Why Auto Insurance Rates are High for Teen Drivers

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UPDATED: Feb 25, 2020

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A recent survey of high school students was conducted and released by The Children’s Hospital of Philadelphia and State Farm. The survey shows the following ‘surprising’ findings:

  • 75 percent of teens see other teens driving while fatigued or impaired
  • 90 percent of teens witness distracting passenger behaviors
  • 20 percent of eleventh graders reported being involved in an accident in the past year

According to the National Highway Traffic Safety Administration, the fatality rate for drivers aged 16 – 19 years is four times that of drivers aged 25 – 69 years.  Many auto insurance company premiums reflect this statistic, with rates declining for many drivers once they reach age 25.

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