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How much do I have to pay for car insurance?
I am 25 but only recently started driving. How much do I pay for car insurance?
Rachel Juillerat · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Insurance premiums tend to vary on a case-by-case basis, but insurance companies tend to use these traits to help them determine your insurance premiums:
- Geographical location: You are likely to pay more if you live in a large city or other high traffic area.
- Age: Teenagers generally have to pay more than someone over the age of 25.
- Credit score: A high credit score can reduce your premium.
- Type of car: Luxury or sports vehicles are going to cost more to insure, no matter the type coverage.
- Time on the road: Driving experience is gained over time and can lower your premium.
Since you are less risky to insure than a teenager but do not have much driving experience, your credit score, geographical location, and type of coverage are going to weigh more heavily in determing your premium.
As you gain more experience driving and keep a clean driving record, your premium will likely go down over time, so don’t panic if it seems high right now.
That said, there are ways to save. Many large insurance companies offer discounts like:
- Defensive driver discount
- Telematics discount
- Multi-car discount
- Safety features discount
- Alumni association discount
- Professional organization discounts
If insurance is still unaffordable even after these discounts, then it might be best to shop for a new deal. The choices can seem overwhelming, but getting help from
Jerry
can make getting the right policy for a lower price painless. Jerry collects quotes from the top insurers and helps with the paperwork for free.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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