Alabama

Alabama rates average $299 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 $113 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

16	$173	$299	$3,589	–
17	$202	$372	$4,468	24%
18	$154	$301	$3,616	-19%
19	$154	$300	$3,596	-1%
20	$138	$275	$3,294	-8%
21	$127	$250	$3,004	-9%
22	$107	$223	$2,678	-11%
23	$112	$215	$2,581	-4%
24	$98	$198	$2,372	-8%
25	$98	$189	$2,268	-4%
26	$90	$178	$2,135	-6%
27	$85	$166	$1,996	-7%
28	$85	$166	$1,989	-0%
29	$84	$166	$1,986	-0%
30	$86	$181	$2,166	9%
31	$82	$160	$1,918	-11%
32	$78	$156	$1,871	-2%
33	$77	$158	$1,902	2%
34	$74	$156	$1,871	-2%
35	$72	$156	$1,867	-0%
36	$73	$149	$1,791	-4%
37	$76	$156	$1,871	4%
38	$73	$151	$1,814	-3%
39	$76	$155	$1,855	2%
40	$69	$137	$1,641	-12%
41	$76	$163	$1,951	19%
42	$71	$148	$1,776	-9%
43	$72	$145	$1,743	-2%
44	$68	$151	$1,817	4%
45	$68	$139	$1,668	-8%
46	$65	$136	$1,636	-2%
47	$67	$143	$1,713	5%
48	$64	$135	$1,623	-5%
49	$64	$135	$1,619	-0%
50	$61	$125	$1,504	-7%
51	$60	$125	$1,504	-0%
52	$59	$125	$1,501	-0%
53	$62	$132	$1,590	6%
54	$64	$130	$1,566	-1%
55	$58	$124	$1,491	-5%
56	$60	$120	$1,441	-3%
57	$55	$109	$1,305	-9%
58	$66	$129	$1,547	19%
59	$59	$120	$1,443	-7%
60	$62	$122	$1,461	1%
61	$59	$124	$1,482	1%
62	$57	$114	$1,368	-8%
63	$61	$118	$1,418	4%
64	$52	$104	$1,243	-12%
65	$59	$113	$1,352	9%
66	$56	$112	$1,343	-1%
67	$59	$125	$1,495	11%
68	$59	$114	$1,372	-8%
69	$59	$116	$1,387	1%
70	$61	$118	$1,413	2%
71	$58	$111	$1,333	-6%
72	$62	$121	$1,450	9%
73	$59	$116	$1,389	-4%
74	$67	$132	$1,589	14%
75	$62	$126	$1,515	-5%

Last Updated July 15, 2026

Key takeaway: Alabama teen rates average $299 24%/mo at 16 before spikingat 17. After that, rates fall consistently to $113/mo by 65 and $126/mo by 75.

Arizona

Arizona 16-year-olds average $494 per month, close to the national average for that age. The biggest single-year drop in the state comes at 21, when rates fall 16% to $324 per month. By 75, the average reaches $145 per month.

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

16	$279	$494	$5,933	–
17	$281	$499	$5,983	1%
18	$274	$497	$5,965	-0%
19	$236	$434	$5,204	-13%
20	$208	$386	$4,628	-11%
21	$178	$324	$3,885	-16%
22	$168	$298	$3,577	-8%
23	$153	$273	$3,273	-9%
24	$146	$257	$3,087	-6%
25	$136	$242	$2,907	-6%
26	$132	$238	$2,852	-2%
27	$136	$232	$2,788	-2%
28	$131	$230	$2,758	-1%
29	$119	$216	$2,595	-6%
30	$123	$214	$2,569	-1%
31	$116	$210	$2,516	-2%
32	$114	$202	$2,423	-4%
33	$112	$198	$2,378	-2%
34	$108	$194	$2,328	-2%
35	$109	$196	$2,346	1%
36	$114	$194	$2,332	-1%
37	$106	$186	$2,235	-4%
38	$103	$186	$2,226	-0%
39	$108	$190	$2,279	2%
40	$100	$179	$2,151	-6%
41	$104	$189	$2,266	5%
42	$100	$177	$2,121	-6%
43	$105	$190	$2,281	8%
44	$103	$185	$2,225	-2%
45	$98	$176	$2,117	-5%
46	$100	$182	$2,180	3%
47	$100	$180	$2,165	-1%
48	$102	$178	$2,137	-1%
49	$100	$186	$2,236	5%
50	$94	$169	$2,026	-9%
51	$94	$161	$1,934	-5%
52	$96	$169	$2,025	5%
53	$94	$166	$1,992	-2%
54	$95	$166	$1,990	-0%
55	$90	$158	$1,895	-5%
56	$91	$160	$1,923	2%
57	$94	$164	$1,969	2%
58	$88	$151	$1,811	-8%
59	$88	$157	$1,881	4%
60	$85	$154	$1,843	-2%
61	$85	$148	$1,771	-4%
62	$86	$155	$1,863	5%
63	$86	$151	$1,809	-3%
64	$80	$142	$1,701	-6%
65	$83	$145	$1,740	2%
66	$81	$147	$1,758	1%
67	$82	$145	$1,744	-1%
68	$80	$138	$1,652	-5%
69	$87	$155	$1,861	13%
70	$84	$149	$1,790	-4%
71	$86	$150	$1,795	0%
72	$81	$142	$1,701	-5%
73	$79	$139	$1,668	-2%
74	$88	$163	$1,960	18%
75	$81	$145	$1,737	-11%

Last Updated July 15, 2026

Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 (16%). Rates reach $145/mo by 75, a consistent long-term decline from $497/mo at 18 years old.

Arkansas

Arkansas has an unusual pattern at the teen level: Rates actually fall 25% from age 16 to 17, dropping from $550 and $414 per month, before following the typical downward trend. By 75, the average reaches $132 per month.

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

16	$295	$550	$6,595	–
17	$232	$414	$4,971	-25%
18	$183	$364	$4,370	-12%
19	$149	$304	$3,650	-16%
20	$134	$283	$3,398	-7%
21	$118	$249	$2,990	-12%
22	$110	$225	$2,697	-10%
23	$103	$210	$2,517	-7%
24	$95	$188	$2,260	-10%
25	$96	$190	$2,281	1%
26	$90	$185	$2,215	-3%
27	$84	$174	$2,086	-6%
28	$87	$175	$2,096	1%
29	$87	$175	$2,094	-0%
30	$80	$168	$2,012	-4%
31	$78	$162	$1,940	-4%
32	$79	$164	$1,969	1%
33	$73	$151	$1,815	-8%
34	$72	$142	$1,700	-6%
35	$74	$147	$1,766	4%
36	$76	$156	$1,872	6%
37	$70	$145	$1,744	-7%
38	$71	$146	$1,748	0%
39	$70	$147	$1,758	1%
40	$73	$148	$1,778	1%
41	$72	$142	$1,705	-4%
42	$68	$141	$1,694	-1%
43	$72	$147	$1,763	4%
44	$69	$141	$1,690	-4%
45	$67	$138	$1,653	-2%
46	$67	$143	$1,710	3%
47	$70	$143	$1,712	0%
48	$68	$136	$1,636	-4%
49	$67	$138	$1,655	1%
50	$63	$124	$1,485	-10%
51	$68	$134	$1,603	8%
52	$66	$133	$1,596	-0%
53	$63	$126	$1,508	-5%
54	$66	$131	$1,573	4%
55	$63	$128	$1,541	-2%
56	$62	$127	$1,522	-1%
57	$65	$130	$1,560	2%
58	$59	$119	$1,430	-8%
59	$67	$132	$1,584	11%
60	$64	$127	$1,524	-4%
61	$61	$118	$1,416	-7%
62	$64	$126	$1,510	7%
63	$74	$168	$2,016	34%
64	$63	$121	$1,457	-28%
65	$64	$124	$1,486	2%
66	$62	$122	$1,461	-2%
67	$67	$133	$1,597	9%
68	$64	$126	$1,510	-5%
69	$64	$128	$1,536	2%
70	$68	$134	$1,604	4%
71	$64	$123	$1,471	-8%
72	$65	$123	$1,480	1%
73	$63	$125	$1,498	1%
74	$62	$125	$1,502	0%
75	$71	$132	$1,587	6%

Last Updated July 15, 2026

Key takeaway: Arkansas rates drop 25% between ages 16 and 17, which is atypical. After that, the decline follows the national pattern, reaching $132/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 $509 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 $258 per month, and by 65 it reaches $174 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $197 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

16	$202	$509	$6,104	–
17	$197	$464	$5,569	-9%
18	$229	$541	$6,494	17%
19	$215	$519	$6,224	-4%
20	$199	$459	$5,512	-11%
21	$178	$401	$4,812	-13%
22	$155	$361	$4,327	-10%
23	$147	$345	$4,145	-4%
24	$139	$321	$3,852	-7%
25	$137	$310	$3,722	-3%
26	$133	$301	$3,608	-3%
27	$127	$288	$3,452	-4%
28	$123	$282	$3,383	-2%
29	$122	$277	$3,323	-2%
30	$114	$258	$3,097	-7%
31	$112	$257	$3,082	-0%
32	$108	$250	$3,004	-3%
33	$107	$239	$2,872	-4%
34	$109	$233	$2,797	-3%
35	$104	$233	$2,794	-0%
36	$104	$222	$2,664	-5%
37	$102	$223	$2,674	0%
38	$100	$224	$2,689	1%
39	$102	$228	$2,742	2%
40	$97	$217	$2,605	-5%
41	$101	$218	$2,611	0%
42	$96	$211	$2,532	-3%
43	$97	$209	$2,513	-1%
44	$95	$209	$2,514	0%
45	$97	$212	$2,542	1%
46	$97	$210	$2,518	-1%
47	$98	$209	$2,513	-0%
48	$97	$202	$2,428	-3%
49	$94	$203	$2,441	1%
50	$96	$204	$2,451	0%
51	$93	$202	$2,420	-1%
52	$93	$197	$2,369	-2%
53	$93	$198	$2,373	0%
54	$93	$191	$2,292	-3%
55	$92	$192	$2,305	1%
56	$92	$194	$2,333	1%
57	$92	$190	$2,277	-2%
58	$93	$189	$2,266	-0%
59	$88	$187	$2,244	-1%
60	$90	$182	$2,180	-3%
61	$88	$188	$2,253	3%
62	$91	$185	$2,225	-1%
63	$91	$182	$2,186	-2%
64	$88	$177	$2,121	-3%
65	$87	$174	$2,084	-2%
66	$91	$182	$2,182	5%
67	$90	$187	$2,245	3%
68	$91	$179	$2,152	-4%
69	$91	$180	$2,157	0%
70	$94	$191	$2,287	6%
71	$94	$185	$2,221	-3%
72	$94	$184	$2,207	-1%
73	$96	$191	$2,297	4%
74	$96	$194	$2,328	1%
75	$98	$197	$2,358	1%

Last Updated July 15, 2026

Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $509/mo. Rates fall to $174/mo by 65 and stay stable through the mid-70s.

Colorado

Colorado 16-year-olds pay an average of $557 per month, and the biggest single-year drop afterwards in the state comes at 21, when rates fall 20% to $319 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

16	$282	$557	$6,687	–
17	$219	$439	$5,270	-21%
18	$225	$438	$5,259	-0%
19	$209	$447	$5,360	2%
20	$188	$398	$4,778	-11%
21	$161	$319	$3,822	-20%
22	$142	$304	$3,648	-5%
23	$131	$281	$3,370	-8%
24	$127	$281	$3,376	0%
25	$120	$262	$3,142	-7%
26	$119	$253	$3,037	-3%
27	$116	$262	$3,148	4%
28	$108	$240	$2,882	-8%
29	$107	$233	$2,799	-3%
30	$108	$237	$2,842	2%
31	$106	$233	$2,792	-2%
32	$100	$217	$2,599	-7%
33	$102	$212	$2,546	-2%
34	$98	$216	$2,594	2%
35	$96	$213	$2,550	-2%
36	$97	$210	$2,519	-1%
37	$98	$211	$2,535	1%
38	$94	$206	$2,466	-3%
39	$95	$218	$2,622	6%
40	$94	$209	$2,510	-4%
41	$91	$194	$2,324	-7%
42	$89	$188	$2,253	-3%
43	$87	$212	$2,545	13%
44	$87	$196	$2,356	-7%
45	$85	$191	$2,296	-3%
46	$86	$192	$2,310	1%
47	$87	$193	$2,317	0%
48	$86	$191	$2,291	-1%
49	$88	$190	$2,285	-0%
50	$82	$186	$2,227	-3%
51	$80	$171	$2,051	-8%
52	$85	$188	$2,252	10%
53	$82	$182	$2,184	-3%
54	$76	$167	$2,003	-8%
55	$84	$188	$2,251	12%
56	$79	$171	$2,052	-9%
57	$76	$161	$1,932	-6%
58	$78	$174	$2,084	8%
59	$79	$168	$2,021	-3%
60	$71	$150	$1,804	-11%
61	$78	$164	$1,970	9%
62	$75	$160	$1,919	-3%
63	$79	$154	$1,853	-3%
64	$75	$165	$1,982	7%
65	$73	$152	$1,825	-8%
66	$74	$150	$1,797	-2%
67	$76	$153	$1,838	2%
68	$76	$153	$1,839	0%
69	$73	$146	$1,756	-5%
70	$82	$165	$1,979	13%
71	$79	$157	$1,879	-5%
72	$80	$163	$1,962	4%
73	$74	$145	$1,738	-11%
74	$82	$149	$1,793	3%
75	$87	$172	$2,067	15%

Last Updated July 15, 2026

Key takeaway: Colorado’s steepest drop is 20% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $172/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 20% to $437 per month.

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

16	$450	$768	$9,215	–
17	$366	$641	$7,694	-17%
18	$392	$745	$8,941	16%
19	$326	$618	$7,422	-17%
20	$278	$545	$6,546	-12%
21	$229	$437	$5,243	-20%
22	$228	$415	$4,983	-5%
23	$221	$404	$4,851	-3%
24	$201	$374	$4,490	-7%
25	$192	$383	$4,596	2%
26	$185	$339	$4,065	-12%
27	$178	$317	$3,808	-6%
28	$173	$306	$3,673	-4%
29	$180	$314	$3,769	3%
30	$173	$301	$3,612	-4%
31	$168	$301	$3,608	-0%
32	$161	$279	$3,343	-7%
33	$167	$281	$3,372	1%
34	$159	$267	$3,200	-5%
35	$164	$280	$3,357	5%
36	$167	$284	$3,404	1%
37	$158	$268	$3,217	-5%
38	$160	$271	$3,247	1%
39	$160	$264	$3,162	-3%
40	$155	$260	$3,117	-1%
41	$148	$260	$3,123	0%
42	$149	$247	$2,970	-5%
43	$154	$254	$3,047	3%
44	$152	$264	$3,168	4%
45	$162	$278	$3,338	5%
46	$162	$270	$3,242	-3%
47	$151	$256	$3,075	-5%
48	$142	$238	$2,851	-7%
49	$150	$252	$3,024	6%
50	$145	$254	$3,050	1%
51	$147	$246	$2,956	-3%
52	$136	$235	$2,818	-5%
53	$139	$240	$2,881	2%
54	$138	$234	$2,811	-2%
55	$146	$244	$2,927	4%
56	$137	$235	$2,814	-4%
57	$127	$217	$2,608	-7%
58	$136	$220	$2,641	1%
59	$124	$203	$2,435	-8%
60	$131	$226	$2,709	11%
61	$124	$210	$2,523	-7%
62	$122	$202	$2,421	-4%
63	$122	$208	$2,490	3%
64	$120	$200	$2,399	-4%
65	$122	$201	$2,414	1%
66	$122	$204	$2,446	1%
67	$116	$196	$2,350	-4%
68	$119	$204	$2,449	4%
69	$132	$217	$2,606	6%
70	$123	$209	$2,512	-4%
71	$129	$209	$2,508	-0%
72	$134	$228	$2,732	9%
73	$138	$242	$2,902	6%
74	$115	$218	$2,615	-10%
75	$131	$229	$2,744	5%

Last Updated July 15, 2026

Key takeaway: Connecticut 16-year-olds average $768/mo, among the highest nationally. The biggest drop, 23%, happens at age 21 (20%). Even at 75, the average stays elevated at $229/mo.

