When does car insurance start to decrease?

June 2, 2017 · Posted in FAQ 
car insurance
Joe asked:

Ok. I know that new drivers get very high car insurance prices.
How long do you have to own your license for before insurance companies stop considering you a new a beginner and start to charge a reasonable price?
Asking this question about UK insurance companies.

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7 Responses to “When does car insurance start to decrease?”

  1. Gemstone on July 23rd, 2009 9:24 pm

    25 years old

  2. mkasmom on July 25th, 2009 3:07 pm

    The big rate drops come at age 21 and 25, or when you get married.

  3. car253 on July 29th, 2009 2:11 am

    It depends on your state and the company.

    In CA your rate drops after you have your license for 3 years as long as you do not have more than 1 point on your DMV record. The CA law then considers you a “California Good Driver” and you get a discount for that. Some states use age as a price drop and some don’t.

    Other price drops depend on the company. You just have to shop around and ask each company this question. And ask about any and all the discounts they offer and how to get them. Remember, Discounts, Discounts, Discounts. They make a huge difference.

  4. caineadam on August 1st, 2009 10:30 am

    Many people receive a drop in their car insurance after they have been driving for a year, with no accidents or claims on their insurance.

    However as people have already stated a huge noticeable decrease in price comes when you turn 21 and yet again at 25.

    Marriage also reduces the cost of insurance, but if you married before 21 it doesn’t decrease by much. Another point that also slightly drops the cost is having a female driver insured on the car as well.

  5. DONALD STEVENS on August 2nd, 2009 6:30 am

    The minimum driving experience is usually 2 years. Every company will charge you differently because they are looking for different customers.,

  6. Paul on August 5th, 2009 8:06 am

    You can compare how the insurance quotes would change, for example here – autoinsurance.undonet.com

  7. Ema I on August 6th, 2009 12:30 pm

    I recommend an online insurance quote. It’s free and quick to do.

    Good Luck!

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