how many year does it take for auto insurance to lower young driver rate?

By car insurance | 20 Comments

if i start at 16

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  1. Comment by N8
    February 26, 2010 @ 5:51 am

    u gotta b 25 no matter wen u start

  2. Comment by Marc M
    February 26, 2010 @ 5:55 am

    its not how many its at what age and i think its 25 or 26 they will lower it for you

  3. Comment by rlc_60504
    February 26, 2010 @ 6:42 am

    It lowers when you turn 25

  4. Comment by takeme2thebnk
    February 26, 2010 @ 6:57 am

    25. That’s the age I’m really anticipating. 18…eghh. 21….it was okay. ……but 25 CHACHING!!!!

  5. Comment by Erudite
    February 26, 2010 @ 7:02 am

    If one is a good driver then it is 3 years. Rates will be lower at 19 years of age.

  6. Comment by 5150
    February 26, 2010 @ 7:32 am

    IF you drive responsibly & don’t act like a jackass throughout your youth, then your rate will be decent around the age of 20.

  7. Comment by jamesnetnizzle
    February 26, 2010 @ 8:00 am

    2 years it only till ur 18th birthday

  8. Comment by Reachel H
    February 26, 2010 @ 8:29 am

    sometimes your insurance will offer good student discounts which is you gotta get good grades and they will lower your rate

  9. Comment by george 2
    February 26, 2010 @ 9:07 am

    Allstate will lower the bill slightly after you have driven 3 years. otherwise yea, either when your 25 or if you get married before then.

  10. Comment by NY213
    February 26, 2010 @ 9:25 am

    At 25 you car insurance rates will dramatically decrease from the rates you were paying before. Over time the further you get away from 25 the less you will pay because of your age

  11. Comment by kendra
    February 26, 2010 @ 9:53 am

    at 19 slightly at 25 verry low

    19 and maried is cut in half

  12. Comment by the taz
    February 26, 2010 @ 10:04 am

    Good luck, you have a long time to go make sure you dont get tickets or accidents and it depends on the kind of car you have at your age if you have a sports car the rate will be higher because of liabilty, if you stay in school the rate will be a little lower (discounts) when you get older the rate will go down a little but you will always have the payment of insurance, if you have a car that has no lien on it you can just get liabilty insurance, which covers the other people if you cause the accident.

  13. Comment by Luke W
    February 26, 2010 @ 10:20 am

    Im not sure if it changes from state to state but 25 years old here in NM. And generally 25 everywhere.

  14. Comment by Joseph L
    February 26, 2010 @ 10:39 am

    You need to have a perfect record and depending on what company you have it should start when you’re 19 and slowly come down each year…..many companies no longer wait till your 25 as that does not give incentive to younger drivers
    I would contact your agent or policy department and ask them how it works…..they will give you greater detail

  15. Comment by David L
    February 26, 2010 @ 10:56 am

    Insurance company told us that now a days boys and girls were the sameon insurance. Both would drive fast and recklessly. Her insurance will not drop until she turns 25 or gets married.

  16. Comment by terrellfastball
    February 26, 2010 @ 11:24 am

    May vary by company, but females usually can get lower rates 18-20 age, males not until 25. Of course, this also depends on your driving record, someone with tickets or accidents can continue to pay high rates until 3-5 years after the last.

  17. Comment by oklatom
    February 26, 2010 @ 12:15 pm

    The biggest drop is age 25

  18. Comment by mrratesjay
    February 26, 2010 @ 12:48 pm

    depends on the company. there is a 20% surcharge for a driver for the first 3 years. Most companies offer some relief at 21 yrs old and then at 25, but for a male the full adult rate is not until age 30 unless you are married then you can qualify for the full adult rate at 25. Females reach full adult rate at 25.

  19. Comment by Firebird
    February 26, 2010 @ 1:04 pm

    Age 25. It’s the brain that becomes different at 25, not experience.

    I have heard that being married makes a difference, but I just wonder if that’s true. It might be an old wives tale.

  20. Comment by Joel L
    February 26, 2010 @ 1:04 pm

    It all depends on your location. In certain states they did away with age being a determining factor in insurance rates so it went from age to years of driving experience so 25 is no longer a definite. Typically you get a large rate drop after three years of driving and it should drop a little bit each year of having your liscense. Pricing varies from each insurance company but 25 is no longer the exact age that auto insurance becomse cheap.

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