How Car Insurance Changes With Age

As you get older, it's important to know how car insurance changes with age. Up to a certain point, car insurance goes down as we get older and more experienced. This can vary by gender, too. The age car insurance goes down for males is slightly higher, on average, than the age rates decrease for females. Age affects auto insurance rates as an indicator of risk: the riskier a driver is, the higher the rates will be. Typically, drivers are safer and less risky after about 25, and car insurance goes down to reflect that. After reaching 65 or 70, though, drivers' reaction time and reflexes typically get worse, putting them at higher risk for accidents and claims.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Whether you’re a young driver, middle-aged, or still getting behind the wheel in your golden years, it will have a significant impact on your average monthly premiums. Depending on your age, years of experience driving, and whether or not you still have the quick reflexes needed to avoid an accident, your insurance company will evaluate your potential risk and adjust the price for the coverage they offer you accordingly.

How car insurance changes with age can be offset by taking advantage of other tools to make sure you get cheap car insurance rates even as you grow older.

Although there’s nothing you can do to change how old you are, there are steps you can take to lessen the impact of how much your age may increase your car insurance rates. One of the best ways to save is to regularly shop around. You can use our FREE comparison tool to get multiple quotes in your area.

Car Insurance and Young Drivers

If you’re a young driver, then we have some bad news: before the age of 25, you will be paying some of the highest car insurance premiums that you will ever pay over the course of your life. Your inexperience behind the wheel has a higher potential to result in an accident. Also, because your brain is still developing, you may not yet have the cognitive skills to make the best decisions; this can lead to risky behaviors behind the wheel such as speeding, allowing electronic devices to distract you, and even taking the risk of driving while intoxicated. Statistically speaking, most teenagers get into their first claim-worthy accident when:

  • They have been driving for less than a year
  • At night, or during other conditions which limit disability
  • If they have poor grades
  • When driving around for fun (as opposed to driving to school or work)
  • On the weekend, especially to and from social events
  • If they’re driving while their cell phone is on and within reach

The more effort you put into avoiding any and all of the above circumstances, the less likely you are to get into an accident – and, in turn, the more likely you are to get a better rate on your car insurance.

Average Rates of Younger vs. Older DriversLegend: Average Car Insurance Rate 16 Years Old26 Years Old36 Years Old 153045607590105120135150165180195$205$109$98

In addition to the behaviors above, you can earn further discounts by being smart – literally. Things like earning good grades, taking driver’s education classes, and leaving your vehicle at home while you are at college can lead to some pretty decent discounts.

Average Rates of Older vs. Elderly DriversLegend: Average Rate 35 Years Old55 Years Old75 Years Old85 Years Old 1530456075$66$63$77$89

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Car Insurance for Older Drivers

To the credit of senior citizens, their many, many years of driving experience help them avoid paying auto insurance premiums which are as expensive as teenage drivers. However, past a certain age, premiums for older drivers will begin to rise. This has to do with an increasing lack of physical capabilities, such as deteriorating eyesight, lack of muscle coordination, and slower reflexes. If you have trouble seeing, if you have trouble operating your vehicle, and if you are less able to react to sudden threats on the road, you’re more likely to get into an accident. This means you’re more likely to cost your insurance company money, and they will compensate for this risk by charging you a higher premium.

Young Driver Insurance Premiums With and Without DiscountsLegend: Young Driver Discounts Without Discounts MissouriFloridaCalifornia 20406080100120140160180200220240260280300320340360380400420440460480500$125$194$237$316$405$515

Again, there’s nothing you can do to turn back time and find a way to reduce the physical symptoms of aging. But there are some steps you can take to make sure that your body doesn’t keep you from being a safe driver, such as:

  • Exercising regularly to keep your mind and your physical coordination sharp
  • Cognitive exercises to improve awareness and reaction time
  • Eating a healthy diet
  • Getting regular health check-ups, especially eye exams
  • Occasionally brushing up on your knowledge with defensive driving and other driver education courses
  • Keeping your license current

Whether you are young, old, or somewhere in between, your age will have a noticeable effect on how much you pay each month for your car insurance premiums. Taking the advice above to heart can help you get a better deal – but so can comparison shopping! If you only get quotes from one or two different providers near you, there’s a good chance you may not be getting the best deal.

But we can help you compare multiple quotes quickly and easily. If you’re ready to get the best deal possible, put your ZIP code in our quote generator now and get ready to save.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption