Car insurance rates change significantly as you age, and understanding when and why those changes happen can help you shop smarter.

Based on Jerry’s internal quote data, drivers pay the most at age 16, averaging $475 per month. Rates fall nearly every year through your mid-60s, reaching an average low of $177 per month at age 65.

The drops are sharpest in your early 20s. Between ages 20 and 25, the average monthly rate falls from $437 to $296. After age 30, the year-over-year savings slow down but keep coming. The tables below show exactly when rates drop, by how much and what drivers in your age group typically pay.

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Average car insurance cost by age

The table below shows average monthly and annual car insurance quotes for drivers ages 16 to 75, based on Jerry data over the last 12 months.

The lowest quote Jerry found for a 16-year-old driver was $225 per month.By 65, the lowest quote in the data drops to just $177 per month.

One thing worth knowing before you look at the numbers: Rates rise slightly from age 17 to 18, jumping 7% on average. This happens because many 18-year-olds move off a parent’s policy and onto their own for the first time, which pushes up the average for that age group. After 18, rates fall consistently.

Age	Lowest quote we've found	Average monthly quote	Average annual quote

16	$225	$475	$5,698
17	$230	$484	$5,808
18	$230	$518	$6,220
19	$221	$484	$5,802
20	$200	$437	$5,248
21	$180	$385	$4,617
22	$164	$356	$4,276
23	$152	$332	$3,982
24	$145	$311	$3,726
25	$137	$296	$3,556
26	$134	$288	$3,451
27	$130	$277	$3,328
28	$129	$271	$3,250
29	$123	$266	$3,196
30	$122	$254	$3,054
31	$117	$251	$3,015
32	$116	$249	$2,982
33	$112	$240	$2,885
34	$112	$237	$2,841
35	$113	$237	$2,842
36	$110	$232	$2,785
37	$109	$232	$2,779
38	$108	$228	$2,741
39	$108	$229	$2,746
40	$107	$224	$2,692
41	$103	$221	$2,652
42	$104	$219	$2,629
43	$103	$216	$2,598
44	$103	$217	$2,607
45	$103	$214	$2,569
46	$100	$212	$2,542
47	$100	$211	$2,532
48	$101	$207	$2,485
49	$97	$207	$2,484
50	$96	$206	$2,475
51	$96	$200	$2,398
52	$94	$199	$2,387
53	$94	$197	$2,363
54	$93	$194	$2,323
55	$92	$193	$2,315
56	$89	$187	$2,250
57	$86	$183	$2,190
58	$90	$186	$2,229
59	$88	$184	$2,203
60	$90	$184	$2,205
61	$86	$183	$2,195
62	$89	$182	$2,187
63	$86	$180	$2,163
64	$86	$177	$2,125
65	$85	$177	$2,121
66	$86	$177	$2,118
67	$87	$177	$2,125
68	$85	$177	$2,120
69	$87	$179	$2,151
70	$87	$180	$2,160
71	$89	$182	$2,185
72	$87	$181	$2,172
73	$88	$185	$2,221
74	$88	$186	$2,236
75	$89	$186	$2,237

Last Updated Aug. 17, 2026

Key takeaway: Rates fall more than 60% from age 16 to 65. The biggest drops come in your early 20s, and after 18, rates decline almost every year for drivers with a clean record.

At what age does car insurance go down?

Car insurance goes down almost every year from age 16 to 65, but the pace of those drops varies a lot depending on your age.

The steepest single-year drop in Jerry’s data happens at age 21, when the average monthly rate falls by 12%. Age 22 sees another 7% drop, and 19 to 20 brings a decrease of 7%.

According to the Insurance Information Institute (III), age is one of the primary factors insurers use to set rates because it is a reliable indicator of driving experience and claims risk. By the time you reach 25, annual declines have slowed to around 5%. After 30, most drivers see reductions of just 1% to 3% per year, and in some years rates hold flat.

Rates in Jerry’s data hit their lowest point around age 65, when the average monthly premium reaches $177. After that, premiums level off then begin to creep back up. By age 75, the average climbs to $186 per month.

Age	Lowest quote we've found	Average monthly quote	Average annual quote	Difference in average vs previous age

