How Age Affects Auto Insurance Rates
Younger drivers pay significantly more. See how rates change with age.
Annual Premium by Age in California
Age 16$5,250/yr
+150% vs age 25
Age 18$4,410/yr
+110% vs age 25
Age 21$3,150/yr
+50% vs age 25
Age 25$2,100/yr
0% less vs age 25
Age 30$1,890/yr
10% less vs age 25
Age 40$1,785/yr
15% less vs age 25
Age 50$1,848/yr
12% less vs age 25
Age 60$1,995/yr
5% less vs age 25
Age 65$2,100/yr
0% less vs age 25
Age 70$2,415/yr
+15% vs age 25
Key Insights
- • Teen drivers (16-19) pay 70-150% more than adults
- • Age 25 is the magic number when rates drop significantly
- • Ages 30-50 typically get the best rates
- • Seniors (65+) see gradual rate increases
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