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Stay in school

Many insurers offer
discounts for those
students who get good grades and enroll in driving safety courses. Doing so could result in savings for you.

Grandma costs less
than the grandkids

Teens are the most
expensive age group to insure. Did you know that individuals ages 50 to 65 statistically cost the least to insure?

We all remember the day we received our driver's license. But we didn't know how dangerous it could be to take the wheel. Teen motorists, in fact, are the most at-risk age group of drivers.

Teen Drivers and Auto Insurance: A Question of Safety

There's nothing quite like the feeling of getting your driver's license for the first time. But as teenagers across the country back out of their parents' garages for the first time, they probably don't know just what they're in for. Parents need to do as much as they can to educate their sons and daughters about the facts about young motorists.

In addition to being at a higher risk for an accident, young motorists are also the most expensive age group to insure. Most families see their insurance premiums increase by 100 percent or more when their children get licensed, which is why it's so important to find new car insurance online. By understanding the realities of younger motorists, families are not only keeping their children safe, but also are working to keep their premiums low.

Boy sitting in rear SUV hatch using laptop.

Facts about teen driving:

  • The risk of getting into an accident is higher for those ages 16 to 19 than for any other age group on the road. Those in this age group are four times more likely to get into an accident for every mile they drive.
  • Those who drive with friends in the car with them are at even greater risk. According to the Centers for Disease Control and Prevention, the risk of getting into an accident increases exponentially with every additional teen passenger in the vehicle.
  • The risk of getting into a crash is highest during the first year that a driver is licensed.
  • Because teenagers' brains are still developing, they are physically incapable of assessing dangerous situations and are less likely to properly handle hazardous road conditions when compared to an adult driver.
  • Auto crashes are the leading cause of death to those under the age of 20.
  • While young motorists (classified as those ages 15 to 24) make up only 14 percent of the population, they are involved in 30 percent of the costs for minor auto accidents.
  • Male drivers are more likely to be in accidents than female counterparts. In the teen population, the statistics are even more stark: the death rate for male drivers in auto accidents was more than 1.5 times the death rate for female motorists in accidents.
  • Those ages 15 to 20 make up 12.9 percent of all auto accident fatalities.
  • A younger motorist is three times more likely to die in an auto accident than a driver aged 25 to 64.
  • It is estimated that nearly one-quarter of all teen auto fatalities are associated with alcohol consumption. In a survey released by the Centers for Disease Control and Prevention, nearly 30 percent of teen motorists reported being a passenger in a car with an intoxicated friend.
  • Young motorists also have the lowest rate of seat belt use of any age group on the road.