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Do car insurance rates decrease the longer I've had my license?
I'm 18 and I've only had my license for two years. Can I expect my car insurance rates to decline over time?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, your car insurance rates will typically decrease the longer you’ve had your license, especially after the first few years.
In many states, if you’ve had your license for less than three years, you’re going to have to pay an inexperienced driver’s surcharge. This is because driver history is one of the many factors that
car insurance
companies use to determine your rates. “
View full answer
- Gregory R.
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