Alabama

Alabama rates average $298 per month at age 16, below the national average for that age group. One notable pattern: rates spike 25% 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 $106 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	$170	$298	$3,572	–
17	$204	$373	$4,470	25%
18	$153	$296	$3,551	-21%
19	$152	$291	$3,490	-2%
20	$133	$270	$3,244	-7%
21	$124	$243	$2,916	-10%
22	$107	$223	$2,674	-8%
23	$108	$212	$2,542	-5%
24	$94	$188	$2,250	-11%
25	$95	$184	$2,206	-2%
26	$90	$176	$2,111	-4%
27	$85	$163	$1,960	-7%
28	$83	$164	$1,964	0%
29	$84	$164	$1,964	-0%
30	$83	$175	$2,100	7%
31	$80	$156	$1,876	-11%
32	$77	$153	$1,833	-2%
33	$71	$152	$1,823	-1%
34	$71	$152	$1,827	0%
35	$72	$153	$1,840	1%
36	$72	$147	$1,760	-4%
37	$74	$154	$1,845	5%
38	$71	$149	$1,787	-3%
39	$76	$153	$1,840	3%
40	$67	$133	$1,599	-13%
41	$72	$156	$1,874	17%
42	$70	$145	$1,739	-7%
43	$69	$141	$1,697	-2%
44	$66	$147	$1,763	4%
45	$66	$133	$1,599	-9%
46	$63	$134	$1,608	1%
47	$64	$140	$1,678	4%
48	$65	$133	$1,601	-5%
49	$62	$132	$1,581	-1%
50	$61	$125	$1,496	-5%
51	$60	$124	$1,483	-1%
52	$58	$125	$1,501	1%
53	$61	$130	$1,565	4%
54	$60	$126	$1,516	-3%
55	$58	$121	$1,455	-4%
56	$58	$119	$1,433	-2%
57	$55	$107	$1,288	-10%
58	$63	$126	$1,510	17%
59	$58	$117	$1,406	-7%
60	$60	$118	$1,414	1%
61	$57	$121	$1,453	3%
62	$56	$111	$1,332	-8%
63	$60	$117	$1,399	5%
64	$51	$102	$1,230	-12%
65	$56	$106	$1,271	3%
66	$54	$109	$1,304	3%
67	$58	$121	$1,454	11%
68	$58	$112	$1,341	-8%
69	$58	$113	$1,353	1%
70	$60	$115	$1,382	2%
71	$55	$107	$1,286	-7%
72	$60	$118	$1,420	10%
73	$58	$112	$1,343	-5%
74	$64	$123	$1,477	10%
75	$62	$126	$1,512	2%

Last Updated Aug. 5, 2026

Key takeaway: Alabama teen rates average $298 25%/mo at 16 before spikingat 17. After that, rates fall consistently to $106/mo by 65 and $126/mo by 75.

Arizona

Arizona 16-year-olds average $489 per month, close to the national average for that age. The biggest single-year drop in the state comes at 21, when rates fall 15% to $321 per month. By 75, the average reaches $148 per month.

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

16	$276	$489	$5,870	–
17	$260	$479	$5,752	-2%
18	$272	$493	$5,922	3%
19	$232	$432	$5,183	-12%
20	$204	$376	$4,508	-13%
21	$178	$321	$3,851	-15%
22	$162	$296	$3,556	-8%
23	$149	$271	$3,253	-9%
24	$148	$256	$3,074	-5%
25	$136	$238	$2,861	-7%
26	$132	$235	$2,817	-2%
27	$136	$229	$2,751	-2%
28	$125	$228	$2,731	-1%
29	$121	$215	$2,581	-5%
30	$122	$214	$2,566	-1%
31	$113	$208	$2,496	-3%
32	$111	$198	$2,380	-5%
33	$112	$197	$2,366	-1%
34	$108	$191	$2,289	-3%
35	$109	$195	$2,344	2%
36	$111	$194	$2,323	-1%
37	$107	$185	$2,218	-5%
38	$105	$187	$2,240	1%
39	$106	$189	$2,265	1%
40	$101	$179	$2,142	-5%
41	$104	$189	$2,272	6%
42	$99	$175	$2,098	-8%
43	$103	$189	$2,267	8%
44	$102	$182	$2,190	-3%
45	$96	$174	$2,083	-5%
46	$100	$180	$2,163	4%
47	$99	$179	$2,148	-1%
48	$99	$178	$2,136	-1%
49	$100	$183	$2,199	3%
50	$95	$170	$2,043	-7%
51	$93	$160	$1,918	-6%
52	$96	$169	$2,032	6%
53	$93	$166	$1,994	-2%
54	$94	$165	$1,981	-1%
55	$89	$155	$1,855	-6%
56	$90	$158	$1,901	3%
57	$92	$160	$1,925	1%
58	$86	$150	$1,804	-6%
59	$87	$156	$1,875	4%
60	$85	$154	$1,847	-1%
61	$84	$146	$1,758	-5%
62	$85	$153	$1,838	5%
63	$83	$150	$1,801	-2%
64	$80	$141	$1,697	-6%
65	$82	$142	$1,699	0%
66	$81	$145	$1,739	2%
67	$81	$142	$1,704	-2%
68	$81	$138	$1,653	-3%
69	$85	$154	$1,843	12%
70	$81	$146	$1,749	-5%
71	$86	$148	$1,779	2%
72	$80	$140	$1,683	-5%
73	$79	$139	$1,663	-1%
74	$84	$157	$1,883	13%
75	$82	$148	$1,775	-6%

Last Updated Aug. 5, 2026

Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 (15%). Rates reach $148/mo by 75, a consistent long-term decline from $493/mo at 18 years old.

Arkansas

Arkansas has an unusual pattern at the teen level: Rates actually fall 23% from age 16 to 17, dropping from $535 and $414 per month, before following the typical downward trend. By 75, the average reaches $124 per month.

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

16	$290	$535	$6,416	–
17	$231	$414	$4,965	-23%
18	$179	$360	$4,316	-13%
19	$148	$304	$3,643	-16%
20	$129	$277	$3,320	-9%
21	$117	$249	$2,983	-10%
22	$108	$222	$2,663	-11%
23	$100	$205	$2,460	-8%
24	$94	$186	$2,227	-9%
25	$93	$188	$2,255	1%
26	$90	$183	$2,197	-3%
27	$84	$174	$2,088	-5%
28	$86	$173	$2,078	-1%
29	$86	$173	$2,082	0%
30	$80	$167	$2,003	-4%
31	$77	$159	$1,909	-5%
32	$77	$162	$1,945	2%
33	$73	$148	$1,781	-8%
34	$71	$140	$1,681	-6%
35	$74	$147	$1,761	5%
36	$77	$153	$1,837	4%
37	$71	$143	$1,721	-6%
38	$73	$145	$1,739	1%
39	$69	$144	$1,732	-0%
40	$73	$147	$1,769	2%
41	$71	$141	$1,693	-4%
42	$68	$141	$1,696	0%
43	$71	$147	$1,758	4%
44	$66	$139	$1,668	-5%
45	$67	$137	$1,649	-1%
46	$67	$140	$1,683	2%
47	$69	$143	$1,710	2%
48	$68	$135	$1,615	-6%
49	$67	$137	$1,649	2%
50	$62	$123	$1,478	-10%
51	$67	$133	$1,591	8%
52	$66	$131	$1,575	-1%
53	$62	$122	$1,465	-7%
54	$65	$130	$1,555	6%
55	$62	$125	$1,505	-3%
56	$62	$127	$1,519	1%
57	$64	$128	$1,531	1%
58	$59	$116	$1,388	-9%
59	$66	$131	$1,570	13%
60	$64	$128	$1,536	-2%
61	$61	$118	$1,416	-8%
62	$62	$124	$1,487	5%
63	$73	$166	$1,990	34%
64	$62	$122	$1,464	-26%
65	$64	$124	$1,489	2%
66	$60	$120	$1,440	-3%
67	$66	$132	$1,583	10%
68	$62	$123	$1,479	-7%
69	$63	$125	$1,503	2%
70	$68	$132	$1,583	5%
71	$61	$119	$1,424	-10%
72	$62	$119	$1,428	0%
73	$63	$122	$1,460	2%
74	$62	$127	$1,521	4%
75	$69	$124	$1,491	-2%

Last Updated Aug. 5, 2026

Key takeaway: Arkansas rates drop 23% between ages 16 and 17, which is atypical. After that, the decline follows the national pattern, reaching $124/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 $512 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 $259 per month, and by 65 it reaches $175 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $198 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	$203	$512	$6,143	–
17	$193	$454	$5,453	-11%
18	$230	$546	$6,552	20%
19	$219	$526	$6,315	-4%
20	$198	$463	$5,560	-12%
21	$176	$402	$4,827	-13%
22	$153	$362	$4,343	-10%
23	$150	$347	$4,170	-4%
24	$139	$323	$3,876	-7%
25	$135	$313	$3,754	-3%
26	$131	$304	$3,645	-3%
27	$128	$290	$3,481	-4%
28	$122	$284	$3,412	-2%
29	$120	$280	$3,363	-1%
30	$115	$259	$3,108	-8%
31	$112	$257	$3,083	-1%
32	$111	$252	$3,027	-2%
33	$107	$241	$2,889	-5%
34	$106	$234	$2,809	-3%
35	$105	$234	$2,804	-0%
36	$103	$222	$2,669	-5%
37	$102	$224	$2,690	1%
38	$101	$225	$2,696	0%
39	$103	$228	$2,731	1%
40	$97	$218	$2,615	-4%
41	$100	$218	$2,611	-0%
42	$99	$212	$2,544	-3%
43	$96	$211	$2,532	-0%
44	$95	$210	$2,515	-1%
45	$96	$213	$2,550	1%
46	$97	$210	$2,524	-1%
47	$98	$211	$2,538	1%
48	$96	$203	$2,439	-4%
49	$93	$204	$2,451	0%
50	$96	$205	$2,462	0%
51	$96	$203	$2,434	-1%
52	$94	$199	$2,390	-2%
53	$95	$199	$2,390	-0%
54	$94	$192	$2,300	-4%
55	$92	$192	$2,308	0%
56	$95	$196	$2,355	2%
57	$92	$191	$2,292	-3%
58	$93	$189	$2,264	-1%
59	$91	$189	$2,271	0%
60	$88	$183	$2,200	-3%
61	$89	$189	$2,267	3%
62	$90	$187	$2,245	-1%
63	$90	$183	$2,199	-2%
64	$89	$178	$2,135	-3%
65	$90	$175	$2,104	-1%
66	$91	$183	$2,191	4%
67	$92	$194	$2,323	6%
68	$91	$180	$2,159	-7%
69	$92	$181	$2,169	0%
70	$94	$191	$2,294	6%
71	$93	$186	$2,228	-3%
72	$94	$186	$2,230	0%
73	$99	$195	$2,342	5%
74	$96	$197	$2,359	1%
75	$99	$198	$2,378	1%

Last Updated Aug. 5, 2026

Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $512/mo. Rates fall to $175/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 19% to $317 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	$286	$557	$6,680	–
17	$221	$449	$5,388	-19%
18	$219	$422	$5,060	-6%
19	$210	$443	$5,316	5%
20	$184	$393	$4,720	-11%
21	$160	$317	$3,800	-19%
22	$142	$301	$3,615	-5%
23	$130	$276	$3,307	-9%
24	$128	$280	$3,359	2%
25	$120	$259	$3,106	-8%
26	$118	$253	$3,035	-2%
27	$116	$260	$3,115	3%
28	$108	$240	$2,878	-8%
29	$106	$232	$2,784	-3%
30	$111	$235	$2,823	1%
31	$105	$232	$2,786	-1%
32	$100	$217	$2,601	-7%
33	$101	$213	$2,556	-2%
34	$94	$214	$2,567	0%
35	$98	$211	$2,533	-1%
36	$95	$207	$2,490	-2%
37	$98	$213	$2,561	3%
38	$91	$205	$2,461	-4%
39	$95	$215	$2,580	5%
40	$96	$212	$2,547	-1%
41	$90	$191	$2,287	-10%
42	$87	$186	$2,228	-3%
43	$87	$208	$2,498	12%
44	$87	$196	$2,352	-6%
45	$85	$190	$2,283	-3%
46	$86	$187	$2,242	-2%
47	$85	$192	$2,305	3%
48	$86	$193	$2,311	0%
49	$87	$189	$2,266	-2%
50	$81	$184	$2,210	-2%
51	$79	$170	$2,040	-8%
52	$83	$187	$2,245	10%
53	$81	$181	$2,167	-3%
54	$76	$167	$2,001	-8%
55	$84	$183	$2,201	10%
56	$78	$169	$2,028	-8%
57	$78	$162	$1,942	-4%
58	$78	$176	$2,111	9%
59	$78	$167	$2,005	-5%
60	$71	$152	$1,827	-9%
61	$76	$161	$1,935	6%
62	$76	$161	$1,930	-0%
63	$76	$152	$1,830	-5%
64	$73	$161	$1,932	6%
65	$72	$150	$1,802	-7%
66	$73	$148	$1,770	-2%
67	$74	$151	$1,810	2%
68	$76	$152	$1,822	1%
69	$74	$147	$1,761	-3%
70	$78	$159	$1,912	9%
71	$77	$154	$1,843	-4%
72	$80	$164	$1,967	7%
73	$75	$145	$1,746	-11%
74	$81	$148	$1,778	2%
75	$82	$169	$2,031	14%

Last Updated Aug. 5, 2026

Key takeaway: Colorado’s steepest drop is 19% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $169/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 19% to $434 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	$638	$7,651	-17%
18	$398	$750	$8,998	18%
19	$321	$612	$7,340	-18%
20	$273	$533	$6,400	-13%
21	$227	$434	$5,203	-19%
22	$229	$426	$5,111	-2%
23	$216	$396	$4,755	-7%
24	$199	$375	$4,495	-5%
25	$190	$381	$4,566	2%
26	$184	$338	$4,056	-11%
27	$176	$313	$3,758	-7%
28	$172	$307	$3,684	-2%
29	$179	$312	$3,749	2%
30	$171	$298	$3,573	-5%
31	$169	$301	$3,613	1%
32	$160	$277	$3,327	-8%
33	$162	$274	$3,289	-1%
34	$159	$266	$3,192	-3%
35	$162	$278	$3,335	4%
36	$164	$281	$3,366	1%
37	$155	$264	$3,170	-6%
38	$158	$268	$3,220	2%
39	$156	$258	$3,097	-4%
40	$153	$259	$3,107	0%
41	$147	$259	$3,102	-0%
42	$147	$245	$2,938	-5%
43	$152	$253	$3,039	3%
44	$152	$264	$3,164	4%
45	$160	$277	$3,327	5%
46	$155	$255	$3,062	-8%
47	$147	$253	$3,032	-1%
48	$140	$234	$2,805	-7%
49	$150	$255	$3,066	9%
50	$144	$254	$3,053	-0%
51	$140	$239	$2,865	-6%
52	$135	$233	$2,797	-2%
53	$139	$242	$2,905	4%
54	$136	$230	$2,764	-5%
55	$145	$242	$2,898	5%
56	$135	$230	$2,763	-5%
57	$125	$214	$2,564	-7%
58	$133	$218	$2,614	2%
59	$123	$200	$2,398	-8%
60	$128	$223	$2,681	12%
61	$118	$202	$2,424	-10%
62	$120	$202	$2,419	-0%
63	$119	$204	$2,447	1%
64	$117	$197	$2,359	-4%
65	$119	$197	$2,359	-0%
66	$117	$199	$2,384	1%
67	$115	$195	$2,343	-2%
68	$116	$199	$2,393	2%
69	$131	$216	$2,591	8%
70	$121	$206	$2,473	-5%
71	$122	$204	$2,451	-1%
72	$121	$213	$2,551	4%
73	$128	$236	$2,831	11%
74	$115	$215	$2,581	-9%
75	$126	$226	$2,717	5%

Last Updated Aug. 5, 2026

Key takeaway: Connecticut 16-year-olds average $768/mo, among the highest nationally. The biggest drop, 23%, happens at age 21 (19%). Even at 75, the average stays elevated at $226/mo.

