What age do your car insurance rates start to go up again?

Is there an age that they start to go up again? I know that usually rates reduce at 35.

Answer provided by
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Emily Maracle
Answered on Jul 16, 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 every car insurance company is different, most people can expect their rates to rise again when they are 70 or older. This is because accidents and claims tend to increase after age 70.
However, your rate is determined by a multitude of factors, such as:
  • your driving history
  • where you live
  • age
When you turn 70, you may not see a huge increase in your insurance if you’ve had a clean record or live in an area with low accident rates.
In some cases, even with a clean record, you may see an increase in your rate due to claims in your area. If drivers that are your age are getting into more accidents and submitting claims, your insurance could increase by default.”
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