Delaware

Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $694 per month before a steep 29% drop at 19. By 30, rates settle to $240 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

16	$382	$482	$5,781	–
17	$350	$579	$6,948	20%
18	$350	$694	$8,324	20%
19	$276	$492	$5,906	-29%
20	$190	$326	$3,912	-34%
21	$203	$323	$3,874	-1%
22	$178	$293	$3,511	-9%
23	$174	$290	$3,485	-1%
24	$155	$269	$3,228	-7%
25	$159	$258	$3,095	-4%
26	$144	$229	$2,754	-11%
27	$149	$238	$2,851	4%
28	$140	$230	$2,760	-3%
29	$145	$229	$2,746	-0%
30	$142	$240	$2,882	5%
31	$143	$246	$2,957	3%
32	$132	$217	$2,602	-12%
33	$130	$212	$2,545	-2%
34	$134	$212	$2,542	-0%
35	$130	$216	$2,594	2%
36	$123	$200	$2,401	-7%
37	$123	$205	$2,464	3%
38	$132	$214	$2,566	4%
39	$134	$201	$2,412	-6%
40	$124	$197	$2,367	-2%
41	$133	$212	$2,545	8%
42	$123	$202	$2,426	-5%
43	$118	$187	$2,242	-8%
44	$128	$221	$2,656	18%
45	$121	$202	$2,420	-9%
46	$128	$207	$2,489	3%
47	$123	$203	$2,432	-2%
48	$114	$184	$2,208	-9%
49	$120	$205	$2,457	11%
50	$106	$177	$2,127	-13%
51	$134	$219	$2,630	24%
52	$106	$184	$2,211	-16%
53	$111	$189	$2,273	3%
54	$115	$191	$2,297	1%
55	$106	$171	$2,058	-10%
56	$111	$187	$2,238	9%
57	$111	$182	$2,186	-2%
58	$99	$181	$2,171	-1%
59	$102	$169	$2,026	-7%
60	$108	$176	$2,114	4%
61	$105	$169	$2,023	-4%
62	$96	$160	$1,923	-5%
63	$110	$166	$1,987	3%
64	$106	$163	$1,958	-1%
65	$98	$163	$1,959	0%
66	$91	$155	$1,863	-5%
67	$99	$157	$1,878	1%
68	$101	$167	$2,010	7%
69	$110	$174	$2,090	4%
70	$110	$185	$2,219	6%
71	$111	$189	$2,265	2%
72	$99	$161	$1,929	-15%
73	$104	$160	$1,919	-1%
74	$106	$165	$1,980	3%
75	$97	$167	$1,998	1%

Last Updated July 15, 2026

Key takeaway: Delaware rates peak at 18 ($694/mo) before dropping sharply. By 30, the average falls to $240/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 $512 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 $271 per month, and by 65 it reaches $186 per month. Florida’s rates level off more slowly after 65 than most states, with 75-year-olds averaging $181 per month.

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

16	$213	$503	$6,041	–
17	$210	$518	$6,216	3%
18	$209	$512	$6,144	-1%
19	$182	$448	$5,381	-12%
20	$157	$399	$4,784	-11%
21	$146	$361	$4,338	-9%
22	$140	$347	$4,161	-4%
23	$127	$310	$3,718	-11%
24	$128	$301	$3,614	-3%
25	$124	$296	$3,549	-2%
26	$118	$284	$3,407	-4%
27	$116	$289	$3,469	2%
28	$120	$282	$3,390	-2%
29	$111	$275	$3,302	-3%
30	$114	$271	$3,254	-1%
31	$109	$268	$3,211	-1%
32	$112	$264	$3,168	-1%
33	$104	$254	$3,053	-4%
34	$105	$254	$3,044	-0%
35	$103	$245	$2,938	-3%
36	$100	$244	$2,924	-0%
37	$102	$249	$2,983	2%
38	$99	$237	$2,839	-5%
39	$102	$242	$2,903	2%
40	$101	$241	$2,891	-0%
41	$98	$237	$2,848	-1%
42	$98	$237	$2,840	-0%
43	$94	$231	$2,772	-2%
44	$96	$231	$2,768	-0%
45	$93	$222	$2,670	-4%
46	$93	$231	$2,773	4%
47	$90	$223	$2,681	-3%
48	$89	$225	$2,697	1%
49	$94	$232	$2,784	3%
50	$88	$220	$2,646	-5%
51	$93	$224	$2,689	2%
52	$89	$217	$2,608	-3%
53	$87	$212	$2,545	-2%
54	$85	$213	$2,550	0%
55	$85	$207	$2,485	-3%
56	$82	$200	$2,405	-3%
57	$79	$193	$2,315	-4%
58	$80	$196	$2,354	2%
59	$81	$194	$2,333	-1%
60	$82	$191	$2,297	-2%
61	$77	$187	$2,243	-2%
62	$77	$188	$2,257	1%
63	$80	$189	$2,272	1%
64	$78	$185	$2,218	-2%
65	$78	$186	$2,237	1%
66	$77	$180	$2,162	-3%
67	$79	$183	$2,192	1%
68	$77	$182	$2,188	-0%
69	$77	$186	$2,230	2%
70	$77	$187	$2,238	0%
71	$81	$193	$2,320	4%
72	$80	$188	$2,256	-3%
73	$79	$185	$2,218	-2%
74	$81	$196	$2,347	6%
75	$79	$181	$2,173	-7%

Last Updated July 15, 2026

Key takeaway: Florida rates peak at 18 ($512/mo) before falling. PIP coverage is required statewide, which adds to premiums at every age. By 65, the average is $186/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 $823 per month compared to $669 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 $536 per month. By 30, it reaches $327 per month. Georgia rates continue declining steadily through middle age but remain above the national average at most ages. By 65, drivers in Georgia average $255 per month, and 75-year-olds average $284 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

16	$336	$669	$8,023	–
17	$336	$658	$7,895	-2%
18	$417	$823	$9,871	25%
19	$375	$695	$8,346	-15%
20	$333	$616	$7,391	-11%
21	$288	$536	$6,428	-13%
22	$258	$482	$5,783	-10%
23	$241	$445	$5,339	-8%
24	$231	$415	$4,975	-7%
25	$216	$388	$4,661	-6%
26	$206	$367	$4,409	-5%
27	$202	$353	$4,231	-4%
28	$198	$343	$4,118	-3%
29	$190	$335	$4,023	-2%
30	$185	$327	$3,921	-3%
31	$179	$316	$3,789	-3%
32	$183	$319	$3,825	1%
33	$180	$312	$3,745	-2%
34	$173	$310	$3,718	-1%
35	$175	$308	$3,695	-1%
36	$176	$310	$3,721	1%
37	$173	$308	$3,690	-1%
38	$174	$309	$3,709	0%
39	$167	$293	$3,512	-5%
40	$167	$295	$3,543	1%
41	$161	$288	$3,453	-3%
42	$161	$284	$3,405	-1%
43	$157	$277	$3,319	-3%
44	$159	$282	$3,380	2%
45	$159	$280	$3,365	-0%
46	$153	$266	$3,198	-5%
47	$150	$269	$3,227	1%
48	$154	$276	$3,312	3%
49	$151	$273	$3,279	-1%
50	$152	$272	$3,261	-1%
51	$144	$253	$3,033	-7%
52	$146	$255	$3,060	1%
53	$142	$251	$3,017	-1%
54	$140	$245	$2,945	-2%
55	$143	$256	$3,073	4%
56	$141	$253	$3,034	-1%
57	$144	$254	$3,046	0%
58	$133	$237	$2,847	-7%
59	$138	$248	$2,973	4%
60	$145	$253	$3,038	2%
61	$140	$253	$3,036	-0%
62	$143	$245	$2,943	-3%
63	$143	$252	$3,019	3%
64	$144	$250	$3,006	-0%
65	$144	$255	$3,061	2%
66	$144	$259	$3,110	2%
67	$137	$247	$2,960	-5%
68	$143	$252	$3,028	2%
69	$142	$257	$3,079	2%
70	$144	$253	$3,037	-1%
71	$147	$261	$3,126	3%
72	$150	$266	$3,190	2%
73	$147	$265	$3,186	-0%
74	$148	$256	$3,077	-3%
75	$151	$284	$3,402	11%

Last Updated July 15, 2026

Key takeaway: Georgia 18-year-olds average $823/mo, higher than at 16. Atlanta drives rates above the national average statewide. By 65, drivers average $255/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 $340 per month. By 30, that figure drops to just $114 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

16	$239	$340	$4,084	–
17	$134	$227	$2,723	-33%
18	$180	$275	$3,305	21%
19	$135	$224	$2,684	-19%
20	$117	$212	$2,543	-5%
21	$107	$186	$2,227	-12%
22	$83	$147	$1,766	-21%
23	$69	$134	$1,612	-9%
24	$66	$122	$1,460	-9%
25	$70	$134	$1,608	10%
26	$67	$139	$1,666	4%
27	$58	$111	$1,332	-20%
28	$67	$136	$1,634	23%
29	$64	$110	$1,318	-19%
30	$56	$114	$1,367	4%
31	$55	$104	$1,245	-9%
32	$62	$122	$1,459	17%
33	$58	$106	$1,267	-13%
34	$65	$119	$1,428	13%
35	$63	$106	$1,274	-11%
36	$53	$101	$1,217	-4%
37	$53	$105	$1,255	3%
38	$49	$87	$1,043	-17%
39	$58	$104	$1,248	20%
40	$54	$99	$1,186	-5%
41	$56	$113	$1,359	15%
42	$60	$104	$1,252	-8%
43	$58	$103	$1,239	-1%
44	$55	$102	$1,229	-1%
45	$53	$92	$1,106	-10%
46	$60	$112	$1,348	22%
47	$48	$83	$999	-26%
48	$56	$96	$1,153	15%
49	$53	$91	$1,089	-6%
50	$55	$93	$1,113	2%
51	$48	$95	$1,135	2%
52	$46	$85	$1,020	-10%
53	$52	$95	$1,136	11%
54	$46	$82	$979	-14%
55	$51	$88	$1,058	8%
56	$43	$74	$885	-16%
57	$52	$94	$1,132	28%
58	$42	$80	$962	-15%
59	$43	$75	$898	-7%
60	$41	$74	$887	-1%
61	$34	$69	$825	-7%
62	$42	$76	$910	10%
63	$40	$73	$876	-4%
64	$47	$86	$1,034	18%
65	$48	$75	$902	-13%
66	$42	$79	$948	5%
67	$43	$78	$937	-1%
68	$39	$70	$834	-11%
69	$41	$74	$891	7%
70	$39	$67	$803	-10%
71	$44	$79	$945	18%
72	$45	$73	$878	-7%
73	$42	$78	$941	7%
74	$40	$68	$821	-13%
75	$47	$84	$1,005	22%

Last Updated July 15, 2026

Key takeaway: Idaho is among the cheapest states at every age. Teens average $340/mo at 16, dropping to just $114/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 $339 per month, which is below the national teen average, making it more affordable than most states for young drivers at the state level.

Rates fall consistently through the 20s and 30s. The biggest year-over-year drops come at 21 and 22, where rates fall 15% and 13% respectively, steeper than the national average for those years. By 30, Illinois drivers average $186 per month. Rates continue declining into the 60s, reaching $131 per month at age 65. By 75, the average is $136 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

16	$191	$339	$4,062	–
17	$212	$391	$4,692	15%
18	$200	$399	$4,782	2%
19	$196	$388	$4,652	-3%
20	$183	$405	$4,862	5%
21	$158	$343	$4,111	-15%
22	$136	$298	$3,571	-13%
23	$133	$262	$3,149	-12%
24	$122	$234	$2,813	-11%
25	$111	$219	$2,630	-7%
26	$108	$207	$2,484	-6%
27	$99	$193	$2,313	-7%
28	$102	$192	$2,299	-1%
29	$102	$193	$2,316	1%
30	$95	$186	$2,238	-3%
31	$92	$181	$2,169	-3%
32	$100	$198	$2,379	10%
33	$95	$181	$2,168	-9%
34	$92	$181	$2,168	-0%
35	$90	$181	$2,170	0%
36	$89	$177	$2,119	-2%
37	$91	$176	$2,108	-1%
38	$91	$178	$2,138	1%
39	$96	$189	$2,263	6%
40	$87	$167	$2,000	-12%
41	$82	$156	$1,872	-6%
42	$87	$163	$1,954	4%
43	$88	$166	$1,989	2%
44	$88	$165	$1,983	-0%
45	$82	$157	$1,879	-5%
46	$84	$161	$1,928	3%
47	$87	$166	$1,992	3%
48	$80	$155	$1,856	-7%
49	$81	$155	$1,858	0%
50	$80	$151	$1,816	-2%
51	$84	$162	$1,942	7%
52	$81	$151	$1,817	-6%
53	$79	$153	$1,831	1%
54	$78	$147	$1,764	-4%
55	$81	$159	$1,913	8%
56	$76	$142	$1,702	-11%
57	$77	$141	$1,690	-1%
58	$75	$142	$1,710	1%
59	$81	$148	$1,781	4%
60	$77	$145	$1,737	-2%
61	$74	$141	$1,690	-3%
62	$76	$142	$1,705	1%
63	$73	$136	$1,633	-4%
64	$78	$145	$1,736	6%
65	$72	$131	$1,576	-9%
66	$75	$144	$1,724	9%
67	$78	$139	$1,670	-3%
68	$77	$138	$1,657	-1%
69	$75	$136	$1,631	-2%
70	$78	$146	$1,757	8%
71	$74	$140	$1,682	-4%
72	$77	$142	$1,704	1%
73	$75	$134	$1,608	-6%
74	$76	$135	$1,625	1%
75	$75	$136	$1,627	0%

Last Updated July 15, 2026

Key takeaway: Illinois 16-year-olds average $339/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 $329 per month and by 30 the average drops to $149 per month, well below the national average for that age.

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

16	$179	$329	$3,949	–
17	$144	$271	$3,249	-18%
18	$151	$300	$3,599	11%
19	$134	$272	$3,265	-9%
20	$127	$268	$3,212	-2%
21	$111	$225	$2,696	-16%
22	$103	$206	$2,474	-8%
23	$95	$190	$2,281	-8%
24	$90	$180	$2,162	-5%
25	$86	$176	$2,109	-2%
26	$82	$158	$1,892	-10%
27	$79	$152	$1,821	-4%
28	$82	$157	$1,878	3%
29	$78	$146	$1,751	-7%
30	$80	$149	$1,793	2%
31	$76	$158	$1,893	6%
32	$76	$140	$1,683	-11%
33	$70	$130	$1,564	-7%
34	$69	$135	$1,625	4%
35	$69	$126	$1,510	-7%
36	$73	$139	$1,672	11%
37	$73	$134	$1,613	-3%
38	$74	$134	$1,609	-0%
39	$70	$132	$1,585	-1%
40	$72	$142	$1,700	7%
41	$66	$129	$1,548	-9%
42	$67	$132	$1,589	3%
43	$69	$133	$1,595	0%
44	$64	$125	$1,498	-6%
45	$68	$129	$1,551	3%
46	$66	$130	$1,554	0%
47	$66	$125	$1,499	-4%
48	$66	$124	$1,486	-1%
49	$66	$126	$1,509	2%
50	$64	$118	$1,418	-6%
51	$66	$127	$1,523	7%
52	$66	$118	$1,416	-7%
53	$64	$120	$1,440	2%
54	$60	$113	$1,355	-6%
55	$59	$109	$1,312	-3%
56	$56	$105	$1,256	-4%
57	$62	$120	$1,435	14%
58	$56	$104	$1,243	-13%
59	$55	$105	$1,256	1%
60	$60	$110	$1,319	5%
61	$61	$114	$1,369	4%
62	$55	$108	$1,298	-5%
63	$56	$110	$1,319	2%
64	$56	$108	$1,291	-2%
65	$55	$103	$1,237	-4%
66	$59	$108	$1,300	5%
67	$59	$105	$1,266	-3%
68	$54	$104	$1,246	-2%
69	$57	$102	$1,219	-2%
70	$61	$117	$1,401	15%
71	$64	$115	$1,385	-1%
72	$61	$109	$1,310	-5%
73	$62	$111	$1,326	1%
74	$68	$118	$1,418	7%
75	$65	$118	$1,412	-0%

Last Updated July 15, 2026

Key takeaway: Indiana rates are affordable across all age groups; 16-year-olds average $329/mo, and by 30 the average falls to $149/mo, one of the lowest in the Midwest.

