Why Is Car Insurance Expensive For Young Drivers? 
Insurance rates are based in large part on experience and driving record . In fact this is who the entire insurance industry operates . There is not questions anewlylicensedoperatorlacks the experience to make the rightdecisionsin certain situations . The insurance industriesexperienceand even my own as an agent show that newly licensed or youthful operator are involved in more accidents . This is why the rates are higher then a driver who has more successful years on the road . 