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 $105 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	$372	$4,462	25%
18	$149	$287	$3,440	-23%
19	$150	$288	$3,456	0%
20	$132	$265	$3,183	-8%
21	$123	$241	$2,889	-9%
22	$106	$221	$2,652	-8%
23	$107	$210	$2,521	-5%
24	$94	$186	$2,229	-12%
25	$94	$184	$2,206	-1%
26	$90	$175	$2,103	-5%
27	$83	$162	$1,943	-8%
28	$82	$163	$1,951	0%
29	$83	$163	$1,953	0%
30	$82	$174	$2,086	7%
31	$80	$156	$1,873	-10%
32	$75	$151	$1,815	-3%
33	$73	$152	$1,823	0%
34	$73	$152	$1,820	-0%
35	$72	$152	$1,827	0%
36	$72	$147	$1,761	-4%
37	$72	$153	$1,834	4%
38	$72	$148	$1,781	-3%
39	$74	$153	$1,833	3%
40	$66	$132	$1,579	-14%
41	$70	$149	$1,787	13%
42	$69	$144	$1,726	-3%
43	$69	$141	$1,688	-2%
44	$66	$145	$1,746	3%
45	$66	$131	$1,575	-10%
46	$62	$134	$1,610	2%
47	$63	$138	$1,659	3%
48	$62	$133	$1,592	-4%
49	$62	$131	$1,572	-1%
50	$60	$123	$1,482	-6%
51	$58	$122	$1,466	-1%
52	$57	$124	$1,486	1%
53	$60	$129	$1,553	5%
54	$60	$126	$1,509	-3%
55	$58	$121	$1,448	-4%
56	$58	$117	$1,409	-3%
57	$55	$107	$1,285	-9%
58	$62	$125	$1,500	17%
59	$58	$116	$1,394	-7%
60	$59	$117	$1,405	1%
61	$56	$120	$1,442	3%
62	$55	$110	$1,324	-8%
63	$59	$117	$1,398	6%
64	$51	$103	$1,232	-12%
65	$56	$105	$1,263	3%
66	$54	$107	$1,289	2%
67	$58	$120	$1,436	11%
68	$57	$111	$1,335	-7%
69	$57	$111	$1,335	0%
70	$59	$115	$1,374	3%
71	$55	$106	$1,275	-7%
72	$59	$116	$1,389	9%
73	$58	$111	$1,338	-4%
74	$64	$122	$1,469	10%
75	$62	$126	$1,515	3%

Last Updated Aug. 11, 2026

Key takeaway: Alabama teen rates average $298 25%/mo at 16 before spikingat 17. After that, rates fall consistently to $105/mo by 65 and $126/mo by 75.

Arizona

Arizona 16-year-olds average $492 per month, close to the national average for that age. The biggest single-year drop in the state comes at 21, when rates fall 14% to $321 per month. By 75, the average reaches $145 per month.

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

16	$281	$492	$5,902	–
17	$261	$480	$5,758	-2%
18	$269	$488	$5,850	2%
19	$226	$429	$5,153	-12%
20	$203	$374	$4,483	-13%
21	$181	$321	$3,850	-14%
22	$161	$297	$3,559	-8%
23	$151	$271	$3,248	-9%
24	$144	$255	$3,059	-6%
25	$131	$237	$2,841	-7%
26	$130	$234	$2,813	-1%
27	$133	$230	$2,761	-2%
28	$127	$226	$2,716	-2%
29	$121	$214	$2,571	-5%
30	$121	$213	$2,558	-1%
31	$116	$209	$2,504	-2%
32	$109	$197	$2,363	-6%
33	$112	$197	$2,362	-0%
34	$106	$191	$2,289	-3%
35	$109	$195	$2,341	2%
36	$110	$194	$2,327	-1%
37	$105	$184	$2,213	-5%
38	$104	$185	$2,225	1%
39	$105	$189	$2,274	2%
40	$100	$178	$2,135	-6%
41	$104	$186	$2,229	4%
42	$97	$175	$2,100	-6%
43	$103	$189	$2,267	8%
44	$101	$181	$2,175	-4%
45	$94	$173	$2,077	-5%
46	$98	$180	$2,157	4%
47	$99	$179	$2,145	-1%
48	$101	$178	$2,130	-1%
49	$99	$182	$2,186	3%
50	$96	$170	$2,044	-6%
51	$92	$159	$1,909	-7%
52	$94	$169	$2,032	6%
53	$93	$167	$2,007	-1%
54	$94	$165	$1,979	-1%
55	$88	$154	$1,846	-7%
56	$90	$158	$1,892	3%
57	$91	$159	$1,912	1%
58	$85	$150	$1,800	-6%
59	$87	$156	$1,870	4%
60	$85	$156	$1,866	-0%
61	$83	$145	$1,743	-7%
62	$84	$153	$1,836	5%
63	$84	$150	$1,795	-2%
64	$81	$142	$1,703	-5%
65	$82	$142	$1,708	0%
66	$81	$145	$1,737	2%
67	$80	$141	$1,697	-2%
68	$79	$137	$1,640	-3%
69	$83	$153	$1,834	12%
70	$80	$145	$1,735	-5%
71	$85	$147	$1,770	2%
72	$79	$141	$1,686	-5%
73	$79	$139	$1,668	-1%
74	$83	$155	$1,865	12%
75	$81	$145	$1,738	-7%

Last Updated Aug. 11, 2026

Key takeaway: Arizona rates track near the national average. The steepest drop is at 21 (14%). Rates reach $145/mo by 75, a consistent long-term decline from $488/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	$177	$358	$4,292	-14%
19	$150	$303	$3,634	-15%
20	$130	$275	$3,295	-9%
21	$119	$249	$2,987	-9%
22	$106	$222	$2,663	-11%
23	$102	$204	$2,450	-8%
24	$94	$186	$2,233	-9%
25	$94	$188	$2,260	1%
26	$89	$183	$2,199	-3%
27	$83	$174	$2,089	-5%
28	$86	$173	$2,070	-1%
29	$86	$174	$2,091	1%
30	$79	$166	$1,995	-5%
31	$76	$159	$1,910	-4%
32	$79	$162	$1,944	2%
33	$72	$148	$1,775	-9%
34	$72	$140	$1,675	-6%
35	$73	$147	$1,760	5%
36	$75	$153	$1,835	4%
37	$70	$145	$1,736	-5%
38	$72	$145	$1,739	0%
39	$69	$147	$1,766	2%
40	$73	$147	$1,762	-0%
41	$72	$141	$1,689	-4%
42	$68	$141	$1,696	0%
43	$70	$145	$1,741	3%
44	$66	$139	$1,672	-4%
45	$66	$138	$1,655	-1%
46	$66	$140	$1,684	2%
47	$70	$141	$1,695	1%
48	$68	$135	$1,618	-5%
49	$67	$136	$1,626	1%
50	$63	$124	$1,486	-9%
51	$66	$131	$1,567	5%
52	$65	$131	$1,574	0%
53	$61	$122	$1,466	-7%
54	$66	$130	$1,559	6%
55	$62	$124	$1,492	-4%
56	$62	$128	$1,530	3%
57	$64	$129	$1,543	1%
58	$58	$115	$1,383	-10%
59	$66	$132	$1,582	14%
60	$63	$127	$1,529	-3%
61	$61	$118	$1,419	-7%
62	$62	$124	$1,487	5%
63	$72	$166	$1,992	34%
64	$61	$122	$1,459	-27%
65	$64	$124	$1,489	2%
66	$60	$120	$1,437	-3%
67	$65	$130	$1,562	9%
68	$62	$123	$1,475	-6%
69	$62	$125	$1,495	1%
70	$68	$134	$1,605	7%
71	$61	$118	$1,421	-11%
72	$62	$119	$1,424	0%
73	$63	$122	$1,461	3%
74	$62	$125	$1,503	3%
75	$69	$124	$1,490	-1%

Last Updated Aug. 11, 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 $514 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 $260 per month, and by 65 it reaches $176 per month. California rates remain fairly consistent through the late 60s and into the 70s, with 75-year-olds averaging $200 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	$514	$6,166	–
17	$192	$458	$5,493	-11%
18	$232	$547	$6,567	20%
19	$216	$527	$6,326	-4%
20	$196	$465	$5,582	-12%
21	$176	$405	$4,859	-13%
22	$157	$363	$4,358	-10%
23	$148	$349	$4,186	-4%
24	$141	$324	$3,893	-7%
25	$137	$314	$3,766	-3%
26	$133	$305	$3,657	-3%
27	$127	$291	$3,493	-5%
28	$121	$285	$3,424	-2%
29	$121	$281	$3,369	-2%
30	$115	$260	$3,117	-7%
31	$116	$258	$3,093	-1%
32	$110	$254	$3,053	-1%
33	$111	$241	$2,892	-5%
34	$105	$235	$2,818	-3%
35	$105	$234	$2,808	-0%
36	$101	$223	$2,675	-5%
37	$104	$225	$2,697	1%
38	$101	$225	$2,699	0%
39	$103	$228	$2,733	1%
40	$99	$219	$2,625	-4%
41	$100	$218	$2,614	-0%
42	$101	$212	$2,542	-3%
43	$97	$212	$2,545	0%
44	$97	$210	$2,514	-1%
45	$97	$213	$2,559	2%
46	$98	$211	$2,531	-1%
47	$98	$212	$2,546	1%
48	$96	$204	$2,444	-4%
49	$94	$206	$2,467	1%
50	$95	$208	$2,493	1%
51	$96	$203	$2,437	-2%
52	$93	$200	$2,403	-1%
53	$95	$200	$2,397	-0%
54	$93	$192	$2,308	-4%
55	$90	$193	$2,312	0%
56	$94	$196	$2,356	2%
57	$93	$192	$2,308	-2%
58	$92	$189	$2,272	-2%
59	$90	$190	$2,282	0%
60	$89	$184	$2,206	-3%
61	$90	$193	$2,310	5%
62	$90	$188	$2,251	-3%
63	$90	$183	$2,194	-3%
64	$88	$178	$2,141	-2%
65	$90	$176	$2,110	-1%
66	$91	$183	$2,194	4%
67	$92	$194	$2,324	6%
68	$90	$181	$2,168	-7%
69	$92	$182	$2,185	1%
70	$94	$191	$2,287	5%
71	$94	$185	$2,224	-3%
72	$96	$186	$2,236	1%
73	$96	$195	$2,334	4%
74	$98	$197	$2,358	1%
75	$99	$200	$2,400	2%

Last Updated Aug. 11, 2026

Key takeaway: California bans gender-based pricing, so age carries extra weight in your rate. 16-year-olds average $514/mo. Rates fall to $176/mo by 65 and stay stable through the mid-70s.

Colorado

Colorado 16-year-olds pay an average of $557 per month, and the biggest single-year drop afterwards in the state comes at 21, when rates fall 20% to $315 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	$219	$447	$5,361	-20%
18	$217	$423	$5,077	-5%
19	$208	$444	$5,326	5%
20	$183	$394	$4,724	-11%
21	$153	$315	$3,780	-20%
22	$145	$300	$3,601	-5%
23	$128	$275	$3,298	-8%
24	$130	$280	$3,364	2%
25	$119	$259	$3,111	-8%
26	$119	$252	$3,027	-3%
27	$113	$256	$3,077	2%
28	$108	$239	$2,868	-7%
29	$105	$231	$2,769	-3%
30	$112	$235	$2,818	2%
31	$103	$231	$2,770	-2%
32	$101	$216	$2,588	-7%
33	$100	$213	$2,551	-1%
34	$94	$213	$2,553	0%
35	$96	$211	$2,531	-1%
36	$97	$208	$2,496	-1%
37	$100	$214	$2,563	3%
38	$92	$201	$2,417	-6%
39	$94	$214	$2,567	6%
40	$96	$212	$2,542	-1%
41	$89	$190	$2,279	-10%
42	$88	$185	$2,223	-2%
43	$88	$208	$2,501	12%
44	$89	$195	$2,339	-6%
45	$86	$190	$2,285	-2%
46	$85	$187	$2,245	-2%
47	$87	$193	$2,315	3%
48	$86	$192	$2,306	-0%
49	$87	$187	$2,243	-3%
50	$82	$184	$2,203	-2%
51	$78	$169	$2,025	-8%
52	$83	$188	$2,261	12%
53	$81	$178	$2,141	-5%
54	$76	$167	$2,001	-7%
55	$84	$184	$2,203	10%
56	$77	$167	$2,009	-9%
57	$79	$164	$1,967	-2%
58	$78	$175	$2,103	7%
59	$79	$168	$2,016	-4%
60	$71	$152	$1,820	-10%
61	$76	$160	$1,920	5%
62	$75	$158	$1,891	-2%
63	$76	$153	$1,835	-3%
64	$73	$160	$1,919	5%
65	$72	$148	$1,776	-7%
66	$72	$147	$1,769	-0%
67	$73	$149	$1,786	1%
68	$75	$152	$1,823	2%
69	$74	$146	$1,757	-4%
70	$78	$158	$1,902	8%
71	$77	$154	$1,844	-3%
72	$80	$163	$1,951	6%
73	$74	$147	$1,763	-10%
74	$81	$148	$1,778	1%
75	$82	$168	$2,012	13%

Last Updated Aug. 11, 2026

Key takeaway: Colorado’s steepest drop is 20% at age 21. Denver-area drivers pay above the statewide average at every age. By 75, rates average $168/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 $433 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	$633	$7,593	-18%
18	$396	$746	$8,952	18%
19	$320	$611	$7,331	-18%
20	$273	$536	$6,426	-12%
21	$227	$433	$5,191	-19%
22	$228	$425	$5,102	-2%
23	$216	$397	$4,763	-7%
24	$200	$374	$4,483	-6%
25	$189	$380	$4,560	2%
26	$184	$336	$4,035	-12%
27	$175	$312	$3,747	-7%
28	$172	$307	$3,687	-2%
29	$178	$312	$3,746	2%
30	$169	$297	$3,559	-5%
31	$168	$300	$3,604	1%
32	$160	$278	$3,336	-7%
33	$161	$273	$3,281	-2%
34	$159	$266	$3,193	-3%
35	$161	$277	$3,319	4%
36	$165	$283	$3,399	2%
37	$154	$263	$3,157	-7%
38	$158	$268	$3,216	2%
39	$157	$259	$3,109	-3%
40	$153	$258	$3,099	-0%
41	$144	$257	$3,087	-0%
42	$146	$244	$2,926	-5%
43	$152	$253	$3,032	4%
44	$152	$264	$3,170	5%
45	$161	$278	$3,338	5%
46	$154	$254	$3,045	-9%
47	$146	$252	$3,021	-1%
48	$141	$235	$2,825	-6%
49	$149	$256	$3,068	9%
50	$143	$254	$3,049	-1%
51	$138	$237	$2,848	-7%
52	$133	$233	$2,790	-2%
53	$140	$242	$2,901	4%
54	$135	$230	$2,756	-5%
55	$144	$241	$2,897	5%
56	$135	$230	$2,763	-5%
57	$123	$212	$2,539	-8%
58	$132	$216	$2,589	2%
59	$123	$199	$2,393	-8%
60	$128	$224	$2,683	12%
61	$118	$200	$2,403	-10%
62	$120	$201	$2,416	1%
63	$119	$204	$2,445	1%
64	$116	$195	$2,335	-5%
65	$118	$196	$2,348	1%
66	$115	$197	$2,362	1%
67	$115	$195	$2,341	-1%
68	$115	$199	$2,387	2%
69	$130	$215	$2,579	8%
70	$121	$206	$2,476	-4%
71	$122	$205	$2,455	-1%
72	$119	$209	$2,508	2%
73	$129	$236	$2,830	13%
74	$114	$214	$2,570	-9%
75	$128	$227	$2,725	6%

Last Updated Aug. 11, 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 $227/mo.

