Average Auto Insurance Rates by Age and Gender
The average auto insurance rates by age and gender are between $187 and $752 per month. When you want to buy car insurance, age is the most significant factor between age and gender because age holds a correlation between driving experience. The method to cheap auto insurance by age and gender is to compare multiple companies and shop around.
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UPDATED: Feb 8, 2021
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- Age and gender are significant factors that determine auto insurance rates.
- Young drivers pay more for auto insurance per month.
- Seven states have outlawed auto insurance companies from issuing auto insurance based on gender.
This guide will show you the average auto insurance rates by age and gender and how you can save money through car insurance discounts. Auto insurance companies use age and gender to determine the driver’s risk and issue rates based on each.
As you continue to read, you’ll learn which age group and gender pay more for car insurance quotes.
If you want to compare average auto insurance rates by age and gender in your area, enter your ZIP code in the FREE comparison tool below.
What are the average auto insurance rates by age and gender?
You could pay between $187 to $752 per month for car insurance. Let’s look at an example of how much auto insurance costs by age, gender, and marital status.
|Age, Gender, and Marital Status||Average Monthly Auto Insurance Rates|
|Married 35-year-old female||$204|
|Married 35-year-old male||$204|
|Married 60-year-old female||$187|
|Married 60-year-old male||$192|
|Single 17-year-old female||$630|
|Single 17-year-old male||$752|
|Single 25-year-old female||$225|
|Single 25-year-old male||$241|
Young drivers tend to have more expensive rates, but senior drivers are likely to carry cheap auto insurance rates. However, the average auto insurance by age and gender varies by state and company.
Average Monthly Auto Insurance by Age Group
Your age can reveal your driving experience to car insurance companies. Check out the data below to see the average auto insurance cost for each group.
|Drivers' Ages||Average Monthly Liability-Only Coverage||Average Monthly 50/100/50 Liability-Only Coverage||Average Monthly 100/300/100 Liability-Only Coverage|
Teen driver auto insurance is much more expensive than senior driver auto insurance. Auto insurance for seniors is lower because they take fewer risks and drive less than the average person.
What about gender? Continue reading to learn about auto insurance by gender.
Average Monthly Auto Insurance by Gender
According to the Insurance Institute for Highway Safety, males are more likely to be involved in a fatal accident.
Why is this fact important? Auto insurance providers take the facts into account and issue rates based on risk.
Therefore, male drivers are likely to pay more for car insurance than female drivers.
We searched for general car insurance quotes, but we only found gender-based car insurance from GEICO. Let’s look at gender-based car insurance by state.
|States||Average Monthly GEICO Female Auto Insurance Rates||Average Monthly GEICO Male Auto Insurance Rates|
|District of Columbia||$106||$95|
You may have noticed that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are not among the monthly rates. We skipped these seven states are because they have outlawed gender-based auto insurance.
For the states with gender-based car insurance rates, you see the trend of male drivers paying more for car insurance.
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How Age and Gender Affect Auto Insurance Rates from the Best Companies
We’ve seen the average cost of auto insurance by age and gender in general, but what about the best auto insurance companies?
Each company carries a unique cost. Some companies offer cheaper than average auto insurance for teen drivers, while other companies provide affordable auto insurance for veterans.
Here’s a summary of average auto insurance company rates by age and gender. We’ve also included marital status.
|Age, Gender, and Marital Status Summary||Allstate Monthly Auto Insurance Rates||American Family Monthly Auto Insurance Rates||Farmers Monthly Auto Insurance Rates||GEICO Monthly Auto Insurance Rates||Liberty Mutual Monthly Auto Insurance Rates||Nationwide Monthly Auto Insurance Rates||Progressive Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates||Travelers Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Married 35-year-old female||$263||$184||$213||$192||$317||$197||$191||$173||$182||$129|
|Married 35-year-old male||$260||$185||$213||$193||$321||$199||$181||$173||$183||$128|
|Married 60-year-old female||$243||$166||$195||$187||$287||$178||$166||$156||$171||$121|
|Married 60-year-old male||$249||$168||$204||$190||$307||$185||$171||$156||$173||$121|
|Single 17-year-old female||$774||$500||$710||$471||$968||$480||$724||$496||$776||$401|
|Single 17-year-old male||$887||$678||$762||$523||$1,143||$598||$802||$610||$1,071||$449|
|Single 25-year-old female||$285||$191||$246||$198||$330||$224||$225||$195||$194||$166|
|Single 25-year-old male||$298||$225||$253||$189||$375||$241||$230||$213||$208||$177|
USAA is the cheapest company in the data. However, USAA is only available to veterans (active and retired) and their immediate families. The next most affordable auto insurance option is GEICO and State Farm.
Comparing Other Factors to Age and Gender
When you attempt to buy auto insurance, you’ll run into several questions that contribute to your auto insurance policy’s overall cost.
Read on to see how age and gender compare to driving record, credit history, coverage level, commute mileage, deductible, and location.
Your driving record is one of the essentials to car insurance rates. New, inexperienced drivers will face the same high prices as teen drivers even with a clean driving record.
According to auto insurance companies, there’s a correlation between your credit score and risk.
Experian reports that drivers with good and excellent credit scores present less risk for car insurance providers.
Teens are known for not having credit, so naturally, their rates will be more expensive.
However, adults with fair and poor credit are at risk for higher than average car insurance rates.
When car insurance companies ask what coverage level you want, they’re talking about the maximum amount they will pay if you’re at-fault in an accident.
The higher the coverage amount, the more you’ll pay for auto insurance.
As you get older, car insurance quotes will decrease, but coverage-level-based rates won’t decrease.
Like age and gender, commute mileage changes each policy period. Commute mileage is the number of miles you’ll travel during the policy.
If you have a long commute to work, expect to pay more for auto insurance. Short commutes and vehicles you only drive on the weekend will produce lower prices.
When policyholders get older, their rates will decrease. If you combine commute mileage, age, and gender with other factors, you may qualify for cheaper rates.
Your deductible doesn’t change with time. Although some companies will allow you to deposit money into a deductible account, it doesn’t carry the same gradual decrease as age and gender.
You saw how each state has a different car insurance average. The cost of living varies by state.
As time goes on, some of the areas in the United States face changes in statistics, which affects car insurance rates per year, just like age.
Average Auto Insurance Rates by Age and Gender: The Bottom Line
Ultimately, your auto insurance rates will be more expensive if you’re a teen driver or a new driver.
Married drivers pay much less for auto insurance rates, while single drivers will face costly auto insurance quotes.
But there’s hope. Under the right car insurance company, you can get cheap car insurance rates.
First, you’ll need to compare the average auto insurance quotes by age and gender by entering your ZIP code in the FREE online quote tool below.