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.
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.