Delaware

Delaware rates spike sharply through the late teen years, with 18-year-olds averaging $472 per month before a steep 30% drop at 19. By 30, rates settle to $238 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	$370	$585	$7,017	–
18	$350	$693	$8,310	18%
19	$273	$472	$5,668	-32%
20	$189	$329	$3,949	-30%
21	$203	$325	$3,898	-1%
22	$176	$290	$3,478	-11%
23	$175	$289	$3,470	-0%
24	$154	$265	$3,178	-8%
25	$152	$252	$3,027	-5%
26	$141	$225	$2,701	-11%
27	$145	$232	$2,789	3%
28	$138	$226	$2,710	-3%
29	$141	$226	$2,710	0%
30	$142	$239	$2,869	6%
31	$139	$238	$2,852	-1%
32	$132	$215	$2,580	-10%
33	$130	$211	$2,528	-2%
34	$130	$207	$2,478	-2%
35	$131	$217	$2,603	5%
36	$123	$198	$2,372	-9%
37	$122	$206	$2,473	4%
38	$131	$212	$2,545	3%
39	$130	$197	$2,363	-7%
40	$119	$190	$2,285	-3%
41	$132	$203	$2,433	6%
42	$123	$198	$2,378	-2%
43	$118	$186	$2,231	-6%
44	$127	$218	$2,620	17%
45	$122	$209	$2,512	-4%
46	$127	$206	$2,470	-2%
47	$118	$198	$2,380	-4%
48	$116	$190	$2,286	-4%
49	$115	$196	$2,357	3%
50	$109	$175	$2,101	-11%
51	$136	$220	$2,639	26%
52	$105	$183	$2,192	-17%
53	$108	$177	$2,121	-3%
54	$110	$187	$2,241	6%
55	$106	$170	$2,042	-9%
56	$109	$184	$2,211	8%
57	$108	$179	$2,151	-3%
58	$99	$180	$2,160	0%
59	$98	$163	$1,952	-10%
60	$107	$174	$2,088	7%
61	$100	$165	$1,975	-5%
62	$96	$159	$1,908	-3%
63	$110	$166	$1,991	4%
64	$101	$157	$1,885	-5%
65	$97	$162	$1,949	3%
66	$83	$151	$1,817	-7%
67	$90	$151	$1,807	-1%
68	$101	$168	$2,020	12%
69	$102	$169	$2,023	0%
70	$106	$176	$2,114	4%
71	$111	$190	$2,276	8%
72	$88	$150	$1,803	-21%
73	$90	$150	$1,794	-0%
74	$99	$157	$1,883	5%
75	$90	$160	$1,916	2%

Last Updated Aug. 11, 2026

Key takeaway: Delaware rates peak at 18 ($472/mo) before dropping sharply. By 30, the average falls to $238/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 $500 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 $181 per month. Florida’s rates level off more slowly after 65 than most states, with 75-year-olds averaging $174 per month.

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

16	$212	$490	$5,880	–
17	$204	$499	$5,987	2%
18	$202	$500	$6,001	0%
19	$180	$440	$5,277	-12%
20	$159	$390	$4,676	-11%
21	$145	$353	$4,241	-9%
22	$134	$337	$4,046	-5%
23	$123	$303	$3,633	-10%
24	$127	$297	$3,559	-2%
25	$124	$291	$3,487	-2%
26	$116	$279	$3,343	-4%
27	$116	$284	$3,406	2%
28	$116	$277	$3,321	-3%
29	$109	$272	$3,259	-2%
30	$110	$266	$3,187	-2%
31	$108	$264	$3,165	-1%
32	$108	$258	$3,097	-2%
33	$102	$251	$3,018	-3%
34	$102	$248	$2,974	-1%
35	$99	$241	$2,892	-3%
36	$98	$240	$2,879	-0%
37	$101	$244	$2,924	2%
38	$97	$233	$2,793	-4%
39	$97	$235	$2,817	1%
40	$97	$235	$2,826	0%
41	$95	$233	$2,794	-1%
42	$96	$232	$2,787	-0%
43	$96	$226	$2,716	-3%
44	$92	$225	$2,703	-0%
45	$92	$220	$2,639	-2%
46	$92	$229	$2,748	4%
47	$90	$221	$2,650	-4%
48	$88	$221	$2,657	0%
49	$90	$229	$2,742	3%
50	$91	$223	$2,676	-2%
51	$89	$219	$2,627	-2%
52	$85	$210	$2,515	-4%
53	$88	$228	$2,735	9%
54	$85	$207	$2,488	-9%
55	$82	$202	$2,427	-2%
56	$78	$196	$2,358	-3%
57	$77	$187	$2,248	-5%
58	$80	$192	$2,302	2%
59	$78	$188	$2,260	-2%
60	$79	$185	$2,221	-2%
61	$77	$182	$2,184	-2%
62	$77	$183	$2,200	1%
63	$78	$186	$2,229	1%
64	$74	$178	$2,134	-4%
65	$74	$181	$2,172	2%
66	$73	$174	$2,091	-4%
67	$76	$177	$2,123	2%
68	$74	$177	$2,120	-0%
69	$74	$178	$2,131	0%
70	$73	$176	$2,111	-1%
71	$77	$184	$2,213	5%
72	$76	$179	$2,145	-3%
73	$74	$175	$2,104	-2%
74	$77	$187	$2,249	7%
75	$76	$174	$2,092	-7%

Last Updated Aug. 11, 2026

Key takeaway: Florida rates peak at 18 ($500/mo) before falling. PIP coverage is required statewide, which adds to premiums at every age. By 65, the average is $181/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 $544 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 $255 per month, and 75-year-olds average $281 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	$342	$655	$7,865	-4%
18	$422	$831	$9,970	27%
19	$367	$699	$8,390	-16%
20	$330	$625	$7,499	-11%
21	$288	$544	$6,523	-13%
22	$258	$491	$5,889	-10%
23	$245	$448	$5,374	-9%
24	$228	$419	$5,031	-6%
25	$212	$386	$4,634	-8%
26	$204	$368	$4,416	-5%
27	$199	$354	$4,254	-4%
28	$193	$343	$4,117	-3%
29	$188	$337	$4,043	-2%
30	$185	$325	$3,898	-4%
31	$178	$316	$3,797	-3%
32	$184	$317	$3,800	0%
33	$181	$312	$3,746	-1%
34	$173	$308	$3,696	-1%
35	$175	$310	$3,725	1%
36	$174	$312	$3,743	0%
37	$171	$304	$3,654	-2%
38	$174	$313	$3,751	3%
39	$165	$289	$3,466	-8%
40	$167	$295	$3,541	2%
41	$160	$287	$3,448	-3%
42	$161	$286	$3,428	-1%
43	$155	$275	$3,301	-4%
44	$159	$282	$3,379	2%
45	$157	$279	$3,347	-1%
46	$149	$266	$3,195	-5%
47	$145	$266	$3,190	-0%
48	$152	$275	$3,298	3%
49	$148	$273	$3,282	-1%
50	$151	$272	$3,262	-1%
51	$140	$252	$3,024	-7%
52	$144	$253	$3,037	0%
53	$141	$249	$2,990	-2%
54	$137	$243	$2,914	-3%
55	$140	$253	$3,035	4%
56	$140	$253	$3,042	0%
57	$142	$254	$3,043	0%
58	$134	$239	$2,863	-6%
59	$138	$249	$2,983	4%
60	$142	$252	$3,018	1%
61	$140	$253	$3,031	0%
62	$139	$241	$2,898	-4%
63	$138	$248	$2,970	2%
64	$140	$247	$2,968	-0%
65	$143	$255	$3,059	3%
66	$139	$259	$3,112	2%
67	$136	$246	$2,957	-5%
68	$141	$251	$3,012	2%
69	$140	$255	$3,061	2%
70	$142	$251	$3,009	-2%
71	$144	$259	$3,113	3%
72	$149	$268	$3,210	3%
73	$141	$263	$3,153	-2%
74	$146	$261	$3,131	-1%
75	$146	$281	$3,372	8%

Last Updated Aug. 11, 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 $255/mo, still above the national norm.

Idaho

Idaho is one of the most affordable states for car insurance in the country. There, 16-year-olds average $281 per month. By 30, that figure drops to just $112 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	$140	$281	$3,368	–
17	$134	$229	$2,751	-18%
18	$162	$259	$3,104	13%
19	$127	$215	$2,579	-17%
20	$108	$202	$2,423	-6%
21	$102	$182	$2,188	-10%
22	$82	$145	$1,734	-21%
23	$67	$130	$1,556	-10%
24	$65	$119	$1,432	-8%
25	$69	$133	$1,595	11%
26	$66	$136	$1,634	2%
27	$56	$111	$1,328	-19%
28	$63	$132	$1,586	19%
29	$62	$110	$1,315	-17%
30	$55	$112	$1,350	3%
31	$59	$106	$1,272	-6%
32	$62	$121	$1,446	14%
33	$53	$103	$1,241	-14%
34	$63	$117	$1,405	13%
35	$61	$108	$1,291	-8%
36	$52	$99	$1,194	-8%
37	$54	$106	$1,276	7%
38	$47	$83	$998	-22%
39	$54	$100	$1,204	21%
40	$53	$96	$1,150	-5%
41	$56	$111	$1,327	15%
42	$56	$98	$1,172	-12%
43	$56	$102	$1,226	5%
44	$54	$99	$1,187	-3%
45	$51	$90	$1,081	-9%
46	$57	$113	$1,355	25%
47	$46	$81	$977	-28%
48	$56	$93	$1,118	14%
49	$50	$86	$1,036	-7%
50	$52	$89	$1,068	3%
51	$48	$92	$1,102	3%
52	$44	$82	$988	-10%
53	$50	$93	$1,112	13%
54	$45	$79	$946	-15%
55	$50	$88	$1,053	11%
56	$42	$73	$872	-17%
57	$52	$92	$1,101	26%
58	$42	$80	$957	-13%
59	$42	$72	$859	-10%
60	$41	$73	$873	2%
61	$35	$64	$767	-12%
62	$41	$72	$869	13%
63	$39	$72	$863	-1%
64	$43	$84	$1,013	17%
65	$46	$74	$888	-12%
66	$41	$75	$904	2%
67	$40	$70	$835	-8%
68	$39	$69	$825	-1%
69	$39	$70	$843	2%
70	$37	$65	$774	-8%
71	$44	$79	$945	22%
72	$39	$74	$891	-6%
73	$40	$72	$861	-3%
74	$41	$68	$817	-5%
75	$40	$70	$844	3%

Last Updated Aug. 11, 2026

Key takeaway: Idaho is among the cheapest states at every age. Teens average $281/mo at 16, dropping to just $112/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 $343 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 11% respectively, steeper than the national average for those years. By 30, Illinois drivers average $188 per month. Rates continue declining into the 60s, reaching $132 per month at age 65. By 75, the average is $133 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	$192	$343	$4,111	–
17	$202	$371	$4,456	8%
18	$200	$393	$4,722	6%
19	$195	$394	$4,729	0%
20	$175	$391	$4,692	-1%
21	$151	$335	$4,023	-14%
22	$133	$299	$3,584	-11%
23	$131	$262	$3,140	-12%
24	$121	$236	$2,836	-10%
25	$113	$223	$2,670	-6%
26	$107	$207	$2,478	-7%
27	$102	$194	$2,332	-6%
28	$100	$192	$2,310	-1%
29	$101	$194	$2,323	1%
30	$95	$188	$2,250	-3%
31	$92	$182	$2,178	-3%
32	$100	$199	$2,384	9%
33	$94	$179	$2,152	-10%
34	$90	$182	$2,190	2%
35	$91	$180	$2,159	-1%
36	$86	$177	$2,124	-2%
37	$88	$173	$2,072	-2%
38	$92	$181	$2,172	5%
39	$96	$189	$2,264	4%
40	$87	$166	$1,997	-12%
41	$82	$157	$1,887	-6%
42	$84	$163	$1,961	4%
43	$87	$164	$1,967	0%
44	$89	$167	$1,999	2%
45	$82	$159	$1,903	-5%
46	$82	$160	$1,925	1%
47	$88	$164	$1,964	2%
48	$81	$155	$1,863	-5%
49	$80	$155	$1,859	-0%
50	$81	$151	$1,814	-2%
51	$84	$160	$1,921	6%
52	$82	$151	$1,810	-6%
53	$81	$153	$1,839	2%
54	$78	$146	$1,754	-5%
55	$80	$160	$1,919	9%
56	$76	$141	$1,688	-12%
57	$75	$141	$1,697	1%
58	$74	$141	$1,696	-0%
59	$80	$148	$1,773	5%
60	$77	$143	$1,712	-3%
61	$74	$142	$1,709	-0%
62	$74	$138	$1,660	-3%
63	$71	$136	$1,631	-2%
64	$76	$143	$1,715	5%
65	$73	$132	$1,578	-8%
66	$72	$139	$1,665	6%
67	$76	$137	$1,645	-1%
68	$73	$134	$1,608	-2%
69	$73	$133	$1,597	-1%
70	$74	$142	$1,704	7%
71	$71	$136	$1,633	-4%
72	$76	$144	$1,724	6%
73	$74	$131	$1,577	-9%
74	$72	$131	$1,573	-0%
75	$73	$133	$1,598	2%

Last Updated Aug. 11, 2026

Key takeaway: Illinois 16-year-olds average $343/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 $146 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	$273	$3,274	-19%
18	$148	$297	$3,567	9%
19	$135	$269	$3,230	-9%
20	$124	$267	$3,203	-1%
21	$109	$225	$2,699	-16%
22	$99	$203	$2,436	-10%
23	$91	$186	$2,238	-8%
24	$89	$178	$2,133	-5%
25	$86	$174	$2,088	-2%
26	$81	$156	$1,877	-10%
27	$80	$150	$1,795	-4%
28	$80	$155	$1,865	4%
29	$76	$145	$1,742	-7%
30	$77	$146	$1,756	1%
31	$72	$147	$1,760	0%
32	$73	$138	$1,653	-6%
33	$70	$128	$1,541	-7%
34	$68	$134	$1,604	4%
35	$67	$124	$1,486	-7%
36	$71	$137	$1,646	11%
37	$69	$131	$1,578	-4%
38	$71	$133	$1,594	1%
39	$68	$129	$1,549	-3%
40	$69	$142	$1,699	10%
41	$66	$128	$1,540	-9%
42	$66	$133	$1,597	4%
43	$66	$127	$1,519	-5%
44	$63	$122	$1,463	-4%
45	$66	$127	$1,529	5%
46	$68	$130	$1,560	2%
47	$64	$124	$1,487	-5%
48	$62	$119	$1,426	-4%
49	$64	$124	$1,489	4%
50	$61	$116	$1,387	-7%
51	$64	$125	$1,500	8%
52	$64	$116	$1,390	-7%
53	$63	$119	$1,433	3%
54	$59	$112	$1,341	-6%
55	$58	$110	$1,316	-2%
56	$54	$102	$1,223	-7%
57	$61	$118	$1,417	16%
58	$56	$105	$1,261	-11%
59	$55	$104	$1,249	-1%
60	$58	$107	$1,288	3%
61	$60	$114	$1,371	6%
62	$53	$106	$1,271	-7%
63	$55	$109	$1,303	2%
64	$55	$107	$1,287	-1%
65	$54	$102	$1,225	-5%
66	$56	$106	$1,277	4%
67	$57	$103	$1,241	-3%
68	$52	$101	$1,218	-2%
69	$55	$98	$1,180	-3%
70	$59	$109	$1,312	11%
71	$62	$114	$1,369	4%
72	$59	$107	$1,281	-6%
73	$58	$105	$1,258	-2%
74	$66	$117	$1,402	11%
75	$63	$114	$1,367	-2%

