Drivers aged 16-19 face the highest premiums, as they’re considered high-risk due to inexperience.
Ages 20-25 see slight reductions but still higher rates compared to older age groups.
Ages 30-50 usually enjoy lower premiums due to experience and stable driving histories.
Where you live influences your rate—states like Michigan and Louisiana have notoriously high insurance costs.
A 20-year-old in Florida might pay more than a 30-year-old in Texas, due to both state and age factors.
City drivers often pay more because of higher accident rates compared to rural areas.
Some states consider gender, making male teens pay more than females for the same coverage.
In states that allow it, good credit can result in lower monthly costs.