Car Insurance for 24-Year-Olds: Average Rates by State (2026)
Quick Answer
A 24-year-old driver pays an average of $266/month ($3,193/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 24-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,631/yr | $136/mo | $480/yr | Details → |
| Vermont | $1,681/yr | $140/mo | $505/yr | Details → |
| New Hampshire | $1,731/yr | $144/mo | $513/yr | Details → |
| Idaho | $1,788/yr | $149/mo | $522/yr | Details → |
| Ohio | $1,871/yr | $156/mo | $546/yr | Details → |
| North Carolina | $1,971/yr | $164/mo | $646/yr | Details → |
| Iowa | $2,037/yr | $170/mo | $546/yr | Details → |
| Wisconsin | $2,062/yr | $172/mo | $580/yr | Details → |
| Wyoming | $2,128/yr | $177/mo | $580/yr | Details → |
| North Dakota | $2,136/yr | $178/mo | $580/yr | Details → |
| Indiana | $2,202/yr | $184/mo | $638/yr | Details → |
| Hawaii | $2,219/yr | $185/mo | $646/yr | Details → |
| South Dakota | $2,219/yr | $185/mo | $596/yr | Details → |
| Montana | $2,277/yr | $190/mo | $604/yr | Details → |
| Virginia | $2,294/yr | $191/mo | $679/yr | Details → |
| Nebraska | $2,368/yr | $197/mo | $638/yr | Details → |
| Oregon | $2,409/yr | $201/mo | $696/yr | Details → |
| Washington | $2,434/yr | $203/mo | $720/yr | Details → |
| West Virginia | $2,443/yr | $204/mo | $696/yr | Details → |
| Alaska | $2,459/yr | $205/mo | $629/yr | Details → |
| Pennsylvania | $2,517/yr | $210/mo | $596/yr | Details → |
| Tennessee | $2,517/yr | $210/mo | $737/yr | Details → |
| Utah | $2,534/yr | $211/mo | $729/yr | Details → |
| New Mexico | $2,559/yr | $213/mo | $704/yr | Details → |
| Illinois | $2,575/yr | $215/mo | $861/yr | Details → |
| Minnesota | $2,592/yr | $216/mo | $778/yr | Details → |
| Alabama | $2,614/yr | $218/mo | $811/yr | Details → |
| Arkansas | $2,683/yr | $224/mo | $770/yr | Details → |
| Missouri | $2,732/yr | $228/mo | $787/yr | Details → |
| Mississippi | $2,741/yr | $228/mo | $820/yr | Details → |
| Massachusetts | $2,782/yr | $232/mo | $911/yr | Details → |
| South Carolina | $2,782/yr | $232/mo | $845/yr | Details → |
| Maryland | $2,890/yr | $241/mo | $919/yr | Details → |
| Kansas | $2,906/yr | $242/mo | $820/yr | Details → |
| Arizona | $2,964/yr | $247/mo | $878/yr | Details → |
| Colorado | $2,997/yr | $250/mo | $836/yr | Details → |
| Delaware | $3,014/yr | $251/mo | $1,043/yr | Details → |
| Oklahoma | $3,072/yr | $256/mo | $886/yr | Details → |
| Rhode Island | $3,204/yr | $267/mo | $1,018/yr | Details → |
| California | $3,334/yr | $278/mo | $787/yr | Details → |
| Texas | $3,345/yr | $279/mo | $869/yr | Details → |
| Georgia | $3,428/yr | $286/mo | $1,052/yr | Details → |
| Connecticut | $3,436/yr | $286/mo | $1,192/yr | Details → |
| Kentucky | $3,461/yr | $288/mo | $1,060/yr | Details → |
| Nevada | $3,536/yr | $295/mo | $1,076/yr | Details → |
| Michigan | $4,041/yr | $337/mo | $1,325/yr | Details → |
| New Jersey | $4,173/yr | $348/mo | $1,292/yr | Details → |
| Louisiana | $5,117/yr | $426/mo | $1,482/yr | Details → |
| New York | $5,299/yr | $442/mo | $1,971/yr | Details → |
| Florida | $5,444/yr | $454/mo | $1,540/yr | Details → |