Delaware

Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $479 per month before a steep 33% 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

17	$351	$578	$6,940	–
18	$349	$691	$8,294	20%
19	$274	$479	$5,752	-31%
20	$187	$322	$3,868	-33%
21	$203	$327	$3,927	2%
22	$175	$289	$3,473	-12%
23	$175	$290	$3,485	0%
24	$154	$266	$3,191	-8%
25	$156	$254	$3,045	-5%
26	$142	$226	$2,717	-11%
27	$145	$231	$2,771	2%
28	$136	$225	$2,701	-3%
29	$145	$227	$2,727	1%
30	$140	$238	$2,854	5%
31	$140	$240	$2,876	1%
32	$132	$215	$2,576	-10%
33	$130	$212	$2,538	-1%
34	$131	$207	$2,478	-2%
35	$130	$216	$2,595	5%
36	$122	$196	$2,356	-9%
37	$120	$205	$2,459	4%
38	$131	$212	$2,549	4%
39	$130	$196	$2,351	-8%
40	$121	$192	$2,299	-2%
41	$133	$209	$2,510	9%
42	$124	$199	$2,386	-5%
43	$120	$187	$2,239	-6%
44	$127	$218	$2,620	17%
45	$121	$209	$2,512	-4%
46	$126	$206	$2,470	-2%
47	$118	$199	$2,388	-3%
48	$116	$190	$2,282	-4%
49	$116	$196	$2,356	3%
50	$109	$176	$2,107	-11%
51	$134	$220	$2,640	25%
52	$106	$184	$2,211	-16%
53	$109	$179	$2,146	-3%
54	$115	$190	$2,279	6%
55	$106	$170	$2,040	-10%
56	$111	$187	$2,246	10%
57	$108	$179	$2,147	-4%
58	$99	$180	$2,161	1%
59	$98	$162	$1,950	-10%
60	$107	$174	$2,088	7%
61	$100	$165	$1,982	-5%
62	$96	$159	$1,913	-3%
63	$110	$166	$1,991	4%
64	$101	$158	$1,891	-5%
65	$96	$162	$1,942	3%
66	$91	$155	$1,863	-4%
67	$90	$150	$1,801	-3%
68	$101	$167	$2,007	11%
69	$109	$172	$2,068	3%
70	$106	$177	$2,126	3%
71	$111	$189	$2,273	7%
72	$92	$155	$1,858	-18%
73	$91	$154	$1,844	-1%
74	$99	$157	$1,880	2%
75	$93	$162	$1,941	3%

Last Updated Aug. 5, 2026

Key takeaway: Delaware rates peak at 18 ($479/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 $501 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 $266 per month, and by 65 it reaches $182 per month. Florida’s rates level off more slowly after 65 than most states, with 75-year-olds averaging $177 per month.

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

16	$212	$493	$5,912	–
17	$205	$508	$6,098	3%
18	$205	$501	$6,015	-1%
19	$180	$442	$5,305	-12%
20	$156	$390	$4,683	-12%
21	$143	$355	$4,259	-9%
22	$135	$340	$4,076	-4%
23	$127	$304	$3,653	-10%
24	$127	$298	$3,572	-2%
25	$121	$292	$3,499	-2%
26	$113	$281	$3,377	-3%
27	$116	$285	$3,424	1%
28	$117	$278	$3,341	-2%
29	$110	$273	$3,276	-2%
30	$114	$266	$3,198	-2%
31	$108	$264	$3,168	-1%
32	$106	$258	$3,098	-2%
33	$103	$252	$3,022	-2%
34	$103	$250	$2,997	-1%
35	$102	$242	$2,901	-3%
36	$98	$241	$2,888	-0%
37	$101	$245	$2,941	2%
38	$96	$234	$2,806	-5%
39	$98	$236	$2,834	1%
40	$99	$236	$2,833	-0%
41	$95	$234	$2,804	-1%
42	$98	$234	$2,803	-0%
43	$93	$228	$2,730	-3%
44	$92	$227	$2,726	-0%
45	$92	$220	$2,635	-3%
46	$93	$230	$2,763	5%
47	$90	$222	$2,659	-4%
48	$87	$222	$2,662	0%
49	$90	$230	$2,761	4%
50	$88	$223	$2,680	-3%
51	$91	$220	$2,639	-2%
52	$87	$213	$2,555	-3%
53	$84	$210	$2,524	-1%
54	$84	$208	$2,499	-1%
55	$84	$203	$2,432	-3%
56	$80	$197	$2,365	-3%
57	$79	$190	$2,274	-4%
58	$80	$193	$2,310	2%
59	$78	$190	$2,284	-1%
60	$77	$187	$2,247	-2%
61	$76	$183	$2,197	-2%
62	$78	$184	$2,213	1%
63	$76	$187	$2,239	1%
64	$75	$180	$2,161	-3%
65	$76	$182	$2,189	1%
66	$74	$176	$2,107	-4%
67	$76	$178	$2,136	1%
68	$74	$178	$2,136	0%
69	$75	$180	$2,155	1%
70	$74	$178	$2,141	-1%
71	$78	$187	$2,245	5%
72	$77	$181	$2,171	-3%
73	$74	$177	$2,124	-2%
74	$78	$189	$2,270	7%
75	$76	$177	$2,127	-6%

Last Updated Aug. 5, 2026

Key takeaway: Florida rates peak at 18 ($501/mo) before falling. PIP coverage is required statewide, which adds to premiums at every age. By 65, the average is $182/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 $831 per month compared to $685 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 $540 per month. By 30, it reaches $325 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 $256 per month, and 75-year-olds average $282 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	$351	$685	$8,224	–
17	$340	$656	$7,867	-4%
18	$426	$831	$9,976	27%
19	$367	$701	$8,409	-16%
20	$334	$624	$7,485	-11%
21	$292	$540	$6,482	-13%
22	$258	$488	$5,855	-10%
23	$246	$448	$5,370	-8%
24	$231	$417	$5,004	-7%
25	$214	$386	$4,635	-7%
26	$206	$368	$4,412	-5%
27	$198	$354	$4,250	-4%
28	$190	$343	$4,120	-3%
29	$187	$337	$4,040	-2%
30	$184	$325	$3,899	-3%
31	$178	$316	$3,790	-3%
32	$184	$317	$3,809	1%
33	$178	$313	$3,750	-2%
34	$173	$308	$3,698	-1%
35	$175	$310	$3,723	1%
36	$176	$311	$3,737	0%
37	$172	$306	$3,670	-2%
38	$173	$313	$3,754	2%
39	$167	$289	$3,471	-8%
40	$166	$295	$3,541	2%
41	$161	$288	$3,450	-3%
42	$162	$285	$3,421	-1%
43	$154	$276	$3,309	-3%
44	$160	$282	$3,383	2%
45	$161	$280	$3,357	-1%
46	$150	$266	$3,194	-5%
47	$146	$267	$3,208	0%
48	$153	$276	$3,314	3%
49	$149	$273	$3,275	-1%
50	$154	$271	$3,251	-1%
51	$144	$253	$3,036	-7%
52	$145	$255	$3,059	1%
53	$141	$249	$2,983	-2%
54	$138	$244	$2,928	-2%
55	$139	$253	$3,037	4%
56	$140	$252	$3,025	-0%
57	$143	$254	$3,045	1%
58	$135	$237	$2,847	-6%
59	$136	$249	$2,982	5%
60	$142	$251	$3,016	1%
61	$139	$253	$3,031	1%
62	$140	$242	$2,907	-4%
63	$138	$249	$2,983	3%
64	$141	$247	$2,968	-1%
65	$143	$256	$3,068	3%
66	$142	$261	$3,136	2%
67	$137	$246	$2,955	-6%
68	$142	$252	$3,018	2%
69	$140	$253	$3,038	1%
70	$141	$252	$3,030	-0%
71	$146	$259	$3,113	3%
72	$150	$268	$3,213	3%
73	$141	$264	$3,174	-1%
74	$145	$259	$3,111	-2%
75	$148	$282	$3,381	9%

Last Updated Aug. 5, 2026

Key takeaway: Georgia 18-year-olds average $831/mo, higher than at 16. Atlanta drives rates above the national average statewide. By 65, drivers average $256/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 $284 per month. By 30, that figure drops to just $113 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	$132	$284	$3,406	–
17	$134	$229	$2,751	-19%
18	$162	$260	$3,122	13%
19	$128	$216	$2,597	-17%
20	$111	$204	$2,453	-6%
21	$107	$186	$2,227	-9%
22	$82	$145	$1,744	-22%
23	$68	$132	$1,578	-10%
24	$65	$120	$1,440	-9%
25	$69	$133	$1,594	11%
26	$66	$137	$1,647	3%
27	$56	$109	$1,306	-21%
28	$64	$132	$1,586	21%
29	$62	$109	$1,310	-17%
30	$55	$113	$1,357	4%
31	$56	$104	$1,247	-8%
32	$62	$120	$1,443	16%
33	$53	$104	$1,242	-14%
34	$64	$118	$1,413	14%
35	$62	$108	$1,295	-8%
36	$52	$99	$1,191	-8%
37	$54	$105	$1,260	6%
38	$49	$85	$1,024	-19%
39	$54	$100	$1,204	18%
40	$53	$96	$1,155	-4%
41	$56	$113	$1,354	17%
42	$56	$98	$1,175	-13%
43	$56	$102	$1,221	4%
44	$54	$99	$1,190	-3%
45	$51	$90	$1,079	-9%
46	$58	$113	$1,351	25%
47	$46	$82	$978	-28%
48	$56	$95	$1,139	16%
49	$50	$87	$1,040	-9%
50	$53	$90	$1,080	4%
51	$49	$94	$1,124	4%
52	$44	$82	$987	-12%
53	$50	$93	$1,118	13%
54	$46	$80	$960	-14%
55	$51	$88	$1,061	11%
56	$42	$73	$874	-18%
57	$52	$93	$1,117	28%
58	$43	$80	$961	-14%
59	$42	$74	$891	-7%
60	$41	$73	$873	-2%
61	$35	$64	$767	-12%
62	$44	$77	$923	20%
63	$40	$72	$866	-6%
64	$44	$84	$1,013	17%
65	$48	$75	$898	-11%
66	$41	$76	$915	2%
67	$40	$72	$862	-6%
68	$39	$69	$825	-4%
69	$39	$70	$843	2%
70	$39	$67	$803	-5%
71	$44	$79	$945	18%
72	$40	$76	$910	-4%
73	$40	$72	$865	-5%
74	$41	$68	$817	-6%
75	$44	$78	$941	15%

Last Updated Aug. 5, 2026

Key takeaway: Idaho is among the cheapest states at every age. Teens average $284/mo at 16, dropping to just $113/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 $336 per month, which is below the national teen average, making it more affordable than most states for young drivers at the state level.

Rates fall consistently through the 20s and 30s. The biggest year-over-year drops come at 21 and 22, where rates fall 14% and 12% respectively, steeper than the national average for those years. By 30, Illinois drivers average $187 per month. Rates continue declining into the 60s, reaching $132 per month at age 65. By 75, the average is $132 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	$190	$336	$4,038	–
17	$203	$373	$4,481	11%
18	$198	$392	$4,703	5%
19	$189	$391	$4,688	-0%
20	$175	$392	$4,701	0%
21	$154	$336	$4,029	-14%
22	$132	$296	$3,552	-12%
23	$130	$262	$3,140	-12%
24	$121	$237	$2,841	-10%
25	$112	$221	$2,657	-6%
26	$107	$206	$2,477	-7%
27	$99	$193	$2,319	-6%
28	$99	$192	$2,305	-1%
29	$102	$193	$2,315	0%
30	$95	$187	$2,244	-3%
31	$93	$182	$2,182	-3%
32	$102	$198	$2,379	9%
33	$94	$180	$2,158	-9%
34	$91	$182	$2,185	1%
35	$90	$180	$2,166	-1%
36	$89	$177	$2,119	-2%
37	$90	$173	$2,076	-2%
38	$93	$182	$2,179	5%
39	$97	$190	$2,276	4%
40	$85	$165	$1,984	-13%
41	$81	$157	$1,884	-5%
42	$86	$163	$1,954	4%
43	$88	$164	$1,968	1%
44	$87	$167	$2,000	2%
45	$84	$158	$1,899	-5%
46	$83	$160	$1,922	1%
47	$88	$164	$1,965	2%
48	$82	$155	$1,864	-5%
49	$80	$155	$1,857	-0%
50	$81	$150	$1,803	-3%
51	$84	$161	$1,927	7%
52	$82	$151	$1,814	-6%
53	$80	$152	$1,826	1%
54	$78	$146	$1,752	-4%
55	$82	$159	$1,911	9%
56	$76	$142	$1,698	-11%
57	$77	$141	$1,697	-0%
58	$74	$141	$1,694	-0%
59	$80	$149	$1,784	5%
60	$78	$143	$1,711	-4%
61	$75	$143	$1,711	0%
62	$74	$139	$1,673	-2%
63	$72	$136	$1,636	-2%
64	$76	$142	$1,709	4%
65	$73	$132	$1,584	-7%
66	$72	$140	$1,678	6%
67	$76	$137	$1,647	-2%
68	$73	$134	$1,603	-3%
69	$75	$136	$1,637	2%
70	$75	$143	$1,717	5%
71	$70	$135	$1,624	-5%
72	$76	$143	$1,720	6%
73	$74	$132	$1,588	-8%
74	$73	$132	$1,589	0%
75	$73	$132	$1,589	0%

Last Updated Aug. 5, 2026

Key takeaway: Illinois 16-year-olds average $336/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 $336 per month and by 30 the average drops to $147 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	$336	$4,030	–
17	$139	$274	$3,284	-19%
18	$149	$298	$3,575	9%
19	$134	$269	$3,233	-10%
20	$124	$267	$3,202	-1%
21	$109	$226	$2,709	-15%
22	$100	$206	$2,478	-9%
23	$93	$187	$2,247	-9%
24	$90	$179	$2,149	-4%
25	$84	$174	$2,088	-3%
26	$81	$156	$1,874	-10%
27	$80	$150	$1,795	-4%
28	$82	$157	$1,887	5%
29	$76	$146	$1,748	-7%
30	$78	$147	$1,767	1%
31	$72	$147	$1,763	-0%
32	$74	$139	$1,665	-6%
33	$70	$129	$1,550	-7%
34	$69	$134	$1,605	4%
35	$67	$125	$1,498	-7%
36	$73	$137	$1,649	10%
37	$69	$131	$1,575	-4%
38	$72	$133	$1,596	1%
39	$68	$130	$1,559	-2%
40	$71	$141	$1,695	9%
41	$66	$128	$1,542	-9%
42	$67	$133	$1,592	3%
43	$67	$127	$1,522	-4%
44	$63	$121	$1,457	-4%
45	$67	$128	$1,533	5%
46	$66	$131	$1,567	2%
47	$65	$124	$1,484	-5%
48	$62	$119	$1,434	-3%
49	$64	$124	$1,487	4%
50	$63	$117	$1,402	-6%
51	$65	$126	$1,509	8%
52	$65	$116	$1,393	-8%
53	$63	$120	$1,436	3%
54	$59	$112	$1,341	-7%
55	$58	$110	$1,316	-2%
56	$54	$102	$1,224	-7%
57	$60	$117	$1,404	15%
58	$57	$105	$1,260	-10%
59	$55	$104	$1,249	-1%
60	$59	$109	$1,304	4%
61	$61	$114	$1,373	5%
62	$54	$107	$1,280	-7%
63	$55	$109	$1,310	2%
64	$55	$107	$1,286	-2%
65	$55	$103	$1,235	-4%
66	$57	$107	$1,288	4%
67	$58	$104	$1,248	-3%
68	$52	$102	$1,224	-2%
69	$56	$102	$1,221	-0%
70	$59	$111	$1,336	9%
71	$64	$115	$1,385	4%
72	$59	$107	$1,282	-7%
73	$61	$109	$1,312	2%
74	$66	$117	$1,404	7%
75	$64	$114	$1,374	-2%

