Car Insurance for 50-Year-Olds: Average Rates by State (2026)
Quick Answer
A 50-year-old driver pays an average of $176/month ($2,106/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 50-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,076/yr | $90/mo | $317/yr | Details |
| Vermont | $1,108/yr | $92/mo | $333/yr | Details |
| New Hampshire | $1,141/yr | $95/mo | $339/yr | Details |
| Idaho | $1,179/yr | $98/mo | $344/yr | Details |
| Ohio | $1,234/yr | $103/mo | $360/yr | Details |
| North Carolina | $1,299/yr | $108/mo | $426/yr | Details |
| Iowa | $1,343/yr | $112/mo | $360/yr | Details |
| Wisconsin | $1,360/yr | $113/mo | $382/yr | Details |
| Wyoming | $1,403/yr | $117/mo | $382/yr | Details |
| North Dakota | $1,409/yr | $117/mo | $382/yr | Details |
| Indiana | $1,452/yr | $121/mo | $420/yr | Details |
| Hawaii | $1,463/yr | $122/mo | $426/yr | Details |
| South Dakota | $1,463/yr | $122/mo | $393/yr | Details |
| Montana | $1,502/yr | $125/mo | $399/yr | Details |
| Virginia | $1,512/yr | $126/mo | $448/yr | Details |
| Nebraska | $1,562/yr | $130/mo | $420/yr | Details |
| Oregon | $1,589/yr | $132/mo | $459/yr | Details |
| Washington | $1,605/yr | $134/mo | $475/yr | Details |
| West Virginia | $1,611/yr | $134/mo | $459/yr | Details |
| Alaska | $1,622/yr | $135/mo | $415/yr | Details |
| Pennsylvania | $1,660/yr | $138/mo | $393/yr | Details |
| Tennessee | $1,660/yr | $138/mo | $486/yr | Details |
| Utah | $1,671/yr | $139/mo | $480/yr | Details |
| New Mexico | $1,687/yr | $141/mo | $464/yr | Details |
| Illinois | $1,698/yr | $142/mo | $568/yr | Details |
| Minnesota | $1,709/yr | $142/mo | $513/yr | Details |
| Alabama | $1,724/yr | $144/mo | $535/yr | Details |
| Arkansas | $1,769/yr | $147/mo | $508/yr | Details |
| Missouri | $1,802/yr | $150/mo | $519/yr | Details |
| Mississippi | $1,807/yr | $151/mo | $541/yr | Details |
| Massachusetts | $1,835/yr | $153/mo | $601/yr | Details |
| South Carolina | $1,835/yr | $153/mo | $557/yr | Details |
| Maryland | $1,906/yr | $159/mo | $606/yr | Details |
| Kansas | $1,916/yr | $160/mo | $541/yr | Details |
| Arizona | $1,955/yr | $163/mo | $579/yr | Details |
| Colorado | $1,977/yr | $165/mo | $551/yr | Details |
| Delaware | $1,987/yr | $166/mo | $688/yr | Details |
| Oklahoma | $2,026/yr | $169/mo | $584/yr | Details |
| Rhode Island | $2,113/yr | $176/mo | $672/yr | Details |
| California | $2,199/yr | $183/mo | $519/yr | Details |
| Texas | $2,206/yr | $184/mo | $573/yr | Details |
| Georgia | $2,260/yr | $188/mo | $693/yr | Details |
| Connecticut | $2,266/yr | $189/mo | $786/yr | Details |
| Kentucky | $2,282/yr | $190/mo | $699/yr | Details |
| Nevada | $2,331/yr | $194/mo | $710/yr | Details |
| Michigan | $2,664/yr | $222/mo | $874/yr | Details |
| New Jersey | $2,752/yr | $229/mo | $852/yr | Details |
| Louisiana | $3,374/yr | $281/mo | $977/yr | Details |
| New York | $3,494/yr | $291/mo | $1,299/yr | Details |
| Florida | $3,590/yr | $299/mo | $1,016/yr | Details |