Car insurance is always expensive for young drivers. Insurance companies consider anyone 25 years of age and younger as a “risk”. Why? Simple answer: insurance companies look at statistics and not the individual when it comes to charging car insurance rates for teens just starting to drive until they turn 26 years old. Even worse? Boys normally end up with even higher rates than girls.

Why is car insurance so expensive for young drivers?
What’s the more drawn out reasoning behind the insurance industry’s BIASED, completely discriminatory insurance pricing? Let’s find out.
No Driving History
Car Insurance companies want to see a driving history. It’s as simple as that. Unfortunately, when a driver is just starting out, there’s no history. Insurance companies THRIVE on statistics and historical data.
New driver’s have a clean slate. And absolutely no experience driving outside of driver’s education, and their road test. Driving requires people to use judgement, and no distractions - two things younger people need to work on behind the wheel of a car.
Insurance companies get away with age discrimination - it’s how it works. So, get used to it and understand it’s important to keep your driving record clean so when that 26th birthday hits - you can benefit from lower insurance premiums!
Higher Risk for Accidents
We all need PRACTICE and EXPERIENCE. It takes a few years being behind the wheel to truly learn the fine art of driving. Judging other driver’s on the road, and avoiding accidents by staying “woke” and alert.
Accidents happen at any age, but accidents are statistically higher for young drivers. Most young people don’t understand just how dangerous a car can be, and speeding and making poor choices often result in all kinds of accidents from fender benders to deadly ones.
Risky Behavior
It’s been proven - SCIENTIFICALLY - young brains aren’t fully formed. Much of the “growing” is in the risky behavior department. Plus, young people think they’re going to live forever and nothing bad can happen to them. We all went through this stage of development.
Risky behavior results in not just accidents, but speeding and causing accidents for OTHER driver’s. So young drivers are going to pay the higher insurance rates.
Years of research and data and stats give car insurance companies all they need to back their reasons for charging young adults much higher rates.
However, there are ways to bring those rates down a bit - and Tango Agents are happy to work with families looking to save a bit on car insurance for new drivers in their home.
Give us a call at 631.543.0500 or visit our Commack Office on Jericho Turnpike at the Northgate Shopping Center.