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Insurance Cost by Age 2026: Car, Health, Life and Home Rates

How insurance costs change across your lifetime. All insurance types by age from 18 to 75+.

Total Annual Insurance Costs by Age

AgeCarHealthLife ($500K)HomeTotal/Year
18-24$4,850$3,900$180N/A$8,930
25-34$1,920$4,400$276$2,377$8,973
35-44$1,780$5,500$396$2,377$10,053
45-54$1,750$7,200$792$2,377$12,119
55-64$1,820$10,200$2,340$2,377$16,737
65+$2,100$2,640$6,000$2,377$13,117

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Frequently Asked Questions

At what age is insurance cheapest?

Overall costs are lowest at 25-34 at about $8,973/year.

At what age is insurance most expensive?

Ages 55-64 are most expensive at about $16,737/year due to health and life insurance costs.

Data & Research

State RankingsSalary DataFinancial by AgeMortgage DataInsurance DataCredit Card DataTax Brackets 2026Minimum Wage

More Insurance Data

Car Insurance by StateHealth Insurance CostLife Insurance by AgeRenters InsuranceInsurance by AgeUninsured Rates