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Young drivers are the most at risk for making mistakes and causing accidents. Therefore, drivers under 25 statistically pay high rates for young drivers car insurance. They are more likely to file an auto insurance claim or take part in a moving violation. This is especially true for young male drivers. They are riskier behind the wheel than female drivers of the same age. Lower auto insurance rates generally don't come until a young person turns 25 years old. After that point, insurance companies offer discounts. These discounts increase as a person grows older, and many insurance companies offer mature driver discounts for people over the age of 50.