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Learning to drive is a coming-of-age milestone for many teens, and paying for a young driver will almost always raise your rates. But at what age will your car insurance go down?

Age is the biggest factor in determining your car insurance rates. So, keep reading to learn when auto insurance rates typically fall and what you can do to lower them, outside of having another birthday.

When it’s time to shop for an auto policy for your family, check out our review of the best car insurance companies. And remember that no matter your age, you should always compare auto insurance quotes from several providers so you can find the best coverage and price for you. Use our tool below or give our team a call Motor1’s designated quotes team at (844) 246-8209 to get free, personalized quotes seven days a week.

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What Age Does The Cost Of Your Car Insurance Drop?

The cost of car insurance tends to fall around the age of 25, according to the Insurance Information Institute. This is because, as young drivers grow older, gain experience, and maintain a good driving record, they pose less of a risk when it comes to getting into accidents.

Do Insurance Rates Drop At 21?

While it’s typical to see auto insurance rates decrease during your early twenties, turning 21 doesn’t guarantee a drop in insurance cost. Yes, you’ve most likely been a driver for five years. But insurers care about how experienced you are, so you’ll probably see a more significant drop around your 25th birthday.

Ultimately, the more years on the road you have, the lower your premiums will likely be.

Does Car Insurance Decrease When You Turn 25?

If you’re a young driver or the parent of a teen, you may be wondering when you can get some relief from high auto insurance rates. At what age do car insurance premiums go down?

Auto insurance rates can decrease when you turn 25, but each person’s individual driving history is a deciding factor. Speak with your auto insurance agent to understand your premium and learn your options for an age discount.

Will Your Car Insurance Go Down When You Turn 30?

Maybe your rate went down in your mid-20s, but now you’re approaching another milestone. Will you see your car insurance rates go down in your 30s?

Many auto insurance companies decrease rates after you turn 30 because you’ve gained many years of driving experience. However, like turning 25, turning 30 does not automatically qualify you for a discount. Your insurance provider will look at the number of years you’ve been driving and your driving record in recent years. This will help determine any changes in your premium.

As you gain experience and continuously drive without accidents or tickets, you’re more likely to see a decrease in your auto insurance rates.

Why Is Car Insurance For Your Teen So Expensive?

When you add a teen driver to your insurance coverage, you can expect to pay a higher premium. Car insurance rates are determined by the amount of risk a driver poses to an insurance company. This risk is determined by average driver statistics. Insurance companies want to protect themselves, so they charge a higher rate for drivers who are more likely to get into an accident, file a claim, or get a moving violation.

According to the Centers for Disease Control and Prevention, a person’s crash risk is the highest during their first year of driving. 16- to 19-year olds are nearly three times more likely to be in a fatal crash than drivers age 20 and older. They have less experience driving, so they are more likely to have an accident on average.

Crashes with teenage drivers in America are often the result of the following:

  • Inexperience with driving
  • Distracted driving
  • Driving with other teenage passengers
  • Impaired, reckless, or drowsy driving
  • Driving at night

Despite the fact that teenagers pay more than adults for high-risk car insurance, you can still shop around for rates within your budget. Explore some of the top options in our review of the best car insurance for teens.

Discounts For Teenage Drivers

To save money on car insurance, many families consider enrolling teens in safe driving programs or drivers ed courses. These programs are built to notify drivers when they are doing well, as well as where to make adjustments to improve safety. Most insurance companies offer discounts to teens who complete these programs successfully and show signs of safe, responsible driving.

Some providers offer a good student discount to reward teenagers for maintaining good grades while they learn to drive. Others have a discount for college students that don’t take their vehicles to school with them.

How Do Car Insurance Rates Change As You Age?

When you are young, you may see a decrease in car insurance rates each year you drive without getting moving violations or filing claims. Rates generally decrease as adults reach their 30s, 40s, and 50s. Mature adults pose less of a risk to insurance carriers, and they are often rewarded with savings. Having years of experience and proving you are a good driver is a positive sign for insurance companies.

Unfortunately, rates may go up again when you become a senior over 65 years old. Elderly people are considered high-risk for auto accidents, as their physical abilities begin to change. For instance, impaired vision or physical ailments like arthritis can affect the ability to drive safely. Still, some companies offer a discount for senior drivers.

