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Threshhold for a Young Driver

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/30/2018

Q: I just turned 20, but my car insurance didn’t go down. How much longer am I considered a young driver?

A: Sorry, you have a long way to go. You are no longer considered a young driver once you turn 25. This probably wasn’t the answer you wanted to hear with how high your car insurance is being a young driver, but there is not much you can do. Unfortunately, accident statistics are against you as they consistently show that drivers under the age of 25 are more likely to have an accident than any other age group.

There are ways to help soften the effect being a young driver can have on your car insurance rates, though:

  1. If you are a student keep your grades high.
  2. Pay attention to your credit score.
  3. Don’t drive a high priced or high-performance vehicle.
  4. Try and stay on your parent’s insurance policy as long as possible.
  5. Don’t get any tickets or accidents.

However, even when you turn 25 don’t expect an earth-shattering decrease in your insurance premium. You just won’t be rated as negatively once you are no longer a young driver, which will help your rates.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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