Iowa

Iowa has the lowest teen rates in Jerry’s dataset. Iowa 16-year-olds average just $239 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

16	$141	$239	$2,863	–
17	$125	$210	$2,520	-12%
18	$130	$238	$2,857	13%
19	$120	$217	$2,602	-9%
20	$97	$189	$2,268	-13%
21	$93	$172	$2,060	-9%
22	$74	$144	$1,724	-16%
23	$66	$113	$1,356	-21%
24	$64	$118	$1,420	5%
25	$60	$115	$1,379	-3%
26	$56	$104	$1,251	-9%
27	$63	$114	$1,363	9%
28	$63	$118	$1,418	4%
29	$65	$124	$1,484	5%
30	$61	$104	$1,242	-16%
31	$58	$111	$1,337	8%
32	$63	$117	$1,410	5%
33	$59	$108	$1,296	-8%
34	$56	$104	$1,246	-4%
35	$52	$98	$1,180	-5%
36	$51	$89	$1,066	-10%
37	$50	$87	$1,049	-2%
38	$48	$88	$1,060	1%
39	$57	$96	$1,155	9%
40	$49	$92	$1,109	-4%
41	$57	$105	$1,265	14%
42	$51	$96	$1,152	-9%
43	$54	$99	$1,185	3%
44	$48	$91	$1,091	-8%
45	$54	$101	$1,207	11%
46	$47	$82	$981	-19%
47	$46	$86	$1,031	5%
48	$50	$82	$980	-5%
49	$47	$88	$1,060	8%
50	$47	$84	$1,009	-5%
51	$43	$84	$1,008	-0%
52	$46	$88	$1,059	5%
53	$46	$92	$1,099	4%
54	$44	$79	$953	-13%
55	$42	$74	$884	-7%
56	$45	$86	$1,036	17%
57	$47	$83	$997	-4%
58	$42	$76	$912	-9%
59	$38	$75	$905	-1%
60	$36	$74	$892	-1%
61	$42	$76	$917	3%
62	$37	$71	$849	-7%
63	$41	$71	$858	1%
64	$36	$69	$832	-3%
65	$44	$82	$982	18%
66	$37	$70	$842	-14%
67	$30	$60	$722	-14%
68	$42	$72	$869	20%
69	$35	$75	$900	4%
70	$35	$68	$813	-10%
71	$52	$82	$986	21%
72	$42	$76	$910	-8%
73	$37	$77	$923	1%
74	$43	$80	$957	4%
75	$38	$73	$872	-9%

Last Updated July 15, 2026

Key takeaway: Iowa 16-year-olds average $239/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 $305 per month, and rates decline steadily with age, reaching $104 per month at 65.

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

16	$193	$305	$3,664	–
17	$185	$298	$3,571	-3%
18	$176	$325	$3,901	9%
19	$148	$286	$3,428	-12%
20	$141	$266	$3,187	-7%
21	$122	$244	$2,929	-8%
22	$121	$227	$2,723	-7%
23	$106	$198	$2,378	-13%
24	$99	$174	$2,094	-12%
25	$96	$178	$2,131	2%
26	$92	$166	$1,996	-6%
27	$90	$173	$2,070	4%
28	$82	$158	$1,897	-8%
29	$83	$149	$1,793	-5%
30	$83	$152	$1,820	2%
31	$87	$155	$1,863	2%
32	$84	$150	$1,804	-3%
33	$83	$152	$1,829	1%
34	$82	$146	$1,756	-4%
35	$81	$145	$1,740	-1%
36	$77	$149	$1,787	3%
37	$79	$143	$1,716	-4%
38	$75	$139	$1,672	-3%
39	$72	$132	$1,590	-5%
40	$74	$138	$1,657	4%
41	$71	$131	$1,566	-6%
42	$77	$139	$1,667	6%
43	$75	$132	$1,585	-5%
44	$79	$142	$1,705	8%
45	$75	$138	$1,652	-3%
46	$69	$128	$1,532	-7%
47	$68	$133	$1,600	4%
48	$72	$140	$1,682	5%
49	$71	$128	$1,538	-9%
50	$66	$119	$1,433	-7%
51	$65	$125	$1,497	4%
52	$72	$138	$1,651	10%
53	$67	$126	$1,517	-8%
54	$61	$109	$1,308	-14%
55	$70	$138	$1,653	26%
56	$58	$108	$1,298	-22%
57	$65	$126	$1,515	17%
58	$64	$106	$1,270	-16%
59	$61	$115	$1,386	9%
60	$57	$101	$1,211	-13%
61	$64	$116	$1,390	15%
62	$63	$112	$1,342	-3%
63	$64	$116	$1,388	3%
64	$62	$111	$1,336	-4%
65	$59	$104	$1,249	-6%
66	$60	$112	$1,339	7%
67	$70	$129	$1,552	16%
68	$60	$109	$1,304	-16%
69	$64	$109	$1,307	0%
70	$54	$94	$1,132	-13%
71	$66	$132	$1,578	39%
72	$61	$110	$1,317	-17%
73	$63	$114	$1,368	4%
74	$61	$115	$1,385	1%
75	$55	$99	$1,185	-14%

Last Updated July 15, 2026

Key takeaway: Kansas rates are below average across most age groups. Kansas-based 16-year-olds average $305/mo and rates fall to $104/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 $477 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

16	$264	$477	$5,724	–
17	$299	$497	$5,966	4%
18	$252	$446	$5,353	-10%
19	$231	$490	$5,875	10%
20	$227	$489	$5,867	-0%
21	$211	$432	$5,182	-12%
22	$186	$387	$4,649	-10%
23	$169	$350	$4,204	-10%
24	$163	$343	$4,118	-2%
25	$162	$327	$3,919	-5%
26	$169	$351	$4,215	8%
27	$150	$305	$3,659	-13%
28	$151	$322	$3,862	6%
29	$149	$310	$3,722	-4%
30	$139	$288	$3,461	-7%
31	$139	$313	$3,757	9%
32	$142	$291	$3,492	-7%
33	$138	$294	$3,530	1%
34	$133	$278	$3,332	-6%
35	$132	$284	$3,407	2%
36	$133	$287	$3,441	1%
37	$134	$293	$3,514	2%
38	$131	$291	$3,495	-1%
39	$129	$281	$3,375	-3%
40	$131	$288	$3,459	3%
41	$133	$313	$3,761	9%
42	$122	$265	$3,177	-16%
43	$121	$288	$3,457	9%
44	$121	$262	$3,139	-9%
45	$122	$269	$3,229	3%
46	$124	$266	$3,188	-1%
47	$126	$278	$3,338	5%
48	$117	$238	$2,859	-14%
49	$123	$276	$3,310	16%
50	$118	$244	$2,924	-12%
51	$117	$249	$2,989	2%
52	$114	$238	$2,861	-4%
53	$108	$233	$2,790	-2%
54	$111	$241	$2,888	4%
55	$114	$230	$2,763	-4%
56	$105	$217	$2,608	-6%
57	$106	$239	$2,863	10%
58	$106	$215	$2,583	-10%
59	$113	$236	$2,831	10%
60	$109	$236	$2,838	0%
61	$106	$225	$2,696	-5%
62	$107	$226	$2,706	0%
63	$108	$234	$2,809	4%
64	$110	$226	$2,707	-4%
65	$108	$234	$2,813	4%
66	$104	$201	$2,408	-14%
67	$105	$212	$2,541	6%
68	$98	$191	$2,292	-10%
69	$106	$221	$2,648	16%
70	$110	$243	$2,920	10%
71	$113	$255	$3,063	5%
72	$111	$210	$2,519	-18%
73	$113	$241	$2,890	15%
74	$100	$198	$2,382	-18%
75	$108	$213	$2,552	7%

Last Updated July 15, 2026

Key takeaway: Kentucky’s no-fault PIP requirement adds cost at every age, and 16-year-olds average $477/mo. Rates stay above average statewide, reaching around $213/mo at 75

Louisiana

Louisiana consistently ranks among the most expensive states for car insurance in the country. Its 16-year-olds average $795 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

16	$406	$795	$9,546	–
17	$257	$477	$5,719	-40%
18	$297	$554	$6,644	16%
19	$250	$509	$6,102	-8%
20	$238	$493	$5,916	-3%
21	$200	$421	$5,047	-15%
22	$187	$383	$4,591	-9%
23	$174	$349	$4,186	-9%
24	$166	$327	$3,930	-6%
25	$146	$305	$3,658	-7%
26	$148	$294	$3,524	-4%
27	$133	$290	$3,476	-1%
28	$131	$279	$3,350	-4%
29	$127	$278	$3,337	-0%
30	$128	$271	$3,247	-3%
31	$127	$273	$3,275	1%
32	$130	$278	$3,337	2%
33	$130	$276	$3,315	-1%
34	$131	$302	$3,626	9%
35	$125	$292	$3,509	-3%
36	$122	$270	$3,241	-8%
37	$125	$277	$3,322	2%
38	$112	$249	$2,986	-10%
39	$122	$271	$3,246	9%
40	$112	$257	$3,084	-5%
41	$114	$254	$3,042	-1%
42	$112	$249	$2,983	-2%
43	$118	$265	$3,183	7%
44	$124	$279	$3,345	5%
45	$106	$234	$2,808	-16%
46	$115	$263	$3,160	13%
47	$108	$247	$2,966	-6%
48	$115	$258	$3,101	5%
49	$110	$245	$2,942	-5%
50	$109	$237	$2,840	-3%
51	$123	$278	$3,341	18%
52	$100	$231	$2,775	-17%
53	$106	$237	$2,848	3%
54	$107	$233	$2,790	-2%
55	$106	$240	$2,884	3%
56	$88	$197	$2,367	-18%
57	$98	$216	$2,587	9%
58	$96	$215	$2,585	-0%
59	$89	$199	$2,390	-8%
60	$96	$229	$2,742	15%
61	$94	$214	$2,569	-6%
62	$89	$200	$2,405	-6%
63	$97	$212	$2,540	6%
64	$101	$213	$2,553	1%
65	$101	$224	$2,694	6%
66	$96	$203	$2,442	-9%
67	$92	$192	$2,309	-5%
68	$106	$215	$2,574	11%
69	$101	$219	$2,628	2%
70	$88	$191	$2,291	-13%
71	$98	$200	$2,405	5%
72	$93	$200	$2,397	-0%
73	$109	$221	$2,658	11%
74	$100	$212	$2,549	-4%
75	$99	$222	$2,669	5%

Last Updated July 15, 2026

Key takeaway: Louisiana 16-year-olds average $795/mo, one of the highest in the country. High litigation and weather costs keep rates elevated at every age, reaching $222/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 $411 per month. By 30, that falls to just $128 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

17	$272	$411	$4,928	–
18	$184	$306	$3,670	-26%
19	$166	$287	$3,440	-6%
20	$171	$279	$3,350	-3%
21	$126	$232	$2,783	-17%
22	$102	$184	$2,205	-21%
23	$88	$161	$1,927	-13%
24	$92	$172	$2,065	7%
25	$81	$138	$1,662	-20%
26	$78	$142	$1,709	3%
27	$80	$143	$1,712	0%
28	$89	$142	$1,705	-0%
29	$80	$130	$1,565	-8%
30	$75	$128	$1,530	-2%
31	$76	$123	$1,482	-3%
32	$56	$103	$1,235	-17%
33	$68	$125	$1,505	22%
34	$70	$122	$1,469	-2%
35	$66	$119	$1,426	-3%
36	$70	$115	$1,378	-3%
37	$62	$108	$1,297	-6%
38	$66	$109	$1,311	1%
39	$58	$117	$1,404	7%
40	$73	$114	$1,373	-2%
41	$66	$120	$1,436	5%
42	$61	$99	$1,183	-18%
43	$64	$113	$1,353	14%
44	$54	$102	$1,229	-9%
45	$64	$101	$1,207	-2%
46	$60	$109	$1,302	8%
47	$54	$101	$1,211	-7%
48	$53	$89	$1,071	-12%
49	$52	$93	$1,120	5%
50	$55	$101	$1,207	8%
51	$51	$92	$1,100	-9%
52	$54	$92	$1,107	1%
53	$46	$82	$987	-11%
54	$59	$111	$1,328	34%
55	$59	$93	$1,111	-16%
56	$46	$78	$932	-16%
57	$49	$82	$978	5%
58	$58	$96	$1,146	17%
59	$51	$101	$1,207	5%
60	$43	$80	$954	-21%
61	$52	$85	$1,026	8%
62	$48	$89	$1,062	4%
63	$43	$72	$865	-19%
64	$46	$80	$965	12%
65	$48	$82	$985	2%
66	$40	$67	$798	-19%
67	$46	$74	$883	11%
68	$40	$65	$778	-12%
69	$47	$85	$1,022	31%
70	$41	$72	$861	-16%
71	$37	$68	$821	-5%
72	$50	$78	$932	13%
73	$49	$74	$892	-4%
74	$40	$68	$820	-8%
75	$41	$65	$786	-4%

Last Updated July 15, 2026

Key takeaway: Maine offers some of the lowest rates in New England. By 30, the average is just $128/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 $954 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

16	$403	$954	$11,442	–
17	$439	$898	$10,775	-6%
18	$389	$789	$9,472	-12%
19	$332	$649	$7,790	-18%
20	$317	$617	$7,409	-5%
21	$295	$567	$6,807	-8%
22	$245	$484	$5,808	-15%
23	$242	$467	$5,605	-3%
24	$228	$433	$5,197	-7%
25	$224	$424	$5,092	-2%
26	$204	$385	$4,623	-9%
27	$202	$369	$4,431	-4%
28	$196	$360	$4,320	-3%
29	$197	$361	$4,329	0%
30	$200	$353	$4,232	-2%
31	$198	$342	$4,107	-3%
32	$183	$326	$3,909	-5%
33	$182	$327	$3,923	0%
34	$179	$323	$3,873	-1%
35	$185	$334	$4,002	3%
36	$184	$332	$3,984	-0%
37	$179	$326	$3,911	-2%
38	$195	$347	$4,162	6%
39	$173	$305	$3,659	-12%
40	$178	$307	$3,681	1%
41	$170	$320	$3,845	4%
42	$156	$296	$3,550	-8%
43	$169	$313	$3,758	6%
44	$162	$289	$3,466	-8%
45	$164	$280	$3,365	-3%
46	$162	$319	$3,834	14%
47	$156	$273	$3,278	-15%
48	$156	$274	$3,287	0%
49	$154	$271	$3,254	-1%
50	$165	$291	$3,490	7%
51	$146	$257	$3,087	-12%
52	$163	$275	$3,297	7%
53	$144	$246	$2,948	-11%
54	$154	$279	$3,347	14%
55	$150	$270	$3,245	-3%
56	$138	$254	$3,052	-6%
57	$143	$260	$3,123	2%
58	$142	$240	$2,881	-8%
59	$146	$263	$3,161	10%
60	$144	$268	$3,220	2%
61	$130	$238	$2,856	-11%
62	$138	$243	$2,919	2%
63	$132	$242	$2,901	-1%
64	$150	$266	$3,190	10%
65	$143	$248	$2,973	-7%
66	$141	$239	$2,866	-4%
67	$142	$251	$3,016	5%
68	$142	$242	$2,910	-4%
69	$140	$268	$3,220	11%
70	$131	$235	$2,815	-13%
71	$159	$279	$3,347	19%
72	$136	$250	$3,005	-10%
73	$143	$272	$3,267	9%
74	$138	$272	$3,261	-0%
75	$109	$223	$2,678	-18%

