Driver Age Car Insurance Cost Calculator
Age is the single biggest lever in most auto rates, and this shows how big. Using Progressive's real filed Arizona driver-age factors - which run from about 4.42 for a 16-year-old down to a 1.00 baseline in the early fifties and 0.93 by age 60 (SERFF PRGS-134736377) - this calculator estimates how much age changes the liability portion of a premium. Every factor below is a real filed value, and the tool shows its work.
Estimate the cost of driver age
The age factor applies to the liability portion of your rate, so the estimate uses the share you enter (30 percent is a common rough split for full coverage) and compares each age band against the mature-driver baseline (1.00). These are Progressive's filed Arizona bands for a representative classification, shown for illustration; it is not a quote, and your real price depends on your full rate. To see your actual number, run a real quote.
The filed factors behind this tool
These are the exact values the calculator uses, read from Progressive's Arizona rate manual on file with the state. Each traces to the same regulator filing:
- Bodily Injury rating factor, driver age 16 (Progressive AZ) 4.42× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Bodily Injury rating factor, driver age 18 (Progressive AZ) 3.14× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Bodily Injury rating factor, driver age 21 (Progressive AZ) 2.00× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Bodily Injury rating factor, driver age 25-29 (Progressive AZ) 1.42× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Bodily Injury rating factor, driver age 50-54 (Progressive AZ) 1.00× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Bodily Injury rating factor, driver age 60 (Progressive AZ) 0.93× Source: Progressive Advanced Insurance Company — AZ PPA filing PRGS-134736377, eff. Dec 19, 2025 (Arizona DIFI via SERFF Filing Access), captured Jun 2026
- Good Driver Discount — BI factor, driver age 16-18 baseline (Clearcover, IL) 1.0000× Source: Clearcover Insurance Company — IL PPA filing CLEA-134265131, eff. Nov 1, 2024 (Illinois Department of Insurance via SERFF Filing Access), captured Jun 2026
- Good Driver Discount — BI factor, driver age 19 (Clearcover, IL) 0.9690× Source: Clearcover Insurance Company — IL PPA filing CLEA-134265131, eff. Nov 1, 2024 (Illinois Department of Insurance via SERFF Filing Access), captured Jun 2026
- Good Driver Discount — BI factor, driver age 25 (Clearcover, IL) 0.8500× Source: Clearcover Insurance Company — IL PPA filing CLEA-134265131, eff. Nov 1, 2024 (Illinois Department of Insurance via SERFF Filing Access), captured Jun 2026
- Good Driver Discount — BI factor, driver age 40 (Clearcover, IL) 0.7187× Source: Clearcover Insurance Company — IL PPA filing CLEA-134265131, eff. Nov 1, 2024 (Illinois Department of Insurance via SERFF Filing Access), captured Jun 2026
- Good Driver Discount — BI factor, driver age 47 (Clearcover, IL) 0.6840× Source: Clearcover Insurance Company — IL PPA filing CLEA-134265131, eff. Nov 1, 2024 (Illinois Department of Insurance via SERFF Filing Access), captured Jun 2026
A worked example
Say your annual premium is 1,400 dollars and roughly 30 percent - about 420 dollars - is the liability portion the age factor touches. At the mature-driver baseline (age 50 to 54, factor 1.00) that portion stays near 420 dollars. For a 16-year-old the filed factor of 4.42 lifts it to about 1,856 dollars - roughly 1,436 dollars more than the baseline on that portion alone. It eases fast with experience: about 840 dollars at age 21 (factor 2.00) and 596 dollars in the late twenties (factor 1.42), and by age 60 the factor of 0.93 actually trims the portion slightly below baseline. The dollar amounts scale with your premium and liability share; the ratios - a teen paying several times the mature rate on the affected portion - are what carry over.
Frequently asked questions
How much does age affect car insurance?
A lot, especially for young drivers. Progressive's filed Arizona bodily-injury factor is about 4.42 at age 16, roughly 2.00 at 21, a 1.00 baseline in the early fifties, and about 0.93 by age 60. The calculator above turns that into a dollar estimate for your premium.
Why do teen drivers cost so much?
Because they crash far more often, insurers assign the highest age factor to teens - in this filing about 4.42 at 16, more than four times the mature-driver baseline. The rate falls steadily as a young driver gains experience and keeps a clean record.
When does car insurance get cheaper with age?
It drops steadily through the twenties - the filed factor falls from about 2.00 at 21 to 1.42 in the late twenties - and reaches the mature-driver baseline by around the early fifties, dipping slightly below it by age 60.
Where do these numbers come from?
From Progressive Advanced Insurance Company's Arizona personal-auto rate filing, SERFF tracking PRGS-134736377, effective December 19, 2025. They are real filed values for a representative classification, listed in full above, not estimates or market averages.
Is this a quote?
No. It is an illustration built from one carrier's filed Arizona factors to show the size of the age effect. Your real price depends on your full rate and every other factor. To see your actual number, run a real quote.
Can I lower a young driver's cost?
Age itself you cannot change, but adding the teen to a household policy, assigning them the lowest-value car, and stacking good-student, driver-training, and telematics discounts all help - and comparing carriers matters because each weights age differently.
