494	-4%
71	$62	$117	$1,406	-6%
72	$66	$138	$1,662	18%
73	$71	$139	$1,665	0%
74	$70	$124	$1,485	-11%
75	$74	$134	$1,613	9%

Last Updated April 20, 2026

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 $473 per month at 20 down to $287 per month at 25, a 40% drop in five years. After 30, the pace of savings slows, but rates keep falling steadily through the mid-60s. By 65, the average reaches $184 per month. Texas rates stay relatively stable for older drivers, with 75-year-olds averaging $197 per month, close to the national average for that age.

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

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

16	$330	$645	$7,746	–
17	$324	$602	$7,224	-7%
18	$320	$594	$7,131	-1%
19	$293	$538	$6,459	-9%
20	$257	$473	$5,672	-12%
21	$221	$405	$4,858	-14%
22	$201	$361	$4,332	-11%
23	$185	$324	$3,884	-10%
24	$170	$308	$3,692	-5%
25	$160	$287	$3,448	-7%
26	$158	$282	$3,388	-2%
27	$152	$271	$3,255	-4%
28	$148	$265	$3,175	-2%
29	$142	$253	$3,040	-4%
30	$140	$249	$2,986	-2%
31	$137	$242	$2,905	-3%
32	$139	$242	$2,906	0%
33	$136	$235	$2,824	-3%
34	$134	$234	$2,807	-1%
35	$133	$232	$2,780	-1%
36	$125	$227	$2,719	-2%
37	$127	$223	$2,677	-2%
38	$126	$221	$2,649	-1%
39	$123	$218	$2,621	-1%
40	$123	$219	$2,634	0%
41	$120	$211	$2,535	-4%
42	$123	$217	$2,609	3%
43	$119	$211	$2,532	-3%
44	$120	$212	$2,538	0%
45	$122	$213	$2,562	1%
46	$120	$209	$2,510	-2%
47	$120	$211	$2,533	1%
48	$120	$210	$2,516	-1%
49	$121	$212	$2,544	1%
50	$117	$212	$2,545	0%
51	$113	$202	$2,418	-5%
52	$113	$202	$2,422	0%
53	$118	$202	$2,424	0%
54	$115	$202	$2,423	-0%
55	$114	$199	$2,386	-2%
56	$109	$192	$2,299	-4%
57	$111	$187	$2,241	-3%
58	$110	$188	$2,261	1%
59	$107	$182	$2,188	-3%
60	$109	$186	$2,228	2%
61	$108	$189	$2,265	2%
62	$108	$188	$2,250	-1%
63	$109	$187	$2,242	-0%
64	$111	$184	$2,205	-2%
65	$110	$184	$2,208	0%
66	$110	$183	$2,198	-0%
67	$108	$183	$2,196	-0%
68	$112	$190	$2,276	4%
69	$113	$189	$2,270	-0%
70	$116	$195	$2,342	3%
71	$118	$195	$2,334	-0%
72	$123	$203	$2,441	5%
73	$119	$198	$2,380	-3%
74	$124	$203	$2,441	3%
75	$120	$197	$2,359	-3%

Last Updated April 20, 2026

Key takeaway: Texas 16-year-olds average $645/mo, about 26% above the national average. By 65, the average is $184/mo.

