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5. When do auto insurance rates for teens start to go down?

Last updated: June 6, 2012

By , Insure.com

Insurance agents say that once young drivers get three clean years of driving experience under their belts, their rates drop significantly.

In California, after two years without a ticket or accident, teen drivers with Farmers Insurance save about 15 percent, says Lehman. "After year three, they'll get another 20 percent off their rate as a good driver discount,” as required by the state. After nine years of driving experience, Lehman adds, they'll get a standard rating and lose the "youthful driving" surcharge.

Meanwhile, in Massachusetts, car insurance rates for teen drivers typically drop by about 50 percent after three years of driving with a clean record, and then fall another 50 percent after six years of good driving, Webber says. Generally, insurance rates also decline around age 25.

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