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Driving experience

Driving experience

No doubt about it: inexperienced drivers pose more risk. Anyone who hasn't driven a car is automatically a higher risk to car insurance companies, whether you're 16 or 50 years of age.

Teens are the biggest category of inexperienced drivers and also pay the most because their age and inexperience are a double whammy. A 40-year-old getting a license is thought to be more mature and conservative than a 16-year old behind the wheel and receives a lower rate.

The more years you have under your belt, the better. If you have been licensed for many years and have a clean driving record, the better it is for your wallet. That combo will get you better rates, plus discounts for being a good driver.

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