Last Updated July 15, 2026

Key takeaway: Maryland 16-year-olds average over $954/mo, among the highest nationally. Rates improve with age but stay elevated. By 65, the average is $248/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 $433 per month, and rates fall to $144 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

16	$344	$433	$5,195	–
17	$383	$629	$7,550	45%
18	$360	$537	$6,439	-15%
19	$342	$543	$6,513	1%
20	$292	$496	$5,958	-9%
21	$278	$504	$6,045	1%
22	$247	$444	$5,323	-12%
23	$212	$384	$4,605	-13%
24	$200	$369	$4,433	-4%
25	$180	$358	$4,294	-3%
26	$179	$337	$4,044	-6%
27	$172	$343	$4,117	2%
28	$166	$324	$3,888	-6%
29	$154	$295	$3,537	-9%
30	$151	$287	$3,439	-3%
31	$149	$277	$3,318	-4%
32	$148	$270	$3,244	-2%
33	$131	$261	$3,127	-4%
34	$134	$248	$2,973	-5%
35	$137	$254	$3,045	2%
36	$132	$253	$3,037	-0%
37	$125	$216	$2,596	-15%
38	$128	$225	$2,706	4%
39	$126	$235	$2,819	4%
40	$120	$214	$2,562	-9%
41	$117	$217	$2,600	1%
42	$117	$218	$2,612	0%
43	$117	$223	$2,681	3%
44	$119	$212	$2,550	-5%
45	$118	$214	$2,574	1%
46	$117	$215	$2,585	0%
47	$108	$189	$2,268	-12%
48	$114	$194	$2,325	3%
49	$108	$187	$2,245	-3%
50	$108	$182	$2,189	-2%
51	$106	$181	$2,173	-1%
52	$112	$191	$2,288	5%
53	$107	$191	$2,293	0%
54	$100	$188	$2,259	-2%
55	$101	$192	$2,308	2%
56	$100	$179	$2,147	-7%
57	$100	$174	$2,093	-3%
58	$105	$189	$2,268	8%
59	$92	$171	$2,046	-10%
60	$91	$166	$1,995	-3%
61	$92	$163	$1,960	-2%
62	$90	$163	$1,950	-1%
63	$85	$157	$1,887	-3%
64	$90	$173	$2,076	10%
65	$79	$144	$1,729	-17%
66	$76	$154	$1,843	7%
67	$79	$134	$1,606	-13%
68	$75	$149	$1,792	12%
69	$77	$141	$1,691	-6%
70	$84	$153	$1,836	9%
71	$84	$145	$1,744	-5%
72	$77	$137	$1,641	-6%
73	$68	$124	$1,483	-10%
74	$86	$142	$1,710	15%
75	$94	$129	$1,547	-10%

Last Updated July 15, 2026

Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $433/mo. Rates drop significantly with age, reaching $144/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 $565 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

16	$272	$565	$6,780	–
17	$259	$455	$5,455	-20%
18	$253	$497	$5,963	9%
19	$226	$444	$5,328	-11%
20	$201	$395	$4,742	-11%
21	$181	$357	$4,280	-10%
22	$153	$302	$3,627	-15%
23	$156	$309	$3,703	2%
24	$150	$290	$3,481	-6%
25	$143	$284	$3,411	-2%
26	$133	$256	$3,070	-10%
27	$138	$263	$3,151	3%
28	$132	$254	$3,045	-3%
29	$132	$246	$2,953	-3%
30	$132	$251	$3,010	2%
31	$130	$255	$3,057	2%
32	$130	$235	$2,823	-8%
33	$124	$227	$2,721	-4%
34	$123	$233	$2,797	3%
35	$130	$253	$3,042	9%
36	$128	$241	$2,889	-5%
37	$127	$238	$2,854	-1%
38	$118	$219	$2,629	-8%
39	$122	$243	$2,915	11%
40	$119	$223	$2,677	-8%
41	$120	$215	$2,577	-4%
42	$124	$226	$2,714	5%
43	$125	$228	$2,740	1%
44	$120	$224	$2,684	-2%
45	$119	$228	$2,731	2%
46	$121	$230	$2,762	1%
47	$121	$227	$2,722	-1%
48	$118	$217	$2,606	-4%
49	$127	$233	$2,794	7%
50	$118	$227	$2,722	-3%
51	$123	$238	$2,857	5%
52	$118	$227	$2,728	-5%
53	$121	$225	$2,706	-1%
54	$118	$226	$2,715	0%
55	$114	$230	$2,765	2%
56	$116	$217	$2,606	-6%
57	$113	$219	$2,630	1%
58	$108	$206	$2,475	-6%
59	$110	$212	$2,539	3%
60	$113	$216	$2,587	2%
61	$104	$202	$2,421	-6%
62	$105	$199	$2,383	-2%
63	$102	$197	$2,366	-1%
64	$101	$185	$2,215	-6%
65	$99	$199	$2,389	8%
66	$102	$195	$2,337	-2%
67	$105	$201	$2,414	3%
68	$104	$203	$2,441	1%
69	$95	$190	$2,280	-7%
70	$101	$190	$2,283	0%
71	$110	$225	$2,704	18%
72	$96	$189	$2,266	-16%
73	$105	$202	$2,420	7%
74	$103	$192	$2,305	-5%
75	$101	$201	$2,416	5%

Last Updated July 15, 2026

Key takeaway: Michigan rates are above average at every age due to PIP requirements; 16-year-olds average $565/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 $323 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

16	$197	$323	$3,881	–
17	$238	$453	$5,432	40%
18	$228	$435	$5,215	-4%
19	$215	$412	$4,948	-5%
20	$164	$317	$3,808	-23%
21	$122	$252	$3,027	-21%
22	$125	$250	$3,005	-1%
23	$115	$218	$2,613	-13%
24	$111	$203	$2,432	-7%
25	$107	$202	$2,419	-1%
26	$108	$202	$2,421	0%
27	$111	$198	$2,378	-2%
28	$103	$194	$2,328	-2%
29	$102	$199	$2,390	3%
30	$114	$211	$2,526	6%
31	$88	$168	$2,015	-20%
32	$94	$178	$2,139	6%
33	$107	$205	$2,455	15%
34	$93	$188	$2,254	-8%
35	$93	$167	$2,010	-11%
36	$94	$172	$2,068	3%
37	$93	$178	$2,141	4%
38	$93	$166	$1,992	-7%
39	$95	$161	$1,928	-3%
40	$93	$161	$1,938	1%
41	$85	$163	$1,959	1%
42	$86	$147	$1,768	-10%
43	$85	$150	$1,798	2%
44	$88	$155	$1,856	3%
45	$84	$155	$1,855	-0%
46	$83	$145	$1,738	-6%
47	$89	$158	$1,900	9%
48	$84	$152	$1,821	-4%
49	$81	$147	$1,768	-3%
50	$82	$132	$1,589	-10%
51	$85	$150	$1,798	13%
52	$82	$148	$1,779	-1%
53	$89	$159	$1,910	7%
54	$83	$151	$1,816	-5%
55	$78	$141	$1,691	-7%
56	$77	$141	$1,689	-0%
57	$70	$126	$1,513	-10%
58	$68	$118	$1,414	-7%
59	$73	$130	$1,558	10%
60	$69	$121	$1,458	-6%
61	$76	$118	$1,421	-2%
62	$61	$112	$1,350	-5%
63	$72	$118	$1,412	5%
64	$59	$107	$1,286	-9%
65	$59	$105	$1,263	-2%
66	$56	$96	$1,154	-9%
67	$73	$114	$1,367	18%
68	$57	$98	$1,175	-14%
69	$71	$127	$1,522	30%
70	$68	$115	$1,375	-10%
71	$79	$131	$1,567	14%
72	$69	$136	$1,634	4%
73	$66	$98	$1,182	-28%
74	$67	$122	$1,464	24%
75	$69	$113	$1,360	-7%

Last Updated July 15, 2026

Key takeaway: Minnesota’s no-fault PIP requirement adds cost at every age; 16-year-olds average $323/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 15% at age 18 and continue rising through age 20, peaking at $356 per month before falling sharply. Mississippi-based 16-year-olds start at $300 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

16	$179	$300	$3,599	–
17	$145	$287	$3,448	-4%
18	$164	$330	$3,966	15%
19	$153	$375	$4,505	14%
20	$144	$356	$4,278	-5%
21	$120	$316	$3,791	-11%
22	$121	$310	$3,718	-2%
23	$110	$267	$3,207	-14%
24	$106	$252	$3,024	-6%
25	$100	$251	$3,016	-0%
26	$94	$245	$2,936	-3%
27	$97	$242	$2,907	-1%
28	$94	$249	$2,988	3%
29	$87	$214	$2,564	-14%
30	$84	$200	$2,405	-6%
31	$84	$235	$2,817	17%
32	$85	$214	$2,566	-9%
33	$85	$234	$2,809	9%
34	$82	$209	$2,505	-11%
35	$87	$221	$2,655	6%
36	$79	$206	$2,472	-7%
37	$79	$198	$2,381	-4%
38	$84	$204	$2,445	3%
39	$80	$208	$2,493	2%
40	$77	$192	$2,308	-7%
41	$76	$210	$2,521	9%
42	$76	$198	$2,380	-6%
43	$82	$201	$2,417	2%
44	$78	$198	$2,377	-2%
45	$77	$201	$2,415	2%
46	$77	$202	$2,424	0%
47	$77	$204	$2,452	1%
48	$73	$191	$2,294	-6%
49	$72	$174	$2,087	-9%
50	$74	$174	$2,091	0%
51	$70	$189	$2,262	8%
52	$71	$181	$2,174	-4%
53	$69	$162	$1,942	-11%
54	$70	$162	$1,948	0%
55	$68	$167	$2,001	3%
56	$71	$169	$2,028	1%
57	$68	$158	$1,890	-7%
58	$63	$155	$1,858	-2%
59	$72	$174	$2,092	13%
60	$65	$139	$1,667	-20%
61	$65	$147	$1,765	6%
62	$71	$165	$1,975	12%
63	$66	$144	$1,726	-13%
64	$67	$163	$1,957	13%
65	$64	$142	$1,708	-13%
66	$65	$143	$1,721	1%
67	$60	$129	$1,545	-10%
68	$63	$132	$1,584	2%
69	$64	$144	$1,723	9%
70	$65	$138	$1,658	-4%
71	$69	$139	$1,664	0%
72	$72	$167	$1,999	20%
73	$68	$188	$2,261	13%
74	$77	$214	$2,565	13%
75	$70	$174	$2,083	-19%

Last Updated July 15, 2026

Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $356/mo at age 20. After that, rates decline steadily, reaching $142/mo by age 65.

Missouri

Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $487 and $406 per month between ages 16 and 20. The overall trend is downward, and by 30 the average settles to a more consistent $237 per month.

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

16	$294	$487	$5,843	–
17	$221	$385	$4,614	-21%
18	$244	$481	$5,768	25%
19	$221	$407	$4,880	-15%
20	$208	$406	$4,869	-0%
21	$180	$347	$4,161	-15%
22	$160	$317	$3,801	-9%
23	$149	$282	$3,388	-11%
24	$140	$261	$3,135	-7%
25	$141	$275	$3,298	5%
26	$136	$255	$3,056	-7%
27	$135	$253	$3,032	-1%
28	$122	$227	$2,726	-10%
29	$128	$248	$2,981	9%
30	$127	$237	$2,839	-5%
31	$118	$234	$2,803	-1%
32	$123	$239	$2,872	2%
33	$117	$215	$2,583	-10%
34	$121	$234	$2,813	9%
35	$116	$215	$2,579	-8%
36	$113	$218	$2,619	2%
37	$114	$216	$2,593	-1%
38	$118	$221	$2,657	2%
39	$110	$210	$2,526	-5%
40	$117	$217	$2,604	3%
41	$111	$209	$2,512	-4%
42	$106	$207	$2,484	-1%
43	$106	$197	$2,364	-5%
44	$109	$201	$2,416	2%
45	$109	$205	$2,465	2%
46	$102	$195	$2,339	-5%
47	$109	$196	$2,358	1%
48	$101	$198	$2,372	1%
49	$103	$191	$2,294	-3%
50	$100	$194	$2,324	1%
51	$97	$185	$2,218	-5%
52	$104	$202	$2,419	9%
53	$93	$166	$1,991	-18%
54	$97	$180	$2,155	8%
55	$97	$177	$2,127	-1%
56	$84	$168	$2,018	-5%
57	$91	$171	$2,052	2%
58	$86	$164	$1,963	-4%
59	$91	$170	$2,038	4%
60	$88	$169	$2,028	-0%
61	$91	$173	$2,072	2%
62	$86	$160	$1,917	-7%
63	$90	$176	$2,116	10%
64	$87	$163	$1,954	-8%
65	$82	$156	$1,874	-4%
66	$89	$171	$2,050	9%
67	$79	$159	$1,911	-7%
68	$84	$156	$1,875	-2%
69	$86	$160	$1,918	2%
70	$82	$155	$1,861	-3%
71	$92	$180	$2,162	16%
72	$89	$158	$1,893	-12%
73	$95	$180	$2,155	14%
74	$70	$125	$1,506	-30%
75	$85	$144	$1,729	15%

Last Updated July 15, 2026

Key takeaway: Missouri teen rates are volatile year to year but trend downward. By 30 the average is $237/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 $228 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

16	$157	$228	$2,740	–
17	$113	$210	$2,522	-8%
18	$113	$201	$2,407	-5%
19	$124	$214	$2,569	7%
20	$86	$190	$2,274	-11%
21	$83	$153	$1,834	-19%
22	$79	$187	$2,240	22%
23	$70	$128	$1,532	-32%
24	$76	$146	$1,747	14%
25	$72	$141	$1,690	-3%
26	$63	$134	$1,603	-5%
27	$68	$132	$1,585	-1%
28	$67	$141	$1,690	7%
29	$70	$142	$1,708	1%
30	$72	$150	$1,795	5%
31	$60	$124	$1,486	-17%
32	$76	$166	$1,990	34%
33	$67	$126	$1,509	-24%
34	$60	$128	$1,531	1%
35	$73	$141	$1,691	10%
36	$68	$119	$1,425	-16%
37	$60	$126	$1,514	6%
38	$58	$118	$1,410	-7%
39	$68	$147	$1,761	25%
40	$60	$131	$1,569	-11%
41	$65	$147	$1,759	12%
42	$66	$125	$1,499	-15%
43	$63	$136	$1,631	9%
44	$64	$118	$1,422	-13%
45	$66	$118	$1,414	-1%
46	$60	$118	$1,417	0%
47	$54	$116	$1,392	-2%
48	$66	$118	$1,418	2%
49	$61	$112	$1,342	-5%
50	$64	$119	$1,431	7%
51	$61	$104	$1,250	-13%
52	$70	$125	$1,502	20%
53	$62	$122	$1,468	-2%
54	$59	$107	$1,280	-13%
55	$56	$104	$1,243	-3%
56	$65	$117	$1,405	13%
57	$50	$96	$1,148	-18%
58	$63	$126	$1,510	31%
59	$54	$105	$1,256	-17%
60	$56	$98	$1,179	-6%
61	$55	$105	$1,265	7%
62	$54	$101	$1,218	-4%
63	$52	$97	$1,159	-5%
64	$51	$97	$1,168	1%
65	$60	$114	$1,371	17%
66	$58	$112	$1,346	-2%
67	$47	$83	$992	-26%
68	$46	$96	$1,157	17%
69	$47	$89	$1,072	-7%
70	$53	$98	$1,171	9%
71	$55	$92	$1,104	-6%
72	$49	$95	$1,136	3%
73	$58	$99	$1,186	4%
74	$78	$172	$2,069	74%
75	$56	$107	$1,281	-38%

Last Updated July 15, 2026

Key takeaway: Montana is among the most affordable states in the country. The data starts at 17 ($228/mo). After a spike in the early 20s, rates decline consistently, reaching around $172/mo by 75.

