It can be quite challenging when it comes to understanding the complexities of auto insurance costs, especially with factors like type of vehicle, age, and driving history determining the cost. How much is car insurance for a 36-year-old driver? For a 36-year-old driver, this is a point where the premium amount might be stable, unlike drivers in the younger age range.
Meanwhile, there are still different elements that can significantly influence or affect these figures. In this article, we will be discovering the average cost and the factors behind the determination of car insurance for a 36-year-old driver, which will give you an insight into the cost of such coverage in the insurance market today.
Does Age Affect Car Insurance Rates?
Yes, age is a significant factor affecting car insurance rates in the market. Young drivers who are under the age of 25 face higher premiums because of the risk of accidents.
Secondly, middle-aged drivers between the ages of 25 and 65 enjoy lower rates generally as they are considered less risky and experienced.
On the other hand, older drivers between the ages of 65 and above might face increased premiums because of factors such as slower reaction periods.
Nonetheless, insurance providers use age and factors like vehicle type and driving history to determine the auto insurance rates.
How Much is Car Insurance for a 36-Year-Old Driver?
The average cost of car insurance for a 36-year-old for basic coverage is $1,581 per year and $3,102 for comprehensive coverage. In the meantime, expect to pay around $1,200 to $1,500 annually for auto insurance in the United States. However, the cost of purchasing car insurance can be lower or higher depending on the following factors:
- Location.
- Driving history.
- Credit score.
- Coverage type.
- Insurance company.
- Vehicle type.
- Annual mileage.
When you understand these factors well and compare policies from different insurance companies, you can find cheap auto insurance rates for a 36-year-old driver.
Monthly Car Insurance for 36-Year-Old by State
Here is the range of car insurance premiums per month approximately for 36-year-old drivers across the states in the United States. Remember that these prices differ based on various factors like insurance provider, driving history, coverage options, and vehicle type:
| State | Male | Female | Average Cost of State |
| Alaska | $130 | $91 | $136 |
| Alabama | $111 | $115 | $125 |
| Arkansas | $79 | $86 | $100 |
| Arizona | $131 | $133 | $141 |
| California | $136 | $133 | $143 |
| Colorado | $149 | $138 | $142 |
| Connecticut | $181 | $146 | $193 |
| District of Columbia | $146 | $167 | $186 |
| Delaware | $116 | $122 | $129 |
| Florida | $298 | $301 | $304 |
| Georgia | $164 | $156 | $169 |
| Hawaii | $121 | $116 | $109 |
| Iowa | $101 | $71 | $94 |
| Idaho | $57 | $55 | $73 |
| Illinois | $103 | $96 | $104 |
| Indiana | $93 | $75 | $92 |
| Kansas | $99 | $98 | $116 |
| Kentucky | $130 | $128 | $138 |
| Louisiana | $213 | $227 | $236 |
| Massachusetts | $109 | $117 | $111 |
| Maryland | $138 | $147 | $152 |
| Maine | $92 | $71 | $92 |
| Michigan | $103 | $102 | $110 |
| Minnesota | $110 | $102 | $109 |
| Missouri | $150 | $132 | $144 |
| Mississippi | $98 | $97 | $107 |
| Montana | $96 | $87 | $119 |
| North Carolina | $114 | $127 | $126 |
| North Dakota | $75 | $85 | $90 |
| Nebraska | $96 | $95 | $116 |
| New Hampshire | $103 | $110 | $115 |
| New Jersey | $160 | $170 | $173 |
| New Mexico | $112 | $106 | $123 |
| Nevada | $213 | $213 | $231 |
| New York | $187 | $154 | $203 |
| Ohio | $105 | $95 | $96 |
| Oklahoma | $118 | $112 | $127 |
| Oregon | $131 | $100 | $115 |
| Pennsylvania | $140 | $140 | $147 |
| Rhode Island | $145 | $122 | $151 |
| South Carolina | $127 | $124 | $142 |
| South Dakota | $78 | $114 | $107 |
| Tennessee | $129 | $88 | $111 |
| Texas | $147 | $144 | $150 |
| Utah | $104 | $126 | $121 |
| Virginia | $111 | $107 | $115 |
| Vermont | $80 | $54 | $83 |
| Washington | $85 | $83 | $93 |
| Wisconsin | $119 | $106 | $114 |
| West Virginia | $140 | $111 | $137 |
| Wyoming | $130 | $123 | $149 |
Monthly Car Insurance for 36-Year-Old by Gender
Some states in the US forbid the use of gender as a determining factor for car insurance premium rates. But in states where this is applied, here is the average cost of auto insurance:
| Coverage Type | Average Annual Cost of Male | Average Annual Cost of Female |
| Minimum Coverage | $1,629 | $1,581 |
| Full Coverage | $3,442 | $3,102 |
How Much is Car Insurance for a 36-Year-Old Driver by Credit Score?
For some insurance companies and in some states, auto insurance premiums are determined by credit score. Here is an approximate of how much purchasing an auto insurance policy will cost you depending on your credit score. Keep in mind that these are just estimated figures and are not fixed:
| Credit Score | Average Annual Premium for a 36-Year-Old |
| Poor | $3,100 |
| Fair | $2,842 |
| Good | $1,637 |
| Very Good | $1,497 |
| Excellent | $1,291 |
How to Buy Car Insurance as a 36 Year Old
If you are a 36-year-old driver and are interested in purchasing a car insurance quote, the procedure is straightforward. Here is what you need to do to begin:
- Determine your coverage needs.
- Check your driving records.
- Assess your vehicle.
- Compare policies.
- Ask for discounts.
- Research multiple insurance companies.
- Check the policy coverage limits, exclusions, deductibles, and terms.
- Choose a policy.
- Finish up the required paperwork.
- Consider additional coverage.
- Review your coverage needs regularly.
- Stay updated.
By doing this, you can change your coverage based on the changes in your financial situation or driving habits.
How to Find Cheap Car Insurance Rates
If you would like to save on a car insurance purchase, here are some tips to finding cheap auto insurance rates:
- Keep a good driving record.
- Go for higher deductibles.
- Request for discounts.
- Bundle policies.
- Consider safety features.
- Improve your credit score.
- Ask for professional advice.
- Check your coverage needs.
- Inquire about usage-based insurance.
- Compare policies.
When you do the following and stay consistent with your search, you can increase your chances of finding a cheap auto insurance policy to meet your needs as a driver.
