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Yes, car insurance typically goes down at age 25 for experienced drivers with good driving records. Drivers can usually expect to pay 12% to 20% less for car insurance coverage starting at age 25, since 25-year-olds are no longer considered as high-risk as younger drivers.
How Car Insurance Rates Change by Age
| Age | Average Rate | Decrease From Prior Year |
| 16 | $2,845 | N/A |
| 17 | $2,585 | 9.1% |
| 18 | $2,421 | 6.3% |
| 19 | $1,699 | 29.8% |
| 20 | $1,587 | 6.6% |
| 21 | $1,361 | 14.2% |
| 22 | $1,257 | 7.6% |
| 23 | $1,189 | 5.4% |
| 24 | $1,129 | 5.0% |
| 25 | $1,042 | 7.7% |
| 35 | $870 | 16.5% |
| 45 | $844 | 3.0% |
Note: Quotes based on average rates from the largest insurance companies in California
Car insurance goes down at 25 years old because drivers at that age are considered more mature and experienced than younger drivers. Age is one of the most important factors in determining your car insurance rate, and since your risk as a driver lowers as you get older, your premiums will typically lower as well. However, you can still be considered high-risk in other ways, including if you have citations or accidents within the past three years, have recently received your license, or own a high-powered sports car.
If you’ve just turned 25 year old and have maintained a good driving record, you should reach out to your car insurance company before renewing your policy and ask them to recalculate your premium. But even if you don’t qualify for an immediately lower rate, there are steps you can take toward paying less for car insurance in the future. For example, if you’re confident that you’re a good driver, signing up for programs like Progressive Snapshot or Allstate Drivewise that track your driving habits can lower your premium over time. You should also make sure that you’re receiving every discount that you qualify for and that you’re regularly shopping around for car insurance, so you’re always getting the best deal possible.
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