Utah

Utah requires personal injury protection coverage for all drivers, adding to base premiums statewide. The state’s 16-year-olds average $436 per month, and rates fall steadily through the 20s, reaching $296 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	$255	$447	$5,365	5%
19	$205	$341	$4,098	-24%
20	$189	$296	$3,550	-13%
21	$155	$246	$2,953	-17%
22	$136	$212	$2,544	-14%
23	$124	$195	$2,334	-8%
24	$126	$195	$2,338	0%
25	$119	$190	$2,283	-2%
26	$117	$180	$2,164	-5%
27	$110	$171	$2,050	-5%
28	$116	$184	$2,210	8%
29	$104	$159	$1,907	-14%
30	$106	$166	$1,995	5%
31	$111	$171	$2,051	3%
32	$106	$161	$1,936	-6%
33	$98	$152	$1,819	-6%
34	$104	$157	$1,878	3%
35	$102	$156	$1,866	-1%
36	$98	$156	$1,872	0%
37	$94	$147	$1,768	-6%
38	$98	$154	$1,853	5%
39	$92	$141	$1,691	-9%
40	$98	$155	$1,865	10%
41	$93	$141	$1,697	-9%
42	$102	$156	$1,867	10%
43	$90	$140	$1,682	-10%
44	$94	$145	$1,742	4%
45	$93	$148	$1,773	2%
46	$98	$154	$1,852	4%
47	$94	$141	$1,690	-9%
48	$91	$141	$1,694	0%
49	$100	$151	$1,812	7%
50	$88	$147	$1,764	-3%
51	$90	$138	$1,658	-6%
52	$92	$145	$1,741	5%
53	$83	$130	$1,563	-10%
54	$92	$136	$1,631	4%
55	$87	$134	$1,610	-1%
56	$88	$142	$1,702	6%
57	$94	$146	$1,757	3%
58	$96	$148	$1,770	1%
59	$93	$139	$1,672	-6%
60	$91	$139	$1,669	-0%
61	$93	$138	$1,657	-1%
62	$95	$145	$1,734	5%
63	$95	$136	$1,629	-6%
64	$80	$120	$1,442	-11%
65	$88	$138	$1,650	14%
66	$96	$146	$1,755	6%
67	$86	$122	$1,462	-17%
68	$86	$126	$1,518	4%
69	$82	$122	$1,462	-4%
70	$97	$153	$1,841	26%
71	$85	$156	$1,874	2%
72	$80	$121	$1,455	-22%
73	$83	$124	$1,488	2%
74	$94	$138	$1,655	11%
75	$84	$130	$1,562	-6%

Last Updated April 20, 2026

Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $436/mo and rates drop to $166/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	$208	$354	$4,244	10%
20	$97	$184	$2,210	-48%
21	$104	$169	$2,029	-8%
22	$86	$138	$1,658	-18%
23	$94	$125	$1,501	-9%
24	$71	$123	$1,482	-1%
25	$86	$145	$1,736	17%
26	$60	$122	$1,467	-16%
27	$60	$97	$1,161	-21%
28	$61	$103	$1,232	6%
29	$80	$140	$1,676	36%
30	$57	$106	$1,273	-24%
31	$57	$96	$1,148	-10%
32	$60	$103	$1,232	7%
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	$58	$119	$1,433	35%
40	$73	$106	$1,268	-12%
41	$64	$109	$1,308	3%
42	$64	$143	$1,711	31%
43	$68	$98	$1,172	-31%
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	$93	$1,122	-5%
51	$43	$81	$977	-13%
52	$66	$103	$1,233	26%
53	$43	$85	$1,024	-17%
54	$42	$81	$966	-6%
55	$44	$77	$921	-5%
56	$42	$73	$871	-5%
57	$51	$69	$825	-5%
58	$59	$78	$934	13%
59	$62	$101	$1,210	30%
60	$42	$76	$913	-25%
61	$43	$68	$811	-11%
62	$41	$59	$703	-13%
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%

