Car insurance goes down every year a driver is insured and remains claim-free. Data from ValuePenguin illustrates that at 18 years old, the average male rate is $7,561 while the average female rate is $6,797. At 23, the average male rate is $3,965 and the average female rate is $3,716. At 25, the average male rate is $3,247 and the average female rate is $3,167.