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."

“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.”
Shannon Martin
Answered on Jul 28, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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