There are many factors that are considered for your auto insurance rates. Some include controllable factors like the type of car you drive, your driving record, and your location. Factors that are not really in your control like your age, gender, and marital status also affects your insurance costs.

With the age factor, teens and usually most drivers under the age of 25 are considered high risk and tend to pay more for their insurance rates. So at age 35 you may be paying a lot less than what your were paying at age 15.

At age 55 while some companies consider this a safe age group, others may consider them risky since as the drivers age, their ability to drive safely may decrease. Typically, you won't see a major difference in rate with most carriers between the ages of 35 and 55. If anything a 55 year old driver would pay a little less.

I just did a quick comparison quote on our site with a 35 year old versus a 55 year old. Here is the percentage differences with the only difference being age. This is relative though because all factors can increase/decrease other factor weights:

• Company A: 18% cheaper for a 55 year old over a 35 year old.
• Company B: 9.6% cheaper for a 55 year old over a 35 year old.
• Company C: 21.9% cheaper for a 55 year old over a 35 year old.

Fortunately for older drivers, some insurance companies allow them to take a state approved driving test to show that they are safe drivers to help save additional amounts on their insurance costs.

Age may play a factor in determining your insurance costs, but it depends on the insurance company. At CarInsurance.com we work with many companies, so you can find a coverage that suits your needs at the best rates available. Request an insurance comparison quote today.