A full coverage car insurance policy for a 35-year-old is about $1,426 per year, on average. In comparison, an auto insurance policy with the state-minimum level of coverage costs about $692 per year for a 35-year-old.
Car Insurance Premiums for 35-Year-Olds
35 years old
$1,426 per year
$692 per year
16 years old
$9,160 per year
$3,192 per year
25 years old
$1,679 per year
$815 per year
45 years old
$2,117 per year
$671 per year
65 years old
$2,028 per year
$680 per year
*Premiums are based on data from Quadrant Information Services; actual premiums will vary.
Car insurance does not go up at age 35 because the closer drivers get to middle-age, the more experience they tend to have behind the wheel and the less risk they pose to insurance companies. Car insurance at age 35 is still more expensive than the national average of $56 per month, though. Rates typically don't drop below the national average until drivers turn 45 years old.
Age affects the cost of car insurance by up to 389% on average because certain age groups are statistically more likely to be involved in accidents. Age is a factor in car insurance pricing in nearly all states, though California, Hawaii and Massachusetts do not allow the practice.
Car insurance for a 35-year-old costs an average of $692 per year for minimum coverage. The exact cost of car insurance for a 35-year-old depends on a few factors, including their driving record, gender, location, vehicle, and car insurance company.
Some of the cheapest insurance companies for 35-year-old drivers are Geico, USAA, and AAA. You can see how they compare below.
Cost of Car Insurance for a 35-Year-Old by Company
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