Car Insurance by Driver Type — Find Your Best Rate
Your age, driving record, credit score, and lifestyle all affect your insurance rate. Find your driver profile to see average costs, savings tips, and available discounts.
Get Your Free QuoteAll Driver Profiles
Active & Retired Military
-10–15% · $1,200–$1,600/yr
College Students
Varies by age and living situation · $1,500–$3,500/yr
Drivers with Bad Credit (Below 600)
+40–100% · $2,500–$4,000/yr
Drivers with Good Credit (750+)
-15–25% · $1,100–$1,500/yr
First-Time Insurance Buyers
+20–40% · $1,800–$2,800/yr
High-Risk Drivers (DUI/Accidents/Violations)
+50–200% · $3,000–$7,000/yr
Married Couples
-5–15% · $1,200–$1,700/yr
Military Veterans
-5–10% · $1,300–$1,700/yr
New Drivers (Any Age, First License)
+30–50% · $2,200–$3,500/yr
Rideshare Drivers (Uber/Lyft)
+15–30% · $1,800–$2,600/yr
Rural Drivers
-5–15% · $1,200–$1,700/yr
Senior Drivers (Ages 65+)
+5–20% · $1,600–$2,200/yr
Teen Drivers (Ages 16–19)
+80–150% · $4,000–$6,500/yr
Urban/City Drivers
+10–30% · $1,800–$2,800/yr
Young Drivers (Ages 16–25)
+50–100% · $3,000–$5,000/yr
How Your Profile Affects Your Rate
Auto insurance companies use dozens of rating factors to determine your premium, but your driver profile — a combination of age, experience, driving record, credit, and lifestyle — is the most influential. Two drivers with identical cars in the same ZIP code can pay dramatically different rates based solely on their personal profile.
Understanding which factors affect your rate — and which you can control — is the first step to finding affordable coverage. While you can't change your age, you can improve your credit score, maintain a clean driving record, take defensive driving courses, and take advantage of every available discount. The biggest savings come from comparing quotes across multiple carriers, since each company weighs these factors differently.
Frequently Asked Questions
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