Car Insurance for Age 65+ in California

Average auto insurance rates for 65+ year old drivers in California (CA), including male vs female rate comparison.

Avg Annual Rate

$2,174

$362 above national avg

Male Rate

$2,236/yr

Female Rate

$2,111/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 65+ in California

Gender	Annual	Monthly	vs Average
Male	$2,236	$186	+$62
Female	$2,111	$176	$-63
Average	$2,174	$181	—

Male drivers aged 65+ pay $125 more per year in California.

All Age Groups in California

Age Group	Average	Male	Female
16-19	$5,589	$6,314	$4,864
20-25	$3,726	$4,140	$3,312
26-35	$2,277	$2,380	$2,174
36-45	$2,070	$2,111	$2,029
46-55	$1,966	$2,008	$1,925
56-65	$1,904	$1,946	$1,863
65+ ←	$2,174	$2,236	$2,111

Most & Least Expensive States for Age 65+

Most Expensive

#1	Michigan	$2,835
#2	Louisiana	$2,730
#3	Florida	$2,625
#4	New York	$2,436
#5	Kentucky	$2,310
#6	Colorado	$2,205
#7	Georgia	$2,205
#8	California	$2,174
#9	Nevada	$2,174
#10	Oklahoma	$2,132

Least Expensive

#51	Maine	$945
#50	Vermont	$1,050
#49	New Hampshire	$1,102
#48	Idaho	$1,155
#47	Hawaii	$1,334
#46	Wisconsin	$1,344
#45	Ohio	$1,354
#44	North Carolina	$1,418
#43	Iowa	$1,418
#42	North Dakota	$1,428

California Insurance Overview

State Avg Premium

$2,070/yr

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 65+ in California?

The average annual car insurance premium for 65+ year olds in California is $2,174 (about $181/month). This is $362 above the national average of $1,812 for this age group.

Do males or females pay more for car insurance at age 65+ in California?

In California, male drivers aged 65+ pay more — $2,236/yr for males vs $2,111/yr for females, a difference of $125 per year.

How does California rank for age 65+ insurance costs?

California ranks #8 out of 51 states for car insurance costs for 65+ year olds (most expensive first). The cheapest state for this age group is Maine at $945/yr, while Michigan is the most expensive at $2,835/yr.

Why is car insurance more expensive for age 65+ in California?

Insurance rates for 65+ year olds in California are influenced by the state's at-fault (tort) system, local accident rates (486,317/yr), uninsured driver rate (15.2%), and population density. California has 32,421,159 registered vehicles.

How can 65+ year olds save on car insurance in California?

65+ year olds in California can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

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Car Insurance for Age 65+ in California

Average auto insurance rates for 65+ year old drivers in California (CA), including male vs female rate comparison.

Avg Annual Rate

$2,174

$362 above national avg

Male Rate

$2,236/yr

Female Rate

$2,111/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 65+ in California

Gender	Annual	Monthly	vs Average
Male	$2,236	$186	+$62
Female	$2,111	$176	$-63
Average	$2,174	$181	—

Male drivers aged 65+ pay $125 more per year in California.

All Age Groups in California

Age Group	Average	Male	Female
16-19	$5,589	$6,314	$4,864
20-25	$3,726	$4,140	$3,312
26-35	$2,277	$2,380	$2,174
36-45	$2,070	$2,111	$2,029
46-55	$1,966	$2,008	$1,925
56-65	$1,904	$1,946	$1,863
65+ ←	$2,174	$2,236	$2,111

Most & Least Expensive States for Age 65+

Most Expensive

#1	Michigan	$2,835
#2	Louisiana	$2,730
#3	Florida	$2,625
#4	New York	$2,436
#5	Kentucky	$2,310
#6	Colorado	$2,205
#7	Georgia	$2,205
#8	California	$2,174
#9	Nevada	$2,174
#10	Oklahoma	$2,132

Least Expensive

#51	Maine	$945
#50	Vermont	$1,050
#49	New Hampshire	$1,102
#48	Idaho	$1,155
#47	Hawaii	$1,334
#46	Wisconsin	$1,344
#45	Ohio	$1,354
#44	North Carolina	$1,418
#43	Iowa	$1,418
#42	North Dakota	$1,428

California Insurance Overview

State Avg Premium

$2,070/yr

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 65+ in California?

The average annual car insurance premium for 65+ year olds in California is $2,174 (about $181/month). This is $362 above the national average of $1,812 for this age group.

Do males or females pay more for car insurance at age 65+ in California?

In California, male drivers aged 65+ pay more — $2,236/yr for males vs $2,111/yr for females, a difference of $125 per year.

How does California rank for age 65+ insurance costs?

Why is car insurance more expensive for age 65+ in California?

How can 65+ year olds save on car insurance in California?

Car Insurance for Age 65+ in California

Male vs Female Rates — Age 65+ in California

All Age Groups in California

Most & Least Expensive States for Age 65+

Most Expensive

Least Expensive

California Insurance Overview

Frequently Asked Questions

Age 65+ Rates in Other States

Car Insurance for Age 65+ in California

Male vs Female Rates — Age 65+ in California

All Age Groups in California

Most & Least Expensive States for Age 65+

Most Expensive

Least Expensive

California Insurance Overview

Frequently Asked Questions

Age 65+ Rates in Other States