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How Does Age Affect the Monthly Rate You Pay for Auto Insurance?

It might seem unfair, but age is a primary factor in determining auto insurance premiums. Statistics prove that those of a certain age are more likely to commit moving violations or get into accidents. Read on to learn how age affects your chances of getting cheap car insurance in Illinois.

New Drivers

A new driver won’t just pay more for auto insurance, but they’ll pay much more. For instance, a 20-year-old male driver will pay a little more than twice as much as a 30-year-old male. That doesn’t seem fair, but it’s backed by statistics. Though teens drive less than adults, they’re more likely to be in serious or fatal accidents. It’s largely because of inexperience; young drivers are less likely to buckle up and more likely to tailgate or speed. For these and other reasons, young drivers pay more for auto insurance.


Auto insurance rates start to decline at approximately age 20. The extent of the decline depends on various factors, including a person’s driving history and experience. Car rental agencies typically do not allow drivers under 21 to rent cars, and they charge more if you’re between 21 and 24. In the 20-24 age group, auto insurance premiums decrease but only slightly.

Age 25 to 30

This is the age group in which you can finally get cheap car insurance in Illinois. Using the example from above, the male driver will save more than half on his premiums by the time he turns 30. Of course, the extent of the decrease depends on the cleanliness of the driver’s record as well as the type of car they’ve chosen. Geography is yet another crucial factor as rates vary widely from one city to another. From here, insurance rates stay much the same until you reach the age of 60.

Though it seems discriminatory to pay more for auto insurance simply because of your age, there’s sound reasoning behind the practice. By comparing quotes and keeping a clean record, you can still get cheap car insurance in Illinois. Visit https://www.accurateautoins.com/ to learn more or call Accurate Auto Insurance to request a quote.