Age is just one of many factors that affect car insurance premiums, but all other things being equal the ideal age for the lowest cost is between 60 and 70 years, where the risk is considered at its lowest. Beyond 70 years the risk and therefore premiums tend to rise again, due to increased health concerns and reduced reaction times. It is important to note that these are the typical interpretations of the data used by insurance companies to generate premiums and does not necessarily reflect the risk attached to any particular individual.