Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • No matter the age of the individual seeking to purchase insurance, comparison shopping for car insurance can save big money
  • One factor that determines an individual’s car insurance rates is their age
  • Though car insurance rates usually do not immediately drop at age 30 or 35, with good driving habits, rates tend to decrease over time between ages 30 to 55
  • Car insurance rates begin to increase with the onset of old age and sometimes, older drivers may be dropped from their insurance carriers

Though most people are aware that drivers under age 25 are considered higher risk drivers due to their inexperience behind the wheel, individuals often wonder what age group has the least expensive car insurance rate.

No matter the age of the individual seeking to purchase insurance, comparison shopping for car insurance can save big money.

Use a comparison site to compare rates and policies for the insurance carriers in your area.

Shopping around for car insurance is the best way to ensure that you are getting the best deal, no matter what your age might be.

No matter what age group you fall under, we can help you find more affordable car insurance when you enter your ZIP code in our FREE car insurance comparison tool.

Table of Contents

Car Insurance Rates Change with Age

One factor that determines an individual’s car insurance rates is their age. Once an individual reaches their 25th birthday, as long as their driving record is a good one, they are reclassified as a standard risk to car insurance companies.

Car insurance rates normally drop for those over 25 years old. Females are statistically less likely to be in or cause auto accidents, so they are considered even lower risk than males in this age group.

Check with your car insurance carrier and be sure to take advantage of all of the discounts offered by them to keep car insurance rates manageable for younger drivers.

To decrease insurance rates for individuals in this age group, auto insurance companies will often offer discounts such as good student discounts for those students who maintain a “B” or above grade average.

In addition, car insurance companies will offer discounts to young drivers for attending a Defensive Driving course. Other discounts may be applicable.

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Age Group  26 to 54

For those in the age group of 26 to 54, car insurance rates are based on standard risk statistics. This age group, however, is more likely to have issues with their driving record.

Multiple tickets and/or accidents could make individuals in this age group high-risk drivers once again.

However, with a good driving record, an individual in this age group may obtain competitive car insurance rates.

Though car insurance rates usually do not immediately drop at age 30 or 35, with good driving habits, rates tend to decrease over time between ages 30 to 55.

To further decrease car insurance rates, this age group may take advantage of the discounts offered by their car insurance carrier.

Discounts such as multiple vehicle discounts, good driver discounts and carrying home and auto insurance with the same insurance company will decrease rates.

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Age Group  55 to 65

Those in the age group of 55 to 65 generally have the LEAST expensive car insurance of any age group. By age 55, most drivers are established and have developed good driving habits.

This age group statistically does not receive as many citations as younger drivers.

Providing that the driver does not have a DUI or other issues on their driving record, car insurance rates are the lowest for this age group.

Car insurance companies may offer discounts specific to this age group, as well. Check with your auto insurance company to see if they offer Safe Driver or Senior Driver discounts to further lower insurance rates for drivers in this age group.

Age Group  Over 65

Once individuals reach 65, auto insurance companies tend to assign higher risk evaluations to them. Factors that affect the ability to drive may wane, such as eyesight and reflex time.

According to statistics, drivers over 65 years of age are nearly as likely to be in an accident as those in the 15 to 25 year age group.

Car insurance rates begin to increase with the onset of old age and sometimes, older drivers may be dropped from their insurance carriers.

No matter the age of the driver, to obtain the best car insurance policies and rates, comparison shopping for auto insurance is recommended.

Auto insurance comparison sites offer a quick and easy way to obtain free quotes and compare similar policies between the various auto insurance providers in your area.

Navigate to a car insurance comparison site and enter your zip code. Answer a few questions about the policy type you need.

Enter your ZIP code into our comparison tool and you will receive FREE car insurance quotes to compare rates now!