Does a new driver over 25 pay as much as a new younger driver?

"I was first licensed when I was 26 and have been driving for two years. I want to get my first car and want to know what my insurance rates will be. I live in Chicago and haven't had any tickets."

“Insurance companies view older, new drivers just as high risk as younger, new drivers. The reason why older drivers have better rates is typically because they’ve been driving longer.
Older drivers are often able to prove to insurance companies that they’re reliable. A new driver hasn’t had that experience, so insurance companies are taking on more risk by insuring them.
Additionally, since you live in a large city, your rates will normally be higher than a suburb or smaller town.
To find out what your rate will be, you’ll want to request car insurance quotes from different carriers. This will give you a good idea of how much you’ll be paying in car insurance.
While your rates may be high to begin with, your rates should begin to decrease if you maintain insurance and a clean driving record.”
Emily Maracle
Answered on Jul 26, 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.

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