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Car insurance over 10 years olds

For ballpark estimates on your car insurance rates, or to find out how, why or how much your car insurance will go up or down after a ticket or a change of address, we have several helpful articles and car insurance calculators.

CarInsurance.com’s average car insurance rates tool provides average auto insurance rates for nearly every ZIP code in the U.S. It allows motorists to explore comparative rates within their own city or across the nation.

The "How much car insurance do I need?" tool can suggest what level of coverage is best for you, based on your age, the state you live in, your car's model year, whether you own or finance your car, and whether you own or rent your home.

By their nature, averages and estimates don't apply specifically to you. For that, you can use our online quote comparison tool and get matched with multiple car insurance providers, who will give you a quote, or you can call one of our licensed insurance agents at 855-430-7753.

But you may simply be looking ahead to a new car, a marriage or a move across town and wonder about the consequences. We advise that you check car insurance rate quotes before making life changes, so you'll be aware of how your premium may change and can budget for it appropriately, or switch to a provider that offers a better price given your new situation.

Below are answers to some of the most common questions about the factors affecting your car insurance rate.

How much does my age affect my car insurance rates?

Auto insurers penalize inexperience rather than age. Of course, the vast majority of inexperienced drivers are teenagers. Rates for 16-year-olds can double or even triple their parents’ car insurance annual premiums.

The less experienced the driver, the higher the rates. Among drivers with clean records and no accidents, no other factor changes rates more.

Statistically, inexperienced drivers crash – a lot – and so they are the riskiest category of drivers to insure. Car insurance rates reflect this high risk.

The inexperience penalty drops slowly until about year 10. As an example, this is what the inexperience surcharge for basic bodily injury liability coverage looks like at one California car insurer during the first decade of driving:

ExperienceBodily injury base rateInexperience surchargePremium
0-1 year $189.56 2.172 $411.72
2 years $189.56 1.945 $368.69
3 years $189.56 1.789 $339.12
4 years $189.56 1.669 $316.38
5 years $189.56 1.324 $250.98
6 years $189.56 1.299 $246.24
7 years $189.56 1.1 $208.52
8 years $189.56 1.059 $200.74
9 years $189.56 1.059 $200.74
10 years $189.56 0.946 $179.32

If you keep a clean record after age 25, rates typically stay relatively stable until you become a senior driver, when crash rates go up and premiums begin to rise again.

Does my address affect what I pay for insurance?

If you live in a highly populated urban area, congestion, accidents and insurance claims are more prevalent. Living and driving in a metro area will make your rates higher than if you live in a rural area, where having an auto accident is less likely.

Car insurance companies look at factors such as the rate of stolen cars in your area, and the number of cases of vandalism, claims and fraudulent claims. All of this helps insurers discern the risk associated with insuring you and your car in that ZIP code, whether you ever have made a claim or not.

All other factors equal, your ZIP code can change your rate by hundreds of dollars.

Are some cars cheaper to insure than others? Why?

Auto insurers track which cars have the most wrecks and the worst injury records. Those factors impact the cost you pay for liability insurance -- which covers the damage you cause to others.

Insurers also know which cars are expensive to buy, expensive to repair or more easily stolen. Those factors drive up the cost of collision and comprehensive coverage, which repairs or replaces your own car.

The calculations about the risk of a certain car are made independently. For example, if you are an inexperienced driver in a car with a poor claims record, you are penalized twice. A more mature driver in the same car would pay a surcharge for the car, but not one for inexperience.

Insurers can also choose not to cover certain types or brands of cars. For example, some won’t insure a lifted pickup truck, a kit car or certain exotic cars.

How does my marital status affect my car insurance rate?

Married couples have been found to have fewer accidents and claims than single drivers do.

Rates can be from 5 percent to 15 percent lower for married couples just because of their marital status. But there are also other discounts married couples can look forward to when they combine their policies, such as a multicar discount, or a multipolicy discount if they have a renters or homeowners policy with the same insurer.

An insurer considers you single if you have never been married, or are widowed or divorced.

How much does my driving record impact my car insurance rate?

Your driving record is paramount to your car insurance company. Safe drivers get a discount from standard rates for keeping a clean driving record. On the flip side, individuals who have a moving violation (speeding or a DUI, for example) or an accident on their motor vehicle record are more of a risk and can face a surcharge on top of standard rates.

