![]() Location can affect car insurance rates in the following ways: What makes one state unique may also help contribute to higher or lower rates, especially when it comes to weather, traffic congestion and population. Location matters when it comes to car insurance rates. There are also options to obtain the best auto insurance for seniors that fit your needs. Whichever you decide, consider doing some research on the best car insurance for students so you can budget your money accordingly. You might debate whether you need your own insurance or you can stay on a parent's plan. The NCS stated that overall, as driver age increases, the crash rate decreases, but noted that the fatal crash rate begins to tick upward for drivers 75 and older.įor younger drivers, it may seem like a lot of money to put toward insurance. Drivers aged 65 to 74 account for 13.7% of all licensed drivers, with a rate of 4,383 crashes per 100,000 drivers.Drivers aged 35 to 44 account for a much larger pool of licensed drivers, 16.5%, but only have a rate of 9,062 crashes per 100,000 drivers. ![]() Drivers aged 16 to 19 account for only 3.5% of all licensed drivers, yet have the highest rate of crashes - 22,103 crashes per 100,000 drivers.According to data compiled by the National Safety Council(NCS):
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