Last Updated Aug. 11, 2026

Key takeaway: Indiana rates are affordable across all age groups; 16-year-olds average $336/mo, and by 30 the average falls to $146/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	$114	$201	$2,409	-16%
18	$120	$231	$2,773	15%
19	$118	$216	$2,587	-7%
20	$84	$176	$2,111	-18%
21	$92	$174	$2,083	-1%
22	$71	$142	$1,710	-18%
23	$66	$112	$1,344	-21%
24	$60	$112	$1,340	-0%
25	$60	$112	$1,343	0%
26	$54	$103	$1,236	-8%
27	$62	$114	$1,368	11%
28	$59	$107	$1,288	-6%
29	$64	$124	$1,489	16%
30	$58	$103	$1,240	-17%
31	$55	$108	$1,290	4%
32	$62	$115	$1,377	7%
33	$58	$103	$1,232	-11%
34	$56	$99	$1,192	-3%
35	$52	$97	$1,166	-2%
36	$48	$88	$1,052	-10%
37	$47	$84	$1,014	-4%
38	$49	$90	$1,076	6%
39	$52	$93	$1,119	4%
40	$50	$95	$1,143	2%
41	$54	$100	$1,205	5%
42	$50	$91	$1,090	-10%
43	$48	$94	$1,123	3%
44	$47	$90	$1,078	-4%
45	$54	$102	$1,226	14%
46	$47	$82	$983	-20%
47	$47	$86	$1,038	6%
48	$50	$81	$978	-6%
49	$45	$86	$1,032	6%
50	$47	$83	$995	-4%
51	$43	$85	$1,016	2%
52	$44	$85	$1,021	1%
53	$43	$87	$1,038	2%
54	$41	$75	$899	-13%
55	$42	$73	$872	-3%
56	$41	$83	$990	14%
57	$46	$81	$968	-2%
58	$40	$75	$895	-8%
59	$36	$73	$874	-2%
60	$36	$75	$897	3%
61	$40	$74	$886	-1%
62	$36	$69	$832	-6%
63	$40	$71	$848	2%
64	$34	$66	$792	-7%
65	$35	$74	$889	12%
66	$36	$67	$800	-10%
67	$31	$61	$737	-8%
68	$42	$70	$846	15%
69	$33	$70	$840	-1%
70	$32	$63	$761	-9%
71	$52	$82	$986	30%
72	$36	$69	$832	-16%
73	$37	$77	$922	11%
74	$37	$77	$919	-0%
75	$40	$74	$885	-4%

Last Updated Aug. 11, 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 $302 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	$302	$3,627	–
17	$183	$292	$3,510	-3%
18	$177	$321	$3,853	10%
19	$147	$284	$3,403	-12%
20	$139	$261	$3,134	-8%
21	$118	$241	$2,894	-8%
22	$119	$226	$2,708	-6%
23	$105	$198	$2,373	-12%
24	$97	$170	$2,037	-14%
25	$94	$176	$2,115	4%
26	$90	$164	$1,974	-7%
27	$88	$171	$2,047	4%
28	$81	$158	$1,901	-7%
29	$83	$150	$1,796	-6%
30	$83	$152	$1,825	2%
31	$86	$154	$1,842	1%
32	$81	$148	$1,774	-4%
33	$80	$146	$1,753	-1%
34	$83	$148	$1,779	2%
35	$81	$145	$1,746	-2%
36	$77	$150	$1,800	3%
37	$76	$141	$1,689	-6%
38	$73	$136	$1,629	-4%
39	$71	$131	$1,569	-4%
40	$71	$134	$1,605	2%
41	$71	$131	$1,573	-2%
42	$76	$139	$1,662	6%
43	$75	$132	$1,586	-5%
44	$78	$142	$1,698	7%
45	$75	$137	$1,649	-3%
46	$68	$128	$1,533	-7%
47	$68	$130	$1,559	2%
48	$71	$140	$1,678	8%
49	$70	$127	$1,528	-9%
50	$64	$118	$1,411	-8%
51	$64	$124	$1,484	5%
52	$74	$142	$1,707	15%
53	$64	$123	$1,479	-13%
54	$61	$108	$1,302	-12%
55	$69	$133	$1,598	23%
56	$57	$106	$1,269	-21%
57	$64	$124	$1,482	17%
58	$63	$104	$1,253	-15%
59	$61	$113	$1,357	8%
60	$55	$97	$1,161	-14%
61	$64	$113	$1,361	17%
62	$61	$111	$1,336	-2%
63	$62	$112	$1,348	1%
64	$62	$111	$1,331	-1%
65	$58	$103	$1,233	-7%
66	$61	$114	$1,366	11%
67	$66	$125	$1,497	10%
68	$58	$106	$1,270	-15%
69	$63	$110	$1,316	4%
70	$53	$95	$1,142	-13%
71	$66	$134	$1,603	40%
72	$60	$108	$1,294	-19%
73	$61	$110	$1,323	2%
74	$59	$114	$1,365	3%
75	$51	$96	$1,156	-15%

Last Updated Aug. 11, 2026

Key takeaway: Kansas rates are below average across most age groups. Kansas-based 16-year-olds average $302/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	$285	$474	$5,690	-1%
18	$246	$438	$5,261	-8%
19	$229	$483	$5,794	10%
20	$222	$472	$5,669	-2%
21	$203	$413	$4,952	-13%
22	$179	$382	$4,589	-7%
23	$165	$343	$4,116	-10%
24	$161	$332	$3,989	-3%
25	$159	$318	$3,821	-4%
26	$165	$345	$4,144	8%
27	$146	$300	$3,595	-13%
28	$147	$318	$3,813	6%
29	$143	$301	$3,612	-5%
30	$138	$281	$3,373	-7%
31	$138	$301	$3,606	7%
32	$140	$290	$3,480	-3%
33	$132	$285	$3,420	-2%
34	$132	$272	$3,259	-5%
35	$128	$272	$3,264	0%
36	$130	$282	$3,381	4%
37	$131	$286	$3,432	1%
38	$130	$283	$3,395	-1%
39	$127	$277	$3,318	-2%
40	$126	$275	$3,304	-0%
41	$127	$302	$3,627	10%
42	$118	$252	$3,026	-17%
43	$119	$273	$3,272	8%
44	$117	$254	$3,044	-7%
45	$119	$257	$3,085	1%
46	$120	$253	$3,031	-2%
47	$124	$266	$3,194	5%
48	$116	$234	$2,812	-12%
49	$119	$263	$3,159	12%
50	$116	$235	$2,815	-11%
51	$113	$233	$2,793	-1%
52	$108	$231	$2,769	-1%
53	$106	$221	$2,654	-4%
54	$109	$232	$2,783	5%
55	$110	$228	$2,739	-2%
56	$104	$211	$2,536	-7%
57	$105	$226	$2,714	7%
58	$104	$210	$2,524	-7%
59	$107	$224	$2,683	6%
60	$106	$231	$2,770	3%
61	$103	$220	$2,640	-5%
62	$102	$215	$2,585	-2%
63	$104	$222	$2,667	3%
64	$106	$217	$2,600	-3%
65	$104	$224	$2,693	4%
66	$102	$193	$2,311	-14%
67	$100	$204	$2,450	6%
68	$98	$189	$2,269	-7%
69	$101	$206	$2,471	9%
70	$105	$232	$2,788	13%
71	$110	$254	$3,051	9%
72	$105	$203	$2,436	-20%
73	$100	$214	$2,570	5%
74	$97	$196	$2,357	-8%
75	$104	$204	$2,451	4%

Last Updated Aug. 11, 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 $204/mo at 75

Louisiana

Louisiana consistently ranks among the most expensive states for car insurance in the country. Its 16-year-olds average $788 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	$409	$788	$9,462	–
17	$273	$479	$5,753	-39%
18	$291	$533	$6,390	11%
19	$247	$491	$5,889	-8%
20	$230	$471	$5,651	-4%
21	$194	$393	$4,716	-17%
22	$182	$372	$4,458	-5%
23	$172	$340	$4,075	-9%
24	$157	$314	$3,773	-7%
25	$142	$296	$3,558	-6%
26	$144	$281	$3,368	-5%
27	$128	$272	$3,269	-3%
28	$129	$276	$3,309	1%
29	$120	$260	$3,115	-6%
30	$126	$260	$3,123	0%
31	$123	$266	$3,187	2%
32	$124	$264	$3,163	-1%
33	$128	$271	$3,252	3%
34	$128	$293	$3,518	8%
35	$121	$279	$3,344	-5%
36	$118	$258	$3,093	-7%
37	$116	$261	$3,127	1%
38	$106	$236	$2,835	-9%
39	$118	$262	$3,139	11%
40	$107	$250	$3,001	-4%
41	$111	$247	$2,962	-1%
42	$106	$235	$2,815	-5%
43	$112	$256	$3,075	9%
44	$118	$269	$3,223	5%
45	$102	$230	$2,756	-14%
46	$108	$248	$2,972	8%
47	$104	$233	$2,800	-6%
48	$113	$250	$3,000	7%
49	$107	$240	$2,876	-4%
50	$106	$233	$2,795	-3%
51	$117	$269	$3,226	15%
52	$97	$223	$2,671	-17%
53	$99	$222	$2,662	-0%
54	$99	$217	$2,601	-2%
55	$100	$219	$2,626	1%
56	$84	$191	$2,288	-13%
57	$97	$213	$2,552	12%
58	$91	$207	$2,481	-3%
59	$88	$196	$2,350	-5%
60	$92	$219	$2,623	12%
61	$91	$207	$2,487	-5%
62	$88	$196	$2,350	-6%
63	$96	$208	$2,492	6%
64	$97	$205	$2,464	-1%
65	$94	$208	$2,498	1%
66	$93	$197	$2,366	-5%
67	$90	$188	$2,260	-4%
68	$101	$203	$2,437	8%
69	$99	$211	$2,529	4%
70	$86	$185	$2,223	-12%
71	$92	$189	$2,262	2%
72	$91	$191	$2,295	1%
73	$103	$212	$2,544	11%
74	$95	$202	$2,425	-5%
75	$90	$205	$2,458	1%

Last Updated Aug. 11, 2026

Key takeaway: Louisiana 16-year-olds average $788/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 $128 per month, one of the lowest 30-year-old averages in the Northeast.

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

17	$272	$411	$4,928	–
18	$182	$312	$3,739	-24%
19	$162	$279	$3,353	-10%
20	$165	$274	$3,283	-2%
21	$126	$233	$2,791	-15%
22	$99	$180	$2,157	-23%
23	$85	$158	$1,900	-12%
24	$88	$167	$2,003	5%
25	$78	$135	$1,626	-19%
26	$78	$145	$1,735	7%
27	$75	$137	$1,646	-5%
28	$78	$134	$1,605	-3%
29	$79	$129	$1,553	-3%
30	$75	$128	$1,531	-1%
31	$73	$125	$1,503	-2%
32	$52	$100	$1,196	-20%
33	$67	$124	$1,486	24%
34	$67	$120	$1,444	-3%
35	$67	$120	$1,437	-0%
36	$68	$115	$1,380	-4%
37	$61	$101	$1,211	-12%
38	$59	$104	$1,244	3%
39	$55	$103	$1,239	-0%
40	$73	$114	$1,372	11%
41	$63	$115	$1,382	1%
42	$62	$101	$1,209	-13%
43	$61	$108	$1,295	7%
44	$54	$103	$1,237	-4%
45	$61	$97	$1,163	-6%
46	$60	$99	$1,182	2%
47	$58	$105	$1,266	7%
48	$55	$90	$1,080	-15%
49	$52	$95	$1,145	6%
50	$53	$98	$1,179	3%
51	$51	$92	$1,102	-7%
52	$55	$89	$1,063	-4%
53	$49	$90	$1,078	1%
54	$59	$111	$1,326	23%
55	$58	$91	$1,092	-18%
56	$45	$77	$922	-16%
57	$49	$83	$991	8%
58	$56	$95	$1,144	15%
59	$50	$99	$1,185	4%
60	$41	$77	$923	-22%
61	$50	$84	$1,006	9%
62	$46	$86	$1,034	3%
63	$41	$72	$863	-17%
64	$46	$78	$937	9%
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	$38	$71	$852	7%
71	$37	$68	$812	-5%
72	$47	$73	$882	9%
73	$49	$74	$892	1%
74	$38	$67	$799	-11%
75	$35	$58	$695	-13%

Last Updated Aug. 11, 2026

Key takeaway: Maine offers some of the lowest rates in New England. By 30, the average is just $128/mo. A sharp contrast to neighboring Connecticut and Rhode Island at every age.

Maryland

Maryland has some of the highest teen rates in the country. The state’s 16-year-olds average $954 per month, driven by dense population in the Baltimore-Washington corridor, high liability minimums and elevated claims costs. Rates fall substantially with age but remain above national averages throughout.

