Yes, Age always plays an important role in the calculation of the final car insurance rates in every state and city. It is believed that the experience of the driver increases with age. Hence drivers with more age are considered as less risky and get lowers insurance premium rates. Here is the list of insurance rates for drivers of different ages to help you understand the impact of age: Age State Minimum Full Coverage 18 $2,361 $5,098 19 $2,165 $4,571 20 $1,826 $4,071 21 $1,687 $3,600 22 $1,478 $3,105 23 $1,301 $2,806 24 $1,223 $2,654 25 $1,144 $2,436 26 $1,134 $2,302 27 $1,075 $2,210 28 $1,033 $2,106 29 $1,045 $2,138 30 $1,002 $2,031 Some cities have banned gender-based rates calculation but not in Pennsylvania. The female drivers in Pennsylvania get lower insurance rates as compared to the Male driver: Gender State Minimum Full Coverage Female $978 $1,892 Male $998$1,864