Female drivers aged 16-19 lack the driving experience and sometimes maturity that is needed to be a good driver, leading these girl drivers to be a high insurance risk.
Not quite women yet, but with a new driver’s license they are no longer children either. These girl drivers are still learning how to handle both life and driving at the same time.
Because still they are still learning, they make bad decisions and mistakes in driving situations that they are not familiar with and both lead to car accidents. Because of the higher chance of having an accident, these girl drivers face higher insurance premiums.
From the time that they get their license at age 16 until they turn 20 these girls are still learning how to handle dangerous driving situations that may happen quickly and that they are not experienced enough to react correctly to in order to avoid an accident. They are also still learning how to be responsible and can make bad decisions in judgment behind the wheel, which is why this age group pays the highest insurance rates of all females and is second only to the boy drivers of the same age group.
Insurance Rates for Girl Drivers
Insurance rates have always been cheaper for girls than they have been for boys of the same age group. The general rule of thinking has continued to be that girls are less of an insurance risk than boys are because they are seen as less aggressive and less likely to take chances while driving a vehicle.
These chances could be anything from passing another vehicle when it is clearly not safe to do so because they want to drive faster or doing things behind the wheel to impress others that they would not normally do when driving alone.
However, while boys continue to have the higher insurance rates, the girls are closing in. In recent years, insurance companies have seen more accidents and aggressive driving behavior in girls and have started to raise their rates accordingly. While they are still cheaper to insure than a boy, they may not be for much longer.
What Is Going On With Our Girl Drivers?
Is the increase in auto insurance claims and risky behavior behind the wheel something that we need to be worried about with these girls? Yes and No.
Yes, we need to be concerned because bad teen driving, no matter what the gender, has an effect on us all. It may be just minor damage to our property from a teen showing off that they can drive with no hands or it could be a loss of life because a teen driver didn’t want to follow behind a slower moving vehicle and passed them while in a no passing zone.
No, we shouldn’t be concerned because the increase of claims has a lot to do with more girls getting their drivers licenses than they have in the past and also the increased amount of time and miles that girls spend behind the wheel as compared to earlier generations. The more time behind the wheel means more chances for an accident and increases the statistics. It does not mean that our girl drivers are necessarily becoming worse drivers.