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

16	$403	$954	$11,442	–
17	$451	$924	$11,094	-3%
18	$371	$770	$9,240	-17%
19	$327	$649	$7,787	-16%
20	$318	$613	$7,357	-6%
21	$289	$560	$6,720	-9%
22	$238	$477	$5,720	-15%
23	$236	$456	$5,466	-4%
24	$226	$429	$5,147	-6%
25	$221	$418	$5,020	-2%
26	$201	$376	$4,507	-10%
27	$196	$364	$4,365	-3%
28	$191	$357	$4,286	-2%
29	$189	$350	$4,199	-2%
30	$196	$343	$4,113	-2%
31	$194	$338	$4,062	-1%
32	$178	$318	$3,820	-6%
33	$178	$322	$3,861	1%
34	$176	$316	$3,795	-2%
35	$179	$332	$3,985	5%
36	$181	$325	$3,903	-2%
37	$180	$330	$3,960	1%
38	$194	$343	$4,120	4%
39	$167	$295	$3,537	-14%
40	$167	$300	$3,596	2%
41	$165	$313	$3,752	4%
42	$157	$299	$3,591	-4%
43	$163	$305	$3,665	2%
44	$157	$279	$3,351	-9%
45	$159	$272	$3,268	-2%
46	$157	$310	$3,721	14%
47	$155	$275	$3,295	-11%
48	$150	$272	$3,263	-1%
49	$149	$268	$3,213	-2%
50	$161	$286	$3,436	7%
51	$141	$253	$3,037	-12%
52	$155	$273	$3,271	8%
53	$143	$244	$2,924	-11%
54	$151	$278	$3,335	14%
55	$146	$267	$3,206	-4%
56	$136	$253	$3,037	-5%
57	$141	$261	$3,130	3%
58	$135	$230	$2,759	-12%
59	$141	$261	$3,131	13%
60	$131	$250	$2,999	-4%
61	$130	$239	$2,873	-4%
62	$134	$236	$2,833	-1%
63	$129	$240	$2,885	2%
64	$140	$257	$3,078	7%
65	$136	$242	$2,904	-6%
66	$136	$234	$2,807	-3%
67	$133	$238	$2,855	2%
68	$140	$242	$2,909	2%
69	$132	$259	$3,103	7%
70	$120	$222	$2,664	-14%
71	$149	$267	$3,204	20%
72	$130	$241	$2,886	-10%
73	$130	$257	$3,089	7%
74	$132	$260	$3,118	1%
75	$105	$211	$2,538	-19%

Last Updated Aug. 11, 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 $242/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 $145 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	$5,227	–
17	$364	$623	$7,472	43%
18	$361	$545	$6,537	-13%
19	$342	$542	$6,500	-1%
20	$288	$498	$5,973	-8%
21	$274	$506	$6,068	2%
22	$239	$442	$5,309	-13%
23	$212	$385	$4,626	-13%
24	$196	$373	$4,479	-3%
25	$176	$353	$4,234	-5%
26	$173	$335	$4,017	-5%
27	$168	$344	$4,127	3%
28	$160	$317	$3,805	-8%
29	$153	$300	$3,600	-5%
30	$154	$288	$3,456	-4%
31	$146	$277	$3,322	-4%
32	$147	$273	$3,278	-1%
33	$130	$264	$3,164	-3%
34	$132	$247	$2,960	-6%
35	$136	$255	$3,058	3%
36	$130	$249	$2,988	-2%
37	$125	$219	$2,633	-12%
38	$129	$233	$2,799	6%
39	$126	$234	$2,808	0%
40	$117	$222	$2,666	-5%
41	$116	$216	$2,595	-3%
42	$118	$222	$2,659	2%
43	$115	$224	$2,692	1%
44	$118	$212	$2,549	-5%
45	$114	$214	$2,566	1%
46	$116	$218	$2,618	2%
47	$110	$191	$2,287	-13%
48	$113	$191	$2,297	0%
49	$102	$184	$2,213	-4%
50	$112	$186	$2,233	1%
51	$102	$177	$2,123	-5%
52	$108	$186	$2,228	5%
53	$105	$203	$2,433	9%
54	$98	$185	$2,224	-9%
55	$93	$176	$2,117	-5%
56	$97	$194	$2,324	10%
57	$98	$171	$2,054	-12%
58	$102	$180	$2,155	5%
59	$90	$181	$2,172	1%
60	$93	$172	$2,062	-5%
61	$88	$159	$1,906	-8%
62	$85	$157	$1,881	-1%
63	$81	$157	$1,883	0%
64	$87	$170	$2,036	8%
65	$79	$145	$1,743	-14%
66	$76	$151	$1,815	4%
67	$72	$133	$1,594	-12%
68	$75	$154	$1,847	16%
69	$75	$138	$1,660	-10%
70	$84	$153	$1,841	11%
71	$84	$146	$1,756	-5%
72	$67	$128	$1,542	-12%
73	$68	$124	$1,490	-3%
74	$80	$142	$1,710	15%
75	$82	$134	$1,605	-6%

Last Updated Aug. 11, 2026

Key takeaway: Massachusetts bans gender-based pricing and requires PIP coverage. 16-year-olds average $436/mo. Rates drop significantly with age, reaching $145/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 $609 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	$609	$7,308	–
17	$229	$433	$5,193	-29%
18	$240	$470	$5,641	9%
19	$220	$433	$5,195	-8%
20	$199	$390	$4,682	-10%
21	$173	$345	$4,145	-11%
22	$150	$295	$3,542	-15%
23	$153	$303	$3,631	3%
24	$143	$283	$3,393	-7%
25	$143	$280	$3,366	-1%
26	$131	$250	$3,004	-11%
27	$137	$256	$3,069	2%
28	$132	$250	$2,998	-2%
29	$127	$239	$2,868	-4%
30	$131	$247	$2,966	3%
31	$129	$253	$3,031	2%
32	$125	$229	$2,746	-9%
33	$122	$224	$2,689	-2%
34	$121	$227	$2,729	1%
35	$125	$246	$2,951	8%
36	$128	$239	$2,868	-3%
37	$126	$235	$2,826	-1%
38	$116	$217	$2,607	-8%
39	$117	$238	$2,855	10%
40	$116	$217	$2,609	-9%
41	$118	$212	$2,549	-2%
42	$121	$224	$2,684	5%
43	$122	$225	$2,700	1%
44	$116	$223	$2,682	-1%
45	$117	$218	$2,621	-2%
46	$116	$223	$2,680	2%
47	$120	$223	$2,673	-0%
48	$113	$212	$2,544	-5%
49	$119	$224	$2,691	6%
50	$114	$222	$2,665	-1%
51	$118	$232	$2,780	4%
52	$115	$227	$2,726	-2%
53	$119	$221	$2,655	-3%
54	$115	$220	$2,645	-0%
55	$111	$224	$2,688	2%
56	$112	$213	$2,559	-5%
57	$107	$210	$2,525	-1%
58	$104	$202	$2,428	-4%
59	$102	$203	$2,433	0%
60	$107	$210	$2,525	4%
61	$100	$193	$2,315	-8%
62	$99	$191	$2,295	-1%
63	$98	$192	$2,306	0%
64	$98	$181	$2,176	-6%
65	$97	$195	$2,340	8%
66	$98	$192	$2,301	-2%
67	$100	$194	$2,326	1%
68	$93	$191	$2,290	-2%
69	$91	$185	$2,223	-3%
70	$96	$185	$2,219	-0%
71	$98	$209	$2,512	13%
72	$91	$180	$2,157	-14%
73	$92	$190	$2,276	6%
74	$93	$186	$2,234	-2%
75	$85	$178	$2,138	-4%

Last Updated Aug. 11, 2026

Key takeaway: Michigan rates are above average at every age due to PIP requirements; 16-year-olds average $609/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	$222	$425	$5,094	-6%
19	$206	$404	$4,851	-5%
20	$162	$311	$3,737	-23%
21	$120	$252	$3,030	-19%
22	$117	$243	$2,919	-4%
23	$116	$221	$2,649	-9%
24	$107	$198	$2,380	-10%
25	$104	$199	$2,390	0%
26	$106	$201	$2,410	1%
27	$108	$196	$2,351	-2%
28	$101	$187	$2,243	-5%
29	$94	$194	$2,329	4%
30	$108	$204	$2,445	5%
31	$89	$170	$2,043	-16%
32	$95	$178	$2,133	4%
33	$108	$207	$2,485	17%
34	$89	$165	$1,980	-20%
35	$91	$164	$1,974	-0%
36	$93	$169	$2,032	3%
37	$91	$173	$2,081	2%
38	$80	$151	$1,815	-13%
39	$93	$159	$1,908	5%
40	$91	$161	$1,932	1%
41	$82	$155	$1,862	-4%
42	$84	$147	$1,770	-5%
43	$82	$146	$1,748	-1%
44	$87	$155	$1,861	6%
45	$82	$150	$1,799	-3%
46	$81	$142	$1,708	-5%
47	$83	$151	$1,818	6%
48	$84	$150	$1,800	-1%
49	$80	$145	$1,736	-4%
50	$80	$131	$1,572	-9%
51	$80	$146	$1,749	11%
52	$78	$142	$1,703	-3%
53	$84	$155	$1,861	9%
54	$77	$145	$1,741	-6%
55	$73	$137	$1,641	-6%
56	$76	$138	$1,657	1%
57	$75	$137	$1,640	-1%
58	$66	$117	$1,406	-14%
59	$69	$124	$1,491	6%
60	$69	$120	$1,435	-4%
61	$70	$114	$1,372	-4%
62	$58	$107	$1,288	-6%
63	$70	$116	$1,393	8%
64	$61	$107	$1,287	-8%
65	$56	$100	$1,200	-7%
66	$54	$96	$1,151	-4%
67	$70	$111	$1,336	16%
68	$54	$96	$1,147	-14%
69	$66	$122	$1,468	28%
70	$58	$105	$1,262	-14%
71	$68	$122	$1,462	16%
72	$74	$147	$1,759	20%
73	$58	$92	$1,100	-37%
74	$62	$115	$1,379	25%
75	$66	$112	$1,348	-2%

Last Updated Aug. 11, 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 13% at age 18 and continue rising through age 20, peaking at $336 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	$159	$318	$3,819	13%
19	$147	$355	$4,265	12%
20	$139	$336	$4,033	-5%
21	$120	$306	$3,677	-9%
22	$118	$299	$3,590	-2%
23	$108	$260	$3,123	-13%
24	$102	$235	$2,823	-10%
25	$98	$243	$2,922	3%
26	$91	$233	$2,802	-4%
27	$94	$236	$2,833	1%
28	$90	$234	$2,808	-1%
29	$86	$205	$2,463	-12%
30	$82	$189	$2,269	-8%
31	$83	$227	$2,728	20%
32	$84	$202	$2,428	-11%
33	$84	$228	$2,739	13%
34	$80	$200	$2,401	-12%
35	$83	$211	$2,537	6%
36	$77	$199	$2,383	-6%
37	$79	$191	$2,288	-4%
38	$80	$196	$2,346	3%
39	$80	$202	$2,429	4%
40	$75	$182	$2,184	-10%
41	$75	$205	$2,455	12%
42	$75	$192	$2,305	-6%
43	$80	$195	$2,343	2%
44	$76	$193	$2,314	-1%
45	$74	$194	$2,329	1%
46	$74	$193	$2,318	-0%
47	$77	$203	$2,439	5%
48	$71	$182	$2,188	-10%
49	$71	$168	$2,015	-8%
50	$73	$171	$2,048	2%
51	$69	$179	$2,143	5%
52	$69	$174	$2,092	-2%
53	$68	$158	$1,896	-9%
54	$70	$161	$1,935	2%
55	$66	$154	$1,851	-4%
56	$69	$165	$1,985	7%
57	$66	$150	$1,802	-9%
58	$61	$150	$1,794	-0%
59	$70	$165	$1,977	10%
60	$63	$134	$1,604	-19%
61	$64	$144	$1,725	8%
62	$70	$160	$1,921	11%
63	$64	$139	$1,671	-13%
64	$67	$159	$1,910	14%
65	$61	$135	$1,625	-15%
66	$64	$139	$1,666	2%
67	$61	$129	$1,552	-7%
68	$61	$124	$1,485	-4%
69	$62	$136	$1,634	10%
70	$62	$133	$1,595	-2%
71	$68	$135	$1,617	1%
72	$68	$159	$1,904	18%
73	$68	$170	$2,043	7%
74	$74	$204	$2,447	20%
75	$65	$167	$2,001	-18%

Last Updated Aug. 11, 2026

Key takeaway: Mississippi rates spike from 16 to 20 before falling. The peak is $336/mo at age 20. After that, rates decline steadily, reaching $135/mo by age 65.

Missouri

Missouri data shows significant year-over-year volatility in the teen years, with rates ranging from $420 and $398 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	$253	$420	$5,041	–
17	$213	$368	$4,411	-12%
18	$233	$466	$5,590	27%
19	$208	$399	$4,787	-14%
20	$206	$398	$4,781	-0%
21	$175	$337	$4,048	-15%
22	$161	$327	$3,925	-3%
23	$145	$278	$3,338	-15%
24	$138	$265	$3,178	-5%
25	$141	$277	$3,324	5%
26	$132	$248	$2,982	-10%
27	$131	$253	$3,032	2%
28	$119	$226	$2,713	-11%
29	$126	$246	$2,953	9%
30	$124	$238	$2,854	-3%
31	$118	$231	$2,770	-3%
32	$118	$231	$2,774	0%
33	$114	$214	$2,569	-7%
34	$118	$230	$2,761	7%
35	$109	$206	$2,475	-10%
36	$108	$213	$2,554	3%
37	$112	$218	$2,621	3%
38	$113	$215	$2,584	-1%
39	$107	$209	$2,502	-3%
40	$112	$214	$2,570	3%
41	$109	$207	$2,480	-3%
42	$104	$205	$2,457	-1%
43	$104	$195	$2,335	-5%
44	$108	$199	$2,393	2%
45	$106	$203	$2,441	2%
46	$102	$193	$2,321	-5%
47	$105	$195	$2,344	1%
48	$98	$191	$2,293	-2%
49	$101	$189	$2,273	-1%
50	$98	$193	$2,316	2%
51	$93	$183	$2,200	-5%
52	$102	$193	$2,314	5%
53	$90	$163	$1,960	-15%
54	$95	$175	$2,104	7%
55	$96	$178	$2,138	2%
56	$83	$169	$2,024	-5%
57	$90	$173	$2,071	2%
58	$85	$165	$1,980	-4%
59	$90	$171	$2,047	3%
60	$82	$165	$1,982	-3%
61	$89	$170	$2,045	3%
62	$86	$160	$1,916	-6%
63	$84	$169	$2,024	6%
64	$86	$160	$1,920	-5%
65	$78	$151	$1,815	-5%
66	$86	$164	$1,972	9%
67	$76	$154	$1,852	-6%
68	$81	$155	$1,863	1%
69	$82	$155	$1,861	-0%
70	$79	$153	$1,831	-2%
71	$85	$172	$2,064	13%
72	$84	$154	$1,849	-10%
73	$87	$175	$2,104	14%
74	$66	$123	$1,475	-30%
75	$81	$138	$1,659	12%

