What is liability auto insurance, and how does it impact average auto insurance rates by age?

Liability auto insurance pays for injuries or damage you cause to others in an accident. It’s required in most states and includes bodily injury and property damage coverage. Younger drivers usually pay more for liability coverage since they’re considered higher risk. As you gain experience and keep a clean record, your rates tend to drop with age.

Why do married people pay less for car insurance?

Married people often pay less for car insurance due to: Statistical risk reduction Stability and responsibility Bundling opportunities Shared vehicles Married couples can save on car insurance by bundling policies or insuring multiple vehicles. Check out the best auto insurance companies for married couples to find discounts and coverage that work for you.

At what age does car insurance go down for females?

Auto insurance rates for females tend to fall around the same time as males, which is in their 20s. The average cost of insurance for a 22-year-old female varies, but it is about $175 monthly, which equates to $2099 per year. The average car insurance rate for a 45-year-old female can be as high as $174 a month.

Auto insurance rates drop consistently until a driver reaches what age?

Car insurance rates drop as you move through your 20s and gain more driving experience. By the time you’re in your 60s, rates are usually at their lowest because decades of experience make you a lower-risk driver.

Should my car insurance go down every year?

Car insurance doesn’t automatically go down yearly, but your rates might decrease as you gain driving experience, maintain a clean record, or qualify for new discounts. Vehicle depreciation and improved credit can also help lower premiums.

Does AARP have cheaper car insurance?

AARP (American Association of Retired Persons) does not provide car insurance directly, but they offer car insurance plans through The Hartford, an auto insurance company tailored for AARP members. For more details on how it compares, check out our AARP Auto Insurance from The Hartford review. The best auto insurance for seniors over 60 could be a company you are already used to working with.

Does car insurance go up at age 70?

Usually, car insurance rates start to creep back up when you hit your 60s. So, you could see further increases as you enter your 70s. Some may wonder, “What is the best car insurance for people over 65?” Numerous companies can offer drivers over 65 with good insurance options. Consider companies that offer discounts for seniors, specific coverage options, good customer service and support, a company with financial stability and flexible policy options.

What are the three reasons insurance rates are higher for drivers under 25?

If you’re wondering, “Why is car insurance so expensive for 25-year-olds? ” There are three main reasons. Lack of driving experience, higher risk perception, and higher accident rates.

What demographic pays the most for car insurance?

Young drivers, particularly those under 25, generally pay the highest car insurance premiums. This demographic includes teenagers and young adults who have less driving experience and are statistically prone to accidents.

What age does car insurance go down in the USAA?

For USAA policyholders, rates generally drop in your mid-20s, especially if you have a clean driving record. USAA tends to offer competitive rates for military families and younger drivers, but as you gain more experience on the road, you’ll likely see your premiums decrease further. Learn more in our USAA auto insurance review.

What age does car insurance go down for females in Texas?

Like in many places, car insurance rates in Texas typically start to decrease for females around their mid-20s. This age marks a transition when insurers often recognize more driving experience and lower risk profiles. Many drivers wonder, “Is car insurance more expensive for people in their 20s?” While rates generally start to drop in this age range, premiums for early 20-somethings can still be higher compared to older, more experienced drivers. Auto insurance rates often decline consistently for those with a low-risk profile, little to no accident history, and good driving habits. Want to find the best rates for your age group? Enter your ZIP code into our free comparison tool to get started.

Auto Insurance Rates by Age in 2025 (Compare Rates & Save Today!)

Auto insurance rates by age vary. For example, 16-year-olds pay around $592/mo, while 45-year-olds pay $119/mo since younger car insurance age brackets see higher rates. Below, you can learn more about how age affects car insurance rates and where to get cheap auto insurance for your age group.

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

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Updated November 2025

Auto insurance rates by age vary significantly. For instance, teens pay some of the highest rates, averaging $592/mo for full coverage, though rates typically drop after age 25.

We’ll break down auto insurance premiums by age, looking at cheap auto insurance companies by age. Keep reading to learn more about average car insurance rates by age and gender, how to find the best car insurance rates by age, and how age affects car insurance rates.

Enter your ZIP code to get started on comparing quotes.

