{"dataset":"How U.S. Auto Insurers Price Driver Age (Filed Curves)","description":"Driver-age rating factors transcribed verbatim from carrier SERFF filings — the actual filed curve of how the rating factor changes with age, each cited to its SERFF number. Within-carrier only; never a cross-carrier merge.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com), verified against the source PDF","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/how-car-insurers-price-driver-age","pressContact":"press@fastautoquote.org","curves":[{"carrier":"American Family","state":"IL","serffTracking":"PRCA-134345615","effectiveDate":"2025-03-30","coverage":"Bodily Injury","referenceProfile":"Single male (the table's reference column)","cleanAgeAxis":true,"source":"American Family Connect P&C, Illinois PPA, edition 03/30/2025, page R-42.001 (\"Age Adjustments — Bodily Injury\").","caveat":null,"points":[{"age":"16","filedFactor":1.0000,"multipleVs40":3.03},{"age":"18","filedFactor":0.7924,"multipleVs40":2.40},{"age":"20","filedFactor":0.6496,"multipleVs40":1.97},{"age":"22","filedFactor":0.5215,"multipleVs40":1.58},{"age":"25","filedFactor":0.3911,"multipleVs40":1.18},{"age":"30","filedFactor":0.3391,"multipleVs40":1.03},{"age":"35","filedFactor":0.3319,"multipleVs40":1.00},{"age":"40","filedFactor":0.3305,"multipleVs40":1},{"age":"45","filedFactor":0.3317,"multipleVs40":1.00},{"age":"50","filedFactor":0.3326,"multipleVs40":1.01},{"age":"55","filedFactor":0.3302,"multipleVs40":1.00},{"age":"60","filedFactor":0.3217,"multipleVs40":0.97},{"age":"65","filedFactor":0.3101,"multipleVs40":0.94},{"age":"70","filedFactor":0.3200,"multipleVs40":0.97},{"age":"75","filedFactor":0.3891,"multipleVs40":1.18},{"age":"80","filedFactor":0.6136,"multipleVs40":1.86}]},{"carrier":"American Family","state":"OH","serffTracking":"PRCA-134322893","effectiveDate":"2025-05-10","coverage":"Bodily Injury","referenceProfile":"Single male (the table's reference column)","cleanAgeAxis":true,"source":"American Family Connect P&C, Ohio PPA, edition 05/10/2025, page R-39.001 (\"Age Adjustments — Bodily Injury\").","caveat":null,"points":[{"age":"16","filedFactor":1.0000,"multipleVs40":2.97},{"age":"18","filedFactor":0.7984,"multipleVs40":2.37},{"age":"20","filedFactor":0.6567,"multipleVs40":1.95},{"age":"22","filedFactor":0.5285,"multipleVs40":1.57},{"age":"25","filedFactor":0.3974,"multipleVs40":1.18},{"age":"30","filedFactor":0.3449,"multipleVs40":1.03},{"age":"35","filedFactor":0.3377,"multipleVs40":1.00},{"age":"40","filedFactor":0.3364,"multipleVs40":1},{"age":"45","filedFactor":0.3378,"multipleVs40":1.00},{"age":"50","filedFactor":0.3388,"multipleVs40":1.01},{"age":"55","filedFactor":0.3362,"multipleVs40":1.00},{"age":"60","filedFactor":0.3271,"multipleVs40":0.97},{"age":"65","filedFactor":0.3147,"multipleVs40":0.94},{"age":"70","filedFactor":0.3242,"multipleVs40":0.96},{"age":"75","filedFactor":0.3942,"multipleVs40":1.17},{"age":"80","filedFactor":0.6235,"multipleVs40":1.85}]},{"carrier":"American Family","state":"WA","serffTracking":"PRCA-134198065","effectiveDate":"2024-11-28","coverage":"Bodily Injury","referenceProfile":"Single male (the table's reference column)","cleanAgeAxis":true,"source":"American Family Connect P&C, Washington PPA, edition 2024/1128 (NB), \"Age Adjustment — Bodily Injury\".","caveat":"Washington flattens the middle-age band (0.385 from ~30–66) — the state restricts how steeply age may be used.","points":[{"age":"16","filedFactor":1.000,"multipleVs40":2.60},{"age":"25","filedFactor":0.560,"multipleVs40":1.45},{"age":"30","filedFactor":0.385,"multipleVs40":1},{"age":"40","filedFactor":0.385,"multipleVs40":1},{"age":"50","filedFactor":0.385,"multipleVs40":1},{"age":"60","filedFactor":0.385,"multipleVs40":1},{"age":"66","filedFactor":0.385,"multipleVs40":1},{"age":"70","filedFactor":0.460,"multipleVs40":1.19},{"age":"80","filedFactor":0.710,"multipleVs40":1.84},{"age":"99+","filedFactor":1.185,"multipleVs40":3.08}]},{"carrier":"Allstate","state":"TN","serffTracking":"ALSX-G127036188","effectiveDate":"2011-05-16","coverage":"Fixed-expense premium layer","referenceProfile":"Youngest operator age band","cleanAgeAxis":false,"source":"Allstate P&C, Tennessee, \"YOUNGEST OPERATOR AGE\" (Fixed Expense Premium Rating Factors, pp. RP-3A/RP-4A).","caveat":"Only the fixed-expense (policy-fee) layer — Allstate's main variable-premium age effect is buried in class codes.","points":[{"age":"<20","filedFactor":1.00,"multipleVs40":1.10},{"age":"21-24","filedFactor":0.94,"multipleVs40":1.03},{"age":"25+","filedFactor":0.91,"multipleVs40":1}]},{"carrier":"Nationwide","state":"PA","serffTracking":"NWPP-134410938","effectiveDate":"2026-03-12","coverage":"Bodily Injury (household-composition factor)","referenceProfile":"1 vehicle / 1 driver household","cleanAgeAxis":false,"source":"Nationwide General Insurance, Pennsylvania, \"Household Composition Factor\" (BI, \"1 and 1\" reference).","caveat":"Age is fused with household composition — Nationwide has no standalone driver-age curve here (normalized to prime-age = 1.00).","points":[{"age":"0-20","filedFactor":1.130,"multipleVs40":1.13},{"age":"21-24","filedFactor":1.060,"multipleVs40":1.06},{"age":"25-54","filedFactor":1.000,"multipleVs40":1},{"age":"55+","filedFactor":1.000,"multipleVs40":1}]}]}