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At what age will my insurance rates go down?

"Will my car insurance rates go down as I get older? I am 20 years old and live in Illinois. My car insurance is around $125 a month for my 2016 Nissan, and I really need it to be cheaper."

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes! As you gain driving experience, your rates will start to decrease. You will no longer be considered a “youthful operator” once you turn 25.
We all want
cheap car insurance
, and there are ways to lower your rate in the meantime. Inquire with your insurance carrier about the following discounts:
  • Driver training/Defensive driving discount
  • Good student discount
  • Discounts for safety features
  • Club or fraternity/sorority affiliation discounts
If you are still not satisfied with your rate after your policy review, it might be time to shop for new
car insurance quotes
. Downloading the free
Jerry
 app is a great place to start! Jerry is a licensed broker that gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.”
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