Things to Remember

Younger drivers pay the highest auto insurance rates averaging around $801/mo
Rates begin to decrease as you age but increase again around 60
Other factors affecting car insurance rates include driving record and credit score

Average Auto Insurance Rates by Age

Does age affect car insurance? Yes, it does. Young drivers pay higher average rates because they lack the necessary experience to avoid accidents. Another reason why auto insurance costs more for young drivers is that they tend to take more risks, like distracted driving and speeding.

Insurance rates by age reflect the evolving risk profiles insurers consider, balancing experience and statistics to determine premiums

So now we know that car insurance rates can vary significantly based on age and gender, reflecting the varying risk profiles associated with different demographics. The average insurance rates by age and car highlight these differences. For younger drivers, particularly those under 25, premiums are often higher due to their limited driving experience and higher likelihood of accidents.

Average Auto Insurance Rates by Age

The cost of car insurance for 17-year-olds tends to be high due to the increased risk associated with young and inexperienced drivers. On average, insurance companies charge higher premiums to cover potential accidents. Specifically, the average car insurance rate for a 17-year-old female varies depending on location, type of vehicle, and driving record. Still, it remains significantly higher than rates for older, more experienced drivers.

For example, the average car insurance rates for drivers under 25 are notably high. Specifically, car insurance for a 23-year-old and car insurance for a 24-year-old tends to be expensive, though at slightly lower rates than for teenagers. The average car insurance rate for a 20-year-old female is generally lower than for males of the same age but still high overall.

Is car insurance cheaper as you get older? Yes, as drivers age and gain more experience, their rates typically decrease.

Car insurance for a 28-year-old male and car insurance for a 30-year-old is usually more affordable than for young drivers. For older drivers, car insurance for those over 50 and car insurance for drivers over 55 tends to be quite reasonable, as these drivers are often seen as more experienced and lower-risk.

The best auto insurance for seniors can vary, sometimes increasing slightly due to age-related factors. However, car insurance for 60-year-olds often remains relatively low compared to younger age groups.

Overall, car insurance costs are influenced by various factors, including age, gender, driving history, and the type of car being insured.

The good news is that around age 25, your car insurance rates start to decrease, provided you have a clean driving record. Unfortunately, rates stay much higher than usual if you have accidents, tickets, or DUIs on your driving record.

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Auto insurance for men vs. women also has varying rates. Males typically pay higher rates because statistics show they take more risks. So, we’ll show you average car insurance rates by age and gender. In general, if you are wondering, “Which gender pays more for car insurance?” statistically speaking, young male drivers tend to pay more for car insurance than young female drivers. Insurance rates do go up with age, no matter your gender.

However, not all states allow auto insurance companies to use age to determine rates. Below, we’ll compare average car insurance rates by age per month. Understanding average car insurance rates monthly will help you plan your expenses wisely.

Cheapest Auto Insurance for 18-Year-Olds

So, how much is car insurance for an 18-year-old? Because 18-year-olds have a year or two of driving experience, their rates aren’t the highest. However, rates are still significantly higher than average.

Why do young drivers pay more for car insurance? Auto insurance for teens is higher for various reasons, but the most significant is that they’re in more accidents than older drivers.

Check out this car insurance rates by age chart to see which of the top insurers have the best full coverage rates for 18-year-old drivers:

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Age: 16 Female	Age: 16 Male	Age: 18 Female	Age: 18 Male
$868	$910	$640	$740
$644	$651	$475	$529
$1,156	$1,103	$853	$897
$425	$445	$313	$362
$1,031	$1,121	$745	$893
$586	$679	$432	$552
$1,144	$1,161	$843	$944
$444	$498	$327	$405
$1,026	$1,298	$757	$1,056

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While USAA has the cheapest rates, it only offers car insurance to military members, veterans, and their families. So, for this article, we’ll focus on insurers available to all drivers.

Geico offers the cheapest rates for all 18-year-olds, but males pay around $30 more monthly than females.

The average car insurance for 18-year-olds costs significantly more for males, with Travelers charging over $200 a month more than females, while Farmers offers the most expensive rates for 18-year-old females.