Nebraska

Nebraska rates are below the national average for most age groups; for instance, its 16-year-olds average $264 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

16	$145	$264	$3,162	–
17	$268	$386	$4,636	47%
18	$195	$372	$4,461	-4%
19	$161	$297	$3,563	-20%
20	$161	$315	$3,776	6%
21	$123	$258	$3,101	-18%
22	$122	$228	$2,731	-12%
23	$97	$214	$2,564	-6%
24	$117	$228	$2,738	7%
25	$99	$192	$2,310	-16%
26	$98	$183	$2,201	-5%
27	$100	$208	$2,493	13%
28	$88	$172	$2,065	-17%
29	$100	$200	$2,401	16%
30	$84	$180	$2,154	-10%
31	$77	$146	$1,748	-19%
32	$81	$159	$1,902	9%
33	$92	$187	$2,243	18%
34	$82	$168	$2,012	-10%
35	$80	$160	$1,920	-5%
36	$70	$148	$1,774	-8%
37	$81	$175	$2,095	18%
38	$87	$175	$2,103	0%
39	$79	$167	$1,998	-5%
40	$80	$170	$2,037	2%
41	$79	$183	$2,193	8%
42	$72	$151	$1,811	-17%
43	$81	$160	$1,926	6%
44	$73	$134	$1,607	-17%
45	$77	$186	$2,229	39%
46	$75	$149	$1,786	-20%
47	$71	$139	$1,672	-6%
48	$70	$156	$1,875	12%
49	$64	$141	$1,696	-10%
50	$80	$162	$1,943	15%
51	$64	$129	$1,547	-20%
52	$66	$128	$1,536	-1%
53	$62	$114	$1,365	-11%
54	$77	$145	$1,737	27%
55	$57	$123	$1,477	-15%
56	$61	$124	$1,492	1%
57	$50	$100	$1,199	-20%
58	$72	$150	$1,796	50%
59	$64	$125	$1,496	-17%
60	$58	$116	$1,397	-7%
61	$56	$120	$1,443	3%
62	$66	$124	$1,482	3%
63	$55	$116	$1,396	-6%
64	$57	$119	$1,423	2%
65	$58	$127	$1,525	7%
66	$44	$95	$1,145	-25%
67	$112	$250	$2,999	162%
68	$73	$147	$1,769	-41%
69	$57	$114	$1,369	-23%
70	$60	$111	$1,331	-3%
71	$54	$101	$1,217	-9%
72	$52	$100	$1,204	-1%
73	$86	$167	$1,999	66%
74	$70	$158	$1,892	-5%
75	$71	$116	$1,392	-26%

Last Updated July 15, 2026

Key takeaway: Nebraska 16-year-olds average $264/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 $907 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

16	$562	$907	$10,879	–
17	$382	$716	$8,590	-21%
18	$406	$740	$8,874	3%
19	$464	$817	$9,804	10%
20	$364	$676	$8,108	-17%
21	$321	$593	$7,117	-12%
22	$302	$543	$6,515	-8%
23	$269	$505	$6,060	-7%
24	$244	$459	$5,505	-9%
25	$224	$423	$5,075	-8%
26	$213	$399	$4,794	-6%
27	$210	$396	$4,751	-1%
28	$209	$398	$4,774	0%
29	$210	$387	$4,638	-3%
30	$203	$386	$4,633	-0%
31	$198	$375	$4,504	-3%
32	$190	$360	$4,324	-4%
33	$191	$366	$4,386	1%
34	$201	$374	$4,483	2%
35	$193	$357	$4,289	-4%
36	$190	$359	$4,310	1%
37	$186	$358	$4,293	-0%
38	$187	$345	$4,135	-4%
39	$184	$344	$4,125	-0%
40	$181	$342	$4,101	-1%
41	$175	$345	$4,137	1%
42	$175	$340	$4,085	-1%
43	$176	$336	$4,028	-1%
44	$184	$344	$4,131	3%
45	$179	$345	$4,144	0%
46	$167	$316	$3,797	-8%
47	$172	$338	$4,052	7%
48	$174	$342	$4,102	1%
49	$167	$322	$3,859	-6%
50	$170	$323	$3,878	1%
51	$165	$313	$3,759	-3%
52	$171	$322	$3,864	3%
53	$164	$325	$3,894	1%
54	$165	$313	$3,756	-4%
55	$162	$306	$3,670	-2%
56	$159	$302	$3,629	-1%
57	$160	$296	$3,550	-2%
58	$146	$276	$3,315	-7%
59	$143	$262	$3,141	-5%
60	$145	$268	$3,220	3%
61	$158	$282	$3,386	5%
62	$159	$288	$3,461	2%
63	$151	$287	$3,446	-0%
64	$142	$264	$3,167	-8%
65	$147	$272	$3,261	3%
66	$156	$282	$3,384	4%
67	$156	$285	$3,426	1%
68	$155	$287	$3,450	1%
69	$162	$307	$3,686	7%
70	$161	$297	$3,559	-3%
71	$133	$249	$2,994	-16%
72	$156	$285	$3,414	14%
73	$156	$283	$3,401	-0%
74	$156	$292	$3,509	3%
75	$162	$303	$3,639	4%

Last Updated July 15, 2026

Key takeaway: Nevada 16-year-olds average over $907/mo, among the highest nationally. Las Vegas keeps rates elevated at every age. Even at 65, Nevada drivers average $272/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 $291 per month, below the national average for teens, and by 25 rates fall to just $133 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

16	$159	$291	$3,491	–
17	$235	$382	$4,586	31%
18	$172	$288	$3,459	-25%
19	$214	$349	$4,182	21%
20	$147	$246	$2,957	-29%
21	$104	$169	$2,032	-31%
22	$106	$175	$2,099	3%
23	$74	$135	$1,615	-23%
24	$86	$153	$1,837	14%
25	$79	$133	$1,598	-13%
26	$74	$129	$1,551	-3%
27	$74	$123	$1,478	-5%
28	$71	$133	$1,599	8%
29	$59	$96	$1,154	-28%
30	$54	$100	$1,197	4%
31	$76	$120	$1,446	21%
32	$60	$106	$1,269	-12%
33	$63	$117	$1,406	11%
34	$57	$103	$1,234	-12%
35	$72	$118	$1,421	15%
36	$49	$100	$1,198	-16%
37	$64	$107	$1,282	7%
38	$62	$98	$1,172	-9%
39	$56	$97	$1,161	-1%
40	$60	$101	$1,214	5%
41	$57	$105	$1,265	4%
42	$68	$136	$1,629	29%
43	$61	$111	$1,327	-19%
44	$66	$104	$1,254	-6%
45	$55	$97	$1,159	-8%
46	$52	$93	$1,113	-4%
47	$47	$90	$1,080	-3%
48	$56	$92	$1,099	2%
49	$63	$95	$1,145	4%
50	$48	$81	$975	-15%
51	$50	$91	$1,087	12%
52	$48	$74	$885	-19%
53	$48	$82	$986	11%
54	$51	$93	$1,112	13%
55	$56	$103	$1,235	11%
56	$43	$69	$823	-33%
57	$55	$103	$1,233	50%
58	$45	$80	$954	-23%
59	$41	$64	$774	-19%
60	$49	$95	$1,145	48%
61	$48	$82	$987	-14%
62	$41	$77	$927	-6%
63	$45	$86	$1,028	11%
64	$60	$118	$1,412	37%
65	$41	$67	$802	-43%
66	$50	$87	$1,038	29%
67	$49	$85	$1,024	-1%
68	$36	$63	$753	-26%
69	$38	$72	$866	15%
70	$44	$77	$924	7%
71	$45	$75	$903	-2%
72	$49	$86	$1,032	14%
73	$38	$62	$746	-28%
74	$40	$75	$897	20%
75	$60	$92	$1,106	23%

Last Updated July 15, 2026

Key takeaway: New Hampshire is the only state without a mandatory insurance requirement. Here, rates for 16-year-olds average $291/mo, and rates fall sharply to $133/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 $1,003 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $228 per month.

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

17	$597	$1,003	$12,033	–
18	$552	$893	$10,715	-11%
19	$474	$772	$9,268	-14%
20	$371	$609	$7,305	-21%
21	$287	$489	$5,870	-20%
22	$268	$446	$5,348	-9%
23	$241	$396	$4,755	-11%
24	$228	$390	$4,678	-2%
25	$208	$354	$4,251	-9%
26	$208	$358	$4,297	1%
27	$198	$337	$4,046	-6%
28	$200	$337	$4,049	0%
29	$201	$339	$4,065	0%
30	$187	$311	$3,737	-8%
31	$189	$318	$3,813	2%
32	$190	$316	$3,791	-1%
33	$178	$301	$3,614	-5%
34	$193	$309	$3,703	2%
35	$178	$298	$3,571	-4%
36	$175	$297	$3,561	-0%
37	$176	$297	$3,565	0%
38	$176	$291	$3,493	-2%
39	$189	$319	$3,828	10%
40	$183	$299	$3,585	-6%
41	$177	$295	$3,536	-1%
42	$175	$302	$3,625	3%
43	$171	$288	$3,453	-5%
44	$172	$288	$3,452	-0%
45	$168	$280	$3,366	-3%
46	$172	$290	$3,484	4%
47	$176	$298	$3,580	3%
48	$160	$272	$3,259	-9%
49	$181	$305	$3,657	12%
50	$172	$286	$3,431	-6%
51	$157	$270	$3,245	-5%
52	$163	$278	$3,336	3%
53	$146	$261	$3,133	-6%
54	$159	$264	$3,165	1%
55	$155	$257	$3,086	-2%
56	$145	$256	$3,076	-0%
57	$152	$265	$3,177	3%
58	$154	$253	$3,036	-4%
59	$147	$257	$3,088	2%
60	$148	$250	$3,005	-3%
61	$147	$246	$2,953	-2%
62	$146	$242	$2,904	-2%
63	$135	$225	$2,698	-7%
64	$130	$227	$2,725	1%
65	$145	$228	$2,735	0%
66	$148	$231	$2,768	1%
67	$141	$228	$2,731	-1%
68	$145	$232	$2,780	2%
69	$147	$231	$2,770	-0%
70	$144	$226	$2,709	-2%
71	$143	$228	$2,732	1%
72	$148	$233	$2,796	2%
73	$143	$220	$2,634	-6%
74	$151	$237	$2,843	8%
75	$138	$222	$2,662	-6%

Last Updated July 15, 2026

Key takeaway: New Jersey 17-year-olds average $1,003 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $228/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 13% to $227 per month. By 65, the average reaches $95 per month.

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

16	$234	$359	$4,310	–
17	$199	$347	$4,168	-3%
18	$138	$256	$3,069	-26%
19	$151	$337	$4,048	32%
20	$128	$261	$3,130	-23%
21	$127	$227	$2,720	-13%
22	$98	$178	$2,134	-22%
23	$99	$173	$2,082	-2%
24	$87	$153	$1,840	-12%
25	$80	$142	$1,700	-8%
26	$80	$144	$1,731	2%
27	$81	$157	$1,885	9%
28	$69	$134	$1,605	-15%
29	$69	$143	$1,720	7%
30	$72	$138	$1,659	-4%
31	$71	$134	$1,611	-3%
32	$60	$118	$1,419	-12%
33	$72	$141	$1,687	19%
34	$68	$125	$1,503	-11%
35	$65	$119	$1,429	-5%
36	$70	$136	$1,635	14%
37	$71	$127	$1,518	-7%
38	$68	$125	$1,506	-1%
39	$64	$123	$1,475	-2%
40	$68	$119	$1,424	-3%
41	$63	$128	$1,534	8%
42	$68	$124	$1,483	-3%
43	$66	$126	$1,515	2%
44	$72	$123	$1,479	-2%
45	$62	$121	$1,447	-2%
46	$62	$113	$1,362	-6%
47	$64	$117	$1,407	3%
48	$68	$125	$1,499	7%
49	$62	$113	$1,351	-10%
50	$60	$111	$1,337	-1%
51	$63	$125	$1,506	13%
52	$56	$102	$1,221	-19%
53	$64	$122	$1,461	20%
54	$56	$110	$1,317	-10%
55	$62	$111	$1,335	1%
56	$58	$105	$1,262	-5%
57	$54	$110	$1,315	4%
58	$56	$103	$1,241	-6%
59	$54	$101	$1,210	-3%
60	$58	$112	$1,347	11%
61	$54	$97	$1,167	-13%
62	$54	$100	$1,195	2%
63	$70	$125	$1,501	26%
64	$59	$97	$1,164	-22%
65	$55	$95	$1,136	-2%
66	$64	$102	$1,223	8%
67	$52	$97	$1,163	-5%
68	$61	$106	$1,273	9%
69	$48	$90	$1,081	-15%
70	$45	$87	$1,042	-4%
71	$55	$102	$1,219	17%
72	$62	$112	$1,348	11%
73	$54	$109	$1,310	-3%
74	$54	$97	$1,168	-11%
75	$74	$140	$1,678	44%

Last Updated July 15, 2026

Key takeaway: New Mexico rates are near the national average. The steepest drop is at 21 (13%). By 65, the average falls to $95/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 $1,298 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 $840 per month. By 30, it drops to $740 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $439 per month, and 75-year-olds average $440 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

16	$307	$1,298	$15,579	–
17	$513	$1,249	$14,986	-4%
18	$468	$1,096	$13,147	-12%
19	$478	$1,119	$13,429	2%
20	$431	$981	$11,769	-12%
21	$435	$1,003	$12,031	2%
22	$376	$914	$10,967	-9%
23	$369	$918	$11,018	0%
24	$338	$855	$10,254	-7%
25	$321	$840	$10,082	-2%
26	$313	$814	$9,770	-3%
27	$300	$762	$9,143	-6%
28	$267	$739	$8,866	-3%
29	$286	$765	$9,181	4%
30	$271	$740	$8,881	-3%
31	$261	$726	$8,718	-2%
32	$274	$744	$8,927	2%
33	$244	$668	$8,014	-10%
34	$239	$711	$8,534	6%
35	$254	$692	$8,305	-3%
36	$240	$686	$8,227	-1%
37	$210	$654	$7,847	-5%
38	$220	$636	$7,635	-3%
39	$224	$654	$7,848	3%
40	$221	$629	$7,543	-4%
41	$214	$634	$7,603	1%
42	$216	$656	$7,875	4%
43	$225	$623	$7,482	-5%
44	$209	$633	$7,600	2%
45	$185	$604	$7,243	-5%
46	$191	$613	$7,357	2%
47	$205	$601	$7,213	-2%
48	$192	$606	$7,275	1%
49	$195	$567	$6,807	-6%
50	$204	$594	$7,131	5%
51	$185	$561	$6,736	-6%
52	$178	$538	$6,451	-4%
53	$169	$544	$6,531	1%
54	$184	$550	$6,594	1%
55	$171	$521	$6,257	-5%
56	$162	$520	$6,235	-0%
57	$148	$477	$5,726	-8%
58	$172	$567	$6,805	19%
59	$154	$489	$5,872	-14%
60	$164	$493	$5,912	1%
61	$157	$471	$5,648	-4%
62	$162	$499	$5,990	6%
63	$138	$461	$5,533	-8%
64	$149	$471	$5,649	2%
65	$136	$439	$5,264	-7%
66	$145	$459	$5,506	5%
67	$143	$432	$5,189	-6%
68	$156	$464	$5,563	7%
69	$132	$411	$4,935	-11%
70	$135	$415	$4,983	1%
71	$139	$409	$4,909	-1%
72	$139	$396	$4,746	-3%
73	$162	$428	$5,138	8%
74	$190	$489	$5,871	14%
75	$148	$440	$5,280	-10%

Last Updated July 15, 2026

Key takeaway: New York has the highest rates in the dataset — for instance, New York’s 16-year-olds average $1,298/mo. Even 75-year-olds average $440/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 $372 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