Last Updated Aug. 11, 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	$128	$241	$2,895	6%
18	$112	$196	$2,351	-19%
19	$121	$211	$2,528	8%
20	$88	$190	$2,281	-10%
21	$83	$152	$1,828	-20%
22	$76	$184	$2,206	21%
23	$70	$124	$1,484	-33%
24	$76	$146	$1,757	18%
25	$72	$143	$1,714	-2%
26	$63	$131	$1,573	-8%
27	$69	$135	$1,623	3%
28	$67	$143	$1,714	6%
29	$70	$144	$1,724	1%
30	$72	$143	$1,717	-0%
31	$64	$130	$1,557	-9%
32	$73	$166	$1,988	28%
33	$66	$123	$1,481	-26%
34	$60	$126	$1,507	2%
35	$68	$128	$1,539	2%
36	$65	$119	$1,432	-7%
37	$63	$131	$1,573	10%
38	$61	$120	$1,440	-8%
39	$68	$147	$1,763	22%
40	$61	$136	$1,635	-7%
41	$66	$137	$1,649	1%
42	$65	$124	$1,488	-10%
43	$60	$125	$1,494	0%
44	$69	$123	$1,472	-1%
45	$68	$119	$1,433	-3%
46	$63	$121	$1,453	1%
47	$58	$116	$1,387	-5%
48	$66	$117	$1,406	1%
49	$59	$110	$1,317	-6%
50	$60	$115	$1,383	5%
51	$55	$98	$1,173	-15%
52	$69	$123	$1,470	25%
53	$62	$122	$1,458	-1%
54	$58	$104	$1,244	-15%
55	$56	$101	$1,217	-2%
56	$58	$109	$1,310	8%
57	$54	$103	$1,241	-5%
58	$61	$125	$1,497	21%
59	$52	$104	$1,245	-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	$51	$97	$1,169	4%
65	$60	$113	$1,358	16%
66	$55	$110	$1,316	-3%
67	$47	$82	$985	-25%
68	$44	$97	$1,161	18%
69	$42	$84	$1,003	-14%
70	$53	$96	$1,148	14%
71	$53	$89	$1,069	-7%
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. 11, 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 $174 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	$194	$371	$4,446	-4%
19	$160	$291	$3,493	-21%
20	$155	$306	$3,673	5%
21	$116	$243	$2,915	-21%
22	$114	$217	$2,609	-11%
23	$95	$211	$2,530	-3%
24	$110	$224	$2,687	6%
25	$97	$189	$2,267	-16%
26	$92	$178	$2,133	-6%
27	$97	$201	$2,412	13%
28	$88	$175	$2,101	-13%
29	$90	$181	$2,167	3%
30	$80	$174	$2,082	-4%
31	$74	$141	$1,691	-19%
32	$76	$146	$1,758	4%
33	$88	$170	$2,036	16%
34	$79	$159	$1,908	-6%
35	$76	$152	$1,823	-4%
36	$67	$133	$1,598	-12%
37	$81	$173	$2,073	30%
38	$86	$172	$2,067	-0%
39	$72	$157	$1,881	-9%
40	$74	$165	$1,976	5%
41	$80	$185	$2,224	13%
42	$67	$147	$1,766	-21%
43	$77	$145	$1,734	-2%
44	$71	$133	$1,596	-8%
45	$74	$182	$2,185	37%
46	$72	$138	$1,661	-24%
47	$68	$134	$1,606	-3%
48	$70	$152	$1,827	14%
49	$64	$137	$1,639	-10%
50	$78	$150	$1,800	10%
51	$63	$122	$1,459	-19%
52	$61	$119	$1,427	-2%
53	$62	$114	$1,365	-4%
54	$73	$140	$1,675	23%
55	$57	$122	$1,469	-12%
56	$58	$113	$1,358	-8%
57	$53	$102	$1,219	-10%
58	$70	$146	$1,752	44%
59	$62	$121	$1,453	-17%
60	$57	$116	$1,393	-4%
61	$55	$116	$1,386	-1%
62	$62	$117	$1,401	1%
63	$48	$103	$1,231	-12%
64	$55	$111	$1,329	8%
65	$57	$118	$1,412	6%
66	$44	$92	$1,104	-22%
67	$100	$235	$2,819	155%
68	$70	$143	$1,715	-39%
69	$53	$107	$1,285	-25%
70	$54	$106	$1,271	-1%
71	$51	$92	$1,099	-14%
72	$46	$90	$1,082	-2%
73	$72	$147	$1,767	63%
74	$69	$152	$1,821	3%
75	$60	$106	$1,275	-30%

Last Updated Aug. 11, 2026

Key takeaway: Nebraska 16-year-olds average $236/mo, below average for teens. By 30, rates drop to $174/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 $860 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	$475	$860	$10,317	–
17	$382	$694	$8,329	-19%
18	$404	$732	$8,780	5%
19	$468	$811	$9,735	11%
20	$352	$666	$7,990	-18%
21	$317	$586	$7,036	-12%
22	$302	$538	$6,453	-8%
23	$267	$498	$5,982	-7%
24	$241	$449	$5,383	-10%
25	$226	$421	$5,052	-6%
26	$209	$393	$4,718	-7%
27	$209	$393	$4,715	-0%
28	$206	$395	$4,743	1%
29	$209	$380	$4,559	-4%
30	$202	$380	$4,558	-0%
31	$195	$375	$4,502	-1%
32	$191	$358	$4,299	-4%
33	$189	$363	$4,361	1%
34	$196	$360	$4,323	-1%
35	$193	$354	$4,253	-2%
36	$186	$352	$4,229	-1%
37	$183	$347	$4,165	-2%
38	$186	$343	$4,119	-1%
39	$180	$339	$4,063	-1%
40	$181	$338	$4,051	-0%
41	$174	$345	$4,144	2%
42	$174	$336	$4,027	-3%
43	$171	$324	$3,891	-3%
44	$185	$340	$4,082	5%
45	$176	$333	$3,998	-2%
46	$165	$316	$3,792	-5%
47	$168	$335	$4,019	6%
48	$173	$337	$4,040	1%
49	$170	$324	$3,891	-4%
50	$172	$320	$3,840	-1%
51	$164	$309	$3,710	-3%
52	$167	$312	$3,750	1%
53	$164	$321	$3,852	3%
54	$162	$303	$3,639	-6%
55	$162	$304	$3,644	0%
56	$157	$298	$3,572	-2%
57	$157	$286	$3,437	-4%
58	$146	$275	$3,298	-4%
59	$138	$256	$3,074	-7%
60	$144	$267	$3,202	4%
61	$153	$276	$3,308	3%
62	$156	$283	$3,393	3%
63	$149	$282	$3,379	-0%
64	$140	$258	$3,097	-8%
65	$145	$267	$3,199	3%
66	$156	$280	$3,362	5%
67	$156	$282	$3,384	1%
68	$144	$274	$3,283	-3%
69	$157	$295	$3,541	8%
70	$155	$287	$3,444	-3%
71	$133	$250	$3,004	-13%
72	$154	$279	$3,352	12%
73	$151	$278	$3,331	-1%
74	$146	$279	$3,344	0%
75	$154	$293	$3,519	5%

Last Updated Aug. 11, 2026

Key takeaway: Nevada 16-year-olds average over $860/mo, among the highest nationally. Las Vegas keeps rates elevated at every age. Even at 65, Nevada drivers average $267/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 $126 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	$4,587	31%
18	$159	$254	$3,043	-34%
19	$191	$325	$3,900	28%
20	$140	$234	$2,807	-28%
21	$101	$166	$1,994	-29%
22	$105	$174	$2,088	5%
23	$77	$135	$1,620	-22%
24	$84	$152	$1,823	13%
25	$77	$126	$1,510	-17%
26	$72	$127	$1,520	1%
27	$63	$117	$1,404	-8%
28	$73	$133	$1,597	14%
29	$51	$92	$1,104	-31%
30	$52	$98	$1,174	6%
31	$70	$118	$1,415	21%
32	$61	$108	$1,296	-8%
33	$66	$123	$1,475	14%
34	$53	$97	$1,169	-21%
35	$67	$104	$1,247	7%
36	$50	$99	$1,188	-5%
37	$63	$104	$1,254	6%
38	$57	$93	$1,111	-11%
39	$56	$97	$1,160	4%
40	$60	$102	$1,225	6%
41	$53	$99	$1,183	-3%
42	$64	$134	$1,612	36%
43	$60	$112	$1,340	-17%
44	$63	$101	$1,218	-9%
45	$53	$91	$1,090	-11%
46	$51	$94	$1,129	4%
47	$52	$94	$1,125	-0%
48	$56	$92	$1,100	-2%
49	$64	$96	$1,147	4%
50	$48	$82	$980	-15%
51	$53	$86	$1,032	5%
52	$44	$71	$855	-17%
53	$50	$83	$996	16%
54	$49	$86	$1,036	4%
55	$56	$103	$1,233	19%
56	$43	$68	$821	-33%
57	$53	$100	$1,200	46%
58	$41	$72	$870	-28%
59	$41	$65	$785	-10%
60	$49	$94	$1,126	43%
61	$43	$76	$909	-19%
62	$40	$78	$931	2%
63	$43	$81	$976	5%
64	$55	$111	$1,332	37%
65	$40	$65	$783	-41%
66	$45	$81	$970	24%
67	$46	$85	$1,017	5%
68	$32	$59	$713	-30%
69	$38	$73	$873	22%
70	$37	$72	$862	-1%
71	$39	$67	$801	-7%
72	$49	$81	$977	22%
73	$38	$60	$716	-27%
74	$40	$75	$897	25%
75	$60	$92	$1,106	23%

Last Updated Aug. 11, 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 $126/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 $987 per month, driven by the state’s dense population, mandatory PIP coverage and elevated claims costs. Even by 65, New Jersey drivers average $221 per month.

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

17	$590	$987	$11,842	–
18	$541	$884	$10,610	-10%
19	$466	$752	$9,027	-15%
20	$366	$607	$7,281	-19%
21	$283	$481	$5,774	-21%
22	$266	$439	$5,266	-9%
23	$234	$391	$4,692	-11%
24	$220	$384	$4,609	-2%
25	$205	$350	$4,203	-9%
26	$205	$354	$4,244	1%
27	$196	$330	$3,956	-7%
28	$191	$331	$3,967	0%
29	$196	$332	$3,987	1%
30	$186	$310	$3,716	-7%
31	$185	$315	$3,776	2%
32	$184	$312	$3,742	-1%
33	$173	$295	$3,539	-5%
34	$189	$305	$3,658	3%
35	$177	$295	$3,544	-3%
36	$171	$293	$3,517	-1%
37	$172	$292	$3,502	-0%
38	$173	$286	$3,429	-2%
39	$184	$314	$3,764	10%
40	$179	$296	$3,547	-6%
41	$173	$291	$3,493	-2%
42	$174	$301	$3,608	3%
43	$170	$285	$3,422	-5%
44	$169	$283	$3,400	-1%
45	$167	$280	$3,356	-1%
46	$171	$285	$3,418	2%
47	$174	$295	$3,537	3%
48	$155	$268	$3,215	-9%
49	$177	$297	$3,560	11%
50	$170	$283	$3,395	-5%
51	$154	$266	$3,193	-6%
52	$158	$270	$3,244	2%
53	$141	$253	$3,040	-6%
54	$157	$262	$3,145	3%
55	$153	$254	$3,043	-3%
56	$140	$252	$3,019	-1%
57	$152	$263	$3,156	5%
58	$150	$248	$2,978	-6%
59	$141	$249	$2,984	0%
60	$143	$245	$2,936	-2%
61	$144	$241	$2,895	-1%
62	$140	$235	$2,823	-2%
63	$133	$221	$2,657	-6%
64	$128	$224	$2,687	1%
65	$138	$221	$2,647	-2%
66	$140	$222	$2,668	1%
67	$137	$221	$2,647	-1%
68	$142	$228	$2,734	3%
69	$144	$229	$2,744	0%
70	$139	$218	$2,618	-5%
71	$139	$220	$2,642	1%
72	$142	$228	$2,738	4%
73	$138	$214	$2,563	-6%
74	$145	$231	$2,772	8%
75	$135	$217	$2,604	-6%

Last Updated Aug. 11, 2026

Key takeaway: New Jersey 17-year-olds average $987 mo, near the top nationally. PIP requirements and dense population keep rates elevated throughout. By 65, the average is still $221/mo.

New Mexico

New Mexicorates are moderate and follow the national pattern closely. New Mexican 16-year-olds average $331 per month, and the biggest single-year drop comes at 21, when rates fall 13% to $220 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	$192	$331	$3,974	–
17	$200	$359	$4,304	8%
18	$134	$268	$3,221	-25%
19	$147	$327	$3,919	22%
20	$124	$254	$3,042	-22%
21	$117	$220	$2,638	-13%
22	$92	$166	$1,991	-25%
23	$97	$174	$2,093	5%
24	$83	$152	$1,822	-13%
25	$77	$138	$1,659	-9%
26	$79	$141	$1,688	2%
27	$80	$161	$1,928	14%
28	$66	$132	$1,584	-18%
29	$71	$149	$1,788	13%
30	$70	$136	$1,638	-8%
31	$71	$135	$1,623	-1%
32	$58	$115	$1,382	-15%
33	$72	$142	$1,706	23%
34	$65	$121	$1,453	-15%
35	$64	$118	$1,416	-3%
36	$69	$134	$1,610	14%
37	$71	$128	$1,540	-4%
38	$67	$123	$1,479	-4%
39	$65	$124	$1,491	1%
40	$66	$116	$1,391	-7%
41	$60	$125	$1,495	7%
42	$66	$122	$1,461	-2%
43	$63	$118	$1,416	-3%
44	$71	$122	$1,462	3%
45	$60	$118	$1,416	-3%
46	$61	$111	$1,327	-6%
47	$61	$115	$1,380	4%
48	$65	$120	$1,445	5%
49	$60	$112	$1,340	-7%
50	$59	$108	$1,294	-3%
51	$61	$123	$1,472	14%
52	$54	$99	$1,184	-20%
53	$60	$117	$1,408	19%
54	$53	$106	$1,269	-10%
55	$55	$105	$1,255	-1%
56	$56	$103	$1,240	-1%
57	$52	$106	$1,269	2%
58	$57	$103	$1,235	-3%
59	$54	$101	$1,211	-2%
60	$57	$112	$1,342	11%
61	$53	$96	$1,152	-14%
62	$54	$97	$1,167	1%
63	$66	$122	$1,463	25%
64	$57	$96	$1,148	-22%
65	$54	$93	$1,122	-2%
66	$58	$96	$1,158	3%
67	$50	$89	$1,072	-7%
68	$59	$104	$1,251	17%
69	$46	$88	$1,054	-16%
70	$45	$84	$1,012	-4%
71	$52	$98	$1,177	16%
72	$57	$107	$1,285	9%
73	$48	$104	$1,243	-3%
74	$50	$90	$1,081	-13%
75	$64	$132	$1,582	46%

Last Updated Aug. 11, 2026

Key takeaway: New Mexico rates are near the national average. The steepest drop is at 21 (13%). 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 $810 per month. By 30, it drops to $705 per month. The declines continue through the 50s and 60s, but New York never gets cheap. By 65, the average is $430 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	$454	$1,186	$14,232	0%
18	$437	$1,052	$12,623	-11%
19	$443	$1,072	$12,864	2%
20	$401	$952	$11,423	-11%
21	$407	$960	$11,524	1%
22	$355	$891	$10,697	-7%
23	$344	$882	$10,587	-1%
24	$326	$830	$9,960	-6%
25	$315	$810	$9,726	-2%
26	$314	$788	$9,459	-3%
27	$280	$730	$8,764	-7%
28	$247	$713	$8,561	-2%
29	$276	$736	$8,832	3%
30	$244	$705	$8,460	-4%
31	$248	$704	$8,453	-0%
32	$259	$720	$8,646	2%
33	$226	$644	$7,724	-11%
34	$226	$679	$8,148	5%
35	$243	$667	$8,001	-2%
36	$224	$654	$7,851	-2%
37	$201	$637	$7,639	-3%
38	$206	$608	$7,295	-4%
39	$210	$610	$7,314	0%
40	$219	$619	$7,427	2%
41	$206	$617	$7,409	-0%
42	$203	$624	$7,486	1%
43	$206	$585	$7,017	-6%
44	$195	$608	$7,299	4%
45	$179	$563	$6,750	-8%
46	$183	$584	$7,008	4%
47	$192	$573	$6,881	-2%
48	$188	$594	$7,134	4%
49	$185	$553	$6,639	-7%
50	$190	$564	$6,763	2%
51	$178	$546	$6,548	-3%
52	$175	$529	$6,344	-3%
53	$156	$523	$6,281	-1%
54	$176	$529	$6,344	1%
55	$168	$514	$6,163	-3%
56	$153	$496	$5,949	-3%
57	$146	$469	$5,624	-5%
58	$163	$536	$6,437	14%
59	$141	$459	$5,512	-14%
60	$155	$473	$5,677	3%
61	$148	$450	$5,403	-5%
62	$149	$469	$5,629	4%
63	$134	$452	$5,419	-4%
64	$134	$440	$5,284	-2%
65	$131	$430	$5,160	-2%
66	$134	$414	$4,970	-4%
67	$136	$413	$4,955	-0%
68	$137	$427	$5,125	3%
69	$125	$392	$4,699	-8%
70	$124	$394	$4,723	1%
71	$128	$376	$4,515	-4%
72	$121	$367	$4,405	-2%
73	$154	$423	$5,075	15%
74	$162	$448	$5,380	6%
75	$151	$432	$5,190	-4%

