Average car insurance cost by age (2026)
Car insurance is most expensive for teen drivers — often 3–4× the average — then drops steadily through the 20s and is lowest in middle age, ticking up again for seniors. This table shows the 2026 average full-coverage premium by age, based on a national average of $1,484/year for a standard driver.
| Age group | Avg. full coverage / yr | Per month |
|---|---|---|
| 16–19 (teen) | $5,046 | $420.50 |
| 20–24 | $1,707 | $142.25 |
| 25–29 | $1,707 | $142.25 |
| 30–39 | $1,558 | $129.83 |
| 40–49 | $1,484 | $123.67 |
| 50–59 | $1,410 | $117.50 |
| 60–69 | $1,365 | $113.75 |
| 70+ | $1,558 | $129.83 |
Updated June 13, 2026. Estimate your own cost by state and age →
See also average car insurance cost by state and our guide to lowering your car insurance.
How this estimate is calculated
Figures apply published age rating factors (teens ~3.4×, 20s ~1.5×, 40s baseline, seniors ~0.9–1.05×) to a national-average full-coverage premium of $1,484/year for a standard driver. Your own rate depends on your state, vehicle, record, credit and discounts — use the calculator for a personalized estimate.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- MoneyGeek — Car Insurance Rates by State: Average Cost in 2026 (2026)
- MoneyGeek — Average Car Insurance Rates by Age and Gender (2026) (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.