Car Insurance for an Experienced Driver

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 9, 2021

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Things to remember...

  • When you’re first licensed, you’ll pay high-risk auto insurance rates until you’ve proven you’re a good driver
  • As you gain experience, you’ll receive experience credits that will help to drive your premiums down
  • An experienced driver is something who has had their license for more than nine years and has a clean driving record
  • Experience helps to save you money up until you reach 65 when your rates will start to climb
  • You may be able to qualify for a Good Driver, Accident-Free, and Mature Driver discount when you’re experienced

Life experience can pay off in many ways. When you look back to your youth, you understand just what your parents meant when they said they’re not old they are wise. That doesn’t even account for if you’re a different driver type! Life is one of those journeys where you must face problems and look for solutions.

You must also start as a beginner in everything and gradually become an expert. This includes the skill of driving.

One of the many ways that life experience pays off is in the form of auto insurance. When you’re young, the thought of paying thousands for auto insurance can make you sick to your stomach.

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Luckily, the cost of auto insurance does go down as you gain experience as long as you have a good record. Here’s a guide to insurance for experienced drivers:

Why does auto insurance get cheaper with age?


You might rethink your desire to drive when you’re a college student who has to pay their own insurance premiums for the first time. When you have a part-time job or you’re living off of financial aid, paying hundreds of dollars per month to insure your sub-par car isn’t ideal.

Luckily, you figure out how to make things work and you get by.

As you move on to the career stage of life and you build a family, you’ll notice that your premiums will go down. This is because one of the major rating factors that insurance companies use as a basis of how much to charge you is your age.

The more experience that you have, the lower your rates will be. Since experience comes with age, insurers are justified in looking at your birth date to set your premiums.

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What do the statistics say about experienced drivers?

Insurance rates are strongly influenced by statistics. Without statistics, there’d be no way for a company to determine if you’re likely to file a claim or not. The agent would just have to go based on their observations and guess how much they would need to charge you.

Accident statistics say a lot about how experience has an effect on someone’s likelihood of filing a claim. Someone without experience is a lot more likely to be distracted while driving.

This is the primary reason why novice drivers make up 6.4 percent of drivers on the road but they account for 14 percent of the crashes that involve injury.

The statistics are definitely more in an experienced driver’s favor. As you grow up, you’re better able to control impulses. That competitive nature of young teens fades away and it turns into a more responsible and forward-thinking spirit.

This impulse control is why drivers between 25 and 65 tend to pay lower rates than their younger and older counterparts.

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How much experience do you need to save on insurance?

Your definition of experience and an insurer’s definition of experience may be different. Usually, you don’t have to have 30 years of driving experience just to save on your premiums.

You’ll fall into the high-risk, inexperienced rating class until you have between five and nine years of experience.

After nine years, you’re said to have enough experience driving where you’re able to avoid accidents by driving defensively. That’s why most people who are licensed at 16 will see their rates drop significantly when they turn 25.

After your 25th birthday, you’ll still see drops in rates as you gain experience credits. Of course, you’ll have to maintain a clean record to notice a change in rates because of your experience, but there will be a change.

Usually, every few years you’ll see a rate drop up until you turn 65. When you become a senior, experience can work against you.

Discounts You Can Get As You Get Driving Experience


You’re not eligible for some sizable discounts when you first get your license. Just like you have to prove yourself to an employer before you get a raise, you’ll have to prove yourself to an insurer before you can get a discount off of your auto insurance premiums.

Over the years, you’ll need to obey the rules of the road and avoid accidents if you want to take advantage of discounts just for experienced drivers.

Inexperienced drivers can still get discounts for being a student, but here are discounts that only experienced and safe drivers can get:

  • Good Driver Discount – save up to 30 percent off of liability and collision premiums by having less than 2 tickets or accidents in a 3-year period of time
  • Accident-Free Discount – save money off of your liability and physical damage coverage by maintaining a clean accident record over a span of 3 to 5 years
  • Mature Driver Discount – save as much as 20 percent off of your liability premiums for 3 years when you’re 55 or older by taking a AARP defensive driving class
  • Daylight Driving – save off of your premiums when you’re over the age of 55 if you drive only in daylight hours

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Why does experience cost you when you become a senior?

Experience isn’t always a good thing to insurers. When you get older, you can fall back into a risky rating class just like teenagers do. Reaction times slow and visibility deteriorates which causes seniors to statistically get into more accidents once they turn 65.

Because of this delay in reaction time, the rates for senior drivers will start to climb even though they have experience.

It’s nice to pay a lower insurance expense for car insurance when you’re an experienced driver. Not all insurers have rates that cater to people in a preferred rating class. This is the primary reason why you should shop around for insurance while you’re trying to find a good rate.

Use our online rate comparison tool and you’ll be on your way to saving money.

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