16	$223	$475	$5,698	–
17	$228	$484	$5,808	2%
18	$233	$518	$6,220	7%
19	$219	$484	$5,802	-7%
20	$200	$437	$5,248	-10%
21	$174	$385	$4,617	-12%
22	$160	$356	$4,276	-7%
23	$154	$332	$3,982	-7%
24	$145	$311	$3,726	-6%
25	$137	$296	$3,556	-5%
26	$136	$288	$3,451	-3%
27	$129	$277	$3,328	-4%
28	$127	$271	$3,250	-2%
29	$126	$266	$3,196	-2%
30	$120	$254	$3,054	-4%
31	$117	$251	$3,015	-1%
32	$117	$249	$2,982	-1%
33	$114	$240	$2,885	-3%
34	$112	$237	$2,841	-2%
35	$114	$237	$2,842	0%
36	$110	$232	$2,785	-2%
37	$109	$232	$2,779	-0%
38	$110	$228	$2,741	-1%
39	$111	$229	$2,746	0%
40	$107	$224	$2,692	-2%
41	$108	$221	$2,652	-1%
42	$103	$219	$2,629	-1%
43	$103	$216	$2,598	-1%
44	$102	$217	$2,607	0%
45	$101	$214	$2,569	-1%
46	$102	$212	$2,542	-1%
47	$101	$211	$2,532	-0%
48	$100	$207	$2,485	-2%
49	$100	$207	$2,484	-0%
50	$98	$206	$2,475	-0%
51	$98	$200	$2,398	-3%
52	$95	$199	$2,387	-0%
53	$94	$197	$2,363	-1%
54	$92	$194	$2,323	-2%
55	$94	$193	$2,315	-0%
56	$91	$187	$2,250	-3%
57	$86	$183	$2,190	-3%
58	$90	$186	$2,229	2%
59	$88	$184	$2,203	-1%
60	$91	$184	$2,205	0%
61	$85	$183	$2,195	-0%
62	$89	$182	$2,187	-0%
63	$87	$180	$2,163	-1%
64	$88	$177	$2,125	-2%
65	$86	$177	$2,121	-0%
66	$84	$177	$2,118	-0%
67	$85	$177	$2,125	0%
68	$84	$177	$2,120	-0%
69	$85	$179	$2,151	1%
70	$88	$180	$2,160	0%
71	$89	$182	$2,185	1%
72	$87	$181	$2,172	-1%
73	$90	$185	$2,221	2%
74	$88	$186	$2,236	1%
75	$91	$186	$2,237	0%

Last Updated Aug. 17, 2026

Key takeaway: The biggest single-year rate drop is at 21, when premiums fall 12% on average. After 25, annual drops typically slow to less than 5%. Rates bottom out around age 64 to 65, then rise slightly.

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Car insurance age brackets

Age brackets offer a quick way to see how rates shift across major life stages.

The biggest bracket-to-bracket drop in Jerry’s data happens from ages 18 to 20 (average of $470 per month) to ages 21 to 24 (average of $343 per month). That’s a 27% decrease.

After that, the savings keep coming but in smaller increments. The 25 to 34 bracket sees a 22% drop, ages 35 to 44 bracket saves another 15% and the 45 to 54 bracket sees 9% savings. Rates level off around $184 per month at age 55, then hold steady into the 65-plus bracket.

The lowest quote Jerry found for the 18 to 20 age group was $213 per month. For drivers 65 and older, the lowest quote in the data was $89 per month. Your actual rate depends on your coverage level, location and driving record, but these figures give you a realistic benchmark for what drivers in your age group are paying right now.

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

18-20	$213	$470	$5,645	–
21-24	$155	$343	$4,110	-27%
25-34	$123	$266	$3,191	-22%
35-44	$106	$226	$2,715	-15%
45-54	$98	$205	$2,462	-9%
55-64	$89	$184	$2,211	-10%
65+	$89	$183	$2,191	-1%

Last Updated Aug. 17, 2026

Key takeaway: The 27% drop from the 18 to 20 bracket to the 21 to 24 bracket is the single biggest savings window across a driver’s lifetime. Savings continue after that, but get progressively smaller with each decade.

At what age does car insurance go down for males?

Male drivers start out paying more for car insurance than any other group, and age is the single biggest factor in bringing those rates down.

Research from National Highway Traffic Safety Administration (NHTSA) and other traffic safety organizations, including U.S. Centers for Disease Control and Prevention (CDC), consistently shows that male teen drivers are involved in more fatal crashes than their female counterparts.

The good news is that the savings drop is steep and it starts quickly. Male drivers in the 21 to 24 bracket pay 28% less on average than those in the 18 to 20 bracket, falling from $491 per month to $352 per month.

Meaningful savings continue with each decade: The 25 to 34 bracket sees another 22% drop and the 35 to 44 bracket saves 16% more.

By age 55, the average male Jerry driver pays about $188 per month, where rates begin to level off. A safe driver discount can push that number even lower, especially for drivers who have gone three or more years without an accident or violation.

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

18-20	$218	$491	$5,894	–
21-24	$158	$352	$4,220	-28%
25-34	$124	$273	$3,276	-22%
35-44	$108	$228	$2,738	-16%
45-54	$98	$208	$2,491	-9%
55-64	$89	$188	$2,255	-9%
65+	$91	$188	$2,252	-0%

Last Updated Aug. 17, 2026

Key takeaway: Male drivers see a 28% rate drop when moving from the 18-20 bracket to the 21-24 bracket and save roughly per year on average. Rates level off around $188/mo after 55.

At what age does car insurance go down for females?

