Insurance companies in most states are allowed to have their own rating system. Usually these providers look at many factors when determining an auto insurance rate, experience of the driver can be once such factor. Age may also be a factor and typically at around age 25 insurance premiums will drop from when a driver is 16 to 24.

If you are a newly licensed driver at age 25 than your rates will be higher than others that have been driving for nearly 10 years but may not be as high as a newly licensed driver at 16, since you may be thought of as more mature. Maturity to an insurance company means less likely to drive in a reckless manner. The rates will likely though still be higher than another 25 year old female that has been driving for a few years because this person has a driving record for the insurance company to check.

What you can do as a new driver is to shop around for insurance rates since as noted above, different companies have different rating standards. To get started to her to get free auto insurance quotes.