How age affects auto insurance

Age is one of the most important factors in determining your car insurance rate. While this may seem unfair because there are good drivers in every age group, insurance data shows younger drivers are more prone to have an accident or take risks on the road. Experienced drivers are less likely to have accident claims, which means they'll cost less to insure. At Progressive, rates tend to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. Once you reach 75, your rate may begin trending upward, as Progressive data suggests drivers above this age are riskier to insure.

Average rates by age

Chart represents Progressive Personal Auto policies sold countrywide from January 2017-June 2017. See rates info as a table.

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Teenage drivers

We know that young and inexperienced drivers are a cause for concern on the road and to their parents' wallets. But adding a teenage driver to your existing policy is usually more affordable than having them get their own policy. At Progressive, we offer a Teen Driver Discount and a Good Student Discount to help offset the costs of insuring a teen driver.*

See more on car insurance for teens.

Senior citizens

Insurance rates are the lowest for middle age drivers, but in most states senior citizens should expect an increase in car insurance even with a great driving record. Despite years of experience behind the wheel, Progressive data shows that drivers 75 and over are more prone to accidents, which translates to higher rates. The good news is that seniors typically spend less time on the road which—along with driving safely—could mean savings through Progressive's Snapshot program.

Not ready to switch to Progressive? Take the Snapshot Road Test® and see what you could save without leaving your current insurer.