For new drivers who are also young, rates tend to drop steadily as a driver ages into their 20s. If you’re a new driver but not a young driver, you may see your rates decrease after three to five years, provided you maintain a clean driving record. Not all states allow the use of age as a rating factor, and many other personal characteristics play a role in your rates, so if your rates remain high, you may want to evaluate your credit score, vehicle type or driving record.