If you're middle-aged, you're enjoying some of the lowest of any demographic: A 50-year-old male driver pays an average of $2,515 a year for full coverage, or 6% less than a 40-year-old ($2,680) and ...

Driving in your 50s generally means lower insurance premiums. As insurance companies see it, you have more experience behind the wheel and are less likely to take risks that could lead to accidents.