Car Insurance for 60-Year-Olds: Average Rates by State (2026)
Quick Answer
A 60-year-old driver pays an average of $183/month ($2,198/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 60-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,123/yr | $94/mo | $331/yr | Details |
| Vermont | $1,157/yr | $96/mo | $348/yr | Details |
| New Hampshire | $1,191/yr | $99/mo | $353/yr | Details |
| Idaho | $1,231/yr | $103/mo | $359/yr | Details |
| Ohio | $1,288/yr | $107/mo | $376/yr | Details |
| North Carolina | $1,357/yr | $113/mo | $445/yr | Details |
| Iowa | $1,402/yr | $117/mo | $376/yr | Details |
| Wisconsin | $1,419/yr | $118/mo | $399/yr | Details |
| Wyoming | $1,465/yr | $122/mo | $399/yr | Details |
| North Dakota | $1,471/yr | $123/mo | $399/yr | Details |
| Indiana | $1,516/yr | $126/mo | $439/yr | Details |
| Hawaii | $1,528/yr | $127/mo | $445/yr | Details |
| South Dakota | $1,528/yr | $127/mo | $410/yr | Details |
| Montana | $1,568/yr | $131/mo | $416/yr | Details |
| Virginia | $1,579/yr | $132/mo | $467/yr | Details |
| Nebraska | $1,630/yr | $136/mo | $439/yr | Details |
| Oregon | $1,659/yr | $138/mo | $479/yr | Details |
| Washington | $1,676/yr | $140/mo | $496/yr | Details |
| West Virginia | $1,682/yr | $140/mo | $479/yr | Details |
| Alaska | $1,693/yr | $141/mo | $433/yr | Details |
| Pennsylvania | $1,733/yr | $144/mo | $410/yr | Details |
| Tennessee | $1,733/yr | $144/mo | $507/yr | Details |
| Utah | $1,744/yr | $145/mo | $502/yr | Details |
| New Mexico | $1,761/yr | $147/mo | $485/yr | Details |
| Illinois | $1,773/yr | $148/mo | $593/yr | Details |
| Minnesota | $1,784/yr | $149/mo | $536/yr | Details |
| Alabama | $1,799/yr | $150/mo | $559/yr | Details |
| Arkansas | $1,847/yr | $154/mo | $530/yr | Details |
| Missouri | $1,881/yr | $157/mo | $542/yr | Details |
| Mississippi | $1,887/yr | $157/mo | $564/yr | Details |
| Massachusetts | $1,915/yr | $160/mo | $627/yr | Details |
| South Carolina | $1,915/yr | $160/mo | $581/yr | Details |
| Maryland | $1,989/yr | $166/mo | $633/yr | Details |
| Kansas | $2,001/yr | $167/mo | $564/yr | Details |
| Arizona | $2,041/yr | $170/mo | $604/yr | Details |
| Colorado | $2,063/yr | $172/mo | $576/yr | Details |
| Delaware | $2,075/yr | $173/mo | $718/yr | Details |
| Oklahoma | $2,115/yr | $176/mo | $610/yr | Details |
| Rhode Island | $2,206/yr | $184/mo | $701/yr | Details |
| California | $2,295/yr | $191/mo | $542/yr | Details |
| Texas | $2,303/yr | $192/mo | $599/yr | Details |
| Georgia | $2,360/yr | $197/mo | $724/yr | Details |
| Connecticut | $2,366/yr | $197/mo | $821/yr | Details |
| Kentucky | $2,383/yr | $199/mo | $730/yr | Details |
| Nevada | $2,434/yr | $203/mo | $741/yr | Details |
| Michigan | $2,782/yr | $232/mo | $912/yr | Details |
| New Jersey | $2,873/yr | $239/mo | $889/yr | Details |
| Louisiana | $3,523/yr | $294/mo | $1,020/yr | Details |
| New York | $3,648/yr | $304/mo | $1,357/yr | Details |
| Florida | $3,748/yr | $312/mo | $1,060/yr | Details |