Car Insurance for 70-Year-Olds: Average Rates by State (2026)
Quick Answer
A 70-year-old driver pays an average of $208/month ($2,499/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 70-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,277/yr | $106/mo | $376/yr | Details |
| Vermont | $1,315/yr | $110/mo | $395/yr | Details |
| New Hampshire | $1,354/yr | $113/mo | $402/yr | Details |
| Idaho | $1,400/yr | $117/mo | $408/yr | Details |
| Ohio | $1,464/yr | $122/mo | $428/yr | Details |
| North Carolina | $1,542/yr | $129/mo | $505/yr | Details |
| Iowa | $1,594/yr | $133/mo | $428/yr | Details |
| Wisconsin | $1,614/yr | $135/mo | $454/yr | Details |
| Wyoming | $1,665/yr | $139/mo | $454/yr | Details |
| North Dakota | $1,672/yr | $139/mo | $454/yr | Details |
| Indiana | $1,724/yr | $144/mo | $499/yr | Details |
| Hawaii | $1,737/yr | $145/mo | $505/yr | Details |
| South Dakota | $1,737/yr | $145/mo | $467/yr | Details |
| Montana | $1,782/yr | $149/mo | $473/yr | Details |
| Virginia | $1,795/yr | $150/mo | $531/yr | Details |
| Nebraska | $1,853/yr | $154/mo | $499/yr | Details |
| Oregon | $1,886/yr | $157/mo | $544/yr | Details |
| Washington | $1,905/yr | $159/mo | $564/yr | Details |
| West Virginia | $1,912/yr | $159/mo | $544/yr | Details |
| Alaska | $1,925/yr | $160/mo | $492/yr | Details |
| Pennsylvania | $1,970/yr | $164/mo | $467/yr | Details |
| Tennessee | $1,970/yr | $164/mo | $577/yr | Details |
| Utah | $1,983/yr | $165/mo | $570/yr | Details |
| New Mexico | $2,002/yr | $167/mo | $551/yr | Details |
| Illinois | $2,015/yr | $168/mo | $674/yr | Details |
| Minnesota | $2,028/yr | $169/mo | $609/yr | Details |
| Alabama | $2,046/yr | $171/mo | $635/yr | Details |
| Arkansas | $2,100/yr | $175/mo | $603/yr | Details |
| Missouri | $2,138/yr | $178/mo | $616/yr | Details |
| Mississippi | $2,145/yr | $179/mo | $642/yr | Details |
| Massachusetts | $2,177/yr | $181/mo | $713/yr | Details |
| South Carolina | $2,177/yr | $181/mo | $661/yr | Details |
| Maryland | $2,262/yr | $189/mo | $719/yr | Details |
| Kansas | $2,274/yr | $190/mo | $642/yr | Details |
| Arizona | $2,320/yr | $193/mo | $687/yr | Details |
| Colorado | $2,346/yr | $196/mo | $654/yr | Details |
| Delaware | $2,359/yr | $197/mo | $816/yr | Details |
| Oklahoma | $2,404/yr | $200/mo | $693/yr | Details |
| Rhode Island | $2,508/yr | $209/mo | $797/yr | Details |
| California | $2,609/yr | $217/mo | $616/yr | Details |
| Texas | $2,618/yr | $218/mo | $680/yr | Details |
| Georgia | $2,683/yr | $224/mo | $823/yr | Details |
| Connecticut | $2,689/yr | $224/mo | $933/yr | Details |
| Kentucky | $2,709/yr | $226/mo | $829/yr | Details |
| Nevada | $2,767/yr | $231/mo | $842/yr | Details |
| Michigan | $3,162/yr | $264/mo | $1,037/yr | Details |
| New Jersey | $3,266/yr | $272/mo | $1,011/yr | Details |
| Louisiana | $4,005/yr | $334/mo | $1,160/yr | Details |
| New York | $4,147/yr | $346/mo | $1,542/yr | Details |
| Florida | $4,261/yr | $355/mo | $1,205/yr | Details |