Home Car insurance Car insurance rates Average car insurance rates by age and gender Average car insurance rates by age and gender At age 25, males pay an average of $2,295 per year for car insurance, while females pay $2,224 — a $71 difference. By age 35, that gap nearly vanishes, with men paying $1,949 and women $1,944 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Sarah Sharkey Sarah Sharkey Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 27, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Age and gender are two factors that come into play when determining your car insurance premiums. For both men and women, younger drivers tend to pay more for car insurance than their older counterparts. In general, women pay less for car insurance than men. For example, women aged 16 to 24 pay around $140 to $784 less a year for car insurance than men in the same age group. However, how gender insurance companies consider gender may be changing as some states ban this practice. For example, California and Michigan have both banned insurance companies from considering gender as a factor when determining car insurance premiums. Hawaii, Massachusetts, North Carolina, and Pennsylvania have followed suit. We explore how age and gender impact car insurance rates below. Key Takeaways Women aged 16 to 24 pay around $140 to $784 less a year for car insurance than men of the same age. Depending on your state, insurers may charge different rates for men and women. Some states, like California and Michigan, have banned gender as a factor in determining car insurance rates. Make sure to shop around before committing to a car insurance policy to find the best rates for your situation. Average car insurance rates by age Car insurance rates tend to drop as you get older — especially after your teen and early adult years. Young drivers face the highest premiums due to limited experience and higher risk, but rates typically start to level out by your mid-20s and continue to decline into your 30s and beyond. The graph below shows how average annual rates change by age. Age Average annual rates 16$7,14917$5,95418$5,24919$4,12620$3,73921$3,09422$2,85823$2,67024$2,52425$2,25930$2,01235$1,94740$1,89745$1,86950$1,79055$1,73760$1,71765$1,74270$1,84175$2,010 Compare car insurance rates by age Car insurance rates can vary significantly depending on your age. If you want a more personalized estimate, use the tools below to estimate what you might pay based on your age group: Teen drivers Young adults Adults Seniors Car insurance rates by gender “Any factors that contribute to a higher likelihood of getting into an accident can cause rates to rise. Statistics demonstrate that men are both more likely to get into car accidents and more likely to have major injuries due to car accidents, so because of that, they are often a little more expensive to insure,” says Ben Michael, founder and managing partner of the Texas law firm Michael & Associates. While gender does influence car insurance premiums, the difference in average rates is minimal for most drivers — unless you’re in your teens or early twenties. Nationally, male drivers pay an average of $1,898 per year, just $2 more than female drivers, who average $1,896. However, the gap widens significantly for younger drivers. Female drivers ages 16 to 24 pay about $412 less per year than their male counterparts — a difference of over 9%, based on our data. With age, car insurance rates for men and women tend to even out. The table below highlights the difference in average rates for male and female drivers across different age groups. Age Average annual rates for male drivers Average annual rates for female drivers 16$7,541$6,75717$6,275$5,63318$5,543$4,95619$4,369$3,88420$3,943$3,53721$3,231$2,95822$2,965$2,75023$2,756$2,58424$2,594$2,45425$2,295$2,22430$2,017$2,00635$1,949$1,94440$1,898$1,89645$1,867$1,87050$1,794$1,78755$1,747$1,72860$1,727$1,70765$1,754$1,73070$1,861$1,82175$2,048$1,971 QuickTake The most and least expensive states for car insurance in 2025 How much does car insurance cost a month in 2025? How does mileage affect car insurance rates in 2025? The most expensive and cheapest cars to insure in 2025 Most and least expensive trucks to insure in 2025 Factors that affect your car insurance rates Determining which drivers should be listed on your car insurance policy Car insurance estimate by model 2025 Average car insurance cost in 2025 Car insurance basics: What is car insurance? 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Some states have banned insurance companies from considering gender. California, Michigan, Hawaii, Massachusetts, North Carolina, and Pennsylvania are some states that have banned insurance companies from determining premiums based on gender. Another important consideration is how non-binary gender options on driver’s licenses may affect car insurance. As more states offer a non-binary or “X” option on official IDs, insurance companies are beginning to update how they collect and use gender data. States that currently allow drivers to select a non-binary selection include: Washington Oregon California Nevada Utah Colorado New Mexico Minnesota Illinois Michigan Virginia Pennsylvania New York Vermont New Hampshire Maine Massachusetts Rhode Island Connecticut New Jersey