Read More:

Cheapest Auto Insurance for 35-Year-Olds

Fortunately, drivers over 25 have lower car insurance rates, and the gap between male and female rates decreases (Read More: Male vs. Female Auto Insurance Rates).

Car insurance age brackets categorize drivers into groups that insurers use to assess risk and determine premiums. These brackets reflect varying levels of driving experience and the statistical likelihood of accidents. The car insurance by age chart below illustrates how premiums vary differently across age groups.

This table shows average car insurance rates by age and gender for older drivers from top car insurance companies:

Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$468	$540	$141	$147	$125	$122	$122	$119
	$640	$740	$240	$252	$231	$228	$226	$223
	$435	$591	$165	$195	$164	$166	$161	$163
	$520	$600	$200	$210	$190	$185	$180	$175
	$853	$897	$228	$239	$199	$198	$194	$194
	$313	$362	$128	$124	$114	$114	$112	$112
	$745	$893	$249	$285	$244	$248	$239	$243
	$404	$454	$124	$130	$112	$110	$110	$108
	$432	$552	$177	$194	$161	$164	$158	$160
	$843	$944	$187	$194	$159	$150	$156	$147
	$362	$417	$109	$113	$103	$101	$101	$99
	$327	$405	$133	$147	$123	$123	$120	$120
	$580	$670	$180	$190	$164	$161	$159	$156
	$757	$1,056	$142	$154	$139	$141	$136	$138
	$257	$289	$106	$113	$84	$84	$82	$82
U.S. Average	$560	$656	$182	$191	$166	$165	$163	$161

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Rates continue to decrease until drivers reach 60. Then, many drivers see their rates creep back up, leading to questions like, “Does car insurance cost increase with age?” While rates rise slightly for older drivers, they remain much lower than those for younger drivers.

Cheapest Auto Insurance for 65-Year-Olds

Once drivers hit a certain age, health concerns outweigh driving experience. While most older drivers have decades of experience, some drivers face a loss of motor skills and slow reaction times.

For these reasons, auto insurance for seniors begins to get more expensive when drivers turn 60. However, the increase should be minimal if you’ve avoided accidents on your driving record. So, what are the best auto insurance companies for seniors?

This table shows the average monthly car insurance rates for 65-year-old drivers:

Senior Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Age: 55 Male	Age: 55 Female	Age: 60 Male	Age: 60 Female	Age: 65 Male	Age: 65 Female
$213	$214	$220	$220	$220	$221
$131	$131	$126	$122	$135	$136
$313	$311	$292	$305	$323	$321
$100	$103	$111	$111	$103	$106
$377	$377	$438	$438	$389	$389
$160	$158	$154	$146	$166	$163
$126	$137	$129	$125	$130	$141
$154	$154	$145	$145	$158	$158
$152	$156	$147	$144	$156	$159
$184	$188	$171	$170	$190	$194

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Geico provides the lowest rates for male and female 65-year-old drivers. However, Liberty Mutual offers the highest rates for 65-year-old drivers, which are more than double those of Geico. (Read More: Liberty Mutual Auto Insurance Review)

Average Car Insurance Rates by State and Age

Navigating the average car insurance cost by age reveals how premiums evolve, reflecting drivers’ changing risk profiles and insurers’ pricing strategies. Your ZIP code also affects car insurance rates. As discussed above, some states don’t allow age to affect rates. However, all other states allow insurers to consider age when calculating rates.

This table shows the average car insurance cost per month by age and state:

Auto Insurance Monthly Rates by State

State
Alabama	$51	$50	$63	$42	$77	$46	$53	$51	$37	$27
Alaska	$66	$51	$62	$37	$80	$53	$47	$32	$46	$29
Arkansas	$78	$66	$79	$43	$48	$61	$63	$38	$53	$26
Arizona	$94	$60	$70	$34	$93	$61	$44	$42	$55	$33
California	$102	$71	$85	$51	$110	$73	$68	$55	$63	$38
Colorado	$74	$52	$72	$42	$41	$48	$54	$42	$51	$35
Connecticut	$139	$89	$107	$44	$143	$79	$94	$65	$59	$55
Delaware	$127	$80	$97	$62	$304	$88	$55	$71	$51	$26
Florida	$82	$84	$102	$40	$72	$46	$69	$44	$75	$21
Georgia	$90	$68	$82	$33	$144	$83	$63	$58	$60	$39
Hawaii	$52	$36	$44	$26	$56	$37	$35	$28	$32	$19
Iowa	$37	$28	$24	$24	$34	$22	$22	$19	$27	$16
Idaho	$51	$37	$36	$23	$31	$32	$36	$21	$23	$16
Illinois	$109	$70	$73	$29	$47	$57	$55	$40	$54	$38
Indiana	$75	$57	$42	$34	$98	$52	$37	$38	$37	$23
Kansas	$62	$44	$56	$29	$68	$36	$50	$32	$34	$22
Kentucky	$104	$72	$87	$35	$74	$81	$49	$43	$62	$32
Louisiana	$64	$54	$66	$44	$85	$56	$50	$39	$48	$30
Massachusetts	$80	$55	$67	$40	$86	$57	$53	$43	$49	$30
Maryland	$196	$113	$137	$132	$177	$104	$118	$104	$100	$78
Maine	$61	$48	$67	$21	$68	$49	$54	$81	$35	$21
Michigan	$278	$140	$229	$68	$291	$176	$104	$143	$126	$73
Minnesota	$115	$67	$78	$65	$270	$62	$73	$48	$68	$49
Missouri	$80	$57	$73	$48	$70	$36	$53	$46	$61	$27
Mississippi	$74	$61	$74	$36	$60	$49	$61	$42	$45	$27
Montana	$60	$49	$64	$32	$23	$35	$67	$27	$43	$19
North Carolina	$109	$52	$63	$44	$53	$71	$20	$49	$64	$28
North Dakota	$54	$57	$42	$24	$158	$30	$44	$30	$35	$17
Nebraska	$47	$42	$49	$35	$68	$29	$36	$26	$39	$21
New Hampshire	$75	$45	$55	$30	$116	$45	$37	$34	$40	$24
New Jersey	$144	$105	$211	$68	$254	$108	$85	$104	$124	$56
New Mexico	$75	$49	$62	$43	$77	$103	$41	$33	$43	$31
Nevada	$88	$75	$82	$58	$59	$60	$44	$55	$48	$37
New York	$96	$89	$108	$51	$130	$107	$63	$89	$114	$55
Ohio	$64	$33	$52	$32	$57	$61	$45	$37	$34	$22
Oklahoma	$59	$52	$60	$48	$81	$54	$48	$40	$46	$30
Oregon	$112	$78	$81	$68	$103	$81	$57	$55	$71	$42
Pennsylvania	$79	$58	$70	$36	$117	$46	$79	$41	$40	$30
Rhode Island	$80	$64	$78	$53	$100	$81	$49	$32	$44	$28
South Carolina	$90	$80	$113	$54	$125	$80	$71	$60	$71	$46
South Dakota	$25	$28	$21	$11	$43	$14	$20	$13	$18	$11
Tennessee	$57	$40	$34	$31	$42	$47	$36	$29	$35	$23
Texas	$116	$101	$79	$61	$103	$89	$70	$52	$58	$36
Utah	$80	$72	$79	$50	$82	$64	$65	$71	$61	$34
Virginia	$71	$57	$68	$47	$89	$59	$42	$43	$50	$30
Vermont	$65	$39	$47	$17	$46	$35	$83	$40	$34	$19
Washington	$65	$52	$58	$42	$52	$40	$34	$39	$46	$26
Washington, D.C.	$151	$72	$87	$43	$112	$108	$72	$69	$64	$30
Wisconsin	$61	$31	$54	$31	$42	$113	$47	$29	$36	$23
West Virginia	$73	$52	$63	$38	$89	$47	$50	$36	$46	$30
Wyoming	$37	$26	$31	$26	$18	$27	$25	$19	$23	$13
U.S. Average	$86	$61	$74	$42	$95	$62	$55	$47	$52	$31

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Monthly average costs by age and state vary due to high crime rates or different insurance regulations by state. So, comparing average car insurance rates by age and state is critical to finding the lowest cost.