Last Updated April 20, 2026

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

Virginia

Virginia rates average $496 per month at 16, above the national average for that age, and decline steadily through the mid-60s. By 65, the average reaches $179 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $205 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	$277	$457	$5,480	-8%
18	$296	$483	$5,794	6%
19	$295	$515	$6,186	7%
20	$259	$437	$5,243	-15%
21	$231	$391	$4,692	-10%
22	$207	$352	$4,226	-10%
23	$184	$315	$3,777	-11%
24	$177	$312	$3,747	-1%
25	$170	$285	$3,420	-9%
26	$156	$276	$3,313	-3%
27	$153	$262	$3,147	-5%
28	$154	$262	$3,141	-0%
29	$144	$243	$2,916	-7%
30	$138	$239	$2,867	-2%
31	$135	$232	$2,782	-3%
32	$139	$239	$2,873	3%
33	$133	$226	$2,713	-6%
34	$133	$228	$2,733	1%
35	$130	$226	$2,707	-1%
36	$121	$210	$2,521	-7%
37	$125	$214	$2,570	2%
38	$125	$213	$2,551	-1%
39	$124	$216	$2,591	2%
40	$126	$224	$2,687	4%
41	$128	$218	$2,615	-3%
42	$116	$204	$2,449	-6%
43	$124	$215	$2,585	6%
44	$125	$216	$2,586	0%
45	$117	$209	$2,504	-3%
46	$110	$191	$2,298	-8%
47	$122	$221	$2,651	15%
48	$124	$207	$2,480	-6%
49	$118	$210	$2,516	1%
50	$112	$198	$2,382	-5%
51	$107	$191	$2,292	-4%
52	$116	$206	$2,475	8%
53	$109	$185	$2,225	-10%
54	$116	$200	$2,403	8%
55	$108	$185	$2,218	-8%
56	$106	$189	$2,266	2%
57	$102	$178	$2,141	-6%
58	$112	$189	$2,271	6%
59	$110	$203	$2,432	7%
60	$100	$172	$2,059	-15%
61	$111	$194	$2,331	13%
62	$103	$176	$2,118	-9%
63	$108	$187	$2,239	6%
64	$109	$185	$2,218	-1%
65	$106	$179	$2,148	-3%
66	$101	$175	$2,094	-2%
67	$99	$179	$2,145	2%
68	$102	$180	$2,163	1%
69	$106	$188	$2,259	4%
70	$100	$192	$2,301	2%
71	$114	$194	$2,329	1%
72	$100	$180	$2,155	-7%
73	$114	$201	$2,410	12%
74	$116	$198	$2,381	-1%
75	$120	$205	$2,457	3%

Last Updated April 20, 2026

Key takeaway: Virginia rates average $496/mo at age 16 and decline steadily to $179/mo by 65 before rising to $205/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.

Washington

Washington rates average $519 per month at 16 before dipping at 17 and then spiking -4% at 18 to $551 per month, the highest point in the state’s dataset. After that, rates fall consistently through the 20s and 30s. By 65, the average reaches $170 per month. Rates climb again in the mid-70s, reaching $213 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	$315	$519	$6,224	–
17	$311	$572	$6,868	10%
18	$283	$551	$6,612	-4%
19	$256	$527	$6,328	-4%
20	$230	$451	$5,414	-14%
21	$187	$364	$4,370	-19%
22	$171	$343	$4,116	-6%
23	$160	$295	$3,535	-14%
24	$164	$319	$3,822	8%
25	$148	$292	$3,506	-8%
26	$148	$285	$3,425	-2%
27	$131	$263	$3,158	-8%
28	$130	$266	$3,198	1%
29	$127	$270	$3,234	1%
30	$120	$244	$2,923	-10%
31	$118	$234	$2,807	-4%
32	$114	$227	$2,729	-3%
33	$116	$239	$2,867	5%
34	$113	$223	$2,680	-7%
35	$107	$213	$2,556	-5%
36	$100	$207	$2,487	-3%
37	$102	$200	$2,397	-4%
38	$103	$205	$2,462	3%
39	$97	$199	$2,387	-3%
40	$93	$183	$2,195	-8%
41	$97	$197	$2,363	8%
42	$101	$194	$2,327	-2%
43	$94	$182	$2,182	-6%
44	$101	$193	$2,321	6%
45	$102	$199	$2,391	3%
46	$94	$183	$2,200	-8%
47	$97	$193	$2,311	5%
48	$97	$181	$2,177	-6%
49	$95	$185	$2,222	2%
50	$95	$193	$2,315	4%
51	$92	$177	$2,126	-8%
52	$95	$179	$2,151	1%
53	$93	$183	$2,201	2%
54	$87	$173	$2,072	-6%
55	$95	$183	$2,196	6%
56	$91	$169	$2,033	-7%
57	$92	$175	$2,098	3%
58	$91	$167	$2,008	-4%
59	$83	$165	$1,977	-2%
60	$91	$167	$2,001	1%
61	$93	$184	$2,209	10%
62	$88	$164	$1,963	-11%
63	$93	$169	$2,031	3%
64	$72	$148	$1,781	-12%
65	$98	$170	$2,035	14%
66	$90	$171	$2,055	1%
67	$90	$166	$1,986	-3%
68	$84	$150	$1,805	-9%
69	$84	$151	$1,814	1%
70	$85	$154	$1,852	2%
71	$80	$143	$1,718	-7%
72	$91	$166	$1,995	16%
73	$90	$152	$1,829	-8%
74	$86	$162	$1,941	6%
75	$97	$213	$2,551	31%

