What age does car insurance go down?

Age is one of the most important factors in determining your car insurance rate. This may seem unfair because there are good drivers in every age group, but younger drivers are generally more likely to have accidents or take risks on the road. Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

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Birthday cake with numbered candles that read 25

Does car insurance go down at 25?

Usually, yes. At Progressive, rates drop by 9% on average at age 25. But there are other cost factors impacting your car insurance, such as your claims history. So if you're in an accident right before you turn 25, your rate may not drop.

Average car insurance rates by age

AgeRate & change
17 and underRate & change$206
18Rate & change$230 (+12%)
19-20Rate & change$203 (-12%)
21-22Rate & change$176 (-13%)
23-24Rate & change$153 (-13%)
25-29Rate & change$136 (-11%)
30-34Rate & change$127 (-6%)
35-39Rate & change$124 (-2%)
40-44Rate & change$122 (-2%)
45-49Rate & change$120 (-1%)
50-54Rate & change$111 (-8%)
55-64Rate & change$100 (-10%)
65-74Rate & change$96 (-3%)
75+Rate & change$101 (+4%)

Note: Table represents car insurance rates by age based on Progressive Personal Auto policies sold countrywide from September 2020 to August 2021.

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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 typically the lowest for middle-aged drivers, but car insurance costs for seniors may increase, even for those with a great driving record. Despite years of experience behind the wheel, older drivers can be more prone to car accidents due to physical, cognitive, or visual impairments, which may translate 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.

Learn more about ways to get cheaper car insurance.

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