Last Updated Aug. 11, 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 $360 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	$204	$360	$4,325	–
17	$216	$337	$4,039	-7%
18	$158	$284	$3,404	-16%
19	$148	$269	$3,231	-5%
20	$111	$235	$2,815	-13%
21	$99	$208	$2,501	-11%
22	$96	$208	$2,499	-0%
23	$82	$176	$2,115	-15%
24	$92	$195	$2,336	10%
25	$88	$186	$2,236	-4%
26	$85	$177	$2,121	-5%
27	$87	$180	$2,162	2%
28	$85	$165	$1,980	-8%
29	$86	$182	$2,185	10%
30	$80	$157	$1,880	-14%
31	$82	$168	$2,020	7%
32	$74	$151	$1,811	-10%
33	$78	$155	$1,864	3%
34	$77	$161	$1,928	3%
35	$77	$160	$1,920	-0%
36	$79	$161	$1,936	1%
37	$77	$152	$1,821	-6%
38	$74	$148	$1,770	-3%
39	$74	$147	$1,765	-0%
40	$72	$155	$1,864	6%
41	$70	$145	$1,736	-7%
42	$71	$136	$1,629	-6%
43	$69	$129	$1,551	-5%
44	$67	$121	$1,455	-6%
45	$67	$121	$1,456	0%
46	$72	$143	$1,711	18%
47	$67	$126	$1,511	-12%
48	$70	$131	$1,573	4%
49	$70	$122	$1,470	-7%
50	$69	$124	$1,483	1%
51	$66	$124	$1,486	0%
52	$65	$122	$1,468	-1%
53	$69	$130	$1,560	6%
54	$65	$121	$1,453	-7%
55	$65	$112	$1,340	-8%
56	$62	$109	$1,310	-2%
57	$63	$108	$1,300	-1%
58	$63	$116	$1,390	7%
59	$60	$101	$1,216	-13%
60	$64	$107	$1,288	6%
61	$60	$105	$1,261	-2%
62	$62	$108	$1,299	3%
63	$63	$110	$1,320	2%
64	$61	$105	$1,261	-5%
65	$59	$97	$1,168	-7%
66	$59	$98	$1,170	0%
67	$58	$96	$1,152	-2%
68	$58	$94	$1,128	-2%
69	$56	$90	$1,083	-4%
70	$60	$97	$1,165	8%
71	$60	$99	$1,189	2%
72	$53	$89	$1,071	-10%
73	$57	$94	$1,127	5%
74	$58	$91	$1,091	-3%
75	$55	$88	$1,051	-4%

Last Updated Aug. 11, 2026

Key takeaway: North Carolina’s regulated market keeps rates more predictable and below average. Here, rates for 16-year-olds average $360/mo. Rates decline to $88/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 $142 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	$96	$142	$1,702	–
17	$175	$198	$2,378	40%
18	$130	$246	$2,952	24%
19	$128	$221	$2,648	-10%
20	$108	$197	$2,369	-11%
21	$99	$187	$2,240	-5%
22	$85	$139	$1,674	-25%
23	$72	$154	$1,844	10%
24	$93	$144	$1,733	-6%
25	$73	$139	$1,666	-4%
26	$78	$125	$1,503	-10%
27	$67	$128	$1,531	2%
28	$68	$107	$1,287	-16%
29	$71	$113	$1,355	5%
30	$74	$133	$1,596	18%
31	$74	$123	$1,471	-8%
32	$64	$114	$1,369	-7%
33	$62	$101	$1,216	-11%
34	$79	$126	$1,511	24%
35	$78	$117	$1,399	-7%
36	$78	$121	$1,457	4%
37	$73	$125	$1,502	3%
38	$65	$105	$1,266	-16%
39	$77	$138	$1,656	31%
40	$59	$114	$1,365	-18%
41	$72	$103	$1,233	-10%
42	$64	$116	$1,398	13%
43	$67	$121	$1,454	4%
44	$72	$113	$1,351	-7%
45	$59	$104	$1,249	-8%
46	$73	$101	$1,209	-3%
47	$68	$113	$1,352	12%
48	$68	$106	$1,272	-6%
49	$77	$110	$1,318	4%
50	$70	$111	$1,329	1%
51	$64	$107	$1,285	-3%
52	$58	$88	$1,061	-17%
53	$41	$69	$831	-22%
54	$50	$86	$1,036	25%
55	$61	$116	$1,387	34%
56	$52	$85	$1,023	-26%
57	$77	$108	$1,296	27%
58	$47	$86	$1,037	-20%
59	$57	$89	$1,065	3%
60	$70	$109	$1,313	23%
61	$49	$79	$949	-28%
62	$56	$95	$1,137	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. 11, 2026

Key takeaway: North Dakota is among the cheapest states at every age; 16-year-olds average $142/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 $321 per month, below the national teen average, and rates fall steadily to $109 per month by 65. Columbus and Cleveland drivers typically pay above the statewide average.

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

16	$180	$321	$3,857	–
17	$173	$319	$3,824	-1%
18	$157	$300	$3,604	-6%
19	$144	$289	$3,468	-4%
20	$130	$263	$3,150	-9%
21	$112	$225	$2,705	-14%
22	$107	$212	$2,542	-6%
23	$97	$188	$2,255	-11%
24	$96	$180	$2,160	-4%
25	$91	$179	$2,150	-0%
26	$90	$175	$2,096	-3%
27	$87	$175	$2,098	0%
28	$80	$155	$1,858	-11%
29	$79	$153	$1,832	-1%
30	$77	$157	$1,878	3%
31	$79	$158	$1,894	1%
32	$74	$147	$1,760	-7%
33	$74	$145	$1,735	-1%
34	$74	$146	$1,752	1%
35	$76	$154	$1,854	6%
36	$73	$144	$1,724	-7%
37	$73	$146	$1,750	2%
38	$73	$144	$1,731	-1%
39	$73	$145	$1,742	1%
40	$70	$132	$1,581	-9%
41	$69	$140	$1,681	6%
42	$71	$143	$1,711	2%
43	$69	$133	$1,591	-7%
44	$66	$126	$1,512	-5%
45	$69	$138	$1,651	9%
46	$68	$141	$1,693	3%
47	$65	$130	$1,559	-8%
48	$60	$120	$1,444	-7%
49	$64	$128	$1,535	6%
50	$64	$129	$1,547	1%
51	$65	$124	$1,483	-4%
52	$62	$120	$1,446	-3%
53	$65	$123	$1,482	2%
54	$62	$119	$1,433	-3%
55	$65	$132	$1,581	10%
56	$64	$121	$1,451	-8%
57	$57	$120	$1,440	-1%
58	$61	$119	$1,422	-1%
59	$60	$118	$1,421	-0%
60	$58	$116	$1,392	-2%
61	$60	$119	$1,423	2%
62	$58	$115	$1,382	-3%
63	$54	$114	$1,367	-1%
64	$69	$133	$1,598	17%
65	$54	$109	$1,304	-18%
66	$56	$109	$1,308	0%
67	$55	$109	$1,309	0%
68	$56	$120	$1,436	10%
69	$57	$114	$1,374	-4%
70	$60	$115	$1,382	1%
71	$58	$115	$1,376	-0%
72	$60	$116	$1,387	1%
73	$64	$130	$1,558	12%
74	$57	$112	$1,349	-13%
75	$64	$131	$1,574	17%

Last Updated Aug. 11, 2026

Key takeaway: Ohio rates are below average for most age groups; its 16-year-olds average $321/mo and rates decline to $109/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 6% to $354 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	$168	$285	$3,415	-21%
18	$173	$334	$4,005	17%
19	$166	$354	$4,243	6%
20	$149	$305	$3,657	-14%
21	$132	$265	$3,183	-13%
22	$123	$250	$3,001	-6%
23	$111	$235	$2,817	-6%
24	$106	$213	$2,555	-9%
25	$98	$197	$2,367	-7%
26	$95	$193	$2,310	-2%
27	$95	$196	$2,352	2%
28	$87	$177	$2,123	-10%
29	$84	$172	$2,059	-3%
30	$88	$176	$2,109	2%
31	$79	$164	$1,965	-7%
32	$83	$176	$2,111	7%
33	$78	$163	$1,951	-8%
34	$85	$181	$2,172	11%
35	$86	$192	$2,299	6%
36	$86	$183	$2,200	-4%
37	$80	$163	$1,957	-11%
38	$80	$171	$2,048	5%
39	$80	$165	$1,976	-4%
40	$79	$168	$2,014	2%
41	$80	$167	$1,999	-1%
42	$82	$169	$2,027	1%
43	$78	$166	$1,995	-2%
44	$79	$167	$2,001	0%
45	$74	$162	$1,940	-3%
46	$85	$176	$2,111	9%
47	$77	$166	$1,988	-6%
48	$76	$173	$2,075	4%
49	$75	$152	$1,825	-12%
50	$77	$159	$1,913	5%
51	$75	$157	$1,889	-1%
52	$72	$150	$1,795	-5%
53	$70	$146	$1,753	-2%
54	$70	$149	$1,793	2%
55	$66	$130	$1,557	-13%
56	$69	$139	$1,674	7%
57	$64	$128	$1,538	-8%
58	$68	$132	$1,578	3%
59	$61	$117	$1,404	-11%
60	$68	$141	$1,692	21%
61	$66	$133	$1,602	-5%
62	$67	$137	$1,643	3%
63	$64	$127	$1,518	-8%
64	$67	$132	$1,589	5%
65	$64	$127	$1,524	-4%
66	$66	$129	$1,544	1%
67	$63	$129	$1,542	-0%
68	$65	$134	$1,604	4%
69	$62	$119	$1,427	-11%
70	$64	$120	$1,436	1%
71	$63	$122	$1,465	2%
72	$68	$124	$1,490	2%
73	$66	$131	$1,574	6%
74	$64	$122	$1,466	-7%
75	$66	$115	$1,376	-6%

Last Updated Aug. 11, 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 $460 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	$265	$460	$5,518	–
17	$224	$369	$4,423	-20%
18	$212	$380	$4,566	3%
19	$200	$405	$4,862	6%
20	$170	$297	$3,565	-27%
21	$161	$290	$3,480	-2%
22	$141	$265	$3,185	-8%
23	$140	$242	$2,906	-9%
24	$138	$242	$2,898	-0%
25	$112	$195	$2,337	-19%
26	$121	$209	$2,506	7%
27	$117	$201	$2,407	-4%
28	$120	$191	$2,296	-5%
29	$112	$194	$2,322	1%
30	$111	$193	$2,317	-0%
31	$102	$173	$2,077	-10%
32	$108	$180	$2,158	4%
33	$101	$175	$2,095	-3%
34	$102	$166	$1,987	-5%
35	$99	$161	$1,935	-3%
36	$101	$170	$2,041	5%
37	$96	$166	$1,993	-2%
38	$100	$171	$2,049	3%
39	$102	$174	$2,092	2%
40	$93	$163	$1,956	-7%
41	$98	$159	$1,911	-2%
42	$104	$166	$1,998	5%
43	$101	$178	$2,133	7%
44	$95	$157	$1,890	-11%
45	$100	$175	$2,097	11%
46	$90	$154	$1,846	-12%
47	$90	$147	$1,769	-4%
48	$96	$153	$1,842	4%
49	$86	$148	$1,780	-3%
50	$89	$149	$1,790	1%
51	$91	$157	$1,883	5%
52	$88	$148	$1,779	-6%
53	$99	$160	$1,915	8%
54	$81	$131	$1,570	-18%
55	$84	$156	$1,872	19%
56	$80	$140	$1,685	-10%
57	$82	$136	$1,627	-3%
58	$85	$154	$1,851	14%
59	$80	$136	$1,628	-12%
60	$92	$143	$1,710	5%
61	$80	$137	$1,649	-4%
62	$78	$134	$1,612	-2%
63	$79	$133	$1,599	-1%
64	$74	$121	$1,455	-9%
65	$76	$130	$1,560	7%
66	$79	$127	$1,524	-2%
67	$76	$130	$1,559	2%
68	$77	$129	$1,552	-0%
69	$74	$124	$1,484	-4%
70	$79	$138	$1,656	12%
71	$72	$128	$1,532	-7%
72	$74	$120	$1,441	-6%
73	$75	$130	$1,564	9%
74	$77	$127	$1,518	-3%
75	$71	$130	$1,560	3%

Last Updated Aug. 11, 2026

Key takeaway: Oregon rates are moderate and track near the national average; its 16-year-olds average $460/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 $460, a 14% increase from age 17. Pennsylvania is a choice no-fault state where drivers can choose between full tort and limited tort, which affects both your coverage and your rate.

