Car Insurance for 40-Year-Olds: Average Rates by State (2026)
Quick Answer
A 40-year-old driver pays an average of $181/month ($2,175/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 40-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,111/yr | $93/mo | $327/yr | Details → |
| Vermont | $1,145/yr | $95/mo | $344/yr | Details → |
| New Hampshire | $1,179/yr | $98/mo | $350/yr | Details → |
| Idaho | $1,218/yr | $102/mo | $355/yr | Details → |
| Ohio | $1,275/yr | $106/mo | $372/yr | Details → |
| North Carolina | $1,342/yr | $112/mo | $440/yr | Details → |
| Iowa | $1,387/yr | $116/mo | $372/yr | Details → |
| Wisconsin | $1,404/yr | $117/mo | $395/yr | Details → |
| Wyoming | $1,449/yr | $121/mo | $395/yr | Details → |
| North Dakota | $1,455/yr | $121/mo | $395/yr | Details → |
| Indiana | $1,500/yr | $125/mo | $434/yr | Details → |
| Hawaii | $1,512/yr | $126/mo | $440/yr | Details → |
| South Dakota | $1,512/yr | $126/mo | $406/yr | Details → |
| Montana | $1,551/yr | $129/mo | $412/yr | Details → |
| Virginia | $1,562/yr | $130/mo | $462/yr | Details → |
| Nebraska | $1,613/yr | $134/mo | $434/yr | Details → |
| Oregon | $1,641/yr | $137/mo | $474/yr | Details → |
| Washington | $1,658/yr | $138/mo | $491/yr | Details → |
| West Virginia | $1,664/yr | $139/mo | $474/yr | Details → |
| Alaska | $1,675/yr | $140/mo | $429/yr | Details → |
| Pennsylvania | $1,715/yr | $143/mo | $406/yr | Details → |
| Tennessee | $1,715/yr | $143/mo | $502/yr | Details → |
| Utah | $1,726/yr | $144/mo | $496/yr | Details → |
| New Mexico | $1,743/yr | $145/mo | $479/yr | Details → |
| Illinois | $1,754/yr | $146/mo | $587/yr | Details → |
| Minnesota | $1,765/yr | $147/mo | $530/yr | Details → |
| Alabama | $1,780/yr | $148/mo | $553/yr | Details → |
| Arkansas | $1,827/yr | $152/mo | $525/yr | Details → |
| Missouri | $1,861/yr | $155/mo | $536/yr | Details → |
| Mississippi | $1,867/yr | $156/mo | $558/yr | Details → |
| Massachusetts | $1,895/yr | $158/mo | $620/yr | Details → |
| South Carolina | $1,895/yr | $158/mo | $575/yr | Details → |
| Maryland | $1,968/yr | $164/mo | $626/yr | Details → |
| Kansas | $1,980/yr | $165/mo | $558/yr | Details → |
| Arizona | $2,019/yr | $168/mo | $598/yr | Details → |
| Colorado | $2,042/yr | $170/mo | $570/yr | Details → |
| Delaware | $2,053/yr | $171/mo | $711/yr | Details → |
| Oklahoma | $2,092/yr | $174/mo | $603/yr | Details → |
| Rhode Island | $2,183/yr | $182/mo | $694/yr | Details → |
| California | $2,271/yr | $189/mo | $536/yr | Details → |
| Texas | $2,279/yr | $190/mo | $592/yr | Details → |
| Georgia | $2,335/yr | $195/mo | $716/yr | Details → |
| Connecticut | $2,341/yr | $195/mo | $812/yr | Details → |
| Kentucky | $2,358/yr | $197/mo | $722/yr | Details → |
| Nevada | $2,408/yr | $201/mo | $733/yr | Details → |
| Michigan | $2,752/yr | $229/mo | $902/yr | Details → |
| New Jersey | $2,843/yr | $237/mo | $880/yr | Details → |
| Louisiana | $3,486/yr | $291/mo | $1,010/yr | Details → |
| New York | $3,610/yr | $301/mo | $1,342/yr | Details → |
| Florida | $3,708/yr | $309/mo | $1,049/yr | Details → |