Compare Car Insurance by Age and Gender

While in almost every age group, women pay less than male drivers for car insurance, everyone pays cheaper car insurance rates in the long run as they gain driving experience and unlock more discounts.

You’re likely spending some portion of your budget on an auto insurance policy, no matter your age. If it’s been a while since you’ve renewed your car insurance, use Insurify to easily compare auto insurance quotes and find the best policy for your needs.

How much does car insurance cost for different age and gender groups?

Here’s a smattering of average monthly insurance premiums broken down by male and female drivers across all ages. You’ll see that there’s quite a bit of variation between genders and age groups, with young drivers shouldering the highest auto insurance rates.

Average Car Insurance Rates by Age and Gender

Young drivers under 25 years old pay the highest insurance premiums. As drivers age, they generally see their premiums decline so long as they can maintain a clean driving record. Drivers over 65 years old tend to see their average rates creep back up again, especially older male drivers. In general, women pay slightly lower rates than men.

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How Age Affects Your Car Insurance Rates

Because a high rate of fatal crashes involves teen drivers, insurance companies tend to charge them much higher rates than older drivers. Sky-high rates may still haunt your 20s, but from your 30 onward, it’s mostly smooth sailing as you gain driving experience and avoid car accidents and DUIs.

How Gender Affects Your Car Insurance Rates

According to the data, insurance companies are more favorable to women when setting auto insurance rates. By middle age, the cost gap between men and women narrows, but as male drivers age into their 70s and 80s, insurance companies charge them significantly more than older female drivers.

Car Insurance Rates by Age Group

In your teens and early 20s, as well as your senior years, car insurance companies pay particularly close attention to your age when setting your car insurance premiums. Take a look at our breakdown to see the average monthly cost of car insurance for certain age groups at a few insurance companies.

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Car Insurance Rates for Teenagers

Most teen drivers don’t have good credit, haven’t built safe driving habits yet, and are more likely to get in a fatal crash. Insurance companies adjust car insurance premiums accordingly, leading to higher rates.

Car Insurance Rates for 20-Year-Olds

20-year-old drivers are still hampered by high rates, though they can get better rates than their teenage friends.

Car Insurance Rates for 21-Year-Olds

By your 21st birthday, you’ve come a long way from your first days on the road, and with a few years of driving under your belt, your auto insurance rates will reflect that. Here are the best rates for 21-year-old drivers. If you’re a college student, you may be able to qualify for special discounts. Even international students can save.

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Car Insurance Rates for 23-Year-Olds

With a much better opportunity than teen drivers to build a healthy credit score and a solid driving record, 23-year-old drivers are just about out of the woods and pay rates that younger drivers wouldn’t think possible.

Car Insurance Rates for Drivers over 25

Drivers 25 years and older can finally start seeing truly affordable car insurance and are more likely to benefit from their marital status and/or homeowner status for discounts.

Car Insurance Rates for Senior Drivers

If you’ve made it to senior status without a DUI, a decent credit score, and a good driving history, you could qualify for very cheap car insurance premiums. Here are the best car insurance rates for senior drivers.

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Compare Auto Insurance Discounts for Different Age Groups

Insurance companies offer discounts for every stage of life, whether you are a new driver, want to prove yourself with a defensive driving course, or have homeowners or renters insurance and can bundle your policies together.

Best Discounts for Teens

16-year-old, 17-year-old, 18-year-old, and 19-year-old drivers will almost always have the highest car insurance rates. But with these discounts, high school-aged drivers can help alleviate some costs.

Best Discounts for Drivers Over 25

Getting married certainly changes your life, and it will also affect car insurance rates you pay, usually for the better. Here are some of the best discounts for drivers over 25 years old, including graduate students and recent college graduates.

Best Discounts for Senior Drivers

Since most seniors are happily installed in a permanent home and are likely to have homeowners insurance to cover their assets, it’s smart to bundle policies together and take advantage of discounts.

The Best Way to Compare and Get Cheaper Car Insurance

The insurance industry knows that life is complicated. Every year is different, and people change. Don’t let providers take you for granted by hanging around on a policy for too long. Whatever auto insurance rates you’re paying now, you could probably do better.

One of the best ways to find a better rate is to use a quote-comparison site like Insurify. We’ll help you compare car insurance rates from all the best companies, at no charge. It only takes a few minutes, and drivers who find a new quote with Insurify can save up to $996 annually.

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