Last Updated Aug. 5, 2026

Key takeaway: Indiana rates are affordable across all age groups; 16-year-olds average $336/mo, and by 30 the average falls to $147/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	$127	$213	$2,552	-11%
18	$121	$231	$2,778	9%
19	$118	$215	$2,584	-7%
20	$84	$174	$2,089	-19%
21	$90	$172	$2,064	-1%
22	$71	$141	$1,688	-18%
23	$66	$111	$1,329	-21%
24	$62	$115	$1,381	4%
25	$60	$112	$1,348	-2%
26	$55	$103	$1,240	-8%
27	$62	$114	$1,367	10%
28	$59	$108	$1,296	-5%
29	$64	$124	$1,489	15%
30	$58	$102	$1,220	-18%
31	$58	$110	$1,325	9%
32	$62	$116	$1,391	5%
33	$58	$103	$1,232	-11%
34	$56	$103	$1,237	0%
35	$51	$97	$1,165	-6%
36	$50	$90	$1,078	-7%
37	$49	$86	$1,031	-4%
38	$48	$89	$1,069	4%
39	$55	$95	$1,143	7%
40	$49	$94	$1,124	-2%
41	$53	$100	$1,200	7%
42	$50	$92	$1,110	-8%
43	$49	$94	$1,130	2%
44	$48	$90	$1,083	-4%
45	$54	$102	$1,226	13%
46	$47	$82	$986	-20%
47	$46	$86	$1,036	5%
48	$51	$82	$980	-5%
49	$45	$87	$1,041	6%
50	$47	$83	$992	-5%
51	$42	$83	$995	0%
52	$45	$86	$1,036	4%
53	$44	$87	$1,049	1%
54	$41	$76	$910	-13%
55	$41	$73	$872	-4%
56	$41	$83	$992	14%
57	$46	$82	$984	-1%
58	$41	$76	$914	-7%
59	$36	$73	$874	-4%
60	$36	$75	$897	3%
61	$40	$75	$897	-0%
62	$37	$70	$842	-6%
63	$40	$71	$850	1%
64	$34	$66	$792	-7%
65	$36	$76	$909	15%
66	$36	$66	$793	-13%
67	$31	$61	$734	-7%
68	$42	$71	$848	16%
69	$33	$70	$840	-1%
70	$32	$64	$765	-9%
71	$52	$82	$986	29%
72	$35	$72	$860	-13%
73	$37	$77	$922	7%
74	$37	$77	$919	-0%
75	$40	$74	$885	-4%

Last Updated Aug. 5, 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 $308 per month, and rates decline steadily with age, reaching $103 per month at 65.

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

16	$193	$308	$3,700	–
17	$185	$295	$3,545	-4%
18	$177	$322	$3,868	9%
19	$148	$284	$3,408	-12%
20	$139	$259	$3,113	-9%
21	$118	$242	$2,900	-7%
22	$120	$226	$2,706	-7%
23	$106	$198	$2,377	-12%
24	$97	$170	$2,045	-14%
25	$96	$177	$2,118	4%
26	$90	$164	$1,973	-7%
27	$88	$172	$2,065	5%
28	$81	$159	$1,903	-8%
29	$83	$149	$1,791	-6%
30	$83	$151	$1,811	1%
31	$86	$155	$1,858	3%
32	$81	$148	$1,774	-5%
33	$81	$150	$1,797	1%
34	$82	$148	$1,775	-1%
35	$81	$145	$1,738	-2%
36	$77	$149	$1,789	3%
37	$78	$143	$1,717	-4%
38	$74	$137	$1,646	-4%
39	$71	$131	$1,569	-5%
40	$72	$136	$1,637	4%
41	$71	$131	$1,573	-4%
42	$76	$139	$1,664	6%
43	$75	$132	$1,587	-5%
44	$78	$142	$1,709	8%
45	$75	$137	$1,648	-4%
46	$68	$128	$1,535	-7%
47	$68	$130	$1,564	2%
48	$72	$141	$1,696	8%
49	$70	$128	$1,536	-9%
50	$65	$118	$1,413	-8%
51	$64	$124	$1,482	5%
52	$73	$140	$1,686	14%
53	$65	$124	$1,487	-12%
54	$61	$108	$1,301	-12%
55	$70	$134	$1,604	23%
56	$58	$108	$1,298	-19%
57	$64	$124	$1,483	14%
58	$63	$104	$1,252	-16%
59	$61	$113	$1,354	8%
60	$56	$99	$1,191	-12%
61	$64	$114	$1,365	15%
62	$61	$112	$1,339	-2%
63	$63	$113	$1,354	1%
64	$62	$111	$1,338	-1%
65	$58	$103	$1,241	-7%
66	$61	$114	$1,367	10%
67	$68	$126	$1,515	11%
68	$59	$107	$1,281	-15%
69	$63	$108	$1,302	2%
70	$54	$96	$1,149	-12%
71	$67	$136	$1,627	42%
72	$60	$108	$1,296	-20%
73	$61	$110	$1,323	2%
74	$61	$118	$1,419	7%
75	$51	$96	$1,154	-19%

Last Updated Aug. 5, 2026

Key takeaway: Kansas rates are below average across most age groups. Kansas-based 16-year-olds average $308/mo and rates fall to $103/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	$293	$486	$5,832	2%
18	$250	$440	$5,282	-9%
19	$228	$483	$5,793	10%
20	$226	$479	$5,752	-1%
21	$200	$417	$5,005	-13%
22	$181	$384	$4,604	-8%
23	$163	$343	$4,118	-11%
24	$160	$336	$4,027	-2%
25	$159	$321	$3,851	-4%
26	$166	$345	$4,146	8%
27	$144	$298	$3,570	-14%
28	$150	$318	$3,812	7%
29	$147	$305	$3,654	-4%
30	$135	$280	$3,363	-8%
31	$139	$302	$3,628	8%
32	$146	$290	$3,484	-4%
33	$133	$289	$3,463	-1%
34	$132	$274	$3,284	-5%
35	$129	$274	$3,294	0%
36	$129	$283	$3,399	3%
37	$133	$288	$3,462	2%
38	$130	$289	$3,467	0%
39	$129	$276	$3,311	-4%
40	$129	$282	$3,382	2%
41	$128	$305	$3,656	8%
42	$118	$256	$3,072	-16%
43	$120	$274	$3,289	7%
44	$119	$256	$3,073	-7%
45	$120	$260	$3,123	2%
46	$120	$260	$3,118	-0%
47	$124	$270	$3,239	4%
48	$118	$235	$2,823	-13%
49	$120	$268	$3,211	14%
50	$118	$237	$2,840	-12%
51	$111	$235	$2,818	-1%
52	$109	$233	$2,791	-1%
53	$107	$226	$2,712	-3%
54	$110	$234	$2,807	4%
55	$112	$228	$2,731	-3%
56	$105	$212	$2,544	-7%
57	$105	$233	$2,790	10%
58	$104	$211	$2,533	-9%
59	$107	$225	$2,703	7%
60	$107	$232	$2,784	3%
61	$104	$221	$2,657	-5%
62	$103	$220	$2,644	-0%
63	$105	$224	$2,684	2%
64	$106	$219	$2,626	-2%
65	$104	$225	$2,699	3%
66	$102	$192	$2,304	-15%
67	$101	$205	$2,465	7%
68	$98	$190	$2,275	-8%
69	$101	$211	$2,528	11%
70	$107	$236	$2,837	12%
71	$110	$255	$3,055	8%
72	$110	$208	$2,497	-18%
73	$105	$230	$2,755	10%
74	$98	$196	$2,346	-15%
75	$102	$203	$2,432	4%

Last Updated Aug. 5, 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 $203/mo at 75

Louisiana

Louisiana consistently ranks among the most expensive states for car insurance in the country. Its 16-year-olds average $798 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	$410	$798	$9,579	–
17	$273	$479	$5,753	-40%
18	$294	$539	$6,469	12%
19	$244	$492	$5,901	-9%
20	$233	$477	$5,722	-3%
21	$194	$397	$4,761	-17%
22	$182	$373	$4,472	-6%
23	$171	$341	$4,093	-8%
24	$163	$318	$3,812	-7%
25	$146	$299	$3,584	-6%
26	$145	$284	$3,408	-5%
27	$128	$278	$3,340	-2%
28	$130	$274	$3,293	-1%
29	$123	$262	$3,148	-4%
30	$127	$263	$3,151	0%
31	$124	$267	$3,202	2%
32	$125	$268	$3,217	0%
33	$128	$274	$3,288	2%
34	$129	$296	$3,551	8%
35	$123	$290	$3,475	-2%
36	$118	$258	$3,098	-11%
37	$119	$263	$3,153	2%
38	$108	$241	$2,891	-8%
39	$120	$265	$3,178	10%
40	$110	$254	$3,047	-4%
41	$112	$248	$2,981	-2%
42	$106	$237	$2,845	-5%
43	$114	$259	$3,113	9%
44	$120	$273	$3,271	5%
45	$102	$231	$2,778	-15%
46	$111	$255	$3,054	10%
47	$106	$241	$2,888	-5%
48	$112	$249	$2,987	3%
49	$108	$242	$2,909	-3%
50	$108	$234	$2,813	-3%
51	$117	$271	$3,250	16%
52	$98	$225	$2,702	-17%
53	$100	$224	$2,686	-1%
54	$101	$222	$2,658	-1%
55	$102	$226	$2,710	2%
56	$85	$193	$2,320	-14%
57	$97	$213	$2,555	10%
58	$92	$210	$2,520	-1%
59	$88	$197	$2,360	-6%
60	$94	$221	$2,655	13%
61	$92	$211	$2,528	-5%
62	$88	$197	$2,363	-7%
63	$96	$209	$2,504	6%
64	$97	$207	$2,481	-1%
65	$96	$209	$2,508	1%
66	$93	$197	$2,361	-6%
67	$91	$190	$2,279	-3%
68	$102	$206	$2,474	9%
69	$100	$211	$2,537	3%
70	$87	$187	$2,249	-11%
71	$92	$189	$2,262	1%
72	$92	$195	$2,338	3%
73	$104	$212	$2,548	9%
74	$96	$204	$2,447	-4%
75	$90	$205	$2,458	0%

Last Updated Aug. 5, 2026

Key takeaway: Louisiana 16-year-olds average $798/mo, one of the highest in the country. High litigation and weather costs keep rates elevated at every age, reaching $205/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 $127 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	$321	$3,851	-22%
19	$165	$281	$3,367	-13%
20	$166	$276	$3,309	-2%
21	$126	$231	$2,769	-16%
22	$101	$182	$2,180	-21%
23	$91	$163	$1,953	-10%
24	$89	$167	$2,002	2%
25	$79	$138	$1,652	-18%
26	$76	$144	$1,729	5%
27	$75	$139	$1,663	-4%
28	$78	$136	$1,631	-2%
29	$80	$132	$1,578	-3%
30	$76	$127	$1,530	-3%
31	$72	$121	$1,446	-5%
32	$52	$99	$1,190	-18%
33	$66	$125	$1,500	26%
34	$68	$122	$1,463	-2%
35	$67	$120	$1,438	-2%
36	$68	$115	$1,379	-4%
37	$61	$101	$1,217	-12%
38	$61	$105	$1,264	4%
39	$56	$111	$1,333	5%
40	$73	$114	$1,372	3%
41	$64	$117	$1,408	3%
42	$61	$99	$1,185	-16%
43	$63	$110	$1,325	12%
44	$56	$106	$1,268	-4%
45	$61	$97	$1,159	-9%
46	$60	$106	$1,276	10%
47	$57	$105	$1,255	-2%
48	$53	$88	$1,058	-16%
49	$53	$97	$1,161	10%
50	$53	$98	$1,179	2%
51	$52	$93	$1,115	-5%
52	$55	$89	$1,073	-4%
53	$49	$90	$1,076	0%
54	$59	$111	$1,328	23%
55	$58	$92	$1,101	-17%
56	$45	$76	$911	-17%
57	$49	$83	$991	9%
58	$55	$95	$1,144	15%
59	$50	$97	$1,169	2%
60	$42	$79	$948	-19%
61	$50	$84	$1,006	6%
62	$46	$86	$1,031	2%
63	$42	$72	$864	-16%
64	$46	$78	$932	8%
65	$45	$76	$916	-2%
66	$39	$66	$787	-14%
67	$43	$72	$864	10%
68	$42	$69	$831	-4%
69	$37	$66	$793	-5%
70	$41	$70	$842	6%
71	$37	$68	$821	-2%
72	$50	$78	$932	14%
73	$49	$74	$892	-4%
74	$38	$67	$799	-11%
75	$37	$62	$738	-8%

Last Updated Aug. 5, 2026

Key takeaway: Maine offers some of the lowest rates in New England. By 30, the average is just $127/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	$451	$910	$10,923	-5%
18	$373	$773	$9,279	-15%
19	$327	$649	$7,789	-16%
20	$318	$615	$7,378	-5%
21	$290	$563	$6,752	-8%
22	$240	$478	$5,740	-15%
23	$239	$456	$5,474	-5%
24	$226	$430	$5,159	-6%
25	$222	$418	$5,016	-3%
26	$203	$380	$4,559	-9%
27	$203	$364	$4,374	-4%
28	$190	$358	$4,296	-2%
29	$191	$354	$4,245	-1%
30	$198	$346	$4,153	-2%
31	$194	$339	$4,073	-2%
32	$180	$319	$3,823	-6%
33	$180	$321	$3,854	1%
34	$177	$318	$3,812	-1%
35	$182	$334	$4,012	5%
36	$181	$327	$3,919	-2%
37	$182	$332	$3,984	2%
38	$191	$344	$4,130	4%
39	$170	$296	$3,549	-14%
40	$175	$304	$3,649	3%
41	$166	$320	$3,835	5%
42	$156	$297	$3,569	-7%
43	$165	$306	$3,668	3%
44	$157	$282	$3,389	-8%
45	$160	$274	$3,285	-3%
46	$158	$311	$3,730	14%
47	$155	$274	$3,284	-12%
48	$152	$276	$3,313	1%
49	$151	$270	$3,237	-2%
50	$161	$288	$3,452	7%
51	$141	$252	$3,020	-13%
52	$155	$271	$3,249	8%
53	$144	$246	$2,946	-9%
54	$153	$278	$3,333	13%
55	$147	$269	$3,223	-3%
56	$136	$252	$3,027	-6%
57	$141	$261	$3,133	3%
58	$136	$234	$2,806	-10%
59	$144	$264	$3,169	13%
60	$134	$254	$3,054	-4%
61	$130	$239	$2,865	-6%
62	$135	$239	$2,863	-0%
63	$129	$240	$2,882	1%
64	$143	$259	$3,109	8%
65	$137	$244	$2,922	-6%
66	$136	$234	$2,813	-4%
67	$132	$238	$2,853	1%
68	$140	$243	$2,921	2%
69	$132	$258	$3,097	6%
70	$122	$224	$2,683	-13%
71	$150	$269	$3,228	20%
72	$131	$243	$2,920	-10%
73	$133	$262	$3,141	8%
74	$132	$263	$3,154	0%
75	$109	$218	$2,620	-17%

