Why Young Drivers Are Classified As High-Risk Drivers!

This blog explains why young drivers are classified as high risk drivers and thus, they have to pay more on car insurance. Getting high-risk insurance is difficult and it involves comparing numerous free auto insurance quotes online.

@ images (1)It is easily understood that the extra risk young people have for crash involvement is due to lack of experience, characteristics associated with youthful age, and the interaction between these two factors. All beginners are by definition inexperienced, and we know inexperience to be a crash risk factor whatever the starting age. Characteristics of adolescence include an appetite for strong sensations and excitement, emotionality, sometimes poor judgment and decision making, and strong peer influences.

Also, CDC presents the following facts, based on years-long studies:

  • Teens are more likely than older drivers to underestimate dangerous situations or not be able to recognize hazardous situations.8
  • Teens are more likely than older drivers to speed and allow shorter headways (the distance from the front of one vehicle to the front of the next). The presence of male teenage passengers increases the likelihood of this risky driving behavior.9
  • Among male drivers between 15 and 20 years of age who were involved in fatal crashes in 2012, 35% were speeding at the time of the crash10 and 25% had been drinking.11
  • Compared with other age groups, teens have the lowest rate of seat belt use. In 2013, only 55% of high school students reported they always wear seat belts when riding with someone else.12
  • At all levels of blood alcohol concentration (BAC), the risk of involvement in a motor vehicle crash is greater for teens than for older drivers
  • Of the teens (aged 13-20) that died in passenger vehicle crashes in 2013 approximately 56% were not wearing a seat belt at the time of the crash.15Research shows that seat belts reduce serious crash-related injuries and deaths by about half.

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