How Your Driving Experience and Age Affect Your Car Insurance Costs

Young, inexperienced drivers end up paying more for auto coverage.

When your insurance provider calculates your auto insurance rates, they will look at a variety of personal factors.  Two of the factors that will influence your premium calculations are your driving experience and age.  Here’s how these things will influence your coverage costs.

  • Inexperienced Drivers

Auto insurers assume that the more driving experience you have, the less likely you are to get into a car crash.  Unfortunately, this means that inexperienced drivers are considered a higher risk to insure.  Even if they have never been in an accident before, inexperienced drivers are more likely to be charged more for their auto insurance as compared to a driver with a long history of safe driving.

  • Young Versus Older Drivers

Young drivers obviously have less experience than older drivers.  However, this is just one reason why younger drivers are charged more for auto insurance.  Young drivers might also experience high insurance costs because they are considered more likely to display unsafe driving behaviors.  While not every young driver is reckless on the road, insurers across the board will charge more for young drivers to protect themselves just in case.

Keep in mind that older drivers can also pay more for insurance.  Eventually, older drivers will start to see an increase in their rates as their insurers start to feel concern about their ability to operate a car safely.  A good way to think about it is that drivers under the age of 25 and over the age of 65 are more likely to pay more for auto coverage.

  • Importance of Having an Insurance History

Even if you are no longer considered a young driver, you can still up paying high rates for your auto insurance if you do not have a consistent insurance history.  For instance, if you are 35 and have had auto insurance in the past but have not maintained your coverage, then you will be considered a risky driver.  Because auto insurers rely heavily on your claims history to determine what kind of driver you are, the absence of an insurance history will automatically make your insurer wary.  To protect themselves, they will charge you more for coverage—sometimes as much as a brand-new driver.

In conclusion, your driving experience plays a significant role in how your insurance premiums are calculated.  Fortunately, by maintaining a clean driving record, younger and inexperienced drivers can lower their rates over time.  Do you have questions about your auto insurance rates?  Then give our knowledgeable Total Protection Team a call at 951-600-5751, send an email to, or stop by our Murrieta, California office today.  We are always happy to help!