Car Insurance for 75-Year-Olds: Average Rates by State (2026)
Quick Answer
A 75-year-old driver pays an average of $235/month ($2,823/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 75-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,442/yr | $120/mo | $425/yr | Details → |
| Vermont | $1,486/yr | $124/mo | $447/yr | Details → |
| New Hampshire | $1,530/yr | $128/mo | $454/yr | Details → |
| Idaho | $1,581/yr | $132/mo | $461/yr | Details → |
| Ohio | $1,654/yr | $138/mo | $483/yr | Details → |
| North Carolina | $1,742/yr | $145/mo | $571/yr | Details → |
| Iowa | $1,801/yr | $150/mo | $483/yr | Details → |
| Wisconsin | $1,823/yr | $152/mo | $512/yr | Details → |
| Wyoming | $1,881/yr | $157/mo | $512/yr | Details → |
| North Dakota | $1,889/yr | $157/mo | $512/yr | Details → |
| Indiana | $1,947/yr | $162/mo | $564/yr | Details → |
| Hawaii | $1,962/yr | $164/mo | $571/yr | Details → |
| South Dakota | $1,962/yr | $164/mo | $527/yr | Details → |
| Montana | $2,013/yr | $168/mo | $534/yr | Details → |
| Virginia | $2,028/yr | $169/mo | $600/yr | Details → |
| Nebraska | $2,094/yr | $175/mo | $564/yr | Details → |
| Oregon | $2,130/yr | $178/mo | $615/yr | Details → |
| Washington | $2,152/yr | $179/mo | $637/yr | Details → |
| West Virginia | $2,159/yr | $180/mo | $615/yr | Details → |
| Alaska | $2,174/yr | $181/mo | $556/yr | Details → |
| Pennsylvania | $2,225/yr | $185/mo | $527/yr | Details → |
| Tennessee | $2,225/yr | $185/mo | $651/yr | Details → |
| Utah | $2,240/yr | $187/mo | $644/yr | Details → |
| New Mexico | $2,262/yr | $189/mo | $622/yr | Details → |
| Illinois | $2,277/yr | $190/mo | $761/yr | Details → |
| Minnesota | $2,291/yr | $191/mo | $688/yr | Details → |
| Alabama | $2,311/yr | $193/mo | $717/yr | Details → |
| Arkansas | $2,372/yr | $198/mo | $681/yr | Details → |
| Missouri | $2,416/yr | $201/mo | $695/yr | Details → |
| Mississippi | $2,423/yr | $202/mo | $725/yr | Details → |
| Massachusetts | $2,460/yr | $205/mo | $805/yr | Details → |
| South Carolina | $2,460/yr | $205/mo | $747/yr | Details → |
| Maryland | $2,555/yr | $213/mo | $813/yr | Details → |
| Kansas | $2,569/yr | $214/mo | $725/yr | Details → |
| Arizona | $2,621/yr | $218/mo | $776/yr | Details → |
| Colorado | $2,650/yr | $221/mo | $739/yr | Details → |
| Delaware | $2,664/yr | $222/mo | $922/yr | Details → |
| Oklahoma | $2,716/yr | $226/mo | $783/yr | Details → |
| Rhode Island | $2,833/yr | $236/mo | $900/yr | Details → |
| California | $2,948/yr | $246/mo | $695/yr | Details → |
| Texas | $2,957/yr | $246/mo | $769/yr | Details → |
| Georgia | $3,030/yr | $253/mo | $930/yr | Details → |
| Connecticut | $3,038/yr | $253/mo | $1,054/yr | Details → |
| Kentucky | $3,060/yr | $255/mo | $937/yr | Details → |
| Nevada | $3,126/yr | $261/mo | $952/yr | Details → |
| Michigan | $3,572/yr | $298/mo | $1,171/yr | Details → |
| New Jersey | $3,689/yr | $307/mo | $1,142/yr | Details → |
| Louisiana | $4,524/yr | $377/mo | $1,310/yr | Details → |
| New York | $4,685/yr | $390/mo | $1,742/yr | Details → |
| Florida | $4,813/yr | $401/mo | $1,362/yr | Details → |