For example, North Carolina offers the cheapest rates for male and female 18-year-old drivers. On the other hand, Michigan has the highest average car insurance rates by age for the same group. In fact, Michigan’s rates are around three times as high as North Carolina’s.

Michigan Auto Insurance

As you can see in the chart, the average monthly car insurance cost in Wisconsin, by age, isn’t too high either. Overall, the average car insurance cost by age varies per state and other factors.

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How Age Affects Auto Insurance Rates

As we’ve seen, car insurance rates vary by age. So now, let’s talk about why different age groups receive different rates.

Young drivers have the least experience and are likelier to get into accidents. In addition, younger drivers are more likely to take risks like speeding and distracted driving.

If you’re wondering what age group has the most fatal crashes, according to the Insurance Information Institute, vehicle crashes are the second leading cause of teen deaths. Additionally, teen fatalities make up almost 9% of crashes, but teens only make up 5% of drivers.

However, starting in the mid-20s, insurers consider drivers more responsible and safer. The added responsibility of families and jobs causes many drivers to take fewer risks. Car insurance companies see this as a win and offer lower rates.

Once drivers become older, they may see an increase in car insurance rates. Typically, older drivers face medical concerns such as losing vision or hearing, slower response times, and other conditions. Thus, rates begin to rise as drivers age.

Depending on various factors, the average car insurance rate for an 80-year-old driver can range from approximately $1,500 to over $2,000.

Car insurance for a 20-year-old driver averages around $252 per month for full coverage, and for an 18-year-old driver it averages $229 per month for full coverage

🚗Drivers under 25 pay up to $5k more a year for insurance than those in their 30s.😲 Do you fall in this age range? 👉Price match here: https://t.co/TSq0vDEjME. Learn ways to save on auto insurance for young drivers: https://t.co/J43PJYIyTo pic.twitter.com/CkyAQkMKeN

— AutoInsurance.org (@AutoInsurance) February 16, 2023

Fortunately, rates for older drivers shouldn’t increase significantly to the rates for young drivers. All drivers can reduce car insurance rates by maintaining a clean driving record and taking advantage of auto insurance discounts.

Drivers can also take advantage of discounts for their age group. For example, many insurers offer good student discounts for young drivers or membership discounts for drivers over 50 in AARP.

Other Factors Affecting Auto Insurance Rates

Many factors affect auto insurance rates alongside age. For example, while age and gender are significant factors that influence rates, they aren’t the only considerations.

Additional factors affecting car insurance rates include:

Driving Record: Drivers with accidents, tickets, and DUIs will likely cost insurers and see higher rates.
Vehicle Type: New or expensive vehicles are costly to repair or replace, so they see higher car insurance rates.
Coverage Choice: Drop unnecessary coverage and raise auto insurance deductibles to lower rates.
ZIP Code: Drivers who live in cities with a high crime rate and traffic volume see higher rates since their vehicles are more likely to get in an accident or be stolen.
Credit Score: You might be curious how credit scores affect auto insurance rates. Statistics show that drivers with a high credit score are more likely to avoid claims and pay for damages themselves.

Insurers also consider non-driving factors that affect auto insurance rates, like marital status and occupation, which can provide additional insights into risk.

Although most car insurance companies look at these factors to calculate rates, they look at them differently. For example, one insurer may offer higher rates because of your speeding ticket, while another could overlook your first ticket and offer lower rates.

Understanding Average Auto Insurance Rates by Age

You might wonder how age affects car insurance rates. Younger drivers with less experience behind the wheel pay the highest average rates, while drivers with more experience see lower rates starting in their mid-20s.

🚗Drivers under 25 pay up to $5k more a year for insurance than those in their 30s.😲 Do you fall in this age range? 👉Price match here: https://t.co/TSq0vDEjME. Learn ways to save on auto insurance for young drivers: https://t.co/J43PJYIyTo pic.twitter.com/CkyAQkMKeN

— AutoInsurance.org (@AutoInsurance) February 16, 2023

However, drivers may see rates increase again once they hit 60. Car insurance companies understand that older drivers may have medical conditions affecting safe driving, such as vision and hearing loss.

