Do car insurance rates decrease the longer I've had my license?

I'm 18 and I've only had my license for two years. Can I expect my car insurance rates to decline over time?

Answer provided by
Sophie Newman
Answered on May 24, 2021
“Yes, your car insurance rates will typically decrease the longer you’ve had your license, especially after the first few years.
In many states, if you’ve had your license for less than three years, you’re going to have to pay an inexperienced driver’s surcharge. This is because driver history is one of the many factors that car insurance companies use to determine your rates.

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