How Your Age and the Amount You Drive Impact Your Insurance Cost

Auto insurance rates often differ significantly from one driver to another. Two factors that influence the amount you pay are your age and the frequency of your driving.

How Age Influences Auto Insurance Rates

Insurance companies often use age as a key indicator of driving experience and risk. Younger drivers usually face higher premiums because they are statistically more prone to accidents. As drivers gain experience and demonstrate safe habits over time, their rates typically decrease.

Middle-aged drivers usually enjoy lower insurance costs, as they tend to have more experience and fewer claims. However, rates may rise again for older adults once reaction times and vision start to decline. Taking defensive driving classes and maintaining a clean driving record can help keep costs manageable.

How Other Factors Affect Your Insurance Cost

Age is only part of the equation. Insurers also often look at how much you drive each year. Arizona drivers who commute long distances or frequently take road trips are at a higher risk of accidents or wear-related vehicle damage, which can lead to increased premiums.

Additional factors include your driving history, vehicle type and location. A driver with a history of traffic violations or accidents will likely pay more than someone with a spotless record. Vehicles with high repair costs or strong performance features can also lead to higher rates. On the other hand, a reliable car equipped with safety features may qualify for discounts.

Contact Us

Our team at Best Buy Auto & Home Insurance Agency Inc can help you get suitable coverage at a favorable rate. Contact us today to get a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.