If you have enough violations or accidents, you can become uninsurable according to some car insurance companies’ underwriting rules. For example, some insurers reject anyone with four or more chargeable accidents in three years, or more than three DUIs in seven years, or more than 15 points on the driver’s motor vehicle record.

In general, a minor violation such as a speeding ticket can boost your rates 20 percent to 40 percent. You may not be surcharged for the actual ticket, but will lose your good-driver discount. If you have a major violation like a DUI, your rates can go up 100 percent or more. The more risk you appear to be to your auto insurer, the more you will pay.

How much does my commute matter?

You car’s annual mileage is a rating factor for many car insurance companies. The less you drive, the less risk you have of being in an accident. Also, how far you drive for your commute lets the insurer know what kind of risk you are during the congested, high-risk hours.

Your insurer can also use the length of your commute to determine if you head into a metro area from your rural or suburban home. If you live outside of Los Angeles, but your commute is 30 miles, your insurer can predict that although your local area is low-risk, your commute into the heart of a very populated metropolitan area pushes your risk factor much higher.

Why should my credit history count?

Insurance companies routinely check your credit rating as part of your application process, except in California, Massachusetts and Hawaii, where state law prohibits credit from being a pricing factor.

Credit scores help the insurance companies assess the risk level of a potential customer. Research has shown that those with lower credit scores (typically under 600) are more likely to file claims, file exaggerated claims, or even commit insurance fraud.

Those with low scores may face a surcharge. Rates for those with higher scores are typically unaffected.

Your credit score can also affect how an insurance company allows you to pay for your policy, since statistics show that people with lower credit scores are more likely to miss a payment. Customers with very poor credit scores may be required to pay the entire premium for a six-month policy up front. Customers with low credit scores sometimes won’t qualify for monthly billing, or they may need to pay a large percentage of the policy up front and the remainder monthly.

Are some types of coverage more expensive?

There are several types of car insurance. The more coverage you get, the more you will pay. If you get a bare-bones liability policy that covers only what the state requires, your car insurance costs are going to be less than if you bought coverage that would repair your own car, too.

Liability coverage tends to cost more because the amount the insurance company risks is higher. Coverage for collision and comprehensive insurance is limited by the replacement cost of the car itself. But medical bills and multiple-car accidents could push a liability claim into the hundreds of thousands of dollars.

If you don’t have enough liability coverage, you could be sued for the difference by anyone you injure.

Comprehensive and collision damage is affected by the deductible you choose. The higher the deductible, the less the insurance company will have to pay -- and the lower your rates.

Medical coverage, such as uninsured motorist bodily injury, medical payments or personal injury protection (PIP), will cause your rates to go up. Without some kind of medical coverage, if you don’t have health insurance elsewhere, you might not be able to pay for treatment if you are injured in an accident you caused.

Is there any difference between insurance companies?

Insurance companies must follow state laws, but within those laws they price coverage based on their own underwriting rules and guidelines. One insurance company may look at your driving record for five years, another only for three. The surcharge for a speeding ticket may raise your insurance by 10 percent with one carrier but only 5 percent with another.

You should shop around and get quotes from several carriers. Make sure you are comparing apples to apples -- the same coverages with each insurer -- and check the reliability and financial stability of the insurance carrier.

Finally, make an informed decision about who you want to be insured with for the best price and protection. Don’t let a small savings drive you away from an insurance company you know and trust.

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Hit the road with the right car insurance policy

Auto insurance is a must if you own a car. Most states require you to carry insurance, and without it, you face financial disaster if you cause a serious accident and get sued.

Car insurance can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen.

Car insurance coverage types

One policy can include several types of coverage.

Liability insurancepays for others' damage and injuries when you cause an accident. Most states require you to carry at least a minimum level of bodily injury and property damage liability coverage. See states minimum car insurance requirements.

The coverage limits are expressed as three numbers. Limits of 25/50/25, for example, would provide up to $25,000 per person injured in an accident, up to $50,000 of coverage for injuries per accident and $25,000 for property damage per accident. Remember, liability insurance pays out to other people; it does not cover you, your passengers or your car.

