Updated NAIC 2023 data
Car Insurance Cost by Age and State 2026: Full Matrix
Costs in dollars per month. Click any state name to open its full page. The state anchor is measured: Source: 2022/2023 Auto Insurance Database Report (2023 data year), annual figures divided by 12. The age adjustment is modelled, not measured, and is normalised so that a 45-year-old lands on the published state average.
| State | Age 16 | Age 17 | Age 18 | Age 19 | Age 25 | Age 35 | Age 45 | Age 65 |
|---|---|---|---|---|---|---|---|---|
| Alabama | $414 | $378 | $329 | $280 | $122 | $104 | $106 | $116 |
| Alaska | $410 | $374 | $326 | $278 | $121 | $103 | $105 | $115 |
| Arizona | $489 | $445 | $388 | $330 | $144 | $122 | $125 | $136 |
| Arkansas | $422 | $385 | $335 | $286 | $124 | $106 | $108 | $118 |
| California | $461 | $420 | $366 | $312 | $136 | $115 | $118 | $129 |
| Colorado | $539 | $492 | $428 | $365 | $159 | $135 | $138 | $151 |
| Connecticut | $492 | $449 | $391 | $333 | $145 | $123 | $126 | $138 |
| Delaware | $512 | $467 | $407 | $346 | $151 | $128 | $131 | $143 |
| Florida | $649 | $591 | $515 | $439 | $191 | $162 | $166 | $181 |
| Georgia | $571 | $520 | $453 | $386 | $168 | $143 | $146 | $159 |
| Hawaii | $324 | $296 | $258 | $219 | $95 | $81 | $83 | $91 |
| Idaho | $320 | $292 | $254 | $217 | $94 | $80 | $82 | $90 |
| Illinois | $410 | $374 | $326 | $278 | $121 | $103 | $105 | $115 |
| Indiana | $336 | $306 | $267 | $227 | $99 | $84 | $86 | $94 |
| Iowa | $328 | $299 | $261 | $222 | $97 | $82 | $84 | $92 |
| Kansas | $383 | $349 | $304 | $259 | $113 | $96 | $98 | $107 |
| Kentucky | $395 | $360 | $313 | $267 | $116 | $99 | $101 | $110 |
| Louisiana | $645 | $588 | $512 | $436 | $190 | $161 | $165 | $180 |
| Maine | $301 | $274 | $239 | $204 | $89 | $75 | $77 | $84 |
| Maryland | $520 | $474 | $413 | $352 | $153 | $130 | $133 | $145 |
| Massachusetts | $461 | $420 | $366 | $312 | $136 | $115 | $118 | $129 |
| Michigan | $512 | $467 | $407 | $346 | $151 | $128 | $131 | $143 |
| Minnesota | $399 | $363 | $317 | $270 | $117 | $100 | $102 | $111 |
| Mississippi | $453 | $413 | $360 | $307 | $133 | $113 | $116 | $127 |
| Missouri | $430 | $392 | $341 | $291 | $126 | $107 | $110 | $120 |
| Montana | $387 | $353 | $307 | $262 | $114 | $97 | $99 | $108 |
| Nebraska | $387 | $353 | $307 | $262 | $114 | $97 | $99 | $108 |
| Nevada | $520 | $474 | $413 | $352 | $153 | $130 | $133 | $145 |
| New Hampshire | $336 | $306 | $267 | $227 | $99 | $84 | $86 | $94 |
| New Jersey | $551 | $502 | $438 | $373 | $162 | $138 | $141 | $154 |
| New Mexico | $422 | $385 | $335 | $286 | $124 | $106 | $108 | $118 |
| New York | $617 | $563 | $490 | $418 | $182 | $154 | $158 | $173 |
| North Carolina | $356 | $324 | $282 | $241 | $105 | $89 | $91 | $99 |
| North Dakota | $313 | $285 | $248 | $211 | $92 | $78 | $80 | $87 |
| Ohio | $336 | $306 | $267 | $227 | $99 | $84 | $86 | $94 |
| Oklahoma | $430 | $392 | $341 | $291 | $126 | $107 | $110 | $120 |
| Oregon | $414 | $378 | $329 | $280 | $122 | $104 | $106 | $116 |
| Pennsylvania | $414 | $378 | $329 | $280 | $122 | $104 | $106 | $116 |
| Rhode Island | $555 | $506 | $441 | $375 | $163 | $139 | $142 | $155 |
| South Carolina | $492 | $449 | $391 | $333 | $145 | $123 | $126 | $138 |
| South Dakota | $375 | $342 | $298 | $254 | $110 | $94 | $96 | $105 |
| Tennessee | $395 | $360 | $313 | $267 | $116 | $99 | $101 | $110 |
| Texas | $563 | $513 | $447 | $381 | $166 | $141 | $144 | $157 |
| Utah | $418 | $381 | $332 | $283 | $123 | $105 | $107 | $117 |
| Vermont | $313 | $285 | $248 | $211 | $92 | $78 | $80 | $87 |
| Virginia | $403 | $367 | $320 | $272 | $118 | $101 | $103 | $112 |
| Washington | $403 | $367 | $320 | $272 | $118 | $101 | $103 | $112 |
| Washington D.C. | $594 | $542 | $472 | $402 | $175 | $149 | $152 | $166 |
| West Virginia | $399 | $363 | $317 | $270 | $117 | $100 | $102 | $111 |
| Wisconsin | $324 | $296 | $258 | $219 | $95 | $81 | $83 | $91 |
| Wyoming | $383 | $349 | $304 | $259 | $113 | $96 | $98 | $107 |
Over $350/mo Under $120/moFull coverage, sedan, 2026. Click state for full page.
Age vs State Matrix FAQs
At what age does car insurance go down significantly?⌄
The two most significant drop-off points are at age 19-20 (end of the teen tier) and age 25 (the major experienced-driver step-down). At 25, most carriers move drivers from the under-25 surcharge tier into the standard adult tier -- a typical 14% reduction at the same carrier. For new drivers, there is an additional 3-year inexperienced-driver surcharge that unwinds from month 1 to month 36 of licensed driving, separate from the age-based step-down at 25.
Why do some states have such different car insurance rates?⌄
Five factors drive state-level price differences: (1) population density and urbanisation -- denser areas have more accidents per mile; (2) litigation environment -- states with more plaintiff-friendly tort law have higher claim payouts; (3) uninsured driver rate -- states with 20%+ uninsured drivers spread UM/UIM costs to insured drivers; (4) severe weather -- hurricane (FL), hail (CO, TX), flooding (LA), wildfire (CA) drive up comprehensive claims; (5) fraud and fraud-detection effort -- Louisiana and Florida have historically high PIP fraud rates that inflate every policyholder's rate.
Does car insurance go up at age 65?⌄
Modestly, yes. The 65+ age band sees a small uptick -- about 0.95x the 35-year-old baseline nationally on average, compared to the 35yo's 0.85x. The increase reflects marginally higher accident frequency in the 65+ cohort versus the 35-55 cohort. The bigger increase typically starts at 70-75, where some carriers apply a formal senior surcharge. Many states offer a mature-driver discount (often 5-10%) for completing an AARP or other certified senior defensive driving course, which can offset the age uptick.
How much of the spread is state and how much is age?⌄
State alone moves the measured average by about 2.2x: a policy with all three coverages averages $77 a month in Maine against $166 in Florida, on the 2022/2023 Auto Insurance Database Report. The age spread in the matrix is larger again, but it is modelled rather than measured: the NAIC does not publish premiums by age, so those columns are an illustration of the shape of the curve, anchored on the measured state average.