The highest group for liability are actually teenage boys
The risk of motor vehicle crashes is higher among teens ages 16–19 than among any other age group.
It’s so much so that insurance companies know to charge the highest risk group statistically
Women tend to pay less for car insurance than men. And it should come as no surprise that young drivers pay the most. Age correlates with driving experience and the risk of getting into a car accident.
If anything, speaking statistically, people are probably the least accident prone in their 50s-60s if they were good drivers all their life.
The high car insurance rates that young drivers pay start to go down at age 25. You’ll get the best rates in your 50s and early 60s
Funny, while I was in high school guys probably did have more fender benders but girls were the ones destroying cars and getting themselves killed. Of the four vehicle-related fatalities while I was in high school, three were girls at the wheel, one was one of their passengers.
And I’ve experienced the younger male gender to be more severe because they were more risk taking, go higher speeds and take out more vehicles than just themselves. Women tend to make mistakes and have less fatalities overall as they go slower and doesn’t involve another vehicle. And I’ve experienced this in more than one country. And more than one highschool. Hence why insurance companies don’t take your singular anecdote alone to set their standards. They’d lose money.