Personal injury protection (PIP) or medical payments (MedPay) coverage pays the medical bills for you and your passengers after a car accident, regardless of who caused the crash. PIP also covers lost wages and funeral costs. Some states require you to buy PIP or MedPay.

Uninsured motorist (UM) and underinsured motorist (UIM)comes to the rescue if you're hit by a driver who has no insurance or not enough coverage. UM pays your medical bills if you're injured in an accident caused by an uninsured driver. UIM kicks in if your medical expenses exceed the other driver's liability coverage limits. UM and UIM are required in some states.

Uninsured motorist property damage (UMPD)covers your car if an uninsured driver hits you, but the coverage isn't available in every state. Roughly one in eight drivers is uninsured, according to a 2014 Insurance Research Council report.

Collision coverage pays to repair your own vehicle after a crash. It's an optional form of coverage, although your car-loan lender might require you to have it. Collision will kick in if you hit a tree, for example. Or, if an uninsured driver hits you and you don't have UMPD, you could make a collision claim for your car's repairs. Any collision payment will be reduced by the amount of your collision deductible.

Comprehensive coverage has a misleading name because it applies only to certain circumstances. It pays out if your car is stolen (and not recovered) or damaged by a natural disaster, if you hit an animal or if your car is vandalized. Like collision, comprehensive is optional, but your lender might require it. Here too, a comprehensive claim payment will be reduced by the amount of your deductible.

Roadside assistance and other extras can come in handy in a pinch. Roadside assistance covers towing and emergency roadside service when your car breaks down. Rental reimbursement pays for a rental car while your car is in the shop after a covered accident. Gap coverage kicks in if the insurer declares your car a total loss, and the payout from the insurance company for the vehicle's actual cash value is less than the amount you owe on the car loan. See: Save yourself some car insurance grief: Buy gap coverage.

How car insurance rates are set

The price you pay for car insurance depends on the type and amount of coverage you buy, the deductible for collision and comprehensive insurance, the kind of vehicle you own and the characteristics of you and the other drivers listed on the policy. Here are the most and least expensive 2016 vehicles to insure.

Factors that insurers generally consider when setting your rate include:

  • Your driving record. Speeding tickets and other infractions increase premiums.
  • Your accident and claims history. There's no point trying to hide your previous problem. Insurers will access your C.L.U.E. report to find out your claims for the past seven years.
  • Your credit record. A good credit history helps keep premiums low. Insurers say there is a link between spotty credit history and the likelihood of filing claims. Not all states allow credit to be a factor in auto insurance pricing.
  • Your age. Rates are highest for teenagers because they are risky drivers. Their crash rate per mile driven is about three times that of drivers age 20 and older, according to the Insurance Institute for Highway Safety. Rates begin to drop around age 25, and you'll likely enjoy the best rates in your 50s and early 60s.
  • Your sex. Young women usually qualify for lower rates than young men, but the difference diminishes with age.
  • Where you live. Car insurance rates vary widely by state and also by ZIP code. Insurers base rates on where the car is garaged.
  • How much you drive. Your daily commute and annual mileage will affect your rate. The more your car is on the road, the greater your chance for a claim.

Shopping for auto insurance

Consider your assets when deciding how much liability insurance to buy. The state minimum requirements for coverage are too low for many people. Collision and comprehensive insurance are important for newer vehicles but usually aren't cost-effective for clunkers.

Shop around for car insurance quotes - rates, policy options and customer service vary by insurer. Insure.com's customer satisfaction ratings reveal which insurers get the highest marks.

And make sure you take advantage of discounts in order to lower your bill. Typical discounts include those for multiple vehicles on a policy, auto safety features, antitheft devices and good students. You might also be able to get a discount for paying in full, buying home insurance with the same insurer, or being a customer for a few years or more.

Do you need PIP or MedPay coverage? By Penny Gusner, Insure.com / Apr. 3, 2017 RELATED ARTICLES
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More articles Do you need PIP or… Veterans and military guide to… Are insurance settlements taxable?