Last Updated April 20, 2026

Key takeaway: Washington rates peak at age 18 ( $551/mo) before declining steadily to $170/mo by 65. Rates rise again to $213/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 $291 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	$182	$367	$4,399	7%
20	$174	$354	$4,252	-3%
21	$166	$368	$4,412	4%
22	$142	$291	$3,487	-21%
23	$142	$273	$3,275	-6%
24	$146	$291	$3,493	7%
25	$128	$263	$3,158	-10%
26	$120	$257	$3,085	-2%
27	$125	$248	$2,977	-3%
28	$119	$233	$2,798	-6%
29	$124	$230	$2,756	-2%
30	$120	$247	$2,969	8%
31	$116	$220	$2,641	-11%
32	$110	$220	$2,644	0%
33	$101	$235	$2,825	7%
34	$106	$213	$2,557	-9%
35	$103	$214	$2,567	0%
36	$106	$229	$2,748	7%
37	$102	$198	$2,370	-14%
38	$100	$210	$2,515	6%
39	$96	$194	$2,331	-7%
40	$103	$198	$2,382	2%
41	$102	$212	$2,548	7%
42	$100	$218	$2,621	3%
43	$96	$205	$2,456	-6%
44	$97	$220	$2,644	8%
45	$101	$217	$2,609	-1%
46	$104	$208	$2,502	-4%
47	$102	$210	$2,515	1%
48	$105	$211	$2,534	1%
49	$101	$190	$2,281	-10%
50	$89	$173	$2,082	-9%
51	$90	$169	$2,034	-2%
52	$102	$190	$2,279	12%
53	$93	$181	$2,170	-5%
54	$97	$200	$2,403	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	$87	$161	$1,936	-0%
60	$85	$169	$2,027	5%
61	$86	$173	$2,079	3%
62	$86	$159	$1,912	-8%
63	$86	$179	$2,147	12%
64	$92	$220	$2,645	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	$91	$178	$2,138	-4%
70	$84	$160	$1,916	-10%
71	$98	$210	$2,522	32%
72	$95	$169	$2,031	-19%
73	$75	$153	$1,842	-9%
74	$77	$166	$1,988	8%
75	$105	$194	$2,325	17%