Last Updated Aug. 5, 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 $244/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 $436 per month, and rates fall to $148 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	$436	$5,236	–
17	$385	$637	$7,649	46%
18	$361	$539	$6,464	-15%
19	$342	$541	$6,493	0%
20	$288	$497	$5,961	-8%
21	$276	$506	$6,077	2%
22	$246	$449	$5,384	-11%
23	$212	$385	$4,620	-14%
24	$198	$372	$4,462	-3%
25	$180	$355	$4,256	-5%
26	$175	$338	$4,050	-5%
27	$168	$343	$4,121	2%
28	$163	$319	$3,833	-7%
29	$152	$296	$3,555	-7%
30	$153	$288	$3,453	-3%
31	$147	$276	$3,308	-4%
32	$148	$272	$3,260	-1%
33	$130	$263	$3,154	-3%
34	$133	$244	$2,932	-7%
35	$136	$253	$3,036	4%
36	$131	$252	$3,026	-0%
37	$124	$218	$2,616	-14%
38	$128	$229	$2,748	5%
39	$127	$234	$2,807	2%
40	$118	$223	$2,681	-4%
41	$116	$214	$2,566	-4%
42	$118	$222	$2,669	4%
43	$116	$224	$2,691	1%
44	$117	$212	$2,549	-5%
45	$115	$214	$2,572	1%
46	$116	$218	$2,612	2%
47	$108	$189	$2,269	-13%
48	$114	$196	$2,348	3%
49	$104	$185	$2,220	-5%
50	$111	$187	$2,239	1%
51	$105	$178	$2,142	-4%
52	$110	$188	$2,254	5%
53	$106	$201	$2,411	7%
54	$99	$186	$2,230	-7%
55	$96	$177	$2,119	-5%
56	$99	$180	$2,164	2%
57	$98	$171	$2,055	-5%
58	$102	$183	$2,200	7%
59	$91	$178	$2,140	-3%
60	$93	$172	$2,064	-4%
61	$90	$160	$1,916	-7%
62	$84	$156	$1,866	-3%
63	$82	$158	$1,892	1%
64	$89	$172	$2,066	9%
65	$81	$148	$1,771	-14%
66	$76	$152	$1,825	3%
67	$75	$134	$1,605	-12%
68	$76	$156	$1,871	17%
69	$76	$139	$1,663	-11%
70	$84	$153	$1,840	11%
71	$84	$146	$1,749	-5%
72	$74	$131	$1,572	-10%
73	$67	$123	$1,481	-6%
74	$84	$145	$1,738	17%
75	$82	$132	$1,584	-9%

Last Updated Aug. 5, 2026

Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $436/mo. Rates drop significantly with age, reaching $148/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 $598 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	$268	$598	$7,175	–
17	$236	$440	$5,285	-26%
18	$243	$473	$5,677	7%
19	$222	$435	$5,217	-8%
20	$198	$389	$4,672	-10%
21	$178	$349	$4,187	-10%
22	$149	$296	$3,554	-15%
23	$155	$305	$3,661	3%
24	$144	$282	$3,388	-7%
25	$138	$281	$3,370	-1%
26	$133	$251	$3,014	-11%
27	$137	$257	$3,087	2%
28	$131	$251	$3,010	-2%
29	$130	$240	$2,882	-4%
30	$131	$249	$2,986	4%
31	$129	$254	$3,043	2%
32	$127	$231	$2,775	-9%
33	$124	$226	$2,710	-2%
34	$121	$229	$2,752	2%
35	$126	$247	$2,966	8%
36	$129	$240	$2,885	-3%
37	$126	$235	$2,822	-2%
38	$118	$218	$2,612	-7%
39	$119	$239	$2,865	10%
40	$116	$218	$2,621	-9%
41	$117	$213	$2,558	-2%
42	$122	$224	$2,684	5%
43	$121	$225	$2,697	0%
44	$118	$223	$2,677	-1%
45	$114	$219	$2,632	-2%
46	$118	$226	$2,707	3%
47	$120	$223	$2,676	-1%
48	$114	$213	$2,561	-4%
49	$122	$227	$2,721	6%
50	$115	$224	$2,687	-1%
51	$120	$233	$2,801	4%
52	$115	$227	$2,720	-3%
53	$119	$222	$2,666	-2%
54	$116	$222	$2,663	-0%
55	$112	$227	$2,721	2%
56	$113	$216	$2,594	-5%
57	$110	$212	$2,547	-2%
58	$106	$205	$2,454	-4%
59	$106	$206	$2,474	1%
60	$107	$211	$2,529	2%
61	$101	$195	$2,341	-7%
62	$101	$193	$2,315	-1%
63	$99	$193	$2,319	0%
64	$98	$183	$2,198	-5%
65	$98	$198	$2,376	8%
66	$98	$192	$2,302	-3%
67	$100	$194	$2,329	1%
68	$95	$193	$2,311	-1%
69	$94	$188	$2,257	-2%
70	$97	$185	$2,224	-1%
71	$99	$210	$2,515	13%
72	$93	$183	$2,200	-13%
73	$94	$193	$2,310	5%
74	$97	$189	$2,274	-2%
75	$89	$191	$2,291	1%

Last Updated Aug. 5, 2026

Key takeaway: Michigan rates are above average at every age due to PIP requirements; 16-year-olds average $598/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	$222	$454	$5,446	40%
18	$224	$428	$5,140	-6%
19	$208	$404	$4,853	-6%
20	$163	$313	$3,750	-23%
21	$121	$253	$3,040	-19%
22	$119	$246	$2,947	-3%
23	$117	$221	$2,656	-10%
24	$107	$199	$2,391	-10%
25	$104	$201	$2,407	1%
26	$107	$201	$2,416	0%
27	$110	$197	$2,367	-2%
28	$102	$188	$2,251	-5%
29	$96	$195	$2,342	4%
30	$112	$209	$2,503	7%
31	$88	$169	$2,022	-19%
32	$94	$178	$2,133	5%
33	$108	$205	$2,464	16%
34	$90	$167	$2,000	-19%
35	$92	$165	$1,980	-1%
36	$93	$171	$2,048	3%
37	$94	$178	$2,141	5%
38	$89	$160	$1,920	-10%
39	$93	$159	$1,914	-0%
40	$90	$160	$1,919	0%
41	$82	$155	$1,866	-3%
42	$86	$148	$1,779	-5%
43	$83	$147	$1,767	-1%
44	$88	$156	$1,867	6%
45	$83	$152	$1,823	-2%
46	$81	$143	$1,712	-6%
47	$88	$156	$1,876	10%
48	$84	$151	$1,808	-4%
49	$81	$146	$1,751	-3%
50	$80	$131	$1,569	-10%
51	$81	$147	$1,759	12%
52	$78	$142	$1,703	-3%
53	$84	$155	$1,856	9%
54	$81	$153	$1,831	-1%
55	$76	$139	$1,669	-9%
56	$75	$138	$1,653	-1%
57	$75	$137	$1,646	-0%
58	$66	$117	$1,406	-15%
59	$71	$128	$1,530	9%
60	$67	$118	$1,418	-7%
61	$70	$114	$1,365	-4%
62	$59	$108	$1,297	-5%
63	$70	$116	$1,391	7%
64	$61	$107	$1,288	-7%
65	$56	$100	$1,201	-7%
66	$56	$97	$1,166	-3%
67	$71	$112	$1,349	16%
68	$54	$96	$1,153	-14%
69	$65	$122	$1,468	27%
70	$58	$105	$1,256	-14%
71	$69	$122	$1,461	16%
72	$74	$146	$1,749	20%
73	$59	$92	$1,102	-37%
74	$62	$115	$1,379	25%
75	$66	$112	$1,348	-2%

Last Updated Aug. 5, 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 14% at age 18 and continue rising through age 20, peaking at $342 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	$282	$3,390	-6%
18	$160	$321	$3,856	14%
19	$147	$363	$4,354	13%
20	$138	$342	$4,107	-6%
21	$118	$309	$3,704	-10%
22	$118	$302	$3,625	-2%
23	$108	$261	$3,126	-14%
24	$104	$244	$2,933	-6%
25	$97	$246	$2,952	1%
26	$91	$236	$2,831	-4%
27	$95	$238	$2,856	1%
28	$91	$239	$2,866	0%
29	$86	$205	$2,461	-14%
30	$84	$192	$2,309	-6%
31	$83	$230	$2,761	20%
32	$84	$206	$2,475	-10%
33	$84	$230	$2,760	12%
34	$81	$203	$2,436	-12%
35	$84	$214	$2,570	5%
36	$78	$199	$2,387	-7%
37	$78	$193	$2,318	-3%
38	$82	$198	$2,374	2%
39	$80	$205	$2,454	3%
40	$74	$183	$2,194	-11%
41	$75	$207	$2,487	13%
42	$74	$192	$2,304	-7%
43	$80	$197	$2,359	2%
44	$76	$193	$2,321	-2%
45	$75	$195	$2,345	1%
46	$75	$196	$2,355	0%
47	$77	$203	$2,440	4%
48	$71	$183	$2,201	-10%
49	$71	$169	$2,024	-8%
50	$73	$170	$2,039	1%
51	$71	$185	$2,216	9%
52	$70	$175	$2,097	-5%
53	$68	$160	$1,915	-9%
54	$70	$161	$1,930	1%
55	$66	$157	$1,886	-2%
56	$69	$166	$1,992	6%
57	$67	$152	$1,824	-8%
58	$62	$149	$1,790	-2%
59	$71	$169	$2,032	14%
60	$64	$137	$1,640	-19%
61	$64	$145	$1,735	6%
62	$70	$160	$1,924	11%
63	$64	$140	$1,677	-13%
64	$67	$162	$1,939	16%
65	$61	$137	$1,647	-15%
66	$64	$142	$1,709	4%
67	$61	$130	$1,565	-8%
68	$61	$126	$1,512	-3%
69	$62	$139	$1,671	11%
70	$62	$135	$1,619	-3%
71	$69	$138	$1,661	3%
72	$69	$160	$1,919	16%
73	$68	$182	$2,187	14%
74	$75	$206	$2,475	13%
75	$66	$170	$2,040	-18%

Last Updated Aug. 5, 2026

Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $342/mo at age 20. After that, rates decline steadily, reaching $137/mo by age 65.

Missouri

Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $431 and $399 per month between ages 16 and 20. The overall trend is downward, and by 30 the average settles to a more consistent $238 per month.

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

16	$261	$431	$5,175	–
17	$219	$379	$4,543	-12%
18	$236	$474	$5,683	25%
19	$210	$400	$4,798	-16%
20	$207	$399	$4,789	-0%
21	$174	$339	$4,063	-15%
22	$163	$326	$3,915	-4%
23	$143	$279	$3,351	-14%
24	$138	$263	$3,159	-6%
25	$140	$276	$3,316	5%
26	$134	$252	$3,025	-9%
27	$131	$253	$3,030	0%
28	$119	$226	$2,707	-11%
29	$126	$246	$2,948	9%
30	$124	$238	$2,855	-3%
31	$120	$231	$2,767	-3%
32	$120	$234	$2,807	1%
33	$115	$215	$2,584	-8%
34	$117	$232	$2,790	8%
35	$111	$209	$2,508	-10%
36	$109	$215	$2,580	3%
37	$110	$216	$2,588	0%
38	$115	$219	$2,626	1%
39	$107	$208	$2,494	-5%
40	$113	$215	$2,575	3%
41	$108	$207	$2,489	-3%
42	$105	$205	$2,459	-1%
43	$104	$195	$2,341	-5%
44	$108	$199	$2,382	2%
45	$108	$204	$2,453	3%
46	$102	$195	$2,337	-5%
47	$104	$194	$2,331	-0%
48	$98	$191	$2,295	-2%
49	$103	$192	$2,303	0%
50	$100	$194	$2,326	1%
51	$93	$184	$2,214	-5%
52	$103	$193	$2,320	5%
53	$90	$164	$1,967	-15%
54	$96	$176	$2,117	8%
55	$95	$177	$2,127	0%
56	$83	$168	$2,011	-5%
57	$91	$173	$2,074	3%
58	$85	$164	$1,963	-5%
59	$90	$170	$2,036	4%
60	$84	$167	$2,007	-1%
61	$89	$170	$2,040	2%
62	$86	$161	$1,928	-5%
63	$86	$174	$2,089	8%
64	$87	$160	$1,925	-8%
65	$80	$154	$1,848	-4%
66	$86	$166	$1,990	8%
67	$76	$154	$1,853	-7%
68	$82	$156	$1,869	1%
69	$83	$157	$1,880	1%
70	$79	$152	$1,821	-3%
71	$87	$174	$2,093	15%
72	$85	$155	$1,859	-11%
73	$89	$176	$2,111	14%
74	$68	$123	$1,474	-30%
75	$82	$139	$1,672	13%

Last Updated Aug. 5, 2026

Key takeaway: Missouri teen rates are volatile year to year but trend downward. By 30 the average is $238/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	$198	$2,375	-6%
19	$123	$213	$2,557	8%
20	$87	$189	$2,272	-11%
21	$83	$152	$1,828	-20%
22	$80	$190	$2,279	25%
23	$70	$123	$1,472	-35%
24	$76	$147	$1,768	20%
25	$72	$143	$1,714	-3%
26	$64	$134	$1,606	-6%
27	$68	$134	$1,612	0%
28	$67	$143	$1,714	6%
29	$70	$143	$1,712	-0%
30	$72	$143	$1,717	0%
31	$64	$129	$1,551	-10%
32	$75	$166	$1,994	29%
33	$66	$123	$1,481	-26%
34	$60	$126	$1,514	2%
35	$70	$133	$1,596	5%
36	$65	$119	$1,428	-11%
37	$62	$130	$1,560	9%
38	$62	$121	$1,446	-7%
39	$68	$146	$1,747	21%
40	$62	$135	$1,625	-7%
41	$65	$146	$1,751	8%
42	$65	$124	$1,488	-15%
43	$60	$127	$1,522	2%
44	$68	$122	$1,464	-4%
45	$68	$120	$1,441	-2%
46	$63	$120	$1,439	-0%
47	$59	$116	$1,393	-3%
48	$67	$119	$1,428	2%
49	$60	$112	$1,345	-6%
50	$60	$115	$1,386	3%
51	$59	$101	$1,214	-12%
52	$69	$122	$1,468	21%
53	$62	$122	$1,464	-0%
54	$58	$106	$1,268	-13%
55	$56	$101	$1,217	-4%
56	$59	$110	$1,325	9%
57	$54	$105	$1,254	-5%
58	$63	$126	$1,513	21%
59	$52	$104	$1,250	-17%
60	$56	$101	$1,213	-3%
61	$54	$104	$1,248	3%
62	$53	$101	$1,217	-2%
63	$51	$94	$1,124	-8%
64	$52	$99	$1,183	5%
65	$60	$113	$1,353	14%
66	$55	$110	$1,316	-3%
67	$47	$83	$994	-24%
68	$44	$101	$1,209	22%
69	$43	$84	$1,012	-16%
70	$53	$98	$1,171	16%
71	$53	$89	$1,069	-9%
72	$46	$86	$1,028	-4%
73	$54	$90	$1,082	5%
74	$71	$159	$1,905	76%
75	$52	$106	$1,275	-33%

Last Updated Aug. 5, 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 $159/mo by 75.