16	$224	$372	$4,467	–
17	$218	$351	$4,209	-6%
18	$165	$293	$3,514	-17%
19	$151	$276	$3,315	-6%
20	$116	$242	$2,910	-12%
21	$103	$215	$2,581	-11%
22	$100	$213	$2,552	-1%
23	$85	$187	$2,244	-12%
24	$95	$201	$2,414	8%
25	$92	$188	$2,259	-6%
26	$89	$182	$2,181	-3%
27	$90	$187	$2,239	3%
28	$87	$169	$2,024	-10%
29	$90	$185	$2,217	10%
30	$83	$161	$1,931	-13%
31	$84	$170	$2,038	6%
32	$77	$158	$1,891	-7%
33	$80	$158	$1,898	0%
34	$79	$170	$2,042	8%
35	$76	$161	$1,931	-5%
36	$79	$164	$1,967	2%
37	$78	$153	$1,834	-7%
38	$76	$149	$1,790	-2%
39	$76	$154	$1,852	3%
40	$73	$158	$1,895	2%
41	$73	$146	$1,752	-8%
42	$73	$141	$1,694	-3%
43	$71	$136	$1,631	-4%
44	$68	$122	$1,466	-10%
45	$67	$121	$1,451	-1%
46	$73	$143	$1,712	18%
47	$69	$132	$1,587	-7%
48	$70	$132	$1,584	-0%
49	$71	$123	$1,482	-6%
50	$72	$134	$1,611	9%
51	$67	$125	$1,496	-7%
52	$67	$125	$1,504	1%
53	$70	$132	$1,587	6%
54	$67	$121	$1,458	-8%
55	$66	$113	$1,354	-7%
56	$63	$111	$1,335	-1%
57	$63	$109	$1,303	-2%
58	$64	$118	$1,413	8%
59	$62	$104	$1,250	-12%
60	$65	$109	$1,302	4%
61	$61	$105	$1,258	-3%
62	$66	$111	$1,328	6%
63	$64	$110	$1,319	-1%
64	$63	$109	$1,312	-1%
65	$60	$102	$1,219	-7%
66	$60	$100	$1,200	-2%
67	$60	$97	$1,166	-3%
68	$59	$95	$1,141	-2%
69	$58	$93	$1,113	-2%
70	$63	$102	$1,220	10%
71	$63	$103	$1,237	1%
72	$60	$98	$1,179	-5%
73	$62	$100	$1,205	2%
74	$62	$94	$1,125	-7%
75	$57	$92	$1,103	-2%

Last Updated July 15, 2026

Key takeaway: North Carolina’s regulated market keeps rates more predictable and below average. Here, rates for 16-year-olds average $372/mo. Rates decline to $92/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 $88 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

16	$116	$207	$2,480	–
17	$175	$198	$2,378	-4%
18	$142	$251	$3,016	27%
19	$129	$220	$2,640	-12%
20	$121	$205	$2,465	-7%
21	$107	$195	$2,338	-5%
22	$84	$139	$1,663	-29%
23	$72	$155	$1,865	12%
24	$93	$148	$1,773	-5%
25	$79	$143	$1,720	-3%
26	$78	$125	$1,506	-12%
27	$71	$132	$1,584	5%
28	$70	$109	$1,306	-18%
29	$73	$112	$1,341	3%
30	$94	$137	$1,648	23%
31	$80	$127	$1,520	-8%
32	$68	$119	$1,425	-6%
33	$65	$102	$1,219	-14%
34	$80	$122	$1,468	20%
35	$78	$116	$1,393	-5%
36	$84	$124	$1,489	7%
37	$74	$128	$1,534	3%
38	$65	$106	$1,275	-17%
39	$77	$134	$1,607	26%
40	$60	$115	$1,377	-14%
41	$72	$102	$1,226	-11%
42	$67	$120	$1,442	18%
43	$72	$149	$1,788	24%
44	$74	$117	$1,402	-22%
45	$69	$110	$1,319	-6%
46	$73	$101	$1,214	-8%
47	$73	$120	$1,439	19%
48	$67	$105	$1,265	-12%
49	$80	$113	$1,351	7%
50	$70	$112	$1,347	-0%
51	$67	$107	$1,287	-4%
52	$59	$90	$1,076	-16%
53	$43	$72	$868	-19%
54	$67	$98	$1,174	35%
55	$64	$122	$1,462	25%
56	$63	$94	$1,130	-23%
57	$77	$108	$1,296	15%
58	$49	$90	$1,078	-17%
59	$47	$87	$1,041	-3%
60	$70	$107	$1,280	23%
61	$49	$80	$956	-25%
62	$61	$97	$1,164	22%
63	$47	$68	$816	-30%
64	$68	$97	$1,158	42%
65	$55	$88	$1,058	-9%
66	$53	$82	$985	-7%
67	$64	$90	$1,074	9%
68	$87	$116	$1,390	29%
69	$56	$74	$885	-36%
70	$65	$92	$1,100	24%
72	$64	$125	$1,502	37%
73	$83	$115	$1,383	-8%
74	$60	$93	$1,116	-19%
75	$60	$96	$1,149	3%

Last Updated July 15, 2026

Key takeaway: North Dakota is among the cheapest states at every age; 16-year-olds average $207/mo and rates drop to $88/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 $323 per month, below the national teen average, and rates fall steadily to $112 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

16	$180	$323	$3,872	–
17	$174	$327	$3,921	1%
18	$163	$304	$3,651	-7%
19	$149	$296	$3,552	-3%
20	$134	$271	$3,251	-8%
21	$112	$230	$2,755	-15%
22	$112	$216	$2,595	-6%
23	$100	$191	$2,294	-12%
24	$95	$181	$2,173	-5%
25	$92	$183	$2,194	1%
26	$92	$177	$2,130	-3%
27	$90	$177	$2,127	-0%
28	$81	$157	$1,881	-12%
29	$80	$156	$1,866	-1%
30	$77	$158	$1,893	1%
31	$81	$160	$1,918	1%
32	$75	$148	$1,779	-7%
33	$75	$145	$1,741	-2%
34	$74	$148	$1,778	2%
35	$78	$155	$1,855	4%
36	$76	$146	$1,747	-6%
37	$74	$148	$1,773	2%
38	$74	$147	$1,761	-1%
39	$75	$149	$1,793	2%
40	$71	$133	$1,593	-11%
41	$70	$142	$1,700	7%
42	$73	$143	$1,717	1%
43	$70	$135	$1,622	-6%
44	$67	$127	$1,530	-6%
45	$70	$139	$1,672	9%
46	$70	$144	$1,726	3%
47	$68	$133	$1,597	-7%
48	$65	$127	$1,522	-5%
49	$65	$129	$1,554	2%
50	$67	$133	$1,593	3%
51	$66	$124	$1,487	-7%
52	$63	$120	$1,437	-3%
53	$66	$125	$1,504	5%
54	$62	$122	$1,463	-3%
55	$65	$133	$1,590	9%
56	$65	$124	$1,490	-6%
57	$59	$123	$1,480	-1%
58	$62	$120	$1,440	-3%
59	$62	$123	$1,473	2%
60	$60	$119	$1,426	-3%
61	$60	$119	$1,429	0%
62	$60	$118	$1,413	-1%
63	$56	$117	$1,400	-1%
64	$70	$134	$1,608	15%
65	$55	$112	$1,349	-16%
66	$59	$114	$1,364	1%
67	$57	$113	$1,358	-0%
68	$60	$127	$1,521	12%
69	$60	$120	$1,441	-5%
70	$61	$118	$1,417	-2%
71	$62	$119	$1,422	0%
72	$66	$125	$1,502	6%
73	$67	$132	$1,581	5%
74	$58	$114	$1,366	-14%
75	$69	$140	$1,680	23%

Last Updated July 15, 2026

Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $323/mo and rates decline to $112/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 9% to $364 per month before falling again. Here, rates for 16-year-olds start at $376 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

16	$221	$376	$4,517	–
17	$169	$308	$3,697	-18%
18	$172	$334	$4,007	8%
19	$170	$364	$4,364	9%
20	$155	$319	$3,824	-12%
21	$137	$281	$3,368	-12%
22	$125	$257	$3,088	-8%
23	$113	$241	$2,891	-6%
24	$111	$221	$2,650	-8%
25	$100	$204	$2,453	-7%
26	$95	$198	$2,373	-3%
27	$97	$204	$2,452	3%
28	$88	$182	$2,181	-11%
29	$86	$179	$2,153	-1%
30	$89	$182	$2,187	2%
31	$82	$169	$2,029	-7%
32	$88	$189	$2,271	12%
33	$81	$166	$1,993	-12%
34	$86	$192	$2,302	16%
35	$87	$198	$2,379	3%
36	$88	$187	$2,243	-6%
37	$83	$174	$2,082	-7%
38	$81	$176	$2,107	1%
39	$80	$170	$2,038	-3%
40	$82	$178	$2,138	5%
41	$83	$178	$2,137	-0%
42	$86	$176	$2,111	-1%
43	$80	$172	$2,064	-2%
44	$81	$172	$2,064	-0%
45	$76	$168	$2,021	-2%
46	$86	$180	$2,162	7%
47	$79	$174	$2,087	-3%
48	$80	$181	$2,172	4%
49	$76	$157	$1,882	-13%
50	$78	$164	$1,967	4%
51	$77	$166	$1,988	1%
52	$72	$152	$1,820	-8%
53	$71	$148	$1,781	-2%
54	$72	$157	$1,879	6%
55	$69	$136	$1,635	-13%
56	$72	$149	$1,792	10%
57	$67	$136	$1,631	-9%
58	$70	$146	$1,752	7%
59	$63	$124	$1,487	-15%
60	$70	$148	$1,777	20%
61	$68	$138	$1,654	-7%
62	$69	$140	$1,678	1%
63	$67	$135	$1,620	-3%
64	$67	$137	$1,646	2%
65	$66	$137	$1,645	-0%
66	$68	$136	$1,635	-1%
67	$68	$136	$1,636	0%
68	$67	$136	$1,628	-1%
69	$64	$122	$1,467	-10%
70	$65	$124	$1,489	1%
71	$69	$149	$1,791	20%
72	$72	$136	$1,635	-9%
73	$69	$136	$1,628	-0%
74	$69	$129	$1,551	-5%
75	$67	$125	$1,496	-4%

Last Updated July 15, 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 $472 per month, close to the national average for teens, and by 30 the average drops to $195 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

16	$277	$472	$5,668	–
17	$224	$368	$4,413	-22%
18	$222	$387	$4,645	5%
19	$206	$410	$4,919	6%
20	$173	$304	$3,650	-26%
21	$161	$287	$3,445	-6%
22	$144	$272	$3,261	-5%
23	$141	$245	$2,935	-10%
24	$146	$247	$2,960	1%
25	$115	$199	$2,382	-20%
26	$126	$216	$2,596	9%
27	$121	$206	$2,467	-5%
28	$121	$192	$2,306	-7%
29	$117	$207	$2,488	8%
30	$112	$195	$2,343	-6%
31	$103	$176	$2,117	-10%
32	$108	$179	$2,147	1%
33	$106	$178	$2,141	-0%
34	$103	$168	$2,013	-6%
35	$99	$162	$1,950	-3%
36	$103	$172	$2,058	6%
37	$100	$169	$2,033	-1%
38	$102	$173	$2,075	2%
39	$104	$176	$2,111	2%
40	$96	$166	$1,998	-5%
41	$100	$162	$1,940	-3%
42	$104	$167	$1,999	3%
43	$104	$182	$2,178	9%
44	$99	$161	$1,932	-11%
45	$99	$172	$2,064	7%
46	$92	$158	$1,898	-8%
47	$92	$150	$1,795	-5%
48	$99	$156	$1,875	4%
49	$92	$153	$1,838	-2%
50	$90	$154	$1,842	0%
51	$93	$157	$1,887	2%
52	$89	$146	$1,747	-7%
53	$100	$162	$1,943	11%
54	$83	$131	$1,569	-19%
55	$86	$161	$1,929	23%
56	$81	$143	$1,717	-11%
57	$84	$135	$1,620	-6%
58	$95	$160	$1,920	18%
59	$86	$142	$1,706	-11%
60	$94	$145	$1,743	2%
61	$84	$141	$1,690	-3%
62	$82	$139	$1,668	-1%
63	$81	$136	$1,630	-2%
64	$77	$126	$1,509	-7%
65	$78	$134	$1,613	7%
66	$80	$130	$1,559	-3%
67	$77	$130	$1,554	-0%
68	$81	$135	$1,614	4%
69	$76	$127	$1,520	-6%
70	$80	$142	$1,706	12%
71	$77	$134	$1,614	-5%
72	$75	$122	$1,463	-9%
73	$75	$131	$1,575	8%
74	$81	$131	$1,571	-0%
75	$77	$141	$1,691	8%

Last Updated July 15, 2026

Key takeaway: Oregon rates are moderate and track near the national average; its 16-year-olds average $472/mo. By 30, rates fall to $195/mo. Portland-area drivers pay above the statewide average.

Pennsylvania

Pennsylvania teen rates spike sharply through the late teens, with 18-year-olds averaging $473, a 14% 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

16	$173	$347	$4,163	–
17	$182	$417	$5,002	20%
18	$182	$473	$5,678	14%
19	$173	$433	$5,202	-8%
20	$160	$415	$4,983	-4%
21	$152	$363	$4,359	-13%
22	$133	$312	$3,739	-14%
23	$132	$291	$3,489	-7%
24	$127	$297	$3,567	2%
25	$120	$268	$3,221	-10%
26	$114	$263	$3,152	-2%
27	$116	$257	$3,083	-2%
28	$115	$252	$3,021	-2%
29	$114	$276	$3,317	10%
30	$108	$253	$3,040	-8%
31	$109	$246	$2,950	-3%
32	$111	$263	$3,159	7%
33	$111	$245	$2,939	-7%
34	$110	$237	$2,844	-3%
35	$107	$231	$2,766	-3%
36	$102	$234	$2,806	1%
37	$102	$243	$2,914	4%
38	$97	$213	$2,552	-12%
39	$106	$217	$2,598	2%
40	$105	$232	$2,786	7%
41	$99	$222	$2,666	-4%
42	$97	$213	$2,551	-4%
43	$97	$221	$2,649	4%
44	$99	$224	$2,686	1%
45	$90	$192	$2,300	-14%
46	$95	$195	$2,345	2%
47	$91	$197	$2,361	1%
48	$101	$210	$2,522	7%
49	$88	$183	$2,190	-13%
50	$88	$194	$2,328	6%
51	$86	$174	$2,092	-10%
52	$88	$186	$2,235	7%
53	$84	$171	$2,047	-8%
54	$89	$190	$2,285	12%
55	$79	$174	$2,086	-9%
56	$82	$166	$1,995	-4%
57	$84	$172	$2,063	3%
58	$85	$190	$2,284	11%
59	$78	$172	$2,066	-10%
60	$70	$155	$1,859	-10%
61	$72	$152	$1,828	-2%
62	$75	$164	$1,971	8%
63	$80	$169	$2,023	3%
64	$80	$166	$1,989	-2%
65	$67	$153	$1,834	-8%
66	$69	$147	$1,758	-4%
67	$73	$161	$1,936	10%
68	$68	$143	$1,722	-11%
69	$71	$153	$1,832	6%
70	$80	$172	$2,059	12%
71	$78	$171	$2,053	-0%
72	$76	$167	$1,999	-3%
73	$70	$152	$1,822	-9%
74	$76	$173	$2,075	14%
75	$81	$171	$2,049	-1%

Last Updated July 15, 2026

Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $153/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 44% from age 16 to 17, rising from $562 per month to $807 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

16	$473	$562	$6,738	–
17	$533	$807	$9,684	44%
18	$562	$841	$10,090	4%
19	$392	$659	$7,903	-22%
20	$267	$460	$5,518	-30%
21	$242	$416	$4,992	-10%
22	$191	$334	$4,009	-20%
23	$190	$365	$4,376	9%
24	$189	$326	$3,910	-11%
25	$163	$263	$3,160	-19%
26	$160	$276	$3,307	5%
27	$135	$258	$3,099	-6%
28	$164	$313	$3,757	21%
29	$188	$342	$4,105	9%
30	$142	$244	$2,923	-29%
31	$131	$219	$2,624	-10%
32	$135	$240	$2,875	10%
33	$140	$252	$3,028	5%
34	$115	$204	$2,444	-19%
35	$146	$243	$2,919	19%
36	$126	$210	$2,516	-14%
37	$109	$208	$2,499	-1%
38	$139	$292	$3,506	40%
39	$133	$217	$2,601	-26%
40	$154	$251	$3,012	16%
41	$114	$210	$2,520	-16%
42	$117	$203	$2,438	-3%
43	$143	$250	$3,005	23%
44	$106	$193	$2,318	-23%
45	$130	$210	$2,519	9%
46	$115	$197	$2,359	-6%
47	$128	$215	$2,578	9%
48	$116	$193	$2,319	-10%
49	$116	$214	$2,563	11%
50	$134	$231	$2,773	8%
51	$100	$183	$2,195	-21%
52	$111	$171	$2,053	-6%
53	$99	$168	$2,014	-2%
54	$110	$204	$2,444	21%
55	$108	$168	$2,013	-18%
56	$99	$184	$2,212	10%
57	$108	$187	$2,239	1%
58	$106	$200	$2,404	7%
59	$96	$148	$1,775	-26%
60	$106	$180	$2,154	21%
61	$94	$171	$2,052	-5%
62	$90	$152	$1,822	-11%
63	$98	$169	$2,031	11%
64	$97	$161	$1,928	-5%
65	$104	$169	$2,024	5%
66	$111	$168	$2,013	-1%
67	$90	$165	$1,985	-1%
68	$118	$180	$2,163	9%
69	$107	$173	$2,075	-4%
70	$101	$165	$1,985	-4%
71	$96	$156	$1,876	-5%
72	$93	$145	$1,742	-7%
73	$88	$144	$1,729	-1%
74	$110	$174	$2,086	21%
75	$79	$136	$1,632	-22%

Last Updated July 15, 2026

Key takeaway: Rhode Island 17-year-olds average $807/mo after a 44% 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 $502 per month, and rates remain elevated through middle age, averaging $199 per month at 65.

