How Age Affects Your Insurance Premium in 2025 Your age is one of the most significant factors insurers consider when calculating your premium. In 2025, this remains true across life, health, and auto insurance policies. Understanding how age impacts your rates can help you make smarter financial decisions — especially if you're planning ahead. 🧓 Life Insurance Younger applicants (20s–30s) get the lowest premiums Each year of delay increases term life premiums by 5–10% After age 50, permanent life policies become significantly more expensive 🚗 Auto Insurance Drivers under 25 pay higher premiums due to accident risk Premiums typically drop after age 25 and again after 35 Rates may rise again after age 70 due to slower reflexes and higher claim frequency 🏥 Health Insurance ACA plans allow age-based rating — older adults (50+) may pay up to 3x more than younger enrollees Medicare coverage starts at age 65 — which can reduce costs dramatically Some private h...