Nebraska

Nebraska rates are below the national average for most age groups; for instance, its 16-year-olds average $236 per month, and by 30, the average falls to $175 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	$128	$236	$2,829	–
17	$268	$387	$4,647	64%
18	$195	$369	$4,429	-5%
19	$160	$293	$3,511	-21%
20	$158	$310	$3,715	6%
21	$120	$250	$2,996	-19%
22	$114	$218	$2,615	-13%
23	$95	$212	$2,548	-3%
24	$110	$223	$2,680	5%
25	$98	$187	$2,240	-16%
26	$95	$180	$2,163	-3%
27	$98	$204	$2,444	13%
28	$87	$170	$2,037	-17%
29	$91	$183	$2,198	8%
30	$82	$175	$2,098	-5%
31	$74	$143	$1,716	-18%
32	$77	$148	$1,781	4%
33	$92	$187	$2,243	26%
34	$79	$159	$1,904	-15%
35	$76	$152	$1,825	-4%
36	$67	$139	$1,667	-9%
37	$80	$172	$2,062	24%
38	$84	$170	$2,035	-1%
39	$72	$158	$1,894	-7%
40	$74	$165	$1,980	5%
41	$79	$184	$2,214	12%
42	$70	$150	$1,802	-19%
43	$77	$147	$1,768	-2%
44	$71	$133	$1,596	-10%
45	$74	$183	$2,202	38%
46	$73	$143	$1,717	-22%
47	$68	$134	$1,608	-6%
48	$70	$153	$1,833	14%
49	$64	$140	$1,682	-8%
50	$80	$157	$1,879	12%
51	$64	$123	$1,471	-22%
52	$63	$121	$1,447	-2%
53	$62	$114	$1,365	-6%
54	$73	$142	$1,700	25%
55	$57	$123	$1,476	-13%
56	$60	$115	$1,375	-7%
57	$52	$101	$1,211	-12%
58	$74	$153	$1,836	52%
59	$62	$122	$1,461	-20%
60	$58	$117	$1,408	-4%
61	$55	$116	$1,388	-1%
62	$63	$119	$1,425	3%
63	$47	$102	$1,226	-14%
64	$56	$113	$1,357	11%
65	$57	$122	$1,468	8%
66	$44	$92	$1,104	-25%
67	$100	$235	$2,819	155%
68	$70	$144	$1,723	-39%
69	$53	$107	$1,285	-25%
70	$54	$106	$1,271	-1%
71	$54	$95	$1,141	-10%
72	$46	$90	$1,082	-5%
73	$72	$147	$1,767	63%
74	$69	$152	$1,821	3%
75	$67	$111	$1,330	-27%

Last Updated Aug. 5, 2026

Key takeaway: Nebraska 16-year-olds average $236/mo, below average for teens. By 30, rates drop to $175/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 $870 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	$521	$870	$10,445	–
17	$378	$680	$8,157	-22%
18	$403	$729	$8,753	7%
19	$458	$812	$9,749	11%
20	$360	$672	$8,058	-17%
21	$323	$592	$7,103	-12%
22	$303	$537	$6,445	-9%
23	$265	$500	$6,002	-7%
24	$241	$449	$5,385	-10%
25	$224	$421	$5,048	-6%
26	$210	$394	$4,732	-6%
27	$207	$393	$4,711	-0%
28	$204	$397	$4,759	1%
29	$209	$381	$4,575	-4%
30	$203	$380	$4,564	-0%
31	$197	$373	$4,481	-2%
32	$194	$360	$4,316	-4%
33	$191	$363	$4,350	1%
34	$199	$366	$4,389	1%
35	$197	$357	$4,290	-2%
36	$187	$354	$4,252	-1%
37	$186	$351	$4,208	-1%
38	$188	$345	$4,135	-2%
39	$182	$338	$4,057	-2%
40	$178	$338	$4,054	-0%
41	$177	$346	$4,155	2%
42	$173	$337	$4,040	-3%
43	$171	$330	$3,961	-2%
44	$184	$340	$4,085	3%
45	$176	$336	$4,038	-1%
46	$166	$316	$3,788	-6%
47	$171	$340	$4,082	8%
48	$173	$338	$4,058	-1%
49	$169	$321	$3,855	-5%
50	$170	$322	$3,866	0%
51	$165	$310	$3,725	-4%
52	$167	$314	$3,763	1%
53	$164	$322	$3,867	3%
54	$162	$305	$3,659	-5%
55	$162	$304	$3,645	-0%
56	$157	$300	$3,596	-1%
57	$158	$289	$3,471	-3%
58	$146	$274	$3,294	-5%
59	$138	$257	$3,078	-7%
60	$144	$266	$3,196	4%
61	$154	$277	$3,327	4%
62	$156	$284	$3,402	2%
63	$149	$283	$3,397	-0%
64	$140	$259	$3,109	-9%
65	$146	$268	$3,216	3%
66	$156	$281	$3,374	5%
67	$156	$285	$3,421	1%
68	$146	$276	$3,312	-3%
69	$158	$299	$3,587	8%
70	$155	$288	$3,455	-4%
71	$133	$251	$3,006	-13%
72	$156	$283	$3,394	13%
73	$152	$279	$3,350	-1%
74	$147	$281	$3,370	1%
75	$155	$295	$3,541	5%

Last Updated Aug. 5, 2026

Key takeaway: Nevada 16-year-olds average over $870/mo, among the highest nationally. Las Vegas keeps rates elevated at every age. Even at 65, Nevada drivers average $268/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 $292 per month, below the national average for teens, and by 25 rates fall to just $127 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	$171	$292	$3,506	–
17	$235	$382	$4,586	31%
18	$158	$256	$3,076	-33%
19	$195	$328	$3,935	28%
20	$145	$238	$2,854	-27%
21	$100	$166	$1,990	-30%
22	$105	$174	$2,083	5%
23	$77	$135	$1,620	-22%
24	$84	$152	$1,820	12%
25	$78	$127	$1,525	-16%
26	$72	$127	$1,530	0%
27	$67	$121	$1,448	-5%
28	$71	$131	$1,571	8%
29	$51	$92	$1,104	-30%
30	$53	$99	$1,186	7%
31	$70	$118	$1,417	19%
32	$61	$108	$1,296	-9%
33	$66	$123	$1,475	14%
34	$45	$95	$1,139	-23%
35	$70	$108	$1,295	14%
36	$49	$100	$1,195	-8%
37	$63	$104	$1,254	5%
38	$60	$97	$1,159	-8%
39	$56	$97	$1,160	0%
40	$60	$101	$1,215	5%
41	$57	$103	$1,234	1%
42	$65	$136	$1,630	32%
43	$60	$112	$1,340	-18%
44	$64	$103	$1,236	-8%
45	$55	$97	$1,163	-6%
46	$56	$98	$1,174	1%
47	$52	$94	$1,125	-4%
48	$56	$92	$1,099	-2%
49	$64	$96	$1,147	4%
50	$50	$82	$984	-14%
51	$54	$87	$1,040	6%
52	$46	$70	$838	-19%
53	$49	$83	$991	18%
54	$49	$86	$1,036	5%
55	$57	$104	$1,244	20%
56	$43	$69	$823	-34%
57	$55	$103	$1,233	50%
58	$41	$72	$870	-29%
59	$41	$65	$785	-10%
60	$48	$93	$1,113	42%
61	$44	$76	$917	-18%
62	$40	$77	$929	1%
63	$43	$81	$976	5%
64	$55	$111	$1,332	37%
65	$40	$66	$796	-40%
66	$48	$83	$998	25%
67	$48	$84	$1,010	1%
68	$34	$61	$730	-28%
69	$38	$73	$873	20%
70	$40	$76	$909	4%
71	$39	$67	$801	-12%
72	$49	$81	$977	22%
73	$38	$63	$761	-22%
74	$40	$75	$897	18%
75	$60	$92	$1,106	23%

Last Updated Aug. 5, 2026

Key takeaway: New Hampshire is the only state without a mandatory insurance requirement. Here, rates for 16-year-olds average $292/mo, and rates fall sharply to $127/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 $986 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $222 per month.

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

17	$590	$986	$11,837	–
18	$544	$888	$10,651	-10%
19	$468	$756	$9,069	-15%
20	$370	$609	$7,305	-19%
21	$286	$482	$5,779	-21%
22	$265	$440	$5,282	-9%
23	$234	$392	$4,702	-11%
24	$222	$384	$4,608	-2%
25	$207	$350	$4,198	-9%
26	$206	$354	$4,252	1%
27	$197	$333	$3,995	-6%
28	$193	$331	$3,972	-1%
29	$197	$335	$4,021	1%
30	$188	$311	$3,731	-7%
31	$186	$314	$3,774	1%
32	$187	$313	$3,755	-1%
33	$174	$295	$3,543	-6%
34	$190	$306	$3,677	4%
35	$177	$296	$3,556	-3%
36	$175	$294	$3,526	-1%
37	$173	$292	$3,504	-1%
38	$173	$287	$3,447	-2%
39	$186	$316	$3,790	10%
40	$179	$296	$3,558	-6%
41	$175	$292	$3,509	-1%
42	$175	$302	$3,627	3%
43	$168	$286	$3,426	-6%
44	$170	$285	$3,417	-0%
45	$167	$279	$3,348	-2%
46	$172	$288	$3,457	3%
47	$176	$296	$3,550	3%
48	$156	$268	$3,220	-9%
49	$178	$299	$3,591	12%
50	$169	$282	$3,385	-6%
51	$155	$266	$3,197	-6%
52	$158	$270	$3,245	1%
53	$142	$255	$3,064	-6%
54	$158	$263	$3,156	3%
55	$155	$256	$3,072	-3%
56	$144	$255	$3,054	-1%
57	$152	$263	$3,155	3%
58	$150	$248	$2,977	-6%
59	$142	$251	$3,006	1%
60	$144	$245	$2,937	-2%
61	$144	$242	$2,907	-1%
62	$142	$238	$2,850	-2%
63	$134	$222	$2,666	-6%
64	$128	$224	$2,687	1%
65	$140	$222	$2,663	-1%
66	$142	$224	$2,687	1%
67	$138	$221	$2,654	-1%
68	$142	$229	$2,746	3%
69	$144	$230	$2,756	0%
70	$139	$219	$2,623	-5%
71	$140	$222	$2,668	2%
72	$145	$230	$2,755	3%
73	$140	$216	$2,587	-6%
74	$144	$230	$2,764	7%
75	$136	$218	$2,612	-5%

Last Updated Aug. 5, 2026

Key takeaway: New Jersey 17-year-olds average $986 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $222/mo.

New Mexico

New Mexicorates are moderate and follow the national pattern closely. New Mexican 16-year-olds average $343 per month, and the biggest single-year drop comes at 21, when rates fall 12% to $223 per month. By 65, the average reaches $93 per month.

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

16	$209	$343	$4,117	–
17	$200	$359	$4,304	5%
18	$133	$265	$3,184	-26%
19	$149	$330	$3,960	24%
20	$124	$254	$3,042	-23%
21	$119	$223	$2,673	-12%
22	$93	$166	$1,991	-26%
23	$98	$175	$2,096	5%
24	$85	$152	$1,825	-13%
25	$78	$139	$1,671	-8%
26	$79	$143	$1,712	2%
27	$79	$155	$1,860	9%
28	$68	$133	$1,595	-14%
29	$72	$149	$1,791	12%
30	$70	$136	$1,637	-9%
31	$70	$133	$1,599	-2%
32	$58	$116	$1,397	-13%
33	$72	$141	$1,697	21%
34	$65	$121	$1,454	-14%
35	$63	$116	$1,390	-4%
36	$69	$135	$1,625	17%
37	$70	$127	$1,518	-7%
38	$67	$124	$1,492	-2%
39	$66	$124	$1,493	0%
40	$67	$118	$1,412	-5%
41	$61	$126	$1,510	7%
42	$67	$122	$1,461	-3%
43	$62	$118	$1,414	-3%
44	$72	$124	$1,493	6%
45	$62	$121	$1,447	-3%
46	$61	$111	$1,328	-8%
47	$61	$115	$1,374	4%
48	$65	$121	$1,451	6%
49	$61	$113	$1,355	-7%
50	$59	$108	$1,300	-4%
51	$61	$122	$1,467	13%
52	$55	$100	$1,205	-18%
53	$62	$118	$1,422	18%
54	$53	$106	$1,273	-10%
55	$56	$106	$1,276	0%
56	$56	$103	$1,233	-3%
57	$53	$106	$1,274	3%
58	$56	$103	$1,232	-3%
59	$53	$99	$1,190	-3%
60	$56	$111	$1,333	12%
61	$54	$96	$1,156	-13%
62	$54	$97	$1,168	1%
63	$68	$124	$1,492	28%
64	$57	$95	$1,139	-24%
65	$54	$93	$1,122	-1%
66	$62	$100	$1,196	7%
67	$50	$89	$1,072	-10%
68	$60	$105	$1,261	18%
69	$47	$88	$1,061	-16%
70	$45	$86	$1,033	-3%
71	$52	$98	$1,177	14%
72	$57	$107	$1,285	9%
73	$50	$107	$1,283	-0%
74	$52	$93	$1,115	-13%
75	$64	$132	$1,582	42%

Last Updated Aug. 5, 2026

Key takeaway: New Mexico rates are near the national average. The steepest drop is at 21 (12%). By 65, the average falls to $93/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 $1,184 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 $816 per month. By 30, it drops to $727 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $433 per month, and 75-year-olds average $432 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	$337	$1,184	$14,203	–
17	$452	$1,166	$13,996	-1%
18	$446	$1,069	$12,825	-8%
19	$454	$1,087	$13,039	2%
20	$407	$965	$11,575	-11%
21	$405	$965	$11,584	0%
22	$357	$898	$10,775	-7%
23	$357	$890	$10,679	-1%
24	$332	$837	$10,038	-6%
25	$317	$816	$9,797	-2%
26	$318	$794	$9,531	-3%
27	$280	$739	$8,868	-7%
28	$256	$722	$8,663	-2%
29	$277	$743	$8,913	3%
30	$258	$727	$8,727	-2%
31	$255	$712	$8,544	-2%
32	$249	$722	$8,664	1%
33	$226	$650	$7,797	-10%
34	$233	$690	$8,279	6%
35	$245	$671	$8,056	-3%
36	$238	$665	$7,983	-1%
37	$210	$643	$7,713	-3%
38	$210	$617	$7,402	-4%
39	$209	$613	$7,357	-1%
40	$215	$625	$7,500	2%
41	$202	$620	$7,441	-1%
42	$208	$639	$7,666	3%
43	$205	$588	$7,057	-8%
44	$198	$611	$7,330	4%
45	$178	$565	$6,784	-7%
46	$185	$591	$7,095	5%
47	$197	$582	$6,988	-2%
48	$190	$597	$7,168	3%
49	$184	$554	$6,653	-7%
50	$192	$573	$6,878	3%
51	$181	$550	$6,604	-4%
52	$178	$533	$6,393	-3%
53	$157	$527	$6,318	-1%
54	$177	$540	$6,482	3%
55	$168	$513	$6,152	-5%
56	$156	$505	$6,064	-1%
57	$148	$473	$5,680	-6%
58	$164	$543	$6,517	15%
59	$146	$469	$5,627	-14%
60	$155	$478	$5,734	2%
61	$150	$455	$5,456	-5%
62	$154	$476	$5,716	5%
63	$135	$453	$5,436	-5%
64	$135	$445	$5,339	-2%
65	$133	$433	$5,195	-3%
66	$136	$422	$5,069	-2%
67	$136	$415	$4,985	-2%
68	$138	$434	$5,204	4%
69	$127	$397	$4,762	-8%
70	$128	$397	$4,769	0%
71	$129	$384	$4,605	-3%
72	$122	$373	$4,479	-3%
73	$158	$423	$5,073	13%
74	$164	$459	$5,505	9%
75	$151	$432	$5,188	-6%

