Do your car insurance rates really fall when you turn 25?

My husband and I are both turning 25 soon. I've always heard that when you turn 25, your rates are lower. Is this always true, or is it dependent on other factors?

Answer provided by
Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“While your car insurance rates can start to fall when you turn 25, there are other factors that impact your rate more. The length of time you’ve been licensed and whether you have a clean driving record tend to impact your rate more than just your age alone.
If you have accidents and tickets on your record, your rate isn’t guaranteed to drop at 25. However, if you have a clean record, have been driving since the age of 16, and have had insurance continuously, you may see a drop in your rate.
Should you turn 25 and not notice a rate change with your current insurance company, it may be worthwhile to do some comparison shopping with other carriers. Gathering car insurance quotes online is a great way to see if you can score a lower rate. “

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