My Insurance Rates Just Went Up. The Company Says Its Because I Am Over A Certain Age. Isn’t That Discrimination

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Insurance companies file their rates with the state through the Department of Insurance. This includes the rates they will charge for young, inexperienced drivers and drivers of other ages. The rates are based on the experience for that particular company with the drivers in various age groups. Because the rates are based on actuarial statistics and real experience it is not considered discrimination. Many companies find that older drivers have more frequent accidents than other age groups, and they set their rates accordingly. There are many companies who specialize in writing older drivers and they have some very competitive rates. The fact that your insurance company has raised your rates due to age does not imply that you can’t find insurance at a better rate elsewhere. However, before shopping around, make sure you will not be giving up any special deals, such as guaranteed renewal (often provided when you have a good driving record and have been with a company for several years) I would then suggest you shop around with other companies in your area, but make sure the savings is worth the change. The new company may not be willing to keep you as a customer if you suddenly have tickets, an accident or two or both.

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