Last Updated Aug. 5, 2026

Key takeaway: New York has the highest rates in the dataset — for instance, New York’s 16-year-olds average $1,184/mo. Even 75-year-olds average $432/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 $364 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	$205	$364	$4,372	–
17	$216	$337	$4,039	-8%
18	$159	$286	$3,429	-15%
19	$148	$272	$3,261	-5%
20	$112	$237	$2,849	-13%
21	$98	$209	$2,508	-12%
22	$95	$210	$2,524	1%
23	$83	$178	$2,140	-15%
24	$91	$198	$2,373	11%
25	$88	$186	$2,235	-6%
26	$87	$181	$2,176	-3%
27	$86	$181	$2,173	-0%
28	$85	$166	$1,993	-8%
29	$86	$182	$2,185	10%
30	$82	$158	$1,901	-13%
31	$82	$168	$2,019	6%
32	$74	$150	$1,805	-11%
33	$79	$156	$1,869	4%
34	$79	$169	$2,024	8%
35	$77	$161	$1,926	-5%
36	$78	$162	$1,942	1%
37	$76	$152	$1,820	-6%
38	$75	$148	$1,776	-2%
39	$75	$148	$1,775	-0%
40	$73	$156	$1,869	5%
41	$71	$145	$1,743	-7%
42	$71	$136	$1,634	-6%
43	$69	$129	$1,548	-5%
44	$67	$121	$1,455	-6%
45	$67	$121	$1,449	-0%
46	$72	$143	$1,717	18%
47	$68	$127	$1,528	-11%
48	$70	$131	$1,570	3%
49	$70	$123	$1,474	-6%
50	$69	$126	$1,516	3%
51	$66	$124	$1,491	-2%
52	$66	$123	$1,474	-1%
53	$69	$131	$1,569	6%
54	$65	$122	$1,464	-7%
55	$65	$112	$1,348	-8%
56	$62	$109	$1,304	-3%
57	$63	$108	$1,300	-0%
58	$63	$117	$1,407	8%
59	$60	$101	$1,215	-14%
60	$64	$106	$1,274	5%
61	$61	$103	$1,237	-3%
62	$63	$109	$1,303	5%
63	$63	$109	$1,307	0%
64	$61	$106	$1,268	-3%
65	$59	$101	$1,206	-5%
66	$60	$98	$1,181	-2%
67	$59	$96	$1,152	-2%
68	$59	$95	$1,137	-1%
69	$57	$91	$1,089	-4%
70	$61	$99	$1,190	9%
71	$60	$101	$1,212	2%
72	$54	$91	$1,088	-10%
73	$57	$94	$1,133	4%
74	$58	$91	$1,092	-4%
75	$55	$87	$1,048	-4%

Last Updated Aug. 5, 2026

Key takeaway: North Carolina’s regulated market keeps rates more predictable and below average. Here, rates for 16-year-olds average $364/mo. Rates decline to $87/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	$130	$246	$2,952	24%
19	$128	$220	$2,642	-10%
20	$110	$199	$2,385	-10%
21	$99	$187	$2,240	-6%
22	$85	$139	$1,674	-25%
23	$72	$155	$1,865	11%
24	$93	$144	$1,733	-7%
25	$79	$143	$1,720	-1%
26	$78	$125	$1,503	-13%
27	$67	$127	$1,529	2%
28	$68	$107	$1,287	-16%
29	$71	$113	$1,355	5%
30	$74	$133	$1,596	18%
31	$69	$126	$1,512	-5%
32	$67	$116	$1,389	-8%
33	$62	$101	$1,216	-12%
34	$79	$123	$1,480	22%
35	$77	$116	$1,392	-6%
36	$84	$126	$1,507	8%
37	$73	$125	$1,502	-0%
38	$65	$106	$1,270	-15%
39	$73	$135	$1,622	28%
40	$60	$115	$1,385	-15%
41	$72	$102	$1,225	-12%
42	$65	$119	$1,423	16%
43	$67	$121	$1,454	2%
44	$72	$113	$1,351	-7%
45	$57	$101	$1,209	-11%
46	$73	$101	$1,209	-0%
47	$68	$112	$1,347	11%
48	$67	$105	$1,265	-6%
49	$77	$110	$1,318	4%
50	$70	$112	$1,347	2%
51	$66	$107	$1,287	-4%
52	$59	$89	$1,067	-17%
53	$41	$70	$846	-21%
54	$53	$91	$1,089	29%
55	$61	$116	$1,387	27%
56	$56	$89	$1,068	-23%
57	$77	$108	$1,296	21%
58	$48	$90	$1,077	-17%
59	$57	$89	$1,065	-1%
60	$70	$109	$1,313	23%
61	$49	$80	$956	-27%
62	$60	$95	$1,144	20%
63	$40	$79	$944	-17%
64	$67	$90	$1,080	14%
65	$55	$88	$1,058	-2%
66	$53	$84	$1,011	-4%
67	$64	$90	$1,074	6%
68	$57	$105	$1,262	17%
69	$56	$74	$885	-30%
70	$65	$92	$1,100	24%
72	$58	$130	$1,566	42%
73	$38	$91	$1,087	-31%
74	$59	$91	$1,093	1%
75	$60	$96	$1,149	5%

Last Updated Aug. 5, 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 $324 per month, below the national teen average, and rates fall steadily to $110 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	$183	$324	$3,889	–
17	$170	$319	$3,831	-1%
18	$160	$301	$3,617	-6%
19	$146	$290	$3,483	-4%
20	$131	$265	$3,177	-9%
21	$116	$227	$2,719	-14%
22	$110	$213	$2,551	-6%
23	$98	$188	$2,258	-11%
24	$94	$179	$2,152	-5%
25	$92	$180	$2,157	0%
26	$90	$175	$2,097	-3%
27	$88	$175	$2,105	0%
28	$80	$156	$1,867	-11%
29	$79	$152	$1,822	-2%
30	$78	$157	$1,883	3%
31	$79	$159	$1,907	1%
32	$73	$147	$1,767	-7%
33	$75	$144	$1,734	-2%
34	$73	$147	$1,760	2%
35	$77	$154	$1,853	5%
36	$76	$144	$1,725	-7%
37	$74	$146	$1,747	1%
38	$72	$144	$1,728	-1%
39	$72	$146	$1,752	1%
40	$70	$132	$1,589	-9%
41	$68	$140	$1,683	6%
42	$73	$142	$1,707	1%
43	$70	$132	$1,588	-7%
44	$66	$126	$1,514	-5%
45	$69	$137	$1,647	9%
46	$69	$142	$1,706	4%
47	$66	$130	$1,561	-8%
48	$64	$125	$1,506	-4%
49	$64	$128	$1,540	2%
50	$65	$129	$1,548	1%
51	$65	$124	$1,493	-4%
52	$62	$121	$1,450	-3%
53	$65	$124	$1,489	3%
54	$62	$120	$1,441	-3%
55	$64	$132	$1,584	10%
56	$64	$122	$1,466	-7%
57	$58	$121	$1,451	-1%
58	$60	$118	$1,419	-2%
59	$60	$120	$1,442	2%
60	$59	$117	$1,404	-3%
61	$60	$119	$1,426	2%
62	$59	$116	$1,398	-2%
63	$54	$114	$1,373	-2%
64	$69	$132	$1,590	16%
65	$55	$110	$1,322	-17%
66	$57	$111	$1,327	0%
67	$55	$110	$1,316	-1%
68	$57	$122	$1,459	11%
69	$58	$116	$1,390	-5%
70	$60	$116	$1,386	-0%
71	$59	$115	$1,386	-0%
72	$60	$116	$1,396	1%
73	$65	$132	$1,581	13%
74	$57	$112	$1,345	-15%
75	$66	$134	$1,609	20%

Last Updated Aug. 5, 2026

Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $324/mo and rates decline to $110/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 7% to $360 per month before falling again. Here, rates for 16-year-olds start at $358 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	$212	$358	$4,299	–
17	$167	$285	$3,421	-20%
18	$173	$336	$4,031	18%
19	$168	$360	$4,318	7%
20	$153	$308	$3,695	-14%
21	$133	$272	$3,264	-12%
22	$123	$252	$3,029	-7%
23	$114	$239	$2,865	-5%
24	$108	$214	$2,570	-10%
25	$98	$197	$2,368	-8%
26	$96	$193	$2,320	-2%
27	$95	$199	$2,387	3%
28	$88	$179	$2,142	-10%
29	$84	$172	$2,068	-3%
30	$87	$178	$2,141	4%
31	$82	$166	$1,989	-7%
32	$85	$179	$2,150	8%
33	$79	$164	$1,963	-9%
34	$85	$186	$2,235	14%
35	$85	$193	$2,316	4%
36	$88	$184	$2,203	-5%
37	$81	$165	$1,978	-10%
38	$80	$171	$2,049	4%
39	$81	$168	$2,014	-2%
40	$80	$172	$2,059	2%
41	$81	$168	$2,021	-2%
42	$83	$173	$2,072	3%
43	$79	$167	$2,007	-3%
44	$80	$168	$2,018	1%
45	$75	$162	$1,946	-4%
46	$86	$179	$2,142	10%
47	$75	$165	$1,981	-8%
48	$77	$174	$2,084	5%
49	$74	$153	$1,839	-12%
50	$77	$161	$1,928	5%
51	$75	$159	$1,906	-1%
52	$71	$149	$1,790	-6%
53	$70	$146	$1,754	-2%
54	$71	$153	$1,833	5%
55	$67	$132	$1,580	-14%
56	$69	$140	$1,676	6%
57	$65	$130	$1,557	-7%
58	$68	$134	$1,602	3%
59	$62	$120	$1,436	-10%
60	$69	$143	$1,721	20%
61	$66	$134	$1,605	-7%
62	$68	$138	$1,658	3%
63	$65	$129	$1,543	-7%
64	$67	$134	$1,612	4%
65	$65	$135	$1,621	1%
66	$67	$129	$1,549	-4%
67	$64	$130	$1,555	0%
68	$66	$134	$1,609	3%
69	$62	$119	$1,429	-11%
70	$64	$121	$1,452	2%
71	$66	$143	$1,718	18%
72	$68	$126	$1,507	-12%
73	$68	$132	$1,588	5%
74	$65	$124	$1,491	-6%
75	$66	$115	$1,379	-8%

Last Updated Aug. 5, 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 $469 per month, close to the national average for teens, and by 30 the average drops to $193 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	$275	$469	$5,629	–
17	$225	$371	$4,454	-21%
18	$213	$382	$4,588	3%
19	$200	$405	$4,862	6%
20	$171	$301	$3,612	-26%
21	$161	$289	$3,466	-4%
22	$141	$265	$3,186	-8%
23	$140	$242	$2,899	-9%
24	$138	$241	$2,890	-0%
25	$112	$196	$2,349	-19%
26	$124	$213	$2,557	9%
27	$117	$199	$2,393	-6%
28	$120	$191	$2,294	-4%
29	$112	$193	$2,317	1%
30	$110	$193	$2,319	0%
31	$102	$174	$2,084	-10%
32	$109	$180	$2,162	4%
33	$101	$175	$2,098	-3%
34	$102	$167	$2,000	-5%
35	$98	$161	$1,936	-3%
36	$102	$171	$2,048	6%
37	$97	$167	$2,009	-2%
38	$101	$172	$2,060	3%
39	$102	$175	$2,097	2%
40	$93	$163	$1,951	-7%
41	$98	$159	$1,911	-2%
42	$104	$167	$2,001	5%
43	$101	$179	$2,150	7%
44	$96	$159	$1,903	-11%
45	$99	$171	$2,054	8%
46	$91	$156	$1,876	-9%
47	$90	$147	$1,768	-6%
48	$95	$152	$1,825	3%
49	$88	$149	$1,790	-2%
50	$89	$150	$1,801	1%
51	$91	$157	$1,886	5%
52	$89	$149	$1,783	-5%
53	$100	$162	$1,946	9%
54	$82	$132	$1,583	-19%
55	$84	$156	$1,867	18%
56	$81	$142	$1,703	-9%
57	$83	$134	$1,608	-6%
58	$91	$158	$1,900	18%
59	$82	$137	$1,643	-13%
60	$94	$144	$1,734	5%
61	$82	$139	$1,667	-4%
62	$79	$135	$1,618	-3%
63	$79	$134	$1,604	-1%
64	$74	$122	$1,470	-8%
65	$76	$131	$1,568	7%
66	$79	$127	$1,528	-3%
67	$76	$127	$1,528	-0%
68	$77	$129	$1,545	1%
69	$74	$124	$1,487	-4%
70	$79	$140	$1,684	13%
71	$73	$129	$1,553	-8%
72	$74	$121	$1,449	-7%
73	$75	$130	$1,565	8%
74	$79	$129	$1,546	-1%
75	$71	$131	$1,578	2%

Last Updated Aug. 5, 2026

Key takeaway: Oregon rates are moderate and track near the national average; its 16-year-olds average $469/mo. By 30, rates fall to $193/mo. Portland-area drivers pay above the statewide average.

Pennsylvania

Pennsylvania teen rates spike sharply through the late teens, with 18-year-olds averaging $467, a 15% 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	$175	$377	$4,524	–
17	$178	$407	$4,880	8%
18	$180	$467	$5,601	15%
19	$167	$427	$5,125	-8%
20	$161	$410	$4,921	-4%
21	$149	$362	$4,341	-12%
22	$132	$311	$3,736	-14%
23	$129	$291	$3,487	-7%
24	$125	$294	$3,529	1%
25	$120	$266	$3,189	-10%
26	$110	$261	$3,134	-2%
27	$110	$253	$3,035	-3%
28	$111	$248	$2,978	-2%
29	$115	$267	$3,207	8%
30	$106	$247	$2,969	-7%
31	$105	$239	$2,865	-3%
32	$112	$259	$3,114	9%
33	$108	$244	$2,927	-6%
34	$106	$234	$2,810	-4%
35	$104	$229	$2,748	-2%
36	$101	$234	$2,804	2%
37	$100	$237	$2,848	2%
38	$98	$210	$2,524	-11%
39	$101	$212	$2,540	1%
40	$109	$230	$2,761	9%
41	$95	$217	$2,599	-6%
42	$94	$209	$2,514	-3%
43	$96	$220	$2,637	5%
44	$97	$221	$2,647	0%
45	$87	$190	$2,277	-14%
46	$94	$197	$2,364	4%
47	$91	$198	$2,370	0%
48	$96	$201	$2,412	2%
49	$85	$178	$2,133	-12%
50	$82	$190	$2,276	7%
51	$81	$168	$2,011	-12%
52	$87	$186	$2,232	11%
53	$83	$170	$2,041	-9%
54	$85	$184	$2,212	8%
55	$78	$171	$2,050	-7%
56	$78	$161	$1,926	-6%
57	$81	$168	$2,016	5%
58	$82	$186	$2,228	10%
59	$73	$167	$2,005	-10%
60	$70	$150	$1,798	-10%
61	$68	$149	$1,792	-0%
62	$70	$158	$1,895	6%
63	$77	$166	$1,995	5%
64	$76	$163	$1,955	-2%
65	$66	$150	$1,800	-8%
66	$68	$145	$1,734	-4%
67	$69	$156	$1,869	8%
68	$66	$138	$1,651	-12%
69	$67	$147	$1,770	7%
70	$71	$161	$1,937	9%
71	$75	$165	$1,980	2%
72	$74	$163	$1,954	-1%
73	$61	$133	$1,602	-18%
74	$70	$161	$1,934	21%
75	$70	$157	$1,879	-3%