The cost of auto insurance varies by age and state, so you should do your research to learn what you can expect from your insurance premium as you get older. We recommend getting multiple quotes to compare your price options. Use our tool below or call us at (844) 246-8209.

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What Else Affects Your Car Insurance Rate?

In addition to age and driving history, here are some other things that can affect average car insurance rates:

  • Gender
  • Location
  • Marital status
  • Credit score
  • Type of car you’re insuring
  • Safety features on your vehicle

While many factors like age and gender are out of your control, there are still many things that could qualify you for lower rates. For instance, married couples often pay less than single individuals.

You can also lower your car insurance premium by maintaining a good credit score. Make sure to pay your bills on time and work to reduce your debt. Next, the area you live in will impact your rates. Living in a metropolitan area with dangerous driving conditions or heavy traffic may mean you’ll pay more than someone in a less populated small town.

Last, sedans and family cars are generally less expensive to insure. That’s because they are relatively cheap to repair and safer on the road. On the other hand, foreign and luxury cars are considered a high-risk for car insurance companies because parts are expensive. These cars are also more susceptible to theft and reckless driving.

Experience And Safe Driving

Many drivers see decreases in car insurance rates after they gain more driving experience, avoid getting tickets, and avoid accidents. Unfortunately, there is no guaranteed time when car insurance rates will go down automatically. It all depends on the amount of driving experience you have and how long you maintain a safe driving record.

For instance, if you get your license right when you turn 16 and maintain a clean driving record for a few years, you should start to see lower rates once you reach your mid-20s. However, if you get your license later in life, like at age 23, you might not be eligible for lower rates once you turn 25. This two-year driving history may not be long enough to prove to insurance companies that you have lowered your risk.

To maintain a clean driving record, keep these safe driving tips in mind:

  • Limit the number of other teen passengers and distractions. Never drive with your phone in your hand or while eating.
  • Practice with a parent to master good driving skills. Drive in different conditions like rain, after dark, during heavy traffic, and more to become comfortable on the road.
  • Continue learning as a passenger. Pay attention to how adult drivers handle various situations on the road, and keep them in mind when it’s your turn to take the wheel again.
  • Stay up to date on driving laws. Make sure you’re compliant in your city.

Our Recommendations For Auto Insurance

Regardless of your age, you should shop around to find the best car insurance rates. Each company offers its own benefits and value, so it’s up to you to decide what you need from your insurance provider.

We reviewed the top insurance providers in the nation to determine which is the best in customer satisfaction, industry reputation, price, coverage options, discounts, and more. Geico, Progressive, and State Farm were three of the highest performers, and we recommend getting auto insurance quotes from each of them. Our simple tool below makes it easy to compare quotes. Make it even easier by calling us at (844) 246-8209.

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#1 Geico: Best Overall

Geico is a great choice for families with young drivers. The insurer has family pricing plans, as well as discounts for good students and safe drivers. With 24/7 customer support, Geico has a good reputation in the industry for supporting customers. For more information, read our Geico review.

Teens like Geico’s user-friendly mobile app that allows you to manage your account. You can also take advantage of useful tools like monitoring vehicle maintenance needs and locating gas or parking near you. You can even integrate the app with Amazon Alexa to use voice commands.

Geico offers affordable rates for traditional car insurance coverage, as well as add-ons like roadside assistance. Overall, we gave Geico 4.6 out of 5.0 stars.

#2 Progressive: Best For High-Risk Drivers

Progressive is another great option for teenage drivers. The company offers many discounts for things like maintaining good grades and adding multiple cars to your policy. This can be a great help to families with teens and two or more vehicles. Progressive also offers usage-based discounts, so you can pay less when a car’s annual mileage is low.

Because of Progressive’s strong reputation in the industry for customer satisfaction, it earned a 4.6 rating in our review. Progressive has a responsive website and mobile app to access account information. Get a quote from Progressive for a variety of auto insurance coverages, including add-ons like gap insurance. Read our Progressive insurance review for more information.

#3 State Farm: Best For Students

Widely respected across the country, State Farm offers discounts for keeping good grades, being a safe driver, and bundling multiple policies. The auto insurer even has helpful programs in place specifically to support teen drivers during their first years behind the wheel.

State Farm earned a 4.6-star rating in our industry review. The company has a reputation for low average premiums, great customer service, and easy claims processing. State Farm provides standard coverage options, as well as roadside assistance and rental reimbursement. For more, read our State Farm insurance review.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.