Younger drivers are not the only ones paying higher premiums. However, according to Policygenius, if you’re a safe driver, you should see a fairly significant decrease after you turn 25. Insurance companies often see younger drivers as being less experienced and, therefore, a higher risk to insure. You can’t help your age or gender, but these factors are still used to rate your premium. Here are a few reasons you may be paying more for car insurance: However, when you receive your policy information in the mail, you’re surprised to find that your premium is higher than what you paid last year. It’s that time of the year again – Your auto policy is up for renewal!