How Much Is Car Insurance For A 36-Year-Old Driver?

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Written by
Bob Phillips
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Are you a 36-year-old driver curious about the costs of car insurance? You’ve come to the right place. Understanding the factors that influence insurance premiums can help you make informed decisions about your coverage.

Given my experience as a former licensed insurance agent, I’ve aided countless individuals in navigating the complexities of car insurance, and I’m here to lend my expertise to you as well.

Throughout this guide, we’ll shed light on the typical expenses associated with car insurance for 36-year-olds, dissecting the factors that impact these costs and offering guidance on potential strategies for reducing them. Our aim is not to sell you insurance, but rather to empower you with the knowledge needed to make informed decisions about your coverage.

It’s important to note that the figures provided below represent averages, and actual costs may vary depending on factors such as your location, driving history, gender, credit score, and the insurance company you select.

Key Takeaways

  • Minimum coverage for 36-year-olds comes at an annual price of $1,581.

  • Comparing multiple quotes is crucial when purchasing car insurance.

  • There exist several methods for 36-year-olds to reduce their car insurance premiums.

How Much Is Car Insurance For A 36 Year Old?

The price of car insurance for a 36-year-old can differ depending on factors such as the type of coverage, gender, and driving record. Typically, a 36-year-old might pay anywhere from $1,581 annually for basic coverage to $3,102 annually for comprehensive coverage.

Knowing the cost of car insurance for a 36-year-old is crucial because it can greatly affect your finances. It’s essential to understand that insurance premiums are not fixed and are influenced by factors like the type of coverage, gender, and driving history.

The notable difference in expenses between minimum and full coverage insurance underscores the significance of comprehending your investment. While minimum coverage may seem enticing due to its lower cost, it may not provide sufficient protection in certain scenarios. Conversely, full coverage offers comprehensive coverage, including collision and comprehensive protection against theft, vandalism, and natural disasters.

Thankfully, there are avenues to cut down costs. Keeping a clean driving record and taking advantage of discounts offered by insurers can significantly reduce premiums. Additionally, exploring various insurers and comparing rates can help secure the most favorable deal.

How Much Is Car Insurance For A 36 Year Old By Gender?

Grasping the cost of car insurance is vital for every driver, particularly for 36 year-old individuals.. Numerous factors shape these expenses, and gender stands out as a significant determinant.

Typically, car insurance rates vary between males and females, as each gender is perceived to carry distinct risk factors. Let’s delve into the particular expenses linked with car insurance for 36-year-old male and female drivers.

Coverage Type Average Annual Cost for Male Average Annual Cost for Female
Minimum Coverage $1,629 $1,581
Full Coverage $3,442 $3,102

How Much Is Car Insurance For A 36 Year Old – By State?

Car insurance prices can change a lot, especially for 36-year-olds. Where you live can make a big difference in how much you pay. I’ve done a lot of research and put together a list that compares the average car insurance prices for 36 -year-olds in different states.

State Average Annual Full Coverage Premium for 36-year-old Drivers
Alabama $1,044
Alaska $1,308
Arizona $1,356
Arkansas $1,068
California $1,584
Colorado $1,476
Connecticut $1,680
Delaware $1,236
Florida $2,748
Georgia $1,692
Hawaii $1,272
Idaho $648
Illinois $1,104
Indiana $1,044
Iowa $852
Kansas $1,080
Kentucky $1,536
Louisiana $2,208
Maine $924
Maryland $1,692
Massachusetts $1,260
Michigan $1,404
Minnesota $1,152
Mississippi $1,080
Missouri $1,320
Montana $1,104
Nebraska $1,008
Nevada $2,016
New Hampshire $912
New Jersey $1,740
New Mexico $1,116
New York $2,244
North Carolina $996
North Dakota $900
Ohio $1,164
Oklahoma $1,332
Oregon $1,212
Pennsylvania $1,536
Rhode Island $1,452
South Carolina $1,296
South Dakota $936
Tennessee $1,032
Texas $1,380
Utah $1,080
Vermont $804
Virginia $1,068
Washington $948
West Virginia $1,320
Wisconsin $1,068
Wyoming $1,308

Keep in mind that these numbers are just averages, and the real costs might be different based on different factors.

How Much Is Car Insurance For A 36 Year Old By Credit Score?

Insurance companies usually don’t share exact rates based on credit scores, but it’s well-known that your credit score affects how much you pay for car insurance. If your credit score is low, you might end up paying more for insurance, but if it’s high, you could pay less. Forbes reports that car insurance rates can go up by around 76% on average depending on your credit score.

Credit Tier Avg. Annual Premium for 36-Year-Olds
Poor $3,100
Fair $2,842
Good $1,637
Very Good $1,497
Excellent $1,291

Cheapest Car Insurance Companies For A 36 Year Old

When looking for cheap car insurance as a 36-year-old, certain companies offer good deals with lots of coverage options. It’s important for drivers to find insurance that’s both affordable and provides good protection on the road. Remember, your insurance costs can change based on things like how you drive, your credit score, and the type of car you have.