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

16	$271	$502	$6,025	–
17	$414	$635	$7,625	27%
18	$353	$558	$6,693	-12%
19	$316	$534	$6,403	-4%
20	$275	$475	$5,700	-11%
21	$240	$426	$5,118	-10%
22	$211	$371	$4,454	-13%
23	$191	$334	$4,010	-10%
24	$186	$334	$4,005	-0%
25	$168	$305	$3,657	-9%
26	$164	$294	$3,530	-3%
27	$161	$287	$3,438	-3%
28	$156	$276	$3,315	-4%
29	$156	$272	$3,268	-1%
30	$148	$261	$3,136	-4%
31	$148	$259	$3,112	-1%
32	$145	$254	$3,045	-2%
33	$146	$249	$2,990	-2%
34	$145	$254	$3,043	2%
35	$137	$241	$2,896	-5%
36	$140	$239	$2,867	-1%
37	$137	$243	$2,919	2%
38	$137	$237	$2,843	-3%
39	$141	$244	$2,928	3%
40	$139	$246	$2,953	1%
41	$135	$229	$2,745	-7%
42	$135	$230	$2,766	1%
43	$134	$234	$2,802	1%
44	$131	$226	$2,718	-3%
45	$134	$226	$2,715	-0%
46	$130	$221	$2,650	-2%
47	$124	$208	$2,496	-6%
48	$133	$235	$2,816	13%
49	$121	$210	$2,521	-10%
50	$125	$215	$2,581	2%
51	$125	$219	$2,632	2%
52	$130	$222	$2,660	1%
53	$114	$198	$2,379	-11%
54	$117	$203	$2,434	2%
55	$120	$206	$2,477	2%
56	$116	$200	$2,403	-3%
57	$115	$196	$2,346	-2%
58	$115	$195	$2,341	-0%
59	$113	$187	$2,242	-4%
60	$108	$186	$2,232	-0%
61	$112	$196	$2,358	6%
62	$110	$188	$2,255	-4%
63	$109	$188	$2,251	-0%
64	$110	$189	$2,267	1%
65	$117	$199	$2,386	5%
66	$114	$203	$2,431	2%
67	$107	$190	$2,285	-6%
68	$109	$188	$2,251	-2%
69	$111	$202	$2,422	8%
70	$111	$193	$2,320	-4%
71	$99	$178	$2,131	-8%
72	$104	$184	$2,209	4%
73	$118	$195	$2,342	6%
74	$104	$177	$2,130	-9%
75	$123	$204	$2,451	15%

Last Updated July 15, 2026

Key takeaway: South Carolina rates are above average statewide. South Carolina’s 16-year-olds average $502/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 $558 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

16	$136	$321	$3,846	–
17	$133	$211	$2,526	-34%
18	$160	$247	$2,960	17%
19	$127	$277	$3,321	12%
20	$106	$180	$2,164	-35%
21	$92	$216	$2,587	20%
22	$74	$196	$2,349	-9%
23	$86	$202	$2,423	3%
24	$69	$142	$1,703	-30%
25	$70	$155	$1,854	9%
26	$75	$152	$1,821	-2%
27	$65	$181	$2,172	19%
28	$61	$128	$1,536	-29%
29	$63	$137	$1,638	7%
30	$60	$121	$1,457	-11%
31	$66	$154	$1,850	27%
32	$60	$131	$1,570	-15%
33	$62	$121	$1,455	-7%
34	$64	$121	$1,456	0%
35	$60	$131	$1,575	8%
36	$49	$105	$1,257	-20%
37	$53	$113	$1,357	8%
38	$65	$133	$1,601	18%
39	$55	$105	$1,258	-21%
40	$67	$131	$1,571	25%
41	$64	$140	$1,676	7%
42	$56	$121	$1,448	-14%
43	$54	$129	$1,543	7%
44	$58	$122	$1,461	-5%
45	$50	$112	$1,342	-8%
46	$62	$133	$1,593	19%
47	$58	$139	$1,663	4%
48	$53	$114	$1,373	-17%
49	$58	$137	$1,648	20%
50	$59	$126	$1,512	-8%
51	$52	$112	$1,345	-11%
52	$50	$117	$1,403	4%
53	$49	$144	$1,727	23%
54	$54	$117	$1,409	-18%
55	$53	$109	$1,309	-7%
56	$42	$90	$1,081	-17%
57	$50	$144	$1,726	60%
58	$52	$96	$1,153	-33%
59	$44	$98	$1,180	2%
60	$44	$81	$973	-18%
61	$44	$97	$1,161	19%
62	$45	$93	$1,117	-4%
63	$44	$88	$1,055	-5%
64	$52	$97	$1,167	11%
65	$46	$84	$1,007	-14%
66	$52	$121	$1,448	44%
67	$49	$92	$1,100	-24%
68	$39	$60	$719	-35%
69	$56	$118	$1,411	96%
70	$45	$105	$1,265	-10%
71	$32	$83	$992	-22%
72	$49	$106	$1,270	28%
73	$48	$89	$1,064	-16%
74	$50	$89	$1,070	1%
75	$48	$107	$1,287	20%

Last Updated July 15, 2026

Key takeaway: South Dakota is among the most affordable states at every age. The data starts at 18 ($247/mo). Rates fall consistently, reaching $88/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 $359 per month, and the biggest single-year drop comes at age 20, when rates fall 15% to $265 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

16	$192	$359	$4,313	–
17	$174	$328	$3,937	-9%
18	$165	$345	$4,135	5%
19	$153	$313	$3,753	-9%
20	$132	$265	$3,177	-15%
21	$120	$235	$2,823	-11%
22	$118	$250	$3,002	6%
23	$108	$216	$2,594	-14%
24	$96	$203	$2,431	-6%
25	$101	$203	$2,440	0%
26	$95	$201	$2,412	-1%
27	$94	$190	$2,281	-5%
28	$89	$180	$2,159	-5%
29	$83	$172	$2,063	-4%
30	$84	$173	$2,079	1%
31	$85	$164	$1,974	-5%
32	$83	$163	$1,958	-1%
33	$82	$158	$1,899	-3%
34	$79	$157	$1,879	-1%
35	$78	$158	$1,894	1%
36	$77	$152	$1,820	-4%
37	$83	$167	$2,004	10%
38	$76	$150	$1,803	-10%
39	$71	$136	$1,633	-9%
40	$73	$147	$1,760	8%
41	$70	$146	$1,755	-0%
42	$73	$145	$1,746	-0%
43	$73	$144	$1,732	-1%
44	$72	$146	$1,752	1%
45	$65	$143	$1,721	-2%
46	$65	$128	$1,532	-11%
47	$69	$135	$1,619	6%
48	$68	$135	$1,621	0%
49	$63	$127	$1,519	-6%
50	$64	$129	$1,549	2%
51	$68	$137	$1,643	6%
52	$68	$143	$1,712	4%
53	$67	$133	$1,599	-7%
54	$65	$130	$1,562	-2%
55	$61	$127	$1,520	-3%
56	$66	$135	$1,617	6%
57	$64	$126	$1,508	-7%
58	$58	$111	$1,329	-12%
59	$64	$131	$1,572	18%
60	$66	$132	$1,588	1%
61	$60	$119	$1,433	-10%
62	$62	$128	$1,542	8%
63	$63	$122	$1,461	-5%
64	$58	$113	$1,351	-8%
65	$61	$120	$1,444	7%
66	$57	$110	$1,325	-8%
67	$62	$121	$1,451	9%
68	$61	$128	$1,537	6%
69	$62	$127	$1,520	-1%
70	$63	$126	$1,507	-1%
71	$64	$124	$1,487	-1%
72	$60	$129	$1,544	4%
73	$68	$135	$1,625	5%
74	$63	$116	$1,389	-14%
75	$66	$124	$1,487	7%

Last Updated July 15, 2026

Key takeaway: Tennessee rates are slightly below average statewide. The state’s 16-year-olds average $359/mo with the steepest drop at 20 (15%). 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 $627 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 $463 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 $180 per month. Texas rates stay relatively stable for older drivers, with 75-year-olds averaging $196 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

16	$304	$627	$7,527	–
17	$309	$580	$6,963	-7%
18	$302	$575	$6,904	-1%
19	$274	$526	$6,318	-8%
20	$234	$463	$5,550	-12%
21	$203	$396	$4,751	-14%
22	$185	$358	$4,299	-9%
23	$175	$328	$3,935	-8%
24	$162	$307	$3,679	-7%
25	$153	$287	$3,450	-6%
26	$151	$282	$3,388	-2%
27	$145	$274	$3,286	-3%
28	$141	$263	$3,160	-4%
29	$138	$254	$3,044	-4%
30	$131	$245	$2,944	-3%
31	$126	$240	$2,884	-2%
32	$131	$241	$2,894	0%
33	$127	$234	$2,811	-3%
34	$128	$231	$2,776	-1%
35	$125	$230	$2,764	-0%
36	$124	$227	$2,720	-2%
37	$127	$228	$2,740	1%
38	$121	$226	$2,709	-1%
39	$119	$223	$2,674	-1%
40	$119	$221	$2,650	-1%
41	$115	$215	$2,575	-3%
42	$118	$221	$2,650	3%
43	$116	$213	$2,556	-4%
44	$114	$215	$2,583	1%
45	$114	$215	$2,584	0%
46	$117	$212	$2,540	-2%
47	$113	$209	$2,505	-1%
48	$111	$207	$2,489	-1%
49	$114	$209	$2,514	1%
50	$111	$208	$2,501	-1%
51	$110	$199	$2,385	-5%
52	$107	$200	$2,404	1%
53	$110	$200	$2,401	-0%
54	$108	$196	$2,351	-2%
55	$108	$197	$2,365	1%
56	$105	$191	$2,288	-3%
57	$105	$187	$2,242	-2%
58	$101	$186	$2,234	-0%
59	$104	$183	$2,198	-2%
60	$103	$182	$2,189	-0%
61	$99	$183	$2,198	0%
62	$105	$185	$2,225	1%
63	$104	$180	$2,165	-3%
64	$102	$180	$2,156	-0%
65	$103	$180	$2,157	0%
66	$103	$180	$2,157	-0%
67	$101	$181	$2,168	1%
68	$106	$188	$2,252	4%
69	$106	$189	$2,267	1%
70	$108	$189	$2,271	0%
71	$109	$190	$2,279	0%
72	$112	$196	$2,353	3%
73	$113	$197	$2,358	0%
74	$114	$197	$2,359	0%
75	$116	$196	$2,350	-0%

Last Updated July 15, 2026

Key takeaway: Texas 16-year-olds average $627/mo, about 26% above the national average. By 65, the average is $180/mo.

Utah

Utah requires personal injury protection coverage for all drivers, adding to base premiums statewide. The state’s 16-year-olds average $401 per month, and rates fall steadily through the 20s, reaching $281 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

16	$222	$401	$4,817	–
17	$262	$434	$5,205	8%
18	$236	$419	$5,023	-3%
19	$189	$318	$3,817	-24%
20	$175	$281	$3,370	-12%
21	$150	$241	$2,894	-14%
22	$134	$208	$2,495	-14%
23	$120	$188	$2,261	-9%
24	$117	$186	$2,238	-1%
25	$112	$182	$2,188	-2%
26	$112	$178	$2,140	-2%
27	$106	$161	$1,929	-10%
28	$111	$178	$2,135	11%
29	$102	$159	$1,905	-11%
30	$101	$162	$1,942	2%
31	$105	$166	$1,990	2%
32	$100	$152	$1,824	-8%
33	$98	$150	$1,799	-1%
34	$100	$147	$1,758	-2%
35	$96	$149	$1,790	2%
36	$97	$154	$1,854	4%
37	$92	$147	$1,767	-5%
38	$98	$152	$1,824	3%
39	$92	$148	$1,772	-3%
40	$97	$157	$1,887	6%
41	$92	$144	$1,727	-8%
42	$97	$150	$1,797	4%
43	$95	$148	$1,771	-1%
44	$92	$146	$1,757	-1%
45	$91	$147	$1,764	0%
46	$91	$145	$1,735	-2%
47	$86	$135	$1,619	-7%
48	$92	$144	$1,732	7%
49	$92	$144	$1,731	-0%
50	$86	$142	$1,699	-2%
51	$86	$135	$1,622	-5%
52	$88	$133	$1,593	-2%
53	$82	$130	$1,556	-2%
54	$88	$130	$1,562	0%
55	$81	$126	$1,518	-3%
56	$83	$137	$1,640	8%
57	$93	$149	$1,784	9%
58	$84	$136	$1,631	-9%
59	$92	$141	$1,689	4%
60	$77	$124	$1,493	-12%
61	$85	$133	$1,594	7%
62	$95	$143	$1,718	8%
63	$85	$132	$1,583	-8%
64	$81	$121	$1,449	-8%
65	$78	$126	$1,510	4%
66	$99	$150	$1,797	19%
67	$81	$122	$1,458	-19%
68	$81	$122	$1,460	0%
69	$77	$118	$1,418	-3%
70	$92	$151	$1,812	28%
71	$72	$124	$1,488	-18%
72	$80	$124	$1,488	0%
73	$80	$121	$1,454	-2%
74	$88	$132	$1,579	9%
75	$84	$130	$1,558	-1%

Last Updated July 15, 2026

Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $401/mo and rates drop to $162/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 $331 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 $84 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

16	$416	$492	$5,904	–
17	$231	$331	$3,970	-33%
18	$168	$318	$3,820	-4%
19	$129	$309	$3,707	-3%
20	$99	$182	$2,187	-41%
21	$66	$157	$1,888	-14%
22	$100	$140	$1,681	-11%
23	$60	$116	$1,397	-17%
24	$63	$116	$1,390	-0%
25	$86	$139	$1,668	20%
26	$60	$113	$1,358	-19%
27	$67	$98	$1,171	-14%
28	$65	$113	$1,354	16%
29	$51	$117	$1,409	4%
30	$49	$104	$1,244	-12%
31	$46	$82	$982	-21%
32	$61	$112	$1,345	37%
33	$52	$104	$1,244	-7%
34	$46	$79	$949	-24%
35	$56	$88	$1,052	11%
36	$55	$97	$1,169	11%
37	$59	$99	$1,188	2%
38	$62	$85	$1,024	-14%
39	$75	$134	$1,611	57%
40	$68	$118	$1,417	-12%
41	$68	$133	$1,595	13%
42	$70	$118	$1,417	-11%
43	$72	$100	$1,205	-15%
44	$46	$82	$984	-18%
45	$51	$111	$1,336	36%
46	$66	$96	$1,155	-14%
47	$73	$112	$1,345	16%
48	$43	$82	$983	-27%
49	$59	$94	$1,129	15%
50	$48	$91	$1,094	-3%
51	$43	$91	$1,091	-0%
52	$44	$80	$963	-12%
53	$32	$62	$749	-22%
54	$39	$78	$935	25%
55	$72	$90	$1,078	15%
56	$40	$72	$860	-20%
57	$50	$72	$868	1%
58	$44	$85	$1,017	17%
59	$54	$84	$1,007	-1%
60	$44	$79	$943	-6%
61	$33	$70	$838	-11%
62	$31	$55	$659	-21%
63	$40	$77	$924	40%
64	$53	$71	$855	-7%
65	$37	$84	$1,007	18%
66	$36	$65	$785	-22%
67	$46	$78	$940	20%
68	$41	$79	$946	1%
69	$52	$92	$1,101	16%
70	$40	$76	$915	-17%
71	$40	$56	$667	-27%
72	$47	$67	$807	21%
73	$48	$112	$1,339	66%
74	$74	$83	$1,001	-25%
75	$41	$72	$869	-13%

Last Updated July 15, 2026

Key takeaway: Vermont rates drop unusually at 17, contrasting the national pattern. By 65, the average is just $84/mo, one of the lowest in Jerry’s dataset. Year-to-year volatility may reflect smaller data samples.