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

16	$173	$372	$4,458	–
17	$178	$404	$4,843	9%
18	$175	$460	$5,518	14%
19	$162	$425	$5,106	-7%
20	$157	$409	$4,907	-4%
21	$146	$362	$4,339	-12%
22	$129	$307	$3,683	-15%
23	$126	$288	$3,459	-6%
24	$124	$292	$3,501	1%
25	$118	$266	$3,187	-9%
26	$109	$258	$3,095	-3%
27	$111	$252	$3,021	-2%
28	$105	$247	$2,959	-2%
29	$111	$264	$3,171	7%
30	$103	$244	$2,930	-8%
31	$106	$237	$2,849	-3%
32	$108	$259	$3,107	9%
33	$110	$243	$2,912	-6%
34	$105	$236	$2,831	-3%
35	$102	$227	$2,723	-4%
36	$98	$233	$2,795	3%
37	$96	$236	$2,837	2%
38	$95	$209	$2,503	-12%
39	$99	$212	$2,541	2%
40	$108	$231	$2,770	9%
41	$95	$216	$2,588	-7%
42	$94	$209	$2,505	-3%
43	$95	$218	$2,621	5%
44	$96	$221	$2,647	1%
45	$84	$188	$2,251	-15%
46	$94	$196	$2,358	5%
47	$87	$196	$2,349	-0%
48	$91	$195	$2,335	-1%
49	$86	$177	$2,124	-9%
50	$80	$188	$2,251	6%
51	$81	$166	$1,995	-11%
52	$85	$185	$2,225	12%
53	$82	$168	$2,022	-9%
54	$83	$184	$2,203	9%
55	$76	$169	$2,031	-8%
56	$77	$159	$1,913	-6%
57	$80	$165	$1,982	4%
58	$81	$185	$2,218	12%
59	$72	$166	$1,986	-10%
60	$68	$149	$1,791	-10%
61	$67	$148	$1,775	-1%
62	$70	$157	$1,884	6%
63	$76	$165	$1,981	5%
64	$75	$163	$1,951	-1%
65	$65	$149	$1,791	-8%
66	$68	$144	$1,724	-4%
67	$67	$153	$1,839	7%
68	$65	$136	$1,637	-11%
69	$66	$147	$1,760	8%
70	$69	$158	$1,900	8%
71	$73	$164	$1,971	4%
72	$72	$161	$1,930	-2%
73	$61	$132	$1,585	-18%
74	$68	$157	$1,884	19%
75	$70	$155	$1,862	-1%

Last Updated Aug. 11, 2026

Key takeaway: Pennsylvania rates spike at 18 (increasing 23%) before falling. Tort choice affects your premium statewide. By 65, rates average $149/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	$527	$832	$9,988	26%
19	$390	$647	$7,768	-22%
20	$272	$457	$5,479	-29%
21	$236	$406	$4,871	-11%
22	$199	$333	$4,002	-18%
23	$182	$338	$4,058	1%
24	$184	$312	$3,741	-8%
25	$156	$248	$2,981	-20%
26	$161	$273	$3,275	10%
27	$133	$246	$2,947	-10%
28	$149	$303	$3,631	23%
29	$156	$294	$3,533	-3%
30	$137	$240	$2,882	-18%
31	$127	$213	$2,552	-11%
32	$131	$238	$2,860	12%
33	$135	$246	$2,957	3%
34	$113	$197	$2,368	-20%
35	$139	$235	$2,825	19%
36	$125	$204	$2,450	-13%
37	$120	$214	$2,567	5%
38	$138	$265	$3,179	24%
39	$131	$213	$2,551	-20%
40	$150	$241	$2,888	13%
41	$103	$192	$2,299	-20%
42	$113	$199	$2,385	4%
43	$139	$246	$2,950	24%
44	$95	$184	$2,214	-25%
45	$129	$214	$2,571	16%
46	$117	$199	$2,385	-7%
47	$131	$215	$2,584	8%
48	$114	$185	$2,223	-14%
49	$116	$211	$2,536	14%
50	$134	$226	$2,715	7%
51	$106	$194	$2,330	-14%
52	$107	$173	$2,079	-11%
53	$107	$176	$2,117	2%
54	$95	$172	$2,069	-2%
55	$104	$162	$1,949	-6%
56	$98	$174	$2,092	7%
57	$97	$181	$2,171	4%
58	$107	$202	$2,425	12%
59	$92	$145	$1,744	-28%
60	$102	$177	$2,119	21%
61	$89	$160	$1,919	-9%
62	$90	$150	$1,803	-6%
63	$87	$151	$1,818	1%
64	$88	$151	$1,817	-0%
65	$95	$162	$1,939	7%
66	$102	$159	$1,908	-2%
67	$87	$158	$1,897	-1%
68	$111	$172	$2,068	9%
69	$105	$171	$2,052	-1%
70	$83	$169	$2,022	-1%
71	$90	$146	$1,757	-13%
72	$90	$141	$1,695	-4%
73	$77	$132	$1,585	-6%
74	$106	$169	$2,031	28%
75	$84	$152	$1,825	-10%

Last Updated Aug. 11, 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 $194 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	$431	$651	$7,818	32%
18	$344	$545	$6,534	-16%
19	$311	$529	$6,349	-3%
20	$264	$470	$5,643	-11%
21	$226	$420	$5,045	-11%
22	$210	$366	$4,392	-13%
23	$188	$329	$3,954	-10%
24	$181	$330	$3,962	0%
25	$165	$304	$3,648	-8%
26	$159	$291	$3,491	-4%
27	$160	$286	$3,430	-2%
28	$153	$273	$3,281	-4%
29	$151	$269	$3,234	-1%
30	$146	$258	$3,092	-4%
31	$145	$258	$3,097	0%
32	$142	$251	$3,013	-3%
33	$144	$249	$2,982	-1%
34	$141	$251	$3,013	1%
35	$141	$242	$2,899	-4%
36	$140	$240	$2,875	-1%
37	$134	$240	$2,885	0%
38	$134	$236	$2,838	-2%
39	$136	$241	$2,891	2%
40	$136	$245	$2,938	2%
41	$130	$225	$2,701	-8%
42	$132	$229	$2,748	2%
43	$132	$233	$2,797	2%
44	$130	$226	$2,715	-3%
45	$135	$227	$2,725	0%
46	$130	$220	$2,637	-3%
47	$120	$206	$2,474	-6%
48	$134	$233	$2,794	13%
49	$120	$208	$2,500	-11%
50	$121	$212	$2,541	2%
51	$121	$216	$2,589	2%
52	$125	$221	$2,656	3%
53	$112	$196	$2,357	-11%
54	$116	$201	$2,417	3%
55	$117	$202	$2,423	0%
56	$114	$199	$2,387	-2%
57	$113	$195	$2,341	-2%
58	$113	$193	$2,318	-1%
59	$109	$185	$2,217	-4%
60	$107	$185	$2,221	0%
61	$109	$193	$2,322	5%
62	$109	$186	$2,237	-4%
63	$107	$186	$2,233	-0%
64	$109	$187	$2,244	0%
65	$112	$194	$2,327	4%
66	$107	$197	$2,360	1%
67	$102	$186	$2,237	-5%
68	$105	$183	$2,196	-2%
69	$106	$194	$2,331	6%
70	$104	$185	$2,219	-5%
71	$95	$172	$2,059	-7%
72	$100	$180	$2,157	5%
73	$115	$195	$2,335	8%
74	$100	$173	$2,079	-11%
75	$116	$197	$2,363	14%

Last Updated Aug. 11, 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 $545 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	$159	$244	$2,928	20%
19	$128	$271	$3,255	11%
20	$81	$157	$1,880	-42%
21	$94	$193	$2,317	23%
22	$74	$195	$2,340	1%
23	$87	$199	$2,389	2%
24	$70	$143	$1,718	-28%
25	$64	$152	$1,820	6%
26	$71	$146	$1,751	-4%
27	$62	$175	$2,095	20%
28	$60	$128	$1,541	-26%
29	$47	$102	$1,230	-20%
30	$56	$114	$1,372	12%
31	$65	$145	$1,737	27%
32	$62	$138	$1,657	-5%
33	$61	$121	$1,449	-13%
34	$65	$122	$1,462	1%
35	$59	$123	$1,481	1%
36	$48	$102	$1,218	-18%
37	$52	$111	$1,327	9%
38	$65	$133	$1,601	21%
39	$55	$108	$1,301	-19%
40	$67	$134	$1,603	23%
41	$64	$136	$1,636	2%
42	$54	$112	$1,339	-18%
43	$54	$125	$1,506	12%
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	$48	$110	$1,316	-19%
49	$56	$134	$1,609	22%
50	$58	$122	$1,467	-9%
51	$52	$112	$1,348	-8%
52	$50	$113	$1,352	0%
53	$50	$146	$1,750	29%
54	$50	$95	$1,139	-35%
55	$51	$108	$1,294	14%
56	$42	$90	$1,081	-16%
57	$42	$147	$1,759	63%
58	$51	$97	$1,164	-34%
59	$39	$93	$1,114	-4%
60	$43	$80	$959	-14%
61	$42	$93	$1,117	17%
62	$49	$102	$1,221	9%
63	$40	$84	$1,011	-17%
64	$46	$92	$1,103	9%
65	$47	$83	$995	-10%
66	$53	$112	$1,346	35%
67	$38	$84	$1,006	-25%
68	$36	$55	$661	-34%
69	$56	$116	$1,389	110%
70	$39	$98	$1,174	-15%
71	$34	$82	$987	-16%
72	$49	$109	$1,308	33%
73	$37	$82	$984	-25%
74	$46	$86	$1,037	5%
75	$48	$112	$1,344	30%

Last Updated Aug. 11, 2026

Key takeaway: South Dakota is among the most affordable states at every age. The data starts at 18 ($244/mo). Rates fall consistently, reaching $84/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 $354 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	$354	$4,251	–
17	$171	$320	$3,839	-10%
18	$164	$336	$4,036	5%
19	$147	$297	$3,569	-12%
20	$126	$258	$3,097	-13%
21	$117	$229	$2,744	-11%
22	$113	$240	$2,881	5%
23	$104	$213	$2,553	-11%
24	$97	$203	$2,440	-4%
25	$98	$201	$2,409	-1%
26	$96	$197	$2,363	-2%
27	$90	$186	$2,231	-6%
28	$85	$178	$2,136	-4%
29	$81	$165	$1,978	-7%
30	$82	$168	$2,012	2%
31	$84	$163	$1,951	-3%
32	$82	$160	$1,920	-2%
33	$77	$155	$1,865	-3%
34	$78	$154	$1,850	-1%
35	$75	$153	$1,840	-1%
36	$75	$148	$1,772	-4%
37	$81	$165	$1,977	12%
38	$76	$150	$1,795	-9%
39	$69	$138	$1,657	-8%
40	$72	$146	$1,749	5%
41	$70	$143	$1,721	-2%
42	$70	$141	$1,694	-2%
43	$71	$143	$1,720	2%
44	$72	$144	$1,730	1%
45	$65	$142	$1,702	-2%
46	$66	$129	$1,544	-9%
47	$68	$136	$1,626	5%
48	$66	$132	$1,583	-3%
49	$62	$125	$1,501	-5%
50	$64	$130	$1,555	4%
51	$66	$128	$1,539	-1%
52	$66	$140	$1,683	9%
53	$66	$133	$1,600	-5%
54	$63	$128	$1,534	-4%
55	$62	$125	$1,495	-3%
56	$64	$131	$1,567	5%
57	$63	$123	$1,479	-6%
58	$58	$111	$1,334	-10%
59	$61	$125	$1,499	12%
60	$63	$130	$1,557	4%
61	$60	$118	$1,420	-9%
62	$60	$122	$1,461	3%
63	$61	$120	$1,445	-1%
64	$55	$108	$1,297	-10%
65	$60	$118	$1,412	9%
66	$57	$111	$1,333	-6%
67	$61	$120	$1,435	8%
68	$56	$121	$1,452	1%
69	$61	$122	$1,462	1%
70	$61	$121	$1,456	-0%
71	$64	$127	$1,521	4%
72	$59	$122	$1,468	-4%
73	$65	$131	$1,578	8%
74	$62	$113	$1,353	-14%
75	$65	$124	$1,484	10%

Last Updated Aug. 11, 2026

Key takeaway: Tennessee rates are slightly below average statewide. The state’s 16-year-olds average $354/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 $497 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 $451 per month at 20 down to $284 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 $176 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	$270	$497	$5,970	–
17	$302	$578	$6,933	16%
18	$296	$559	$6,708	-3%
19	$257	$511	$6,131	-9%
20	$229	$451	$5,417	-12%
21	$196	$389	$4,666	-14%
22	$181	$351	$4,211	-10%
23	$171	$325	$3,895	-8%
24	$162	$304	$3,650	-6%
25	$151	$284	$3,408	-7%
26	$148	$278	$3,332	-2%
27	$146	$272	$3,260	-2%
28	$141	$260	$3,121	-4%
29	$135	$251	$3,011	-4%
30	$130	$242	$2,908	-3%
31	$126	$237	$2,842	-2%
32	$128	$238	$2,854	0%
33	$125	$231	$2,776	-3%
34	$123	$228	$2,741	-1%
35	$124	$229	$2,746	0%
36	$123	$225	$2,696	-2%
37	$121	$226	$2,709	1%
38	$119	$222	$2,660	-2%
39	$118	$220	$2,645	-1%
40	$119	$219	$2,630	-1%
41	$113	$213	$2,556	-3%
42	$117	$219	$2,622	3%
43	$114	$210	$2,519	-4%
44	$114	$214	$2,574	2%
45	$115	$213	$2,555	-1%
46	$111	$208	$2,492	-2%
47	$110	$206	$2,471	-1%
48	$109	$205	$2,464	-0%
49	$110	$207	$2,480	1%
50	$109	$205	$2,465	-1%
51	$108	$196	$2,357	-4%
52	$106	$198	$2,372	1%
53	$106	$197	$2,363	-0%
54	$108	$195	$2,338	-1%
55	$107	$195	$2,335	-0%
56	$105	$189	$2,269	-3%
57	$102	$185	$2,218	-2%
58	$101	$184	$2,203	-1%
59	$102	$181	$2,171	-1%
60	$102	$180	$2,161	-0%
61	$100	$180	$2,154	-0%
62	$103	$184	$2,208	2%
63	$100	$177	$2,128	-4%
64	$99	$176	$2,116	-1%
65	$99	$176	$2,118	0%
66	$100	$177	$2,120	0%
67	$100	$177	$2,120	-0%
68	$102	$185	$2,219	5%
69	$103	$186	$2,233	1%
70	$104	$185	$2,220	-1%
71	$107	$185	$2,220	0%
72	$106	$187	$2,249	1%
73	$107	$192	$2,308	3%
74	$111	$193	$2,317	0%
75	$110	$190	$2,280	-2%

Last Updated Aug. 11, 2026

Key takeaway: Texas 16-year-olds average $497/mo, about 26% above the national average. By 65, the average is $176/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 $279 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	$231	$395	$4,738	-9%
19	$187	$313	$3,758	-21%
20	$171	$279	$3,344	-11%
21	$147	$240	$2,882	-14%
22	$130	$203	$2,433	-16%
23	$121	$190	$2,275	-7%
24	$113	$179	$2,144	-6%
25	$109	$179	$2,154	0%
26	$109	$174	$2,092	-3%
27	$104	$160	$1,920	-8%
28	$109	$177	$2,124	11%
29	$102	$160	$1,919	-10%
30	$100	$160	$1,925	0%
31	$104	$165	$1,978	3%
32	$98	$150	$1,798	-9%
33	$96	$148	$1,778	-1%
34	$99	$147	$1,759	-1%
35	$94	$149	$1,789	2%
36	$96	$152	$1,824	2%
37	$89	$138	$1,658	-9%
38	$95	$148	$1,779	7%
39	$90	$145	$1,742	-2%
40	$95	$155	$1,861	7%
41	$94	$144	$1,731	-7%
42	$95	$149	$1,788	3%
43	$92	$145	$1,739	-3%
44	$91	$145	$1,737	-0%
45	$90	$148	$1,774	2%
46	$89	$141	$1,688	-5%
47	$84	$134	$1,608	-5%
48	$90	$142	$1,704	6%
49	$90	$144	$1,726	1%
50	$86	$142	$1,709	-1%
51	$84	$133	$1,596	-7%
52	$87	$132	$1,587	-1%
53	$80	$128	$1,532	-3%
54	$85	$128	$1,541	1%
55	$82	$127	$1,520	-1%
56	$79	$134	$1,604	5%
57	$90	$149	$1,782	11%
58	$83	$135	$1,617	-9%
59	$89	$138	$1,658	3%
60	$73	$118	$1,415	-15%
61	$84	$132	$1,582	12%
62	$93	$143	$1,711	8%
63	$84	$129	$1,550	-9%
64	$78	$120	$1,438	-7%
65	$76	$119	$1,431	-1%
66	$93	$146	$1,746	22%
67	$77	$118	$1,414	-19%
68	$76	$117	$1,403	-1%
69	$71	$115	$1,378	-2%
70	$85	$140	$1,685	22%
71	$72	$123	$1,478	-12%
72	$79	$124	$1,490	1%
73	$72	$114	$1,370	-8%
74	$80	$124	$1,486	8%
75	$84	$132	$1,581	6%