Company Monthly Rate
Travelers $81
Nationwide $92
State Farm $93
USAA $93
Allstate $94
Esurance $94
Farmers $104
Mercury $112
National General $136

How Much Is Car Insurance For A 36 Year Old – By Vehicle

At 36 years old, you’re past the stage of being a young driver, but your insurance rates may still be higher compared to more seasoned drivers. The type of car you choose can have a big impact on how much you pay for insurance. Everything from safety ratings to repair expenses influences how insurance companies determine your premium. Knowing how your vehicle choice affects your insurance rates can be useful as you make decisions about which car to drive or buy.

Vehicle Type Average Annual Premium for 36 -Year-Olds
Sedan $2,200
Hybrid $2,110
Luxury $2,343
SUV $1,830
Truck $1,657
Van $1,680

How Much Is Car Insurance – By Age

As shown in the chart, young drivers usually pay the highest car insurance rates because they have less driving experience and are seen as riskier whereas, 36 years old are usually not considered risky drivers and hence get lower premiums.  As drivers get older and gain more experience, their insurance costs generally go down, hitting their lowest around middle age. But as drivers get even older, rates go up again because there’s more risk linked with older age.

Age Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
22 $3,335 $2,989
35 $2,070 $2,050
40 $2,021 $2,007
50 $1,887 $1,869
60 $1,830 $1,814
70 $2,006 $1,971

How To Save Money On Your Car Insurance As A 36 Year Old

As a 36-year-old, finding ways to save money on car insurance is essential for managing your expenses effectively. By exploring various strategies and understanding how insurance companies determine premiums, you can potentially lower your costs without sacrificing coverage. Here are some practical tips to help you save money on your car insurance:

Maintain A Good Driving Record

One of the most effective ways to keep your car insurance premiums low is by maintaining a clean driving record. Avoiding accidents and traffic violations demonstrates to insurers that you are a responsible driver, which can lead to lower rates.

Bundle Your Policies

Consider bundling your car insurance with other insurance policies, such as homeowners or renters insurance, with the same company. Many insurers offer discounts for bundling, allowing you to save money on both policies.

Increase Your Deductible

Opting for a higher deductible can lower your car insurance premiums. However, it’s essential to ensure that you can afford the higher out-of-pocket expenses in the event of an accident before choosing this option.

Take Advantage Of Discounts

Insurance companies offer various discounts based on factors such as your driving habits, vehicle safety features, and membership affiliations. Be sure to inquire about available discounts and take advantage of those that apply to you.

Shop Around For Quotes

Don’t settle for the first insurance quote you receive. Take the time to shop around and compare quotes from multiple insurance companies. This allows you to find the best coverage at the most competitive rates for your specific needs.


How To Buy Car Insurance As A 36 Year Old

As a 36-year-old, purchasing car insurance is a critical aspect of responsible vehicle ownership. With years of driving experience, you have likely developed a keen understanding of your driving habits and insurance needs. However, navigating the process of buying car insurance can still be daunting, especially considering the multitude of coverage options and providers available. In this guide, we'll walk you through the essential steps to buying car insurance as a 36-year-old, helping you make informed decisions to ensure you have the right coverage for your needs and budget.

Get Your Information Ready

Before you start looking for car insurance, gather all the important details. This includes your driver’s license number, vehicle identification number (VIN), and info about your driving history.


Keep A Good Driving Record

Having a clean driving record helps keep your insurance costs down. Avoid accidents and traffic violations, as these can make your insurance premiums go up.


Decide What Coverage You Need

Different people have different needs, so figure out what coverage you need before you start shopping. Think about things like how old and valuable your car is, your financial situation, and how much risk you’re comfortable with.


Choose How To Shop

There are different ways to shop for car insurance. You can buy it online, talk to someone from the insurance company, or work with an independent agent. Each way has its pros and cons, so pick the one that works best for you.


Compare Quotes

Don’t just go with the first quote you get. Compare quotes from different insurance companies to make sure you’re getting the best deal. Each company has its own way of deciding how much to charge, so prices can vary a lot.


Buy Your Policy

Once you’ve compared quotes and decided on a company, it’s time to buy your policy. Read through it carefully to make sure you understand what’s covered and what’s not.


Review Your Coverage Regularly

Your insurance needs might change over time, so it’s important to check your coverage regularly. Make sure you’re not paying for things you don’t need anymore and that you’re covered for what you do need.

By following these steps, buying car insurance as a 36-year-old can be easy. Just remember to shop around and compare prices from different companies to get the best deal.



What is the best car insurance for a 36 year old?

Based on my personal insights, thorough comparisons, and customer feedback, I firmly advocate for Travelers as a top choice due to its exceptional blend of affordability and comprehensive coverage. Beyond mere statistics, numerous endorsements from satisfied clients underscore this recommendation. Travelers stands out for its diverse policy options, stellar customer service, and generous discounts tailored to promote safe driving practices and vehicle safety features.

At what age is car insurance the cheapest?

According to my research, the age bracket that enjoys the lowest average car insurance premiums is between 50 and 60 years old. This group has the benefit of many years of driving experience, which insurance companies see as an indicator of lower risk.

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