Age hits your wallet hard when it comes to car insurance, no surprise there. Teens get slammed because stats show they crash more, like way more, per mile driven. Then things chill out around 25, stay low through middle age, and creep up a bit when you're over 70 and reflexes slow down. Pulled these from latest 2025 numbers, full coverage averages for a clean record, national ballpark.

Teens? Oof. A 16-year-old boy pays about $7,530 a year, girls around $6,742. Thats monthly hits of $628 and $562, insane right? Compared to the overall average of $2,697 annually, thats like 180% more for boys, 150% jump for girls. Why? Theyre newbies, take dumb risks, and insurance math says one fender bender costs big. By 18-19 it drops a little, maybe 30% off that teen peak, but still hovering $4,000-$5,000 range.

Hit 25 and boom, real relief. Rates fall 12-20% from early 20s levels, landing most folks around $2,200-$2,500 yearly, or $183-$208 a month. Thats when companies stop seeing you as a wildcard. For a 25-year-old with no tickets, youre basically adult-priced now, close to the sweet spot.

From 25 to about 65? Golden years for your premium. Stays flat or dips slight, with 30-50-year-olds paying the least, like $1,895 for a guy or $1,894 for a girl at 40. Overall for 50s its $2,008 blended. Experience counts, fewer claims, safer habits.

Seniors over 70? Starts ticking up again, maybe 10-20% higher than 50s, pushing toward $2,500-$3,000 depending on health stuff or night driving. Not huge, but enough to notice if youre on fixed income.

Quick example, guy I know turned 25 last spring, his bill dropped $1,200 overnight just for blowing out those candles. No other changes, clean sheet. Moral? Drive safe in your 20s, that history sticks and pays off big later.

Bottom line, if youre young hang tight, rates tumble fast after 25. Older? Shop discounts for mature drivers, like defensive courses. Age is just one lever, but it swings wild early on.