You can be sure, that age of a driver is one of the main factors that insurance companies consider when calculate car insurance rates. How your age affects car insurance costs. Why do young (teens and students) and old (senior) drivers pay more for car insurance? There are ways to trim costs on car insurance for 16, 17, 18, 19, 20, 24 - 85 year old drivers. Adding a teen to parents’ policy is usually more affordable and the right way to lower your rates! Generaly, car insurance for people under 25 years of age is typically very high.
How to save money as a young driver?
You may be able - as a teen driver - to save some money on your premium just by having some modern safety features in your vehicle, such as: Driver-side and passenger-side airbags, Automatic seat belts, Anti-Lock Brakes (ABS), A blind-spot detection systems and A lane-departure warning systems. By choosing the right insurer, you can save up to 40% when you compare car insurance rates near you. Teens are considered to be at high risk for filing a claim. That is the main reason, why do 16 year olds pay more for car insurance!
| Driver's Age | Male Driver | Female Driver | Average |
| 16 | $6,222 | $4,621 | $5,422 |
| 17 | $5,482 | $4,478 | $4,980 |
| 18 | $4,711 | $4,045 | $4,378 |
| 19 | $3,591 | $3,070 | $3,330 |
| 20 | $3,287 | $2,819 | $3,053 |
| 21 | $2,614 | $2,276 | $2,446 |
| 25 | $1,744 | $1,750 | $1,747 |
| 30 | $1,522 | $1,554 | $1,538 |
| 35 | $1,502 | $1,550 | $1,526 |
| 40 | $1,462 | $1,518 | $1,490 |
| 45 | $1,433 | $1,473 | $1,453 |
| 55 | $1,343 | $1,362 | $1,352 |
| 65 | $1,382 | $1,398 | $1,390 |
| 75 | $1,628 | $1,630 | $1,630 |
| 85 | $1,980 | $1,886 | $1,933 |
Car insurance for a 16-year-old female - by state
|
State |
Teen policy rate | Parents' policy | Parents' policy with teen added |
| Alabama | $4,627 | $1,168 | $2,954 |
| Alaska | $3,810 | $1,140 | $2,878 |
| Arizona | $4,188 | $0,969 | $2,548 |
| Arkansas | $4,667 | $1,226 | $2,766 |
| California | $5,293 | $1,403 | $4,006 |
| Colorado | $4,924 | $1,051 | $2,381 |
| Connecticut | $9,601 | $1,533 | $4,227 |
| Delaware | $7,954 | $1,476 | $3,599 |
| District of Columbia | $6,788 | $1,563 | $2,962 |
| Florida | $5,270 | $1,404 | $3,195 |
| Georgia | $4,173 | $1,162 | $2,783 |
| Hawaii | $1,318 | $1,060 | $1,076 |
| Idaho | $3,386 | $789,120 | $2,208 |
| Illinois | $4,186 | $950,400 | $2,601 |
| Indiana | $4,979 | $912,000 | $2,113 |
| Iowa | $3,447 | $901,440 | $2,188 |
| Kansas | $4,418 | $1,095 | $2,356 |
| Kentucky | $5,865 | $1,130 | $2,525 |
| Louisiana | $7,300 | $1,579 | $4,364 |
| Maine | $3,402 | $727,680 | $1,679 |
| Maryland | $4,139 | $1,210 | $2,871 |
| Massachusetts | $4,613 | $1,410 | $3,099 |
| Michigan | $10,200 | $2,205 | $4,965 |
| Minnesota | $4,437 | $1,219 | $2,313 |
| Mississippi | $4,913 | $1,169 | $2,630 |
| Missouri | $3,876 | $0,997 | $2,014 |
| Montana | $5,141 | $1,268 | $2,818 |
| Nebraska | $3,554 | $0,994 | $2,123 |
| Nevada | $5,285 | $1,068 | $2,364 |
| New Hampshire | $3,419 | $830,400 | $2,066 |
| New Jersey | $6,171 | $1,294 | $3,656 |
| New Mexico | $4,561 | $1,080 | $2,207 |
| New York | $4,313 | $1,283 | $2,822 |
| North Carolina | $2,830 | $802,560 | $2,312 |
| North Dakota | $4,298 | $1,310 | $2,214 |
| Ohio | $3,874 | $732,480 | $1,562 |
| Oklahoma | $6,074 | $1,349 | $2,663 |
| Oregon | $6,017 | $1,066 | $2,325 |
| Pennsylvania | $4,386 | $1,202 | $2,924 |
| Rhode Island | $5,979 | $2,032 | $4,467 |
| South Carolina | $4,401 | $1,013 | $2,338 |
| South Dakota | $4,226 | $1,037 | $1,975 |
| Tennessee | $5,563 | $1,206 | $2,534 |
| Texas | $5,223 | $1,359 | $3,059 |
| Utah | $4,524 | $897,600 | $1,914 |
| Vermont | $3,158 | $864,000 | $1,951 |
| Virginia | $3,536 | $815,040 | $1,989 |
| Washington | $4,116 | $1,032 | $2,361 |
| West Virginia | $4,150 | $1,473 | $3,346 |
| Wisconsin | $5,277 | $828,480 | $1,912 |
| Wyoming | $3,968 | $1,188 | $2,760 |
- Raymond G. Farmer, Director NAIC Secretary-Treasurer
- (Southeast Zone)
- South Carolina Department of Insurance
- PO Box 100105
- Columbia, South Carolina 29202-3105
- Phone: 803.737.6160
- Fax: 803.737.6205
- Street Address:
- 1201 Main Street, Suite 1000
- Columbia, South Carolina 29201
Department of Insurance
To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners. Would you like to know if an insurance company is licensed in Florida, North Carolina, South Carolina, Colorado or any other U.S State? How much does Ford, Chrysler, Toyota, Amc car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above. Remember, your Ford, Chrysler, Toyota, Amc car insurance has to be purchased through an agent licensed in your State.
Learn more about rates and terms for your Ford, Chrysler, Toyota, Amc and find the cheapest car insurance quotes in Florida, North Carolina, South Carolina, Colorado and other U.S. states to fit your needs and family budget. Understanding car insurance average rates in Florida can help find a good, cheap car insurance policy and a great way to save some money. Would you like to pay less than 185$ for liability insurance in your state? You can lower your monthly insurance payments by 10 - 30%. How? By doing any of the following.
Ask for better quotes - online
The states with the cheapest car insurance has average rates for this vehicle around $56 dollars, and the states with the most expensive rates are around $407 a month/year. The right discount can save you hundreds of dollars off your car insurance bill. Auto insurance companies in Florida, North Carolina, South Carolina, Colorado use rating factors, to determine how much to charge you for coverage. These rating factors include: the make, model and year of your Ford, Chrysler, Toyota, Amc and similar vehicles.Myths about car insurance
How much do you pay to insure your Ford, Chrysler, Toyota, Amc? Car insurance rates among states vary widely and insurance companies need to figure out if the applicant is too risky for them to insure. Auto insurance is very expensive, probably one of the most costly part of driving. How much do you pay for your policy in Florida, North Carolina, South Carolina, Colorado? 185$? More or less?
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