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At what age does an adult enter a “hazardous” driver bracket?
I know young drivers often pay more for insurance because they’re inexperienced. But, I’ve also heard that older drivers can see increased rates. How old does a driver need to be to experience a rate increase?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Since insurance is risk-based, drivers over 65 are considered hazardous and often see rate increases.
If you have a clean driving record, your rate will be the lowest between the ages of 25-60. Once you’re over 60, insurance companies tend to rate your policy higher due to risks associated with aging. Insurance companies assume you’re more likely to get into an accident or file a claim as you get older.
That said, rates vary between companies, so there’s no guarantee you’ll see a rate increase immediately after entering your 60s or turning 65. Several factors influence insurance rates, including:
- Location
- Driving record
- Discounts
- Type of car
- Type of coverage
The easiest way to determine your car insurance rate is by shopping around at the end of every policy term. Rates change frequently, and by shopping around you can guarantee you’re always getting the best rate, even as you age.
If you’d like help gathering quotes, use
Jerry
. The Jerry app collects quotes from over 50 top insurance companies, like Nationwide and Travelers, in seconds. The average user saves $879 a year. Jerry automatically reviews your policy every six months to ensure you’re getting the best rate. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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