Last Updated Aug. 5, 2026

Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $150/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 24% from age 16 to 17, rising from $534 per month to $661 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	$457	$534	$6,408	–
17	$500	$661	$7,936	24%
18	$516	$818	$9,813	24%
19	$390	$651	$7,807	-20%
20	$272	$456	$5,470	-30%
21	$242	$409	$4,913	-10%
22	$195	$328	$3,940	-20%
23	$184	$340	$4,077	3%
24	$186	$320	$3,840	-6%
25	$161	$253	$3,039	-21%
26	$160	$272	$3,265	7%
27	$135	$256	$3,069	-6%
28	$159	$311	$3,727	21%
29	$156	$294	$3,533	-5%
30	$137	$240	$2,877	-19%
31	$126	$212	$2,548	-11%
32	$132	$237	$2,841	12%
33	$135	$246	$2,957	4%
34	$112	$198	$2,379	-20%
35	$145	$242	$2,901	22%
36	$125	$206	$2,472	-15%
37	$121	$220	$2,639	7%
38	$138	$263	$3,153	19%
39	$132	$214	$2,568	-19%
40	$150	$246	$2,948	15%
41	$108	$201	$2,406	-18%
42	$113	$201	$2,416	0%
43	$140	$245	$2,937	22%
44	$95	$182	$2,186	-26%
45	$130	$215	$2,579	18%
46	$114	$196	$2,346	-9%
47	$130	$215	$2,575	10%
48	$114	$185	$2,219	-14%
49	$116	$211	$2,536	14%
50	$134	$226	$2,715	7%
51	$104	$193	$2,310	-15%
52	$107	$173	$2,079	-10%
53	$106	$176	$2,108	1%
54	$99	$183	$2,191	4%
55	$105	$165	$1,974	-10%
56	$98	$174	$2,092	6%
57	$97	$181	$2,171	4%
58	$106	$201	$2,407	11%
59	$96	$147	$1,768	-27%
60	$102	$177	$2,119	20%
61	$91	$162	$1,947	-8%
62	$89	$147	$1,769	-9%
63	$91	$160	$1,917	8%
64	$88	$152	$1,829	-5%
65	$95	$162	$1,939	6%
66	$101	$159	$1,906	-2%
67	$87	$158	$1,897	-0%
68	$114	$176	$2,117	12%
69	$105	$170	$2,042	-4%
70	$76	$149	$1,785	-13%
71	$90	$146	$1,757	-2%
72	$90	$141	$1,695	-4%
73	$77	$132	$1,585	-6%
74	$106	$169	$2,031	28%
75	$83	$148	$1,776	-13%

Last Updated Aug. 5, 2026

Key takeaway: Rhode Island 17-year-olds average $661/mo after a 24% 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 $495 per month, and rates remain elevated through middle age, averaging $195 per month at 65.

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

16	$307	$495	$5,939	–
17	$422	$638	$7,660	29%
18	$346	$547	$6,564	-14%
19	$310	$530	$6,359	-3%
20	$268	$472	$5,659	-11%
21	$228	$422	$5,060	-11%
22	$211	$367	$4,398	-13%
23	$188	$330	$3,964	-10%
24	$184	$333	$3,993	1%
25	$168	$305	$3,656	-8%
26	$161	$292	$3,503	-4%
27	$160	$286	$3,434	-2%
28	$154	$274	$3,285	-4%
29	$154	$270	$3,244	-1%
30	$147	$259	$3,109	-4%
31	$144	$259	$3,102	-0%
32	$145	$251	$3,016	-3%
33	$144	$249	$2,982	-1%
34	$144	$252	$3,022	1%
35	$140	$241	$2,895	-4%
36	$139	$239	$2,867	-1%
37	$134	$241	$2,894	1%
38	$136	$236	$2,836	-2%
39	$139	$241	$2,890	2%
40	$137	$245	$2,939	2%
41	$128	$226	$2,708	-8%
42	$132	$229	$2,749	2%
43	$132	$232	$2,787	1%
44	$130	$227	$2,723	-2%
45	$134	$227	$2,725	0%
46	$129	$221	$2,649	-3%
47	$122	$207	$2,484	-6%
48	$131	$233	$2,794	12%
49	$120	$209	$2,508	-10%
50	$123	$213	$2,559	2%
51	$124	$217	$2,607	2%
52	$127	$222	$2,661	2%
53	$113	$197	$2,364	-11%
54	$117	$202	$2,426	3%
55	$116	$202	$2,423	-0%
56	$116	$199	$2,393	-1%
57	$112	$194	$2,329	-3%
58	$114	$194	$2,323	-0%
59	$109	$185	$2,225	-4%
60	$108	$186	$2,235	0%
61	$110	$194	$2,333	4%
62	$109	$186	$2,236	-4%
63	$108	$187	$2,241	0%
64	$109	$187	$2,246	0%
65	$113	$195	$2,342	4%
66	$108	$197	$2,362	1%
67	$102	$186	$2,234	-5%
68	$106	$184	$2,210	-1%
69	$106	$195	$2,335	6%
70	$106	$187	$2,238	-4%
71	$96	$173	$2,072	-7%
72	$102	$182	$2,178	5%
73	$116	$194	$2,333	7%
74	$100	$173	$2,081	-11%
75	$117	$197	$2,366	14%

Last Updated Aug. 5, 2026

Key takeaway: South Carolina rates are above average statewide. South Carolina’s 16-year-olds average $495/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 $547 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	$142	$203	$2,432	-37%
18	$160	$247	$2,960	22%
19	$128	$273	$3,277	11%
20	$85	$166	$1,987	-39%
21	$94	$193	$2,317	17%
22	$74	$195	$2,340	1%
23	$86	$202	$2,426	4%
24	$70	$143	$1,718	-29%
25	$64	$152	$1,820	6%
26	$71	$146	$1,751	-4%
27	$62	$176	$2,107	20%
28	$60	$128	$1,541	-27%
29	$55	$123	$1,472	-5%
30	$60	$121	$1,458	-1%
31	$66	$154	$1,850	27%
32	$58	$129	$1,550	-16%
33	$61	$121	$1,449	-7%
34	$65	$122	$1,462	1%
35	$60	$125	$1,501	3%
36	$48	$102	$1,218	-19%
37	$52	$111	$1,332	9%
38	$65	$133	$1,601	20%
39	$56	$111	$1,337	-16%
40	$67	$134	$1,603	20%
41	$61	$137	$1,643	3%
42	$54	$113	$1,355	-17%
43	$54	$125	$1,503	11%
44	$54	$118	$1,415	-6%
45	$50	$108	$1,302	-8%
46	$61	$127	$1,526	17%
47	$58	$135	$1,619	6%
48	$53	$114	$1,373	-15%
49	$58	$137	$1,648	20%
50	$59	$126	$1,512	-8%
51	$52	$112	$1,348	-11%
52	$50	$113	$1,359	1%
53	$50	$146	$1,750	29%
54	$51	$103	$1,232	-30%
55	$53	$110	$1,314	7%
56	$42	$90	$1,081	-18%
57	$42	$147	$1,759	63%
58	$52	$96	$1,153	-34%
59	$39	$93	$1,114	-3%
60	$44	$81	$973	-13%
61	$42	$93	$1,117	15%
62	$45	$92	$1,104	-1%
63	$43	$87	$1,047	-5%
64	$46	$92	$1,103	5%
65	$47	$83	$995	-10%
66	$54	$114	$1,371	38%
67	$38	$84	$1,006	-27%
68	$36	$55	$661	-34%
69	$53	$114	$1,369	107%
70	$39	$98	$1,174	-14%
71	$34	$82	$987	-16%
72	$49	$107	$1,287	30%
73	$37	$82	$984	-24%
74	$46	$86	$1,037	5%
75	$48	$109	$1,308	26%

Last Updated Aug. 5, 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 $87/mo by 65, well below the national average.

Tennessee

Tennessee rates are slightly below the national average for most age groups. Tennessee’s 16-year-olds average $351 per month, and the biggest single-year drop comes at age 20, when rates fall 13% to $258 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	$191	$351	$4,211	–
17	$173	$325	$3,898	-7%
18	$165	$339	$4,072	4%
19	$144	$299	$3,583	-12%
20	$129	$258	$3,100	-13%
21	$118	$230	$2,760	-11%
22	$115	$243	$2,913	6%
23	$105	$213	$2,553	-12%
24	$97	$202	$2,425	-5%
25	$101	$201	$2,410	-1%
26	$94	$198	$2,377	-1%
27	$90	$186	$2,235	-6%
28	$88	$179	$2,148	-4%
29	$82	$167	$2,008	-7%
30	$83	$167	$2,010	0%
31	$84	$163	$1,951	-3%
32	$81	$160	$1,917	-2%
33	$80	$157	$1,885	-2%
34	$80	$155	$1,862	-1%
35	$77	$154	$1,847	-1%
36	$74	$147	$1,765	-4%
37	$80	$166	$1,988	13%
38	$75	$149	$1,792	-10%
39	$70	$140	$1,675	-7%
40	$72	$147	$1,761	5%
41	$71	$144	$1,726	-2%
42	$71	$142	$1,709	-1%
43	$71	$144	$1,725	1%
44	$72	$145	$1,741	1%
45	$65	$142	$1,704	-2%
46	$66	$128	$1,540	-10%
47	$69	$136	$1,632	6%
48	$68	$135	$1,617	-1%
49	$63	$125	$1,503	-7%
50	$64	$130	$1,562	4%
51	$67	$131	$1,569	0%
52	$68	$141	$1,688	8%
53	$67	$134	$1,614	-4%
54	$64	$129	$1,544	-4%
55	$61	$124	$1,492	-3%
56	$65	$131	$1,569	5%
57	$63	$124	$1,484	-5%
58	$58	$112	$1,345	-9%
59	$63	$129	$1,545	15%
60	$64	$132	$1,579	2%
61	$60	$119	$1,424	-10%
62	$60	$124	$1,485	4%
63	$62	$121	$1,446	-3%
64	$55	$109	$1,303	-10%
65	$60	$118	$1,412	8%
66	$57	$111	$1,333	-6%
67	$61	$120	$1,436	8%
68	$59	$125	$1,503	5%
69	$61	$122	$1,468	-2%
70	$61	$122	$1,466	-0%
71	$64	$127	$1,529	4%
72	$59	$123	$1,475	-4%
73	$65	$131	$1,569	6%
74	$61	$112	$1,345	-14%
75	$65	$124	$1,484	10%

Last Updated Aug. 5, 2026

Key takeaway: Tennessee rates are slightly below average statewide. The state’s 16-year-olds average $351/mo with the steepest drop at 20 (13%). 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 $553 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 $455 per month at 20 down to $285 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 $177 per month. Texas rates stay relatively stable for older drivers, with 75-year-olds averaging $190 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	$287	$553	$6,635	–
17	$303	$576	$6,912	4%
18	$289	$563	$6,754	-2%
19	$261	$514	$6,169	-9%
20	$229	$455	$5,457	-12%
21	$199	$391	$4,690	-14%
22	$184	$353	$4,235	-10%
23	$171	$325	$3,902	-8%
24	$161	$305	$3,661	-6%
25	$153	$285	$3,421	-7%
26	$149	$278	$3,341	-2%
27	$142	$272	$3,265	-2%
28	$138	$261	$3,132	-4%
29	$136	$252	$3,020	-4%
30	$131	$243	$2,918	-3%
31	$123	$237	$2,848	-2%
32	$131	$239	$2,866	1%
33	$125	$232	$2,787	-3%
34	$124	$229	$2,749	-1%
35	$126	$229	$2,748	-0%
36	$119	$225	$2,697	-2%
37	$122	$226	$2,711	1%
38	$120	$223	$2,675	-1%
39	$116	$221	$2,653	-1%
40	$117	$220	$2,636	-1%
41	$114	$213	$2,560	-3%
42	$116	$219	$2,633	3%
43	$115	$211	$2,529	-4%
44	$114	$214	$2,573	2%
45	$114	$214	$2,566	-0%
46	$113	$209	$2,506	-2%
47	$111	$207	$2,480	-1%
48	$112	$205	$2,466	-1%
49	$112	$208	$2,498	1%
50	$109	$206	$2,477	-1%
51	$107	$198	$2,372	-4%
52	$103	$199	$2,384	0%
53	$108	$198	$2,378	-0%
54	$108	$195	$2,340	-2%
55	$106	$196	$2,348	0%
56	$104	$189	$2,272	-3%
57	$102	$186	$2,227	-2%
58	$102	$184	$2,209	-1%
59	$102	$181	$2,174	-2%
60	$102	$180	$2,165	-0%
61	$99	$180	$2,157	-0%
62	$103	$184	$2,211	2%
63	$100	$178	$2,134	-3%
64	$100	$177	$2,123	-1%
65	$99	$177	$2,125	0%
66	$102	$177	$2,126	0%
67	$99	$178	$2,136	0%
68	$105	$186	$2,229	4%
69	$105	$187	$2,238	0%
70	$105	$186	$2,230	-0%
71	$105	$186	$2,228	-0%
72	$108	$189	$2,267	2%
73	$111	$194	$2,329	3%
74	$109	$193	$2,322	-0%
75	$110	$190	$2,283	-2%

Last Updated Aug. 5, 2026

Key takeaway: Texas 16-year-olds average $553/mo, about 26% above the national average. By 65, the average is $177/mo.

Utah

Utah requires personal injury protection coverage for all drivers, adding to base premiums statewide. The state’s 16-year-olds average $404 per month, and rates fall steadily through the 20s, reaching $278 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	$223	$404	$4,851	–
17	$262	$433	$5,197	7%
18	$229	$395	$4,738	-9%
19	$189	$315	$3,778	-20%
20	$170	$278	$3,339	-12%
21	$147	$241	$2,890	-13%
22	$130	$204	$2,443	-15%
23	$122	$191	$2,287	-6%
24	$113	$179	$2,150	-6%
25	$110	$179	$2,149	-0%
26	$109	$175	$2,098	-2%
27	$104	$161	$1,927	-8%
28	$109	$177	$2,129	10%
29	$102	$159	$1,907	-10%
30	$101	$161	$1,934	1%
31	$103	$166	$1,991	3%
32	$98	$148	$1,782	-10%
33	$97	$149	$1,786	0%
34	$100	$146	$1,753	-2%
35	$96	$150	$1,802	3%
36	$96	$152	$1,822	1%
37	$90	$143	$1,722	-5%
38	$95	$148	$1,781	3%
39	$89	$144	$1,726	-3%
40	$96	$155	$1,861	8%
41	$93	$144	$1,722	-7%
42	$95	$150	$1,797	4%
43	$93	$147	$1,760	-2%
44	$91	$145	$1,740	-1%
45	$91	$148	$1,772	2%
46	$89	$141	$1,696	-4%
47	$85	$134	$1,605	-5%
48	$90	$142	$1,707	6%
49	$90	$143	$1,720	1%
50	$86	$142	$1,709	-1%
51	$84	$135	$1,620	-5%
52	$88	$133	$1,592	-2%
53	$81	$128	$1,532	-4%
54	$84	$128	$1,536	0%
55	$81	$126	$1,508	-2%
56	$80	$135	$1,624	8%
57	$90	$149	$1,782	10%
58	$84	$135	$1,623	-9%
59	$91	$140	$1,684	4%
60	$73	$118	$1,415	-16%
61	$84	$132	$1,582	12%
62	$93	$143	$1,711	8%
63	$84	$130	$1,559	-9%
64	$78	$119	$1,428	-8%
65	$76	$120	$1,436	1%
66	$93	$146	$1,748	22%
67	$76	$117	$1,409	-19%
68	$77	$117	$1,405	-0%
69	$71	$115	$1,377	-2%
70	$85	$140	$1,685	22%
71	$72	$123	$1,481	-12%
72	$79	$124	$1,490	1%
73	$73	$115	$1,380	-7%
74	$80	$124	$1,486	8%
75	$84	$132	$1,581	6%

