Car Insurance for 65-Year-Olds: Average Rates by State (2026)
Quick Answer
A 65-year-old driver pays an average of $191/month ($2,291/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 65-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,170/yr | $98/mo | $345/yr | Details → |
| Vermont | $1,206/yr | $101/mo | $362/yr | Details → |
| New Hampshire | $1,241/yr | $103/mo | $368/yr | Details → |
| Idaho | $1,283/yr | $107/mo | $374/yr | Details → |
| Ohio | $1,342/yr | $112/mo | $392/yr | Details → |
| North Carolina | $1,414/yr | $118/mo | $463/yr | Details → |
| Iowa | $1,461/yr | $122/mo | $392/yr | Details → |
| Wisconsin | $1,479/yr | $123/mo | $416/yr | Details → |
| Wyoming | $1,527/yr | $127/mo | $416/yr | Details → |
| North Dakota | $1,533/yr | $128/mo | $416/yr | Details → |
| Indiana | $1,580/yr | $132/mo | $457/yr | Details → |
| Hawaii | $1,592/yr | $133/mo | $463/yr | Details → |
| South Dakota | $1,592/yr | $133/mo | $428/yr | Details → |
| Montana | $1,634/yr | $136/mo | $434/yr | Details → |
| Virginia | $1,645/yr | $137/mo | $487/yr | Details → |
| Nebraska | $1,699/yr | $142/mo | $457/yr | Details → |
| Oregon | $1,729/yr | $144/mo | $499/yr | Details → |
| Washington | $1,746/yr | $146/mo | $517/yr | Details → |
| West Virginia | $1,752/yr | $146/mo | $499/yr | Details → |
| Alaska | $1,764/yr | $147/mo | $451/yr | Details → |
| Pennsylvania | $1,806/yr | $151/mo | $428/yr | Details → |
| Tennessee | $1,806/yr | $151/mo | $529/yr | Details → |
| Utah | $1,818/yr | $152/mo | $523/yr | Details → |
| New Mexico | $1,835/yr | $153/mo | $505/yr | Details → |
| Illinois | $1,847/yr | $154/mo | $618/yr | Details → |
| Minnesota | $1,859/yr | $155/mo | $558/yr | Details → |
| Alabama | $1,875/yr | $156/mo | $582/yr | Details → |
| Arkansas | $1,925/yr | $160/mo | $552/yr | Details → |
| Missouri | $1,960/yr | $163/mo | $564/yr | Details → |
| Mississippi | $1,966/yr | $164/mo | $588/yr | Details → |
| Massachusetts | $1,996/yr | $166/mo | $653/yr | Details → |
| South Carolina | $1,996/yr | $166/mo | $606/yr | Details → |
| Maryland | $2,073/yr | $173/mo | $659/yr | Details → |
| Kansas | $2,085/yr | $174/mo | $588/yr | Details → |
| Arizona | $2,127/yr | $177/mo | $630/yr | Details → |
| Colorado | $2,150/yr | $179/mo | $600/yr | Details → |
| Delaware | $2,162/yr | $180/mo | $748/yr | Details → |
| Oklahoma | $2,204/yr | $184/mo | $636/yr | Details → |
| Rhode Island | $2,299/yr | $192/mo | $731/yr | Details → |
| California | $2,392/yr | $199/mo | $564/yr | Details → |
| Texas | $2,400/yr | $200/mo | $624/yr | Details → |
| Georgia | $2,459/yr | $205/mo | $754/yr | Details → |
| Connecticut | $2,465/yr | $205/mo | $855/yr | Details → |
| Kentucky | $2,483/yr | $207/mo | $760/yr | Details → |
| Nevada | $2,536/yr | $211/mo | $772/yr | Details → |
| Michigan | $2,899/yr | $242/mo | $950/yr | Details → |
| New Jersey | $2,994/yr | $250/mo | $927/yr | Details → |
| Louisiana | $3,671/yr | $306/mo | $1,063/yr | Details → |
| New York | $3,802/yr | $317/mo | $1,414/yr | Details → |
| Florida | $3,906/yr | $326/mo | $1,105/yr | Details → |