Car Insurance for 45-Year-Olds: Average Rates by State (2026)
Quick Answer
A 45-year-old driver pays an average of $179/month ($2,152/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 45-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,099/yr | $92/mo | $324/yr | Details |
| Vermont | $1,133/yr | $94/mo | $340/yr | Details |
| New Hampshire | $1,166/yr | $97/mo | $346/yr | Details |
| Idaho | $1,205/yr | $100/mo | $352/yr | Details |
| Ohio | $1,261/yr | $105/mo | $368/yr | Details |
| North Carolina | $1,328/yr | $111/mo | $435/yr | Details |
| Iowa | $1,373/yr | $114/mo | $368/yr | Details |
| Wisconsin | $1,389/yr | $116/mo | $391/yr | Details |
| Wyoming | $1,434/yr | $120/mo | $391/yr | Details |
| North Dakota | $1,440/yr | $120/mo | $391/yr | Details |
| Indiana | $1,484/yr | $124/mo | $430/yr | Details |
| Hawaii | $1,495/yr | $125/mo | $435/yr | Details |
| South Dakota | $1,495/yr | $125/mo | $402/yr | Details |
| Montana | $1,535/yr | $128/mo | $407/yr | Details |
| Virginia | $1,546/yr | $129/mo | $458/yr | Details |
| Nebraska | $1,596/yr | $133/mo | $430/yr | Details |
| Oregon | $1,624/yr | $135/mo | $469/yr | Details |
| Washington | $1,641/yr | $137/mo | $485/yr | Details |
| West Virginia | $1,646/yr | $137/mo | $469/yr | Details |
| Alaska | $1,657/yr | $138/mo | $424/yr | Details |
| Pennsylvania | $1,696/yr | $141/mo | $402/yr | Details |
| Tennessee | $1,696/yr | $141/mo | $497/yr | Details |
| Utah | $1,707/yr | $142/mo | $491/yr | Details |
| New Mexico | $1,724/yr | $144/mo | $474/yr | Details |
| Illinois | $1,735/yr | $145/mo | $580/yr | Details |
| Minnesota | $1,747/yr | $146/mo | $525/yr | Details |
| Alabama | $1,761/yr | $147/mo | $547/yr | Details |
| Arkansas | $1,808/yr | $151/mo | $519/yr | Details |
| Missouri | $1,841/yr | $153/mo | $530/yr | Details |
| Mississippi | $1,847/yr | $154/mo | $552/yr | Details |
| Massachusetts | $1,875/yr | $156/mo | $614/yr | Details |
| South Carolina | $1,875/yr | $156/mo | $569/yr | Details |
| Maryland | $1,947/yr | $162/mo | $619/yr | Details |
| Kansas | $1,959/yr | $163/mo | $552/yr | Details |
| Arizona | $1,998/yr | $167/mo | $591/yr | Details |
| Colorado | $2,020/yr | $168/mo | $564/yr | Details |
| Delaware | $2,031/yr | $169/mo | $703/yr | Details |
| Oklahoma | $2,070/yr | $173/mo | $597/yr | Details |
| Rhode Island | $2,159/yr | $180/mo | $686/yr | Details |
| California | $2,247/yr | $187/mo | $530/yr | Details |
| Texas | $2,254/yr | $188/mo | $586/yr | Details |
| Georgia | $2,310/yr | $193/mo | $709/yr | Details |
| Connecticut | $2,316/yr | $193/mo | $804/yr | Details |
| Kentucky | $2,332/yr | $194/mo | $714/yr | Details |
| Nevada | $2,383/yr | $199/mo | $725/yr | Details |
| Michigan | $2,723/yr | $227/mo | $893/yr | Details |
| New Jersey | $2,812/yr | $234/mo | $870/yr | Details |
| Louisiana | $3,448/yr | $287/mo | $999/yr | Details |
| New York | $3,571/yr | $298/mo | $1,328/yr | Details |
| Florida | $3,669/yr | $306/mo | $1,038/yr | Details |