Last Updated Aug. 5, 2026

Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $404/mo and rates drop to $161/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 $441 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	$293	$441	$5,288	–
17	$231	$331	$3,970	-25%
18	$178	$304	$3,652	-8%
19	$120	$302	$3,622	-1%
20	$99	$175	$2,094	-42%
21	$60	$131	$1,572	-25%
22	$88	$140	$1,677	7%
23	$60	$116	$1,397	-17%
24	$63	$112	$1,346	-4%
25	$87	$135	$1,621	20%
26	$63	$119	$1,422	-12%
27	$64	$104	$1,252	-12%
28	$66	$105	$1,260	1%
29	$51	$117	$1,409	12%
30	$49	$96	$1,157	-18%
31	$46	$81	$972	-16%
32	$62	$110	$1,316	35%
33	$55	$101	$1,210	-8%
34	$46	$79	$944	-22%
35	$56	$88	$1,052	11%
36	$53	$99	$1,193	13%
37	$55	$95	$1,140	-4%
38	$60	$86	$1,031	-10%
39	$81	$134	$1,608	56%
40	$68	$125	$1,494	-7%
41	$68	$133	$1,595	7%
42	$70	$118	$1,417	-11%
43	$74	$102	$1,230	-13%
44	$45	$84	$1,005	-18%
45	$51	$111	$1,336	33%
46	$67	$112	$1,340	0%
47	$73	$108	$1,301	-3%
48	$46	$86	$1,026	-21%
49	$56	$103	$1,230	20%
50	$48	$89	$1,062	-14%
51	$43	$92	$1,102	4%
52	$44	$80	$963	-13%
53	$32	$62	$749	-22%
54	$37	$75	$903	21%
55	$73	$97	$1,167	29%
56	$40	$68	$822	-30%
57	$50	$72	$868	6%
58	$35	$86	$1,035	19%
59	$52	$76	$911	-12%
60	$45	$75	$897	-2%
61	$32	$66	$795	-11%
62	$31	$55	$659	-17%
63	$39	$75	$903	37%
64	$53	$71	$855	-5%
65	$38	$84	$1,008	18%
66	$36	$65	$785	-22%
67	$54	$81	$971	24%
68	$32	$58	$701	-28%
69	$52	$92	$1,101	57%
70	$36	$67	$803	-27%
71	$38	$54	$646	-20%
72	$47	$67	$807	25%
73	$46	$79	$947	17%
74	$74	$83	$1,001	6%
75	$29	$66	$791	-21%

Last Updated Aug. 5, 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 $433 per month at 16, above the national average for that age, and decline steadily through the mid-60s. By 65, the average reaches $175 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $201 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	$250	$433	$5,190	–
17	$297	$481	$5,776	11%
18	$280	$476	$5,715	-1%
19	$270	$485	$5,817	2%
20	$254	$434	$5,211	-10%
21	$218	$377	$4,525	-13%
22	$202	$352	$4,225	-7%
23	$172	$308	$3,698	-12%
24	$173	$305	$3,664	-1%
25	$162	$280	$3,361	-8%
26	$148	$265	$3,184	-5%
27	$145	$258	$3,092	-3%
28	$143	$254	$3,053	-1%
29	$136	$241	$2,888	-5%
30	$132	$235	$2,823	-2%
31	$126	$223	$2,671	-5%
32	$134	$234	$2,812	5%
33	$126	$220	$2,646	-6%
34	$123	$218	$2,618	-1%
35	$128	$224	$2,682	2%
36	$119	$206	$2,475	-8%
37	$122	$211	$2,535	2%
38	$118	$203	$2,440	-4%
39	$122	$212	$2,543	4%
40	$122	$215	$2,579	1%
41	$123	$209	$2,507	-3%
42	$111	$199	$2,386	-5%
43	$117	$207	$2,486	4%
44	$117	$215	$2,583	4%
45	$118	$213	$2,555	-1%
46	$107	$193	$2,310	-10%
47	$116	$210	$2,526	9%
48	$116	$203	$2,433	-4%
49	$112	$203	$2,432	-0%
50	$110	$197	$2,359	-3%
51	$102	$185	$2,219	-6%
52	$114	$206	$2,477	12%
53	$101	$178	$2,141	-14%
54	$113	$200	$2,402	12%
55	$105	$187	$2,246	-6%
56	$96	$180	$2,164	-4%
57	$98	$179	$2,152	-1%
58	$105	$184	$2,207	3%
59	$102	$176	$2,116	-4%
60	$94	$167	$2,001	-5%
61	$104	$184	$2,206	10%
62	$101	$176	$2,114	-4%
63	$101	$180	$2,165	2%
64	$100	$175	$2,100	-3%
65	$99	$175	$2,095	-0%
66	$95	$170	$2,042	-3%
67	$98	$184	$2,212	8%
68	$96	$179	$2,152	-3%
69	$95	$181	$2,177	1%
70	$93	$179	$2,146	-1%
71	$109	$194	$2,327	8%
72	$96	$173	$2,078	-11%
73	$109	$200	$2,400	15%
74	$108	$192	$2,307	-4%
75	$116	$201	$2,415	5%

Last Updated Aug. 5, 2026

Key takeaway: Virginia rates average $433/mo at age 16 and decline steadily to $175/mo by 65 before rising to $201/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.

Washington

Washington rates average $510 per month at 16 before dipping at 17 and then spiking -4% at 18 to $536 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 $164 per month. Rates climb again in the mid-70s, reaching $166 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	$315	$510	$6,118	–
17	$294	$557	$6,681	9%
18	$277	$536	$6,432	-4%
19	$246	$482	$5,781	-10%
20	$212	$421	$5,048	-13%
21	$179	$354	$4,248	-16%
22	$167	$326	$3,917	-8%
23	$153	$285	$3,425	-13%
24	$155	$303	$3,637	6%
25	$145	$288	$3,451	-5%
26	$141	$272	$3,260	-6%
27	$125	$248	$2,971	-9%
28	$127	$259	$3,104	4%
29	$120	$250	$3,004	-3%
30	$116	$233	$2,799	-7%
31	$115	$228	$2,732	-2%
32	$111	$221	$2,656	-3%
33	$118	$239	$2,867	8%
34	$112	$220	$2,645	-8%
35	$107	$209	$2,508	-5%
36	$100	$204	$2,451	-2%
37	$105	$209	$2,509	2%
38	$107	$210	$2,518	0%
39	$97	$200	$2,395	-5%
40	$95	$186	$2,232	-7%
41	$99	$201	$2,410	8%
42	$97	$189	$2,265	-6%
43	$95	$184	$2,205	-3%
44	$96	$189	$2,273	3%
45	$102	$200	$2,405	6%
46	$90	$184	$2,202	-8%
47	$91	$182	$2,186	-1%
48	$96	$176	$2,107	-4%
49	$91	$176	$2,107	0%
50	$91	$184	$2,212	5%
51	$91	$174	$2,092	-5%
52	$88	$171	$2,054	-2%
53	$85	$162	$1,942	-5%
54	$85	$171	$2,048	5%
55	$91	$175	$2,094	2%
56	$86	$161	$1,935	-8%
57	$84	$160	$1,922	-1%
58	$80	$154	$1,848	-4%
59	$81	$158	$1,896	3%
60	$84	$160	$1,917	1%
61	$80	$161	$1,930	1%
62	$83	$157	$1,880	-3%
63	$87	$160	$1,925	2%
64	$77	$147	$1,765	-8%
65	$95	$164	$1,965	11%
66	$83	$162	$1,942	-1%
67	$83	$158	$1,899	-2%
68	$82	$146	$1,747	-8%
69	$77	$139	$1,669	-4%
70	$78	$142	$1,705	2%
71	$75	$137	$1,650	-3%
72	$83	$152	$1,822	10%
73	$84	$148	$1,771	-3%
74	$76	$142	$1,699	-4%
75	$78	$166	$1,993	17%

Last Updated Aug. 5, 2026

Key takeaway: Washington rates peak at age 18 ($536/mo) before declining steadily to $164/mo by 65. Rates rise again to $166/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 3% at 22 to $319 per month. After that, rates follow a more typical downward trend. By 65, the average reaches $209 per month, and 75-year-olds average $135 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	$190	$319	$3,823	-20%
18	$161	$329	$3,953	3%
19	$171	$347	$4,162	5%
20	$150	$327	$3,927	-6%
21	$132	$319	$3,828	-3%
22	$126	$266	$3,197	-16%
23	$126	$254	$3,049	-5%
24	$111	$244	$2,927	-4%
25	$116	$239	$2,864	-2%
26	$108	$241	$2,897	1%
27	$101	$217	$2,605	-10%
28	$107	$216	$2,598	-0%
29	$97	$203	$2,434	-6%
30	$101	$212	$2,544	5%
31	$107	$198	$2,379	-6%
32	$96	$203	$2,434	2%
33	$84	$193	$2,317	-5%
34	$89	$187	$2,241	-3%
35	$98	$204	$2,449	9%
36	$91	$194	$2,333	-5%
37	$89	$177	$2,119	-9%
38	$86	$192	$2,299	8%
39	$85	$171	$2,055	-11%
40	$88	$178	$2,138	4%
41	$89	$189	$2,263	6%
42	$89	$201	$2,413	7%
43	$81	$187	$2,248	-7%
44	$85	$201	$2,413	7%
45	$88	$193	$2,317	-4%
46	$90	$191	$2,286	-1%
47	$82	$176	$2,111	-8%
48	$83	$172	$2,068	-2%
49	$92	$179	$2,153	4%
50	$77	$150	$1,798	-17%
51	$81	$156	$1,870	4%
52	$88	$169	$2,027	8%
53	$81	$157	$1,881	-7%
54	$82	$176	$2,118	13%
55	$84	$179	$2,151	2%
56	$74	$154	$1,847	-14%
57	$73	$140	$1,682	-9%
58	$75	$148	$1,778	6%
59	$70	$136	$1,630	-8%
60	$76	$158	$1,895	16%
61	$73	$161	$1,930	2%
62	$71	$138	$1,658	-14%
63	$76	$163	$1,956	18%
64	$84	$209	$2,505	28%
65	$78	$175	$2,104	-16%
66	$77	$146	$1,752	-17%
67	$73	$148	$1,780	2%
68	$78	$167	$2,003	13%
69	$64	$154	$1,849	-8%
70	$77	$146	$1,749	-5%
71	$83	$178	$2,133	22%
72	$80	$147	$1,766	-17%
73	$71	$134	$1,612	-9%
74	$65	$135	$1,622	1%
75	$77	$147	$1,767	9%

Last Updated Aug. 5, 2026

Key takeaway: West Virginia rates spike through age 21 before falling 3% at 22. By 65, the average is $209/mo, easing slightly to $135/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 $246 per month at 17 before jumping 59% at 18 to $391 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 $84 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	$187	$347	$4,166	–
17	$142	$246	$2,954	-29%
18	$149	$391	$4,696	59%
19	$127	$265	$3,175	-32%
20	$110	$243	$2,912	-8%
21	$91	$196	$2,347	-19%
22	$82	$198	$2,376	1%
23	$87	$172	$2,067	-13%
24	$76	$160	$1,920	-7%
25	$73	$161	$1,931	1%
26	$72	$143	$1,713	-11%
27	$73	$146	$1,754	2%
28	$65	$129	$1,550	-12%
29	$67	$142	$1,701	10%
30	$63	$136	$1,629	-4%
31	$66	$134	$1,606	-1%
32	$63	$135	$1,615	1%
33	$60	$131	$1,572	-3%
34	$60	$120	$1,445	-8%
35	$59	$114	$1,373	-5%
36	$62	$127	$1,519	11%
37	$55	$130	$1,556	2%
38	$66	$137	$1,645	6%
39	$55	$115	$1,378	-16%
40	$62	$132	$1,581	15%
41	$63	$134	$1,603	1%
42	$65	$133	$1,598	-0%
43	$51	$108	$1,291	-19%
44	$60	$121	$1,455	13%
45	$61	$127	$1,526	5%
46	$52	$113	$1,353	-11%
47	$59	$114	$1,371	1%
48	$56	$110	$1,323	-3%
49	$54	$110	$1,323	-0%
50	$52	$108	$1,299	-2%
51	$54	$114	$1,366	5%
52	$54	$118	$1,417	4%
53	$52	$101	$1,211	-15%
54	$47	$96	$1,157	-4%
55	$52	$110	$1,322	14%
56	$50	$101	$1,213	-8%
57	$46	$97	$1,158	-4%
58	$47	$100	$1,203	4%
59	$41	$89	$1,063	-12%
60	$46	$96	$1,148	8%
61	$47	$92	$1,102	-4%
62	$46	$92	$1,104	0%
63	$46	$88	$1,051	-5%
64	$46	$101	$1,215	16%
65	$40	$84	$1,004	-17%
66	$46	$97	$1,161	16%
67	$43	$85	$1,023	-12%
68	$41	$81	$970	-5%
69	$43	$78	$937	-3%
70	$45	$91	$1,088	16%
71	$43	$87	$1,044	-4%
72	$50	$103	$1,241	19%
73	$42	$76	$915	-26%
74	$46	$108	$1,295	42%
75	$48	$86	$1,036	-20%

Last Updated Aug. 5, 2026

Key takeaway: Wisconsin rates spike 59% at age 18 before falling sharply. By 65, the average is just $84/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 $144 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 $76 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	$144	$1,725	–
18	$121	$208	$2,496	45%
19	$124	$219	$2,630	5%
20	$84	$170	$2,038	-23%
21	$92	$194	$2,334	15%
22	$68	$123	$1,479	-37%
23	$60	$170	$2,045	38%
24	$83	$155	$1,858	-9%
25	$66	$108	$1,291	-31%
26	$58	$95	$1,143	-11%
27	$55	$103	$1,237	8%
28	$51	$91	$1,094	-12%
29	$55	$99	$1,188	9%
30	$46	$91	$1,091	-8%
31	$43	$74	$892	-18%
32	$50	$116	$1,392	56%
33	$65	$141	$1,691	21%
34	$41	$83	$997	-41%
35	$48	$92	$1,109	11%
36	$52	$95	$1,135	2%
37	$47	$89	$1,073	-5%
38	$43	$83	$992	-8%
39	$43	$93	$1,120	13%
40	$55	$106	$1,268	13%
41	$42	$75	$904	-29%
42	$46	$100	$1,204	33%
43	$44	$96	$1,155	-4%
44	$47	$108	$1,294	12%
45	$57	$109	$1,303	1%
46	$47	$104	$1,246	-4%
47	$43	$70	$846	-32%
48	$51	$98	$1,177	39%
49	$59	$127	$1,528	30%
50	$46	$83	$994	-35%
51	$46	$117	$1,402	41%
52	$37	$89	$1,063	-24%
53	$39	$62	$740	-30%
54	$43	$94	$1,129	53%
55	$39	$108	$1,296	15%
56	$40	$95	$1,134	-12%
57	$40	$86	$1,027	-9%
58	$35	$65	$775	-25%
59	$32	$61	$728	-6%
60	$44	$78	$941	29%
61	$34	$65	$779	-17%
62	$31	$59	$713	-9%
63	$33	$61	$738	3%
64	$47	$76	$914	24%
65	$34	$62	$745	-19%
66	$42	$76	$913	23%
67	$26	$54	$650	-29%
68	$23	$41	$491	-24%
70	$31	$68	$813	66%
71	$31	$56	$671	-17%
72	$25	$49	$586	-13%
73	$37	$74	$883	51%
74	$45	$66	$790	-11%
75	$54	$129	$1,544	95%

Last Updated Aug. 5, 2026

Key takeaway: Wyoming is among the most affordable states at every age. Teen rates average $144/mo at age 16 and fall to just $76/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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