Virginia

Virginia rates average $412 per month at 16, above the national average for that age, and decline steadily through the mid-60s. By 65, the average reaches $176 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $206 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

16	$244	$412	$4,941	–
17	$297	$480	$5,758	17%
18	$281	$478	$5,731	-0%
19	$273	$491	$5,886	3%
20	$252	$437	$5,240	-11%
21	$224	$380	$4,561	-13%
22	$206	$359	$4,312	-5%
23	$180	$312	$3,746	-13%
24	$174	$306	$3,677	-2%
25	$163	$285	$3,414	-7%
26	$152	$269	$3,231	-5%
27	$148	$262	$3,142	-3%
28	$147	$261	$3,134	-0%
29	$134	$241	$2,895	-8%
30	$135	$239	$2,865	-1%
31	$130	$225	$2,696	-6%
32	$133	$237	$2,839	5%
33	$128	$224	$2,692	-5%
34	$127	$222	$2,667	-1%
35	$129	$225	$2,698	1%
36	$118	$210	$2,515	-7%
37	$124	$214	$2,565	2%
38	$119	$206	$2,473	-4%
39	$125	$213	$2,560	3%
40	$123	$222	$2,662	4%
41	$128	$218	$2,611	-2%
42	$111	$200	$2,399	-8%
43	$119	$208	$2,499	4%
44	$119	$216	$2,598	4%
45	$117	$214	$2,566	-1%
46	$110	$193	$2,318	-10%
47	$114	$212	$2,543	10%
48	$118	$205	$2,457	-3%
49	$113	$205	$2,459	0%
50	$108	$197	$2,367	-4%
51	$103	$185	$2,220	-6%
52	$113	$205	$2,461	11%
53	$103	$181	$2,176	-12%
54	$112	$202	$2,426	12%
55	$108	$193	$2,318	-4%
56	$100	$184	$2,213	-5%
57	$99	$179	$2,143	-3%
58	$108	$187	$2,242	5%
59	$103	$177	$2,127	-5%
60	$95	$169	$2,029	-5%
61	$106	$187	$2,240	10%
62	$103	$181	$2,174	-3%
63	$102	$182	$2,183	0%
64	$104	$181	$2,166	-1%
65	$100	$176	$2,114	-2%
66	$96	$174	$2,089	-1%
67	$98	$183	$2,197	5%
68	$98	$181	$2,175	-1%
69	$98	$188	$2,259	4%
70	$97	$184	$2,206	-2%
71	$113	$198	$2,378	8%
72	$96	$176	$2,116	-11%
73	$111	$203	$2,441	15%
74	$110	$196	$2,356	-3%
75	$118	$206	$2,467	5%

Last Updated July 15, 2026

Key takeaway: Virginia rates average $412/mo at age 16 and decline steadily to $176/mo by 65 before rising to $206/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.

Washington

Washington rates average $521 per month at 16 before dipping at 17 and then spiking -0% at 18 to $558 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 $166 per month. Rates climb again in the mid-70s, reaching $178 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

16	$335	$521	$6,258	–
17	$292	$560	$6,723	7%
18	$284	$558	$6,701	-0%
19	$248	$484	$5,804	-13%
20	$218	$427	$5,128	-12%
21	$185	$362	$4,348	-15%
22	$171	$330	$3,957	-9%
23	$154	$288	$3,458	-13%
24	$154	$303	$3,638	5%
25	$144	$287	$3,443	-5%
26	$141	$274	$3,292	-4%
27	$124	$253	$3,036	-8%
28	$127	$259	$3,109	2%
29	$123	$256	$3,075	-1%
30	$116	$234	$2,805	-9%
31	$114	$228	$2,742	-2%
32	$112	$222	$2,662	-3%
33	$119	$242	$2,902	9%
34	$112	$221	$2,651	-9%
35	$108	$212	$2,543	-4%
36	$101	$208	$2,498	-2%
37	$104	$208	$2,497	-0%
38	$108	$213	$2,552	2%
39	$98	$199	$2,391	-6%
40	$96	$186	$2,236	-6%
41	$100	$204	$2,446	9%
42	$98	$190	$2,282	-7%
43	$94	$184	$2,213	-3%
44	$97	$190	$2,278	3%
45	$105	$201	$2,416	6%
46	$93	$190	$2,279	-6%
47	$93	$186	$2,238	-2%
48	$96	$176	$2,108	-6%
49	$92	$177	$2,125	1%
50	$90	$185	$2,220	4%
51	$93	$178	$2,134	-4%
52	$88	$173	$2,073	-3%
53	$86	$165	$1,986	-4%
54	$85	$172	$2,061	4%
55	$91	$177	$2,118	3%
56	$87	$163	$1,955	-8%
57	$84	$160	$1,921	-2%
58	$82	$157	$1,878	-2%
59	$82	$160	$1,924	2%
60	$85	$163	$1,955	2%
61	$83	$167	$2,010	3%
62	$84	$159	$1,904	-5%
63	$89	$162	$1,948	2%
64	$76	$146	$1,749	-10%
65	$97	$166	$1,997	14%
66	$84	$164	$1,973	-1%
67	$86	$163	$1,958	-1%
68	$83	$149	$1,787	-9%
69	$80	$144	$1,729	-3%
70	$81	$146	$1,750	1%
71	$77	$140	$1,683	-4%
72	$86	$158	$1,896	13%
73	$86	$150	$1,800	-5%
74	$84	$156	$1,875	4%
75	$84	$178	$2,139	14%

Last Updated July 15, 2026

Key takeaway: Washington rates peak at age 18 ($558/mo) before declining steadily to $166/mo by 65. Rates rise again to $178/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 $400 per month. Rates show an unusual upward trend through the early 20s, with a second peak at 21 before falling sharply by 0% at 22 to $331 per month. After that, rates follow a more typical downward trend. By 65, the average reaches $210 per month, and 75-year-olds average $154 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

16	$179	$400	$4,803	–
17	$187	$312	$3,742	-22%
18	$178	$339	$4,070	9%
19	$174	$354	$4,249	4%
20	$155	$333	$3,990	-6%
21	$143	$331	$3,976	-0%
22	$130	$270	$3,236	-19%
23	$130	$258	$3,093	-4%
24	$116	$254	$3,043	-2%
25	$121	$243	$2,918	-4%
26	$113	$243	$2,914	-0%
27	$107	$229	$2,754	-5%
28	$111	$224	$2,683	-3%
29	$103	$213	$2,561	-5%
30	$103	$214	$2,573	0%
31	$107	$199	$2,392	-7%
32	$103	$205	$2,460	3%
33	$85	$195	$2,342	-5%
34	$94	$192	$2,308	-1%
35	$99	$206	$2,468	7%
36	$93	$200	$2,397	-3%
37	$91	$179	$2,153	-10%
38	$88	$195	$2,338	9%
39	$87	$175	$2,103	-10%
40	$92	$183	$2,200	5%
41	$92	$197	$2,368	8%
42	$91	$205	$2,458	4%
43	$82	$185	$2,217	-10%
44	$87	$203	$2,439	10%
45	$89	$199	$2,388	-2%
46	$91	$192	$2,309	-3%
47	$85	$180	$2,165	-6%
48	$88	$194	$2,322	7%
49	$98	$184	$2,212	-5%
50	$78	$151	$1,812	-18%
51	$82	$157	$1,883	4%
52	$90	$173	$2,074	10%
53	$85	$163	$1,958	-6%
54	$83	$179	$2,144	9%
55	$87	$184	$2,213	3%
56	$74	$156	$1,867	-16%
57	$75	$143	$1,716	-8%
58	$78	$151	$1,814	6%
59	$73	$140	$1,679	-7%
60	$78	$158	$1,901	13%
61	$78	$160	$1,926	1%
62	$76	$148	$1,780	-8%
63	$80	$170	$2,045	15%
64	$84	$210	$2,524	23%
65	$82	$182	$2,185	-13%
66	$76	$147	$1,759	-19%
67	$77	$155	$1,855	5%
68	$83	$171	$2,053	11%
69	$79	$171	$2,050	-0%
70	$81	$149	$1,790	-13%
71	$94	$201	$2,409	35%
72	$81	$149	$1,793	-26%
73	$73	$145	$1,736	-3%
74	$70	$154	$1,850	7%
75	$93	$171	$2,050	11%

Last Updated July 15, 2026

Key takeaway: West Virginia rates spike through age 21 before falling 0% at 22. By 65, the average is $210/mo, easing slightly to $154/mo by 75. Jerry’s dataset starts at age 17 ($400 mo).

Wisconsin

Wisconsin has one of the most dramatic spikes for Jerry drivers once they turn 18. Rates dip to $240 per month at 17 before jumping 67% at 18 to $401 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 $86 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

16	$186	$327	$3,928	–
17	$140	$240	$2,879	-27%
18	$152	$401	$4,814	67%
19	$126	$260	$3,121	-35%
20	$114	$252	$3,021	-3%
21	$94	$214	$2,564	-15%
22	$83	$202	$2,422	-6%
23	$86	$173	$2,080	-14%
24	$80	$165	$1,979	-5%
25	$74	$162	$1,940	-2%
26	$75	$150	$1,797	-7%
27	$74	$148	$1,776	-1%
28	$65	$129	$1,548	-13%
29	$68	$145	$1,739	12%
30	$65	$138	$1,658	-5%
31	$68	$135	$1,621	-2%
32	$65	$138	$1,651	2%
33	$65	$146	$1,753	6%
34	$59	$119	$1,423	-19%
35	$60	$118	$1,411	-1%
36	$64	$128	$1,539	9%
37	$56	$126	$1,510	-2%
38	$66	$134	$1,606	6%
39	$56	$117	$1,407	-12%
40	$63	$134	$1,605	14%
41	$64	$135	$1,614	1%
42	$64	$129	$1,545	-4%
43	$51	$107	$1,289	-17%
44	$61	$122	$1,470	14%
45	$62	$127	$1,528	4%
46	$54	$116	$1,389	-9%
47	$59	$114	$1,364	-2%
48	$57	$112	$1,346	-1%
49	$55	$109	$1,309	-3%
50	$53	$112	$1,339	2%
51	$56	$115	$1,378	3%
52	$54	$117	$1,410	2%
53	$55	$103	$1,241	-12%
54	$50	$100	$1,202	-3%
55	$52	$112	$1,345	12%
56	$51	$101	$1,208	-10%
57	$46	$98	$1,171	-3%
58	$49	$100	$1,195	2%
59	$45	$99	$1,184	-1%
60	$46	$97	$1,160	-2%
61	$47	$91	$1,092	-6%
62	$48	$94	$1,128	3%
63	$48	$91	$1,095	-3%
64	$46	$101	$1,215	11%
65	$42	$86	$1,029	-15%
66	$46	$98	$1,174	14%
67	$43	$86	$1,028	-12%
68	$44	$87	$1,049	2%
69	$43	$80	$956	-9%
70	$46	$92	$1,106	16%
71	$45	$90	$1,082	-2%
72	$53	$107	$1,283	19%
73	$42	$79	$950	-26%
74	$56	$115	$1,385	46%
75	$48	$87	$1,043	-25%

Last Updated July 15, 2026

Key takeaway: Wisconsin rates spike 67% at age 18 before falling sharply. By 65, the average is just $86/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 $147 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 $77 per month, one of the lowest late-life figures in the dataset. Rates spike at 75 to 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

17	$101	$147	$1,760	–
18	$129	$222	$2,664	51%
19	$130	$260	$3,123	17%
20	$99	$183	$2,199	-30%
21	$92	$191	$2,297	4%
22	$75	$122	$1,464	-36%
23	$62	$176	$2,113	44%
24	$83	$156	$1,874	-11%
25	$66	$115	$1,377	-26%
26	$64	$110	$1,322	-4%
27	$55	$109	$1,305	-1%
28	$51	$91	$1,094	-16%
29	$57	$105	$1,262	15%
30	$52	$97	$1,162	-8%
31	$43	$75	$901	-22%
32	$51	$113	$1,360	51%
33	$65	$148	$1,774	30%
34	$41	$86	$1,038	-41%
35	$52	$99	$1,192	15%
36	$57	$115	$1,382	16%
37	$47	$89	$1,073	-22%
38	$44	$83	$997	-7%
39	$56	$101	$1,217	22%
40	$55	$106	$1,268	4%
41	$39	$71	$847	-33%
42	$46	$101	$1,217	44%
43	$44	$95	$1,140	-6%
44	$47	$108	$1,294	14%
45	$57	$106	$1,278	-1%
46	$48	$108	$1,296	1%
47	$43	$72	$869	-33%
48	$51	$98	$1,177	35%
49	$59	$127	$1,528	30%
50	$46	$83	$994	-35%
51	$46	$117	$1,402	41%
52	$41	$91	$1,096	-22%
53	$41	$69	$832	-24%
54	$43	$94	$1,129	36%
55	$40	$111	$1,327	17%
56	$43	$90	$1,084	-18%
57	$46	$87	$1,048	-3%
58	$35	$64	$769	-27%
59	$34	$61	$737	-4%
60	$47	$79	$947	28%
61	$34	$65	$779	-18%
62	$32	$64	$768	-2%
63	$33	$61	$738	-4%
64	$49	$73	$882	20%
65	$35	$63	$759	-14%
66	$44	$77	$920	21%
67	$27	$57	$685	-26%
68	$23	$41	$491	-28%
69	$56	$87	$1,043	112%
70	$31	$68	$813	-22%
71	$30	$43	$514	-37%
72	$32	$56	$670	30%
73	$37	$74	$883	32%
74	$45	$66	$790	-11%
75	$54	$129	$1,544	95%

Last Updated July 15, 2026

Key takeaway: Wyoming is among the most affordable states at every age. Teen rates average $147/mo at age 16 and fall to just $77/mo by 65. Year-to-year volatility likely reflects smaller data samples statewide.

Insurance Types

Company

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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