Female drivers start out paying less than male drivers the same age, and that advantage is most pronounced in the youngest age group. Women ages 18 to 20 average $435 per month, compared to $491 per month for men. Insurers set rates based on historical claims data, and younger female drivers have statistically lower crash rates than younger male drivers, which is reflected in that gap at the start.

The pattern of rate decreases looks similar to the male trajectory, but the dollar amounts are lower at every stage. The 25% drop from the 18 to 20 bracket into the 21 to 24 bracket is the biggest single transition in the table, bringing the average down from $435 to $328 per month. The 25 to 34 bracket delivers another 22% decrease, and meaningful savings continue through the 55 to 64 bracket, which brings a further 11% drop to $181 per month on average.

After 65, rates are essentially flat. Female drivers 65 and older average $178 per month, the lowest figure in the table and slightly below the $183 monthly average for male drivers in the same age group. Stacking available car insurance discounts like claims-free credits or bundling can push rates below those averages regardless of age.

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

18-20	$206	$435	$5,219	–
21-24	$154	$328	$3,936	-25%
25-34	$123	$256	$3,068	-22%
35-44	$107	$224	$2,691	-12%
45-54	$98	$203	$2,437	-9%
55-64	$86	$181	$2,173	-11%
65+	$85	$178	$2,134	-2%

Last Updated Aug. 17, 2026

Key takeaway: Overall, female drivers typically pay less than males. The biggest drop is at 21-24 (25%). Rates level off around $181 after 55.

Average car insurance quotes by age and gender

This table puts male and female average monthly rates side by side for every age from 16 to 65, based on Jerry’s quote data, so you can see how the gender gap opens, narrows and nearly closes over a driving lifetime.

The gender gap is widest at 16, where male drivers average $535 per month compared to $460 per month for female drivers — a difference of 16%. That gap shrinks quickly through the early 20s, though. By 25, male drivers average $315 per month and female drivers average $294 per month, a gap of just 7%.

By the mid-30s, the difference is nearly gone. At 37, Jerry male drivers average $236 per month while female drivers average $236 — just 0% apart. By the mid-40s, the averages occasionally flip, with female rates slightly higher than male rates in some years. After that, rates for both groups continue their gradual decline in near lockstep, reaching a 4% gap at age 65 ($185 per month for male drivers and $178 per month for female drivers). The gender gap when buying car insurance for seniors is a fraction of what it was at 16.

Age	Lowest quote we've found (male)	Average monthly quote (male)	Lowest quote we've found (female)	Average monthly quote (female)	Difference in averages

16	$246	$535	$222	$460	16%
17	$243	$520	$227	$466	12%
18	$251	$559	$230	$498	12%
19	$237	$525	$219	$463	13%
20	$212	$481	$204	$422	14%
21	$190	$416	$182	$380	9%
22	$172	$378	$167	$347	9%
23	$163	$353	$157	$326	8%
24	$152	$329	$150	$309	7%
25	$146	$315	$142	$294	7%
26	$142	$303	$141	$283	7%
27	$134	$292	$134	$275	6%
28	$133	$284	$128	$268	6%
29	$130	$283	$126	$259	9%
30	$126	$269	$126	$256	5%
31	$123	$265	$121	$251	6%
32	$121	$261	$120	$249	5%
33	$118	$254	$122	$245	3%
34	$116	$249	$118	$241	3%
35	$115	$247	$115	$243	2%
36	$111	$243	$114	$236	3%
37	$113	$236	$113	$236	0%
38	$112	$236	$113	$233	1%
39	$109	$235	$115	$233	1%
40	$108	$230	$112	$229	0%
41	$108	$228	$111	$226	1%
42	$108	$227	$107	$222	2%
43	$104	$222	$108	$222	0%
44	$104	$223	$106	$223	0%
45	$106	$222	$105	$220	1%
46	$106	$219	$106	$216	1%
47	$104	$221	$104	$217	2%
48	$102	$216	$103	$215	1%
49	$102	$219	$102	$210	4%
50	$103	$216	$100	$211	3%
51	$99	$209	$101	$207	1%
52	$98	$210	$98	$202	4%
53	$100	$207	$100	$204	1%
54	$102	$205	$98	$199	3%
55	$96	$204	$96	$199	3%
56	$95	$198	$92	$190	4%
57	$91	$192	$91	$188	2%
58	$93	$199	$93	$187	6%
59	$91	$193	$91	$186	4%
60	$90	$193	$90	$183	6%
61	$90	$195	$87	$183	6%
62	$91	$190	$90	$185	3%
63	$93	$190	$91	$182	4%
64	$89	$185	$90	$178	4%
65	$89	$185	$88	$178	4%

Last Updated Aug. 17, 2026

Key takeaway: The gender gap in car insurance is widest at 16 (16%) but shrinks quickly with age. By 37, the difference is just 0% After that, male and female rates move closely together, with only a 4% gap by age 65.

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Megan Lee

Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.