The answer to this question depends on the State where the insurance is written. The Department of Insurance in each State has regulations which differ. In the State of California, Auto Insurance risk assessment is not permitted by age but rather by years of driving experience. For the most part, if a driver becomes licensed at 16 years of age, then he/she would have attained 9 years of driving experience at age 25. For a quote, please feel free to utilize the link below: http://hdainsurance.com/progressive/
For many years, when speaking of risk in Auto Insurance, we would refer to the frightening image of a 16 Year Old Male Driver with a Ford Mustang GT (or other muscle car) driving around in a wreckless manner! The industry tamed the image by simply asking for 'years of experience' to be the assessment factor in most States in the early 1990s.
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http://hdainsurance.com/progressive/
For many years, when speaking of risk in Auto Insurance, we would refer to the frightening image of a 16 Year Old Male Driver with a Ford Mustang GT (or other muscle car) driving around in a wreckless manner! The industry tamed the image by simply asking for 'years of experience' to be the assessment factor in most States in the early 1990s.