1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Age alone is not a consideration for rating an auto policy in California.  Experience is the rating factor.  There are several levels of “inexperience” and a 21 year old would probably find themselves in the latter two levels which make their premium a little less severe.  Once the driver has completed eight years of driving experience they normally receive a standard rating and keep that until they are much older in which case the rating starts to increase a bit.
    Answered on June 18, 2014
  2. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Car insurance rates for a 21-year old can be very affordable, if you shop the right way. It's important to understand that many factors determine the rate, including where you live, how long you have been driving, your coverage, the vehicle, and your driving record.

    An experienced broker is your best resource since they can find the policy that costs the least and has the best coverage. You will save time and money.

    LIVE answer provided by: Ed Harris - Premier car insurance broker for 33 years, and owner of several  top-rated websites that offer the lowest available rates to consumers.
    Answered on June 19, 2014
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