Last Updated April 20, 2026

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 $263 per month at 17 before jumping 67% at 18 to $438 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 $91 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	$164	$263	$3,154	-16%
18	$167	$438	$5,262	67%
19	$138	$272	$3,260	-38%
20	$137	$290	$3,482	7%
21	$105	$227	$2,725	-22%
22	$103	$229	$2,748	1%
23	$92	$184	$2,207	-20%
24	$86	$172	$2,065	-6%
25	$83	$186	$2,229	8%
26	$83	$159	$1,908	-14%
27	$81	$158	$1,898	-1%
28	$72	$146	$1,750	-8%
29	$75	$155	$1,856	6%
30	$68	$145	$1,744	-6%
31	$70	$140	$1,682	-4%
32	$69	$140	$1,681	-0%
33	$71	$156	$1,872	11%
34	$64	$126	$1,508	-19%
35	$64	$124	$1,483	-2%
36	$66	$130	$1,561	5%
37	$64	$134	$1,612	3%
38	$67	$136	$1,626	1%
39	$62	$125	$1,502	-8%
40	$62	$121	$1,457	-3%
41	$70	$142	$1,702	17%
42	$66	$131	$1,569	-8%
43	$58	$114	$1,367	-13%
44	$64	$135	$1,618	18%
45	$62	$129	$1,551	-4%
46	$60	$121	$1,449	-7%
47	$63	$118	$1,422	-2%
48	$59	$115	$1,376	-3%
49	$64	$118	$1,412	3%
50	$58	$119	$1,433	1%
51	$61	$121	$1,455	2%
52	$62	$125	$1,496	3%
53	$60	$111	$1,334	-11%
54	$56	$107	$1,287	-3%
55	$55	$113	$1,359	6%
56	$52	$104	$1,243	-9%
57	$53	$106	$1,272	2%
58	$56	$105	$1,262	-1%
59	$52	$110	$1,318	4%
60	$53	$107	$1,281	-3%
61	$50	$94	$1,132	-12%
62	$54	$100	$1,204	6%
63	$62	$120	$1,436	19%
64	$55	$111	$1,337	-7%
65	$46	$91	$1,091	-18%
66	$54	$106	$1,276	17%
67	$45	$90	$1,078	-16%
68	$49	$106	$1,268	18%
69	$47	$85	$1,014	-20%
70	$57	$112	$1,339	32%
71	$51	$99	$1,183	-12%
72	$53	$107	$1,280	8%
73	$55	$109	$1,309	2%
74	$58	$116	$1,388	6%
75	$52	$92	$1,108	-20%

Last Updated April 20, 2026

Key takeaway: Wisconsin rates spike 67% at age 18 before falling sharply. By 65, the average is just $91/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	$2,421	-28%
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	$76	$124	$1,491	-28%
26	$64	$108	$1,292	-13%
27	$61	$108	$1,292	0%
28	$57	$106	$1,269	-2%
29	$67	$126	$1,513	19%
30	$61	$110	$1,318	-13%
31	$48	$82	$983	-25%
32	$65	$116	$1,389	41%
33	$63	$131	$1,576	14%
34	$49	$103	$1,235	-22%
35	$52	$98	$1,176	-5%
36	$59	$117	$1,407	20%
37	$56	$98	$1,181	-16%
38	$46	$88	$1,052	-11%
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	$103	$1,237	4%
45	$57	$104	$1,254	1%
46	$84	$121	$1,457	16%
47	$51	$88	$1,055	-28%
48	$49	$94	$1,133	7%
49	$65	$130	$1,561	38%
50	$47	$83	$1,001	-36%
51	$56	$104	$1,252	25%
52	$51	$90	$1,082	-14%
53	$47	$74	$893	-17%
54	$54	$101	$1,211	36%
55	$56	$119	$1,425	18%
56	$47	$95	$1,140	-20%
57	$46	$87	$1,045	-8%
58	$43	$82	$982	-6%
59	$44	$74	$890	-9%
60	$47	$75	$894	1%
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%

Last Updated April 20, 2026

Key takeaway: Wyoming is among the most affordable states at every age. Teen rates average $277/mo at age 16 and fall to just $70/mo by 65. Year-to-year volatility likely reflects smaller data samples statewide.

Average Car Insurance Cost Per Month by Age and State

Average Car Insurance Cost Per Month by Age and State

Alabama

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Idaho

Illinois

Indiana.

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

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