Last Updated Aug. 11, 2026

Key takeaway: Utah’s PIP requirement adds cost at every age. Utah-based 16-year-olds average $404/mo and rates drop to $160/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	$157	$292	$3,502	-12%
19	$120	$296	$3,554	1%
20	$99	$175	$2,094	-41%
21	$59	$126	$1,512	-28%
22	$88	$140	$1,677	11%
23	$64	$117	$1,406	-16%
24	$62	$111	$1,334	-5%
25	$87	$135	$1,621	21%
26	$63	$119	$1,433	-12%
27	$64	$104	$1,252	-13%
28	$66	$105	$1,260	1%
29	$51	$120	$1,440	14%
30	$50	$94	$1,132	-21%
31	$46	$81	$972	-14%
32	$62	$106	$1,275	31%
33	$55	$101	$1,210	-5%
34	$46	$82	$983	-19%
35	$55	$88	$1,051	7%
36	$53	$99	$1,193	14%
37	$55	$95	$1,139	-5%
38	$46	$85	$1,019	-11%
39	$81	$134	$1,608	58%
40	$68	$125	$1,494	-7%
41	$58	$126	$1,510	1%
42	$70	$118	$1,417	-6%
43	$36	$93	$1,117	-21%
44	$45	$75	$895	-20%
45	$51	$114	$1,364	52%
46	$66	$105	$1,262	-7%
47	$73	$105	$1,261	-0%
48	$46	$86	$1,026	-19%
49	$54	$99	$1,182	15%
50	$50	$92	$1,107	-6%
51	$43	$92	$1,102	-0%
52	$44	$80	$963	-13%
53	$32	$62	$749	-22%
54	$32	$63	$759	1%
55	$73	$97	$1,167	54%
56	$40	$68	$822	-30%
57	$50	$72	$868	6%
58	$35	$86	$1,035	19%
59	$52	$73	$872	-16%
60	$45	$75	$897	3%
61	$32	$66	$795	-11%
62	$31	$55	$659	-17%
63	$39	$76	$913	39%
64	$36	$61	$727	-20%
65	$38	$84	$1,008	39%
66	$35	$66	$788	-22%
67	$54	$81	$971	23%
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. 9, 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 $173 per month. One pattern worth noting: unlike most states, rates tick back upward after 65, reaching $200 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	$298	$481	$5,778	11%
18	$276	$473	$5,677	-2%
19	$269	$483	$5,800	2%
20	$251	$432	$5,183	-11%
21	$216	$375	$4,496	-13%
22	$202	$352	$4,218	-6%
23	$174	$306	$3,674	-13%
24	$172	$304	$3,653	-1%
25	$161	$280	$3,355	-8%
26	$148	$265	$3,183	-5%
27	$143	$257	$3,084	-3%
28	$143	$253	$3,040	-1%
29	$135	$240	$2,882	-5%
30	$130	$234	$2,805	-3%
31	$129	$223	$2,672	-5%
32	$132	$233	$2,799	5%
33	$124	$219	$2,625	-6%
34	$125	$218	$2,618	-0%
35	$126	$223	$2,671	2%
36	$118	$207	$2,479	-7%
37	$120	$208	$2,496	1%
38	$117	$203	$2,440	-2%
39	$124	$211	$2,534	4%
40	$123	$215	$2,582	2%
41	$120	$209	$2,508	-3%
42	$112	$198	$2,381	-5%
43	$117	$205	$2,457	3%
44	$118	$216	$2,589	5%
45	$117	$213	$2,551	-1%
46	$110	$194	$2,323	-9%
47	$117	$211	$2,535	9%
48	$117	$202	$2,424	-4%
49	$109	$199	$2,390	-1%
50	$109	$196	$2,349	-2%
51	$103	$185	$2,217	-6%
52	$112	$205	$2,461	11%
53	$101	$179	$2,142	-13%
54	$111	$199	$2,393	12%
55	$104	$186	$2,228	-7%
56	$95	$178	$2,138	-4%
57	$97	$179	$2,151	1%
58	$103	$183	$2,201	2%
59	$102	$176	$2,117	-4%
60	$94	$165	$1,986	-6%
61	$103	$183	$2,191	10%
62	$98	$173	$2,071	-5%
63	$100	$180	$2,159	4%
64	$98	$173	$2,081	-4%
65	$97	$173	$2,076	-0%
66	$95	$169	$2,032	-2%
67	$98	$184	$2,209	9%
68	$95	$179	$2,150	-3%
69	$93	$180	$2,162	1%
70	$92	$177	$2,118	-2%
71	$107	$193	$2,315	9%
72	$89	$165	$1,982	-14%
73	$108	$198	$2,379	20%
74	$104	$189	$2,268	-5%
75	$115	$200	$2,402	6%

Last Updated Aug. 11, 2026

Key takeaway: Virginia rates average $433/mo at age 16 and decline steadily to $173/mo by 65 before rising to $200/mo by 75. Richmond and Virginia Beach-area drivers pay above the statewide average.

Washington

Washington rates average $504 per month at 16 before dipping at 17 and then spiking -7% at 18 to $520 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 $162 per month. Rates climb again in the mid-70s, reaching $164 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	$307	$504	$6,046	–
17	$294	$557	$6,681	11%
18	$270	$520	$6,240	-7%
19	$244	$477	$5,724	-8%
20	$212	$418	$5,014	-12%
21	$179	$351	$4,208	-16%
22	$169	$326	$3,917	-7%
23	$151	$285	$3,422	-13%
24	$155	$301	$3,615	6%
25	$142	$286	$3,433	-5%
26	$139	$271	$3,253	-5%
27	$127	$249	$2,992	-8%
28	$127	$259	$3,109	4%
29	$121	$250	$3,005	-3%
30	$114	$230	$2,761	-8%
31	$114	$228	$2,733	-1%
32	$111	$221	$2,652	-3%
33	$116	$234	$2,806	6%
34	$113	$219	$2,628	-6%
35	$107	$208	$2,495	-5%
36	$99	$202	$2,422	-3%
37	$105	$209	$2,505	3%
38	$106	$209	$2,512	0%
39	$97	$200	$2,395	-5%
40	$96	$185	$2,220	-7%
41	$99	$199	$2,390	8%
42	$97	$189	$2,270	-5%
43	$94	$182	$2,185	-4%
44	$95	$188	$2,262	4%
45	$101	$200	$2,398	6%
46	$90	$183	$2,200	-8%
47	$91	$183	$2,199	-0%
48	$96	$176	$2,117	-4%
49	$91	$175	$2,099	-1%
50	$89	$182	$2,185	4%
51	$90	$173	$2,079	-5%
52	$88	$172	$2,066	-1%
53	$85	$161	$1,934	-6%
54	$86	$171	$2,053	6%
55	$91	$174	$2,094	2%
56	$86	$160	$1,917	-8%
57	$83	$159	$1,912	-0%
58	$79	$153	$1,834	-4%
59	$82	$159	$1,907	4%
60	$83	$158	$1,892	-1%
61	$79	$159	$1,906	1%
62	$83	$157	$1,879	-1%
63	$87	$159	$1,911	2%
64	$76	$146	$1,748	-9%
65	$93	$162	$1,947	11%
66	$83	$161	$1,930	-1%
67	$83	$156	$1,875	-3%
68	$82	$145	$1,744	-7%
69	$76	$137	$1,645	-6%
70	$78	$142	$1,707	4%
71	$76	$136	$1,636	-4%
72	$82	$149	$1,786	9%
73	$82	$146	$1,752	-2%
74	$77	$143	$1,713	-2%
75	$77	$164	$1,964	15%

Last Updated Aug. 11, 2026

Key takeaway: Washington rates peak at age 18 ($520/mo) before declining steadily to $162/mo by 65. Rates rise again to $164/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 2% at 22 to $317 per month. After that, rates follow a more typical downward trend. By 65, the average reaches $208 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	$197	$323	$3,872	-19%
18	$160	$328	$3,931	2%
19	$168	$344	$4,123	5%
20	$145	$323	$3,879	-6%
21	$131	$317	$3,810	-2%
22	$126	$265	$3,185	-16%
23	$125	$252	$3,025	-5%
24	$110	$240	$2,882	-5%
25	$115	$238	$2,859	-1%
26	$103	$233	$2,796	-2%
27	$99	$213	$2,555	-9%
28	$106	$211	$2,536	-1%
29	$97	$202	$2,426	-4%
30	$101	$211	$2,535	4%
31	$104	$195	$2,338	-8%
32	$93	$195	$2,339	0%
33	$84	$190	$2,282	-2%
34	$88	$178	$2,142	-6%
35	$98	$203	$2,436	14%
36	$90	$192	$2,305	-5%
37	$87	$172	$2,067	-10%
38	$85	$189	$2,262	9%
39	$85	$170	$2,045	-10%
40	$87	$177	$2,127	4%
41	$89	$189	$2,268	7%
42	$89	$201	$2,417	7%
43	$80	$183	$2,192	-9%
44	$82	$183	$2,197	0%
45	$88	$193	$2,314	5%
46	$89	$190	$2,275	-2%
47	$82	$174	$2,094	-8%
48	$83	$173	$2,071	-1%
49	$92	$178	$2,134	3%
50	$76	$142	$1,702	-20%
51	$80	$155	$1,865	10%
52	$88	$169	$2,029	9%
53	$79	$155	$1,855	-9%
54	$81	$176	$2,113	14%
55	$82	$178	$2,138	1%
56	$74	$154	$1,854	-13%
57	$73	$140	$1,682	-9%
58	$73	$146	$1,748	4%
59	$70	$136	$1,627	-7%
60	$76	$160	$1,918	18%
61	$73	$160	$1,918	-0%
62	$70	$137	$1,644	-14%
63	$76	$163	$1,953	19%
64	$84	$208	$2,499	28%
65	$78	$175	$2,095	-16%
66	$75	$144	$1,730	-17%
67	$73	$147	$1,760	2%
68	$79	$168	$2,020	15%
69	$64	$152	$1,829	-9%
70	$77	$145	$1,744	-5%
71	$82	$174	$2,086	20%
72	$78	$146	$1,751	-16%
73	$71	$134	$1,612	-8%
74	$65	$135	$1,622	1%
75	$77	$147	$1,767	9%

Last Updated Aug. 11, 2026

Key takeaway: West Virginia rates spike through age 21 before falling 2% at 22. By 65, the average is $208/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 57% at 18 to $386 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 $83 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	$143	$246	$2,950	-29%
18	$147	$386	$4,629	57%
19	$126	$265	$3,178	-31%
20	$108	$238	$2,861	-10%
21	$91	$196	$2,347	-18%
22	$80	$184	$2,207	-6%
23	$87	$172	$2,061	-7%
24	$77	$161	$1,931	-6%
25	$72	$160	$1,924	-0%
26	$70	$141	$1,686	-12%
27	$72	$146	$1,752	4%
28	$65	$130	$1,562	-11%
29	$67	$142	$1,702	9%
30	$61	$134	$1,609	-5%
31	$63	$128	$1,531	-5%
32	$63	$135	$1,622	6%
33	$59	$128	$1,532	-6%
34	$60	$120	$1,440	-6%
35	$59	$115	$1,376	-4%
36	$62	$126	$1,515	10%
37	$55	$130	$1,555	3%
38	$67	$137	$1,646	6%
39	$55	$114	$1,374	-17%
40	$61	$131	$1,575	15%
41	$63	$132	$1,586	1%
42	$64	$129	$1,554	-2%
43	$52	$118	$1,413	-9%
44	$60	$119	$1,429	1%
45	$61	$127	$1,521	6%
46	$53	$113	$1,351	-11%
47	$59	$115	$1,381	2%
48	$56	$110	$1,322	-4%
49	$54	$108	$1,299	-2%
50	$52	$108	$1,302	0%
51	$53	$113	$1,361	5%
52	$54	$118	$1,421	4%
53	$53	$101	$1,207	-15%
54	$48	$96	$1,153	-4%
55	$52	$110	$1,321	15%
56	$51	$103	$1,231	-7%
57	$45	$95	$1,144	-7%
58	$47	$100	$1,199	5%
59	$42	$88	$1,051	-12%
60	$46	$95	$1,143	9%
61	$47	$91	$1,088	-5%
62	$46	$91	$1,092	0%
63	$45	$87	$1,047	-4%
64	$45	$100	$1,203	15%
65	$40	$83	$1,002	-17%
66	$46	$96	$1,153	15%
67	$43	$85	$1,017	-12%
68	$41	$81	$968	-5%
69	$42	$77	$923	-5%
70	$45	$91	$1,088	18%
71	$42	$87	$1,044	-4%
72	$50	$103	$1,240	19%
73	$42	$76	$915	-26%
74	$46	$105	$1,257	37%
75	$48	$86	$1,036	-18%

Last Updated Aug. 11, 2026

Key takeaway: Wisconsin rates spike 57% at age 18 before falling sharply. By 65, the average is just $83/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	$204	$2,450	42%
19	$124	$219	$2,630	7%
20	$84	$170	$2,038	-23%
21	$92	$194	$2,334	15%
22	$68	$122	$1,461	-37%
23	$58	$162	$1,942	33%
24	$83	$155	$1,858	-4%
25	$66	$108	$1,291	-31%
26	$57	$93	$1,113	-14%
27	$55	$103	$1,237	11%
28	$51	$91	$1,094	-12%
29	$55	$99	$1,188	9%
30	$46	$91	$1,091	-8%
31	$43	$73	$881	-19%
32	$50	$128	$1,531	74%
33	$65	$141	$1,691	10%
34	$41	$83	$997	-41%
35	$48	$92	$1,109	11%
36	$53	$103	$1,240	12%
37	$51	$93	$1,115	-10%
38	$43	$83	$992	-11%
39	$41	$92	$1,098	11%
40	$55	$106	$1,273	16%
41	$42	$75	$904	-29%
42	$46	$101	$1,213	34%
43	$44	$97	$1,162	-4%
44	$47	$108	$1,294	11%
45	$46	$96	$1,154	-11%
46	$44	$100	$1,196	4%
47	$43	$72	$862	-28%
48	$51	$98	$1,177	36%
49	$59	$127	$1,528	30%
50	$46	$83	$1,001	-35%
51	$46	$117	$1,402	40%
52	$37	$89	$1,063	-24%
53	$39	$62	$740	-30%
54	$43	$94	$1,124	52%
55	$36	$101	$1,209	8%
56	$40	$95	$1,134	-6%
57	$40	$86	$1,027	-9%
58	$35	$65	$775	-25%
59	$28	$59	$704	-9%
60	$44	$77	$925	32%
61	$35	$66	$797	-14%
62	$31	$59	$703	-12%
63	$33	$61	$738	5%
64	$47	$76	$914	24%
65	$34	$62	$745	-19%
66	$41	$76	$913	23%
67	$26	$55	$665	-27%
68	$23	$41	$491	-26%
70	$21	$64	$768	56%
71	$15	$29	$343	-55%
72	$25	$49	$586	71%
73	$35	$68	$822	40%
74	$45	$66	$790	-4%
75	$54	$129	$1,544	95%

Last Updated Aug. 11, 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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