Why Teens Are Considered High-Risk Drivers
Young drivers are responsible for more accidents than any other age group. Car crashes are the leading cause of death for teens ages 16 to 18. This makes teens a bigger liability for insurance companies, making them high-risk drivers. This classification also makes their car insurance rates to go up.
Teens are considered high-risk drivers for:
Little driving experience
Drivers with little to no experience will have a more difficult time recognizing and handling dangerous driving conditions.
The AAA Foundation for Traffic Safety found that distracted driving causes 12 percent of teen car crashes.
Unsafe driving habits
Teens are more likely to speed and practice unsafe driving habits than adults. More than half of car accidents involving teens were caused by speeding.
Safe driving courses
As a parent, there are ways to help your teen practice safe driving while saving money on your car insurance. Teens can take additional safe driving courses. When they graduate, their certificate of graduation can be presented to an insurance company for safe driver discounts.