Skip to the content


Yes, your age and when you first get your driver’s license as a dramatic impact on the rate you pay for auto insurance (Especially when you’re dealing with Massachusetts car insurance).

It’s true, we get quotes for new drivers, some are 25 to 30, other over over 30. I explain to them, “You’re not safe from paying higher premiums for car insurance based on your ‘age’, in the state of Massachusetts carries rate very heavily on your ‘date first licensed‘.” If you are just getting your license, one of the “most expensive” and “high-risk” things you can do is go out and buy a new car (people in Boston do this all the time). Before you dedicate your life to being “car poor” paying $750/m for a car and $450/m for your car insurance, plan a budget.

Young and newly licensed MA drivers try to muster up the down payment for the car and the insurance and they might have it work for a few months before they let their insurance cancel for non pay or their car “get’s repossessed” because they couldn’t afford the monthly payments that were over $600 or the over $500 a month car insurance.

Insurance Rates & Prices by Age Group

Every group has a different set of prices for auto insurance and home insurance. Many new drivers pay high rates because they’re young, inexperienced, and cause the most property damange. Rates for drivers between 35 and 70 tend to be around the same but can vary depending on the location, vehicle, and driver SDIP point totals.

  • Driver 25 and Under
  • Drivers 30 to 35
  • Drivers 35 to 40
  • Driveres 40 to 45
  • Drivers 45 to 50
  • Drivers 50 to 55
  • Drivers 55 to 60
  • Drivers 60 to 65
  • Drivers 65 to 70

Request an insurance quote to see if you’re paying too much!

Related Insurance Pages: Auto Insurance Prices & Rates, Best Insurance Agency, Auto Quotes for Insurance