Your state also affects your car insurance rates. For example, some states charge higher car insurance rates for the same age group due to the state’s regulations.

Since each car insurance company offers different rates, shopping around is essential to finding the best car insurance by age. Use our free comparison tool to compare online auto insurance companies and see which offers the cheapest rates for your age group.

Frequently Asked Questions

Does age affect car insurance rates?

Yes, age significantly affects car insurance rates. Younger and older drivers generally pay higher premiums due to their respective higher risk profiles, while middle-aged drivers often benefit from lower rates reflecting greater driving experience and lower accident rates.

Which age group pays the most for car insurance?

You’ll pay the highest auto insurance rates at age 16, averaging $618 monthly for full coverage. So, why is car insurance expensive for young drivers? Well, young drivers are inexperienced and more likely to file claims, so they pay higher rates. Other factors also come into play when determining which age group pays the most for car insurance.

If you are wondering, “How much is full coverage car insurance for an 18-year-old?” The answer is, on average, $2,756 annually. This breaks down the monthly car insurance rate for an 18-year-old to about $230.

“At what age is car insurance most expensive?” is a common question among young drivers looking to understand how insurance costs vary with age.

How can young drivers get cheaper car insurance?

Since rates for young drivers are so high, finding ways to lower costs is essential. Most car insurance companies offer good student and driver’s education discounts to lower rates. In addition, maintaining a clean driving record and driving an affordable car helps keep rates low.

How much do 17-year-olds pay for car insurance?

Unfortunately, 17-year-olds have significantly higher car insurance rates since teen drivers tend to engage in risky behavior like speeding and texting while driving. The cost of car insurance for 17-year-old drivers varies significantly by state and insurer. While some states, like California, don’t charge higher rates based on age, most allow insurance companies to consider age.

How much do 20-year-old drivers pay for car insurance?

While car insurance rates decrease around age 25, 20-year-old drivers still see higher-than-average rates. So while rates aren’t as high as teen drivers, they can still be around $300 a month. As discussed above, rates vary widely based on your state and insurance company. In addition, some insurance companies are more willing to work with younger drivers, while others charge much higher rates.

What age group has the cheapest car insurance?

Auto insurance for seniors is generally cheaper than the national average since seniors have experience driving. Seniors pay about $117 per month for full coverage. If you are thinking, “At what age is insurance the cheapest?” the age factor is only one of a handful of things that can alter your auto insurance premium.

What states don’t allow insurance companies to consider age when setting auto insurance rates?

Hawaii, California, and Massachusetts disallow insurers from considering age when setting auto insurance rates. However, average auto insurance costs by age in these states are still higher for teens since insurers can still consider a customer’s driving experience and insurance history.

Why are average auto insurance rates by age higher for 16-year-olds?

16-year-old drivers have less driving experience and are more likely to drive distracted. So, insurance companies charge them higher rates to offset the additional risk.

At what age does car insurance go down for males?

Two common questions from male drivers are, “At what age does car insurance go down for men? and When does car insurance go down for men? “Average insurance rates for men tend to decrease once they reach their 20s. Below are some rates to review over the years of a male driver.

The average car insurance rate for a 16-year-old boy with full coverage is $635 a month or $7,625 annually.
The average car insurance rate for an 18-year-old male is slightly lower, at approximately $465 monthly.
The average car insurance rate for a 20-year-old male is approximately $383 per month for full coverage.
The average car insurance rate for a 23-year-old male typically falls around $220 to $300 per month.

The average car insurance rate for a 25-year-old male is generally lower than that for younger drivers, typically ranging from $150 to $250 per month, influenced by factors such as driving record and vehicle type. Discover how auto insurance companies check driving records in our guide.

What other factors besides age can impact average auto insurance rates?

Factors like driving record, vehicle make and model, location, credit score, and coverage options all impact average auto insurance rates beyond age.

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Auto Insurance Rates by Age in 2025 (Compare Rates & Save Today!)

Auto insurance rates by age vary. For example, 16-year-olds pay around $592/mo, while 45-year-olds pay $119/mo since younger car insurance age brackets see higher rates. Below, you can learn more about how age affects car insurance rates and where to get cheap auto insurance for your age group.

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