It is quite fair, though, that beginner drivers are paying more for their car insurance policies. The fact that they get involved in car accidents far more often than, say, more experienced car drivers don't need debate. However, with time, these individuals, too, acquire a certain level of driving expertise, so they can be considered worthy of some lowered car insurance rates. Generally speaking, drivers living up to 20 years old get a slight drop in charges for their car insurance when a major decrease is usually to be expected when getting at around 25 years of age. Car insurance rates have a tendency to fluctuate during a lifetime. After 35, they usually level out, while after 65, it can get harder to get good rates due to a certain drop in driving ability. Aarp car insurance payment.