Direct answer
It depends on the driver’s age, as insurance providers statistically view new, younger drivers as a higher risk, which typically results in significantly higher premiums compared to experienced drivers. You can often lower these costs by completing a defensive driving course or choosing a vehicle with high safety ratings.
Actuarial risk assessment guidelines used by major insurance underwriters. For additional information about how insurers determine premiums based on risk, see the National Association of Insurance Commissioners (NAIC) guide to understanding insurance rates.
What this means for you
It depends on the driver’s age, as insurance providers statistically view new, younger drivers as a higher risk, which typically results in significantly higher premiums compared to experienced drivers. You can often lower these costs by completing a defensive driving course or choosing a vehicle with high safety ratings.
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