Does car insurance go down at 25 with GEICO?

Yes, car insurance goes down at 25 with GEICO, since 25-year-olds are no longer considered as high-risk as younger drivers. Turning 25 years old saves drivers an average of 8.53% on a GEICO policy, based on quotes for ZIP codes across the country.

Teenage drivers are considered the highest risk customers for insurance companies, since they are particularly likely to get into a serious car crash. As a result, car insurance premiums generally decrease every year from your 16^th birthday until your 25^th.

Car insurance is usually priced per six-month policy, though, so don’t expect an instant reduction on the morning of your birthday. Instead, your base premium will likely decrease when you renew your policy after having turned 25 years old.

Just bear in mind that due to other circumstances, some drivers do not pay less after their 25^th birthday. Age is only one factor that affects car insurance rates, so the standard decrease could be counteracted by things like a more expensive vehicle or a history of violations.

Why Your GEICO Insurance Might Not Go Down at 25

If you turn 25 years old and buy a fast, new sports car, your premiums will likely increase despite your age. Similarly, new drivers are expensive to insure at any age. Getting insurance with a brand-new license will be less expensive at 25 years old than at 16, but your policy will still cost more than it would for someone with driving experience.

Finally, drivers with a history of tickets, claims, and at-fault accidents might not see a decrease at all when they turn 25. In fact, high risk drivers could pay more for insurance, even after turning 25, if they add more violations to their record.