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Monthly Car Insurance Costs by Age and State

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Drivers aged 16-19 face the highest premiums, as they’re considered high-risk due to inexperience.

Teens Pay the Most

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Ages 20-25 see slight reductions but still higher rates compared to older age groups.

Young Adults See Lower Costs

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Ages 30-50 usually enjoy lower premiums due to experience and stable driving histories.

Middle-Aged Drivers Benefit

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Where you live influences your rate—states like Michigan and Louisiana have notoriously high insurance costs.

State Matters Too

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A 20-year-old in Florida might pay more than a 30-year-old in Texas, due to both state and age factors.

Age and Location Combined

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City drivers often pay more because of higher accident rates compared to rural areas.

Urban vs. Rural Costs

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Some states consider gender, making male teens pay more than females for the same coverage.

8. Gender’s Role in Pricing

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In states that allow it, good credit can result in lower monthly costs.

Good Credit

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