Car Insurance for 55-Year-Olds: Average Rates by State (2026)
Quick Answer
A 55-year-old driver pays an average of $177/month ($2,129/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 55-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,087/yr | $91/mo | $320/yr | Details → |
| Vermont | $1,121/yr | $93/mo | $337/yr | Details → |
| New Hampshire | $1,154/yr | $96/mo | $342/yr | Details → |
| Idaho | $1,192/yr | $99/mo | $348/yr | Details → |
| Ohio | $1,248/yr | $104/mo | $364/yr | Details → |
| North Carolina | $1,314/yr | $110/mo | $431/yr | Details → |
| Iowa | $1,358/yr | $113/mo | $364/yr | Details → |
| Wisconsin | $1,374/yr | $115/mo | $386/yr | Details → |
| Wyoming | $1,419/yr | $118/mo | $386/yr | Details → |
| North Dakota | $1,424/yr | $119/mo | $386/yr | Details → |
| Indiana | $1,468/yr | $122/mo | $425/yr | Details → |
| Hawaii | $1,479/yr | $123/mo | $431/yr | Details → |
| South Dakota | $1,479/yr | $123/mo | $397/yr | Details → |
| Montana | $1,518/yr | $127/mo | $403/yr | Details → |
| Virginia | $1,529/yr | $127/mo | $453/yr | Details → |
| Nebraska | $1,579/yr | $132/mo | $425/yr | Details → |
| Oregon | $1,606/yr | $134/mo | $464/yr | Details → |
| Washington | $1,623/yr | $135/mo | $480/yr | Details → |
| West Virginia | $1,628/yr | $136/mo | $464/yr | Details → |
| Alaska | $1,639/yr | $137/mo | $420/yr | Details → |
| Pennsylvania | $1,678/yr | $140/mo | $397/yr | Details → |
| Tennessee | $1,678/yr | $140/mo | $491/yr | Details → |
| Utah | $1,689/yr | $141/mo | $486/yr | Details → |
| New Mexico | $1,706/yr | $142/mo | $469/yr | Details → |
| Illinois | $1,717/yr | $143/mo | $574/yr | Details → |
| Minnesota | $1,728/yr | $144/mo | $519/yr | Details → |
| Alabama | $1,742/yr | $145/mo | $541/yr | Details → |
| Arkansas | $1,788/yr | $149/mo | $513/yr | Details → |
| Missouri | $1,822/yr | $152/mo | $524/yr | Details → |
| Mississippi | $1,827/yr | $152/mo | $546/yr | Details → |
| Massachusetts | $1,855/yr | $155/mo | $607/yr | Details → |
| South Carolina | $1,855/yr | $155/mo | $563/yr | Details → |
| Maryland | $1,926/yr | $161/mo | $613/yr | Details → |
| Kansas | $1,938/yr | $162/mo | $546/yr | Details → |
| Arizona | $1,976/yr | $165/mo | $585/yr | Details → |
| Colorado | $1,998/yr | $167/mo | $558/yr | Details → |
| Delaware | $2,009/yr | $167/mo | $696/yr | Details → |
| Oklahoma | $2,048/yr | $171/mo | $591/yr | Details → |
| Rhode Island | $2,136/yr | $178/mo | $679/yr | Details → |
| California | $2,223/yr | $185/mo | $524/yr | Details → |
| Texas | $2,230/yr | $186/mo | $580/yr | Details → |
| Georgia | $2,285/yr | $190/mo | $701/yr | Details → |
| Connecticut | $2,291/yr | $191/mo | $795/yr | Details → |
| Kentucky | $2,307/yr | $192/mo | $707/yr | Details → |
| Nevada | $2,357/yr | $196/mo | $718/yr | Details → |
| Michigan | $2,694/yr | $225/mo | $883/yr | Details → |
| New Jersey | $2,782/yr | $232/mo | $861/yr | Details → |
| Louisiana | $3,411/yr | $284/mo | $988/yr | Details → |
| New York | $3,533/yr | $294/mo | $1,314/yr | Details → |
| Florida | $3,629/yr | $302/mo | $1,027/yr | Details → |