How Age and Gender Impact Your Car Insurance Rates

Your car insurance rates aren’t fixed — they fluctuate based on personal factors. Two of the most significant are your age and gender. Understanding their impact can help you make smarter choices and reduce your premiums.

Age: The Strongest Influence on Rates

Your age greatly affects what you pay for coverage because insurance companies look at risk.

• Teen Drivers (16–19) pay the most. Their premiums average over $3,600 per year due to a higher likelihood of accidents.

• Young Adults (20–29) see a decrease in rates as they gain experience.

• Drivers Aged 30–59 enjoy the lowest rates. Middle-aged drivers tend to be safer and file fewer claims.

• Seniors (60+) can see rates rise again as reaction times slow and accident risk grows.

Gender: A Smaller, Yet Meaningful Factor

Gender also plays a role, especially at younger ages.

• Young men typically pay higher premiums than young women due to riskier driving behaviors.

• By their 30s and beyond, rate differences between men and women shrink to nearly 1% or less.

• Senior men may see rates increase again compared to senior women.

That said, not all places allow gender-based pricing. Some states — including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania — prohibit insurers from using gender as a rating factor.

Other Influential Factors

Your age and gender matter, but other variables can impact your premium just as much — or more:
✅ Driving record
✅ Vehicle type
✅ Coverage level
✅ Deductible amount
✅ Location and local rates
✅ Usage and mileage

How to Get the Best Price

You can take control of your rates — even if you can’t change your age or gender:

• Maintain a clean driving record.

• Increase your deductible.

• Bundle auto with home or renters insurance.

• Shop around and compare quotes regularly.

• Ask about discounts (good student, safe driver, low mileage).

Ready to Save on Coverage?

Your age and gender are part of the picture, but they don’t have to cost you a fortune. Our team searches nearly 100 top carriers to find the best rates tailored to you.

Start now and see your options instantly. Get your personalized quote today. It’s fast, secure, and tailored to you.