Maryland District of Columbia Car insurance rates by state and gender Women in Maine, New Hampshire, and Vermont have the lowest average car insurance costs, at less than $1,300 annually. Women in Louisiana and Florida pay the most for car insurance, with average annual costs over $2,700. Men pay slightly lower rates in Florida and Louisiana. However, in California and Michigan, the next most expensive states, men and women face the same average premiums. The table below breaks down the average insurance costs by gender and state. State Average annual rates for males Average annual rates for females Maine$1,195$1,154New Hampshire$1,275$1,256Vermont$1,345$1,293Ohio$1,414$1,421Idaho$1,444$1,412Virginia$1,457$1,481Indiana$1,511$1,519Hawaii$1,517$1,517Illinois$1,534$1,530Washington$1,580$1,637Iowa$1,626$1,635Oregon$1,640$1,715Wisconsin$1,653$1,675Tennessee$1,674$1,679North Dakota$1,681$1,648Alaska$1,692$1,661Massachusetts$1,726$1,726Connecticut$1,734$1,717North Carolina$1,742$1,741Maryland$1,755$1,736Utah$1,782$1,868Wyoming$1,806$1,709Arizona$1,807$1,817Alabama$1,842$1,877New York$1,862$1,878Pennsylvania$1,871$1,872Kansas$1,903$1,897New Jersey$1,912$1,892Nebraska$1,917$1,888Arkansas$1,931$1,982Minnesota$1,936$1,886Georgia$1,965$1,974Missouri$1,999$1,964West Virginia$2,010$2,000Mississippi$2,021$1,996Nevada$2,026$2,095New Mexico$2,028$2,069South Carolina$2,028$1,991Delaware$2,062$2,065Texas$2,062$2,024Rhode Island$2,072$2,050Oklahoma$2,124$2,152Washington, D.C.$2,168$2,146Montana$2,182$2,204Kentucky$2,246$2,210South Dakota$2,306$2,255Colorado$2,350$2,325Michigan$2,352$2,352California$2,416$2,416Florida$2,669$2,720Louisiana$2,872$2,895 Car insurance rates by gender and company Every car insurance company has its own method for determining premiums. That means you’ll find different rates across different companies. Here’s how car insurance rates compare for male and female drivers of different ages across major insurers. CompanyFemale(25)Male (25)Female(45)Male (45)Female (65)Male (65)Allstate$2,884$2,939$2,490$2,477$2,341$2,363Farmers$2,579$2,713$2,371$2,313$2,109$2,177GEICO$2,033$2,035$1,767$1,757$1,665$1,659Nationwide$1,786$1,875$1,489$1,503$1,353$1,391Progressive$2,358$2,381$2,007$1,965$1,825$1,848State Farm$2,227$2,444$1,959$1,958$1,766$1,765Travelers$1,826$1,883$1,556$1,599$1,439$1,503USAA*$1,721$1,778$1,330$1,353$1,277$1,302 Note that USAA is only available to military members and their families. How to get lower car insurance rates Regardless of your age and gender, car insurance premiums can add up quickly. Use the strategies below to lock in lower car insurance rates: Shop around. Comparing quotes across multiple car insurance companies can help you lock in savings. Ask about discounts. Most insurers offer a range of discounts to drivers. Don’t hesitate to ask if you qualify for a discount. Opt for a higher deductible. Most insurance companies offer lower premiums to drivers who select a higher deductible. Having the cash on hand to cover a higher deductible is a good way to save. Frequently asked questions Which gender pays more for car insurance? Men generally pay more for car insurance than women, especially in their teens and early twenties. This is because young male drivers tend to take more risks behind the wheel and have higher accident rates. The gap starts to narrow in a driver’s mid-20s and becomes nearly nonexistent by age 35. Do car insurance companies always consider gender? In some states, yes. A handful of states — like California, Massachusetts, Michigan, and others — prohibit car insurance companies from using gender to calculate rates. In these states, premiums are based on other factors like age, driving history, location, and vehicle type. However, in most states, gender is still a factor insurers can legally consider when setting your rate. Which age group pays the most for car insurance? Teen drivers pay more for car insurance than any age group. Sixteen-year-olds face the steepest premiums due to their inexperience behind the wheel and because they are more likely to be involved in crashes. Rates gradually decline as drivers gain more experience, with the most significant drops occurring in the early-to-mid 20s Is women’s car insurance cheaper than men’s? Yes, on average, women tend to pay slightly less than men for car insurance, particularly when they’re younger. However, the difference in rates shrinks with age and may disappear entirely by the time drivers reach their mid-30s or 40s, depending on the state and insurer. Sources: Insurance Information Institute “What determines the price of an auto insurance policy?” Accessed May 2025. LGBT Map. “Identity document laws and policies.” Accessed May 2025. Looking to simplify insurance cost estimation? Try our calculators: Car insurance calculator for teens Car insurance calculator for young adults Car insurance calculator for adults Car insurance calculator for seniors Sarah SharkeyContributing Researcher | . .Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance rates by ageCompare car insurance rates by ageCar insurance rates by genderHow car insurance companies use gender in each stateCar insurance rates by gender and companyHow to get lower car insurance ratesFrequently asked questions ZIP Code Please enter valid ZIP See rates (844)-645-3330