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Below are some of the questions often asked by customers. We hope the answers will be helpful to you

Q.1 How can I pay – annually or in interest-free monthly instalments?
Q.2 What are hidden admin fees?
Q.3 Will I have to pay any additional charges or fees once I have paid the premium?
Q.4 Who is eligible for Age UK Car Insurance and can younger drivers be included on the policy?
Q.5 What is 'No Claims Discount'?
Q.6 Can I protect my 'No Claims Discount'?
Q.7 What do I do if I have an accident?
Q.8 Will I get a courtesy car during repairs?
Q.9 Are the repairs guaranteed?
Q.10 Is Motor legal protection cover available?
Q.11 Is Motor Breakdown cover available?
Q.12 What if I change my mind?

Q.1 How can I pay – annually or in interest-free monthly instalments?

A. You can pay in full by credit or debit card, by cash, cheque or postal order, or pay monthly at no extra cost (0% APR Representative).

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Q.2 What are 'hidden admin fees'?

A. 'Hidden admin fees' can include adjustment fees, cancellation fees and duplicate document fees. Some companies also charge interest (APR) for paying monthly. On top of this, some may charge a 'Direct Debit fee' for monthly payments. Age UK Car Insurance does not charge any hidden admin fees. Age UK Car Insurance allows you to pay monthly at no extra cost (0% APR Representative). There are also no fees for policy amendments, cancelling your policy or getting duplicate copies of your policy documents.

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Q.3 Will I have to pay any additional charges or fees once I have paid the premium?

A. There are no hidden admin fees. This policy will not make you pay an additional administration fee when you make a change to your policy. Things like requesting a duplicate motor insurance certificate are free. An additional premium will only be requested if your change affects the premium required for the risk (an example of this would be 'adding an additional driver'). Where this is less than £10, a request for additional payment will not be made nor a refund issued.

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Q.4 Who is eligible for Age UK Car Insurance and can young drivers be included on the policy?

A. Although this insurance is designed with the over 50s in mind, there is no age restriction to apply.

Younger named drivers can be included on the policy, subject to acceptance by the insurer.

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Q.5 What is 'No-Claims Discount'?

A. This is a discount on your car insurance premium. You can receive this if you have not made any claims against your policy, or if you have made a claim and your insurer has made a full recovery of costs from the Third Party. This discount grows with time based on the number of years you have been claims free.

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Q.6 Can I protect my 'No-Claims Discount'?

A. You will be automatically be given Protected No Claims Discount if you have at least four years No Claim Discount or have not made more than 1 fault claim in the past 3 years. No Claims Discount Protection allows you to have up to two claims in three years without affecting your No Claims Discount. It does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. Other factors can also increase the price of your policy.

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Q.7 What do I do if I have an accident?

A. Simply call the accident helpline on 0345 601 6687 or +44 2380 621983 if calling from abroad, it is open 24 hours, 365 days a year. Friendly staff will do all they can to help you avoid any further stress or worry.

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Q.8 Will I get a courtesy car during repairs?

A. Yes. As long as you have comprehensive cover, the insurer Ageas Insurance Limited, will provide a courtesy car in the event of an accident or when recovered damaged following a theft, whilst repairs are being carried out by an approved Ageas repairer. A courtesy car will also be provided for up to 14 days should your car be stolen or written off.

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Q.9 Are the repairs guaranteed?

A. All repairs are guaranteed for up to three years, provided that they are carried out by one of the insurer's approved repairers.

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Q.10 Is Motor legal protection cover available?

A. Yes, you can take Motor legal protection cover that includes a 24/7 legal helpline for an extra cost. This covers you for legal costs to pursue compensation for personal injury when you are not at fault or to defend a motoring prosecution brought against you. You can also obtain legal advice and assistance (with costs up to £100,000) to pursue your claim for uninsured losses. This might include your policy excess, loss of earnings, car hire changes or additional travel expenses.

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Q.11 Is Motor Breakdown cover available?

A. Yes, you can add Motor Breakdown cover for an extra cost or your can buy this separately. This cover is provided by Intana Assistance. You'll be covered for roadside assistance, vehicle recovery, and you're even covered at home if your car won't start.

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Q.12 What if I change my mind?

A. If you are not satisfied with your policy you can cancel at any time by telephoning or writing to Age UK Insurance. You will only be charged for the time you have been on cover unless a claim has been made. If a claim has been made you will need to pay the full annual premium.

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