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Last Updated November 2025
- Car insurance rates typically drop for drivers with a clean driving record by age 25. For teen drivers, the decline can start within a few years of getting licensed.
- Rates are highest for young and new drivers because data shows they are involved in more accidents.
- The lowest rates tend to be for drivers with a clean driving record from about 30 to 60 years old.
- Rates may start to edge upward again starting at around 60 or 65 because data shows risks can rise with age.
- Although age is important, your driving history, where you live, the kind of vehicle you drive and discounts also affect your insurance costs.
Auto insurance rates are highest for teens and brand-new drivers, who are considered the riskiest group on the road. Drivers who avoid crashes and tickets can see rates start dropping by their late teens and by 25, many may see significant savings. Safe drivers may see decreases continue through their 20s. Rates tend to be lowest in midlife, when accident frequency is lower.
Factors beyond age that affect auto insurance costs
Age is important when it comes to car insurance, but insurers consider a range of variables when they calculate your premium. Among them:
- Your driving history. Accidents and tickets may wipe out any savings for age and experience. Some studies show a single at-fault crash can raise premiums 40% or more. Multiple violations can classify you as high-risk.
- What you drive. Policies covering sports cars often cost more because high speeds increase crash damage and insurance claims. Sedans and SUVs with strong safety ratings typically are less expensive to insure.
- Where you live. City drivers often pay more than rural drivers because traffic congestion leads to more accidents and because theft is more frequent.
- How much you drive. More miles often mean higher costs, while low-mileage discounts reward drivers who stay under about 7,500 miles annually.
- Your credit rating. Maintaining a strong credit history may help you save on insurance costs in many states.
- Discounts and safe driving programs. Multi-policy bundles, good driver rewards, telematics-based driving programs and safe-driving courses can lower premiums at any age
Learn more about Farmers® car insurance discounts
How does gender affect car insurance rates?
Young male drivers typically face higher premiums than young female drivers, because data shows young men have higher accident rates. The safety features of modern cars have narrowed this gap, and the gender difference also decreases with age. In some states insurers are prohibited from using gender as factor in setting car insurance rates.
According to the Insurance Information Institute (III), “Statistically, women tend to get into fewer accidents, have fewer DUIs and have less serious accidents than men. So all other things being equal, women often pay less for auto insurance than their male counterparts.”
Tips for keeping your car insurance costs down at any age
- Keep a clean driving record.
- Compare rates regularly across insurers.
- Take advantage of discounts.
- Choose safe, reliable vehicles.
- Adjust your coverage as your needs change.
Dive deeper with Farmers® Auto Insurance 101
FAQs about age and auto insurance rates
Does car insurance always go down at 25?
Not always. Accidents and moving violations can wipe out any age- and experience-related decrease.
But many drivers typically see a noticeable decrease by the time they’re 25 if they have a clean record. Many insurers gradually lower premiums starting in the late teens or early 20s for drivers who keep their driving record pristine and gain experience. Data suggests that insurance rates decline year by year before the steeper drop commonly seen at 25, and rates may continue to decrease until about age 30.
At what age are auto insurance rates lowest?
Typically, between the ages of 30 and 60, when accident rates also are the lowest.
Do rates always increase for seniors?
Many insurers raise rates for older adults, starting around age 60 and especially after age 70, as reflexes, vision and reaction times can diminish over time. But driving history and location also play a role. Some seniors maintain low rates if they drive infrequently, have excellent driving records or qualify for mature-driver discounts.
Where can I find out more about teen driving safety and insurance?
Farmers can help:
- Read Farmers guide to teen driving and insurance.
- Download Farmers teen driver safety quiz and a parent-teen driving agreement.
- Check out the CDC’s list of eight high-risk driving danger zones and what parents can do to work with their teens to reduce the risks.
See policy for exact details. In the event of a conflict, policy language prevails.
The information contained in this page is provided for general informational purposes only. The information is provided by Farmers® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.
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