Car insurance for young drivers will have the highest premiums among drivers. Senior drivers will pay more too. The main reason for this is that young drivers do not have a history for insurance companies to analyze; they just started driving.
Rates or premiums for drivers are based on insurance tables and statistics. Drivers who are statistically more likely to submit claims will pay higher premiums. The insurance companies are in business to make money and would like the least risky drivers as their customers.
According to the statistics, new drivers are more likely to put in claims due to their aggressiveness. Young female drivers are less aggressive than male young drivers; though both will be in the higher premium group. When young drivers have built up a history of safe driving they will pay lower rates.
In the meantime, there are some courses of action for younger drivers to take to lessen their premiums. In school, a Driver Education course should be taken. If the younger drivers can prove that their driving is primarily to and from school, this will lower premiums because of the lower mileage driven by these drivers. Finally, a student with good grades will have lower rates. This might sound silly, but again, insurance industry statistics show students with higher grades make less claims.
There are teen drivers who are more cautious behind the wheel than middle-aged drivers and must pay high rates. It is tough, but the insurance industry statistics are the determining factor. If the companies did not adhere to the statistics, they would not be in business long.
There are times when the statistics do not follow the general rules and the company must pay out more than normal in claims. This does not happen often. In the majority of cases the statistics hold true.