A client calls us up because their teenaged son or daughter needs to be covered on their auto insurance policy. If their son or daughter has a learner’s permit, we have companies that don’t charge any additional premium as long as the young driver is following the rules of a permit. But then the young driver proudly passes their driver’s test and bam, sticker shock to the parents.
Why do insurance companies charge such high premiums to insure the inexperienced new drivers? Well, the fact is car accidents are the leading cause of death among people aged 16 to 19. On average, 250 teens are killed in car accidents each month during the summer season when most young people get licensed.
Other than a lack of driving experience, how to avoid accidents, or even how to react to certain driving situations, leading causes of teen deaths on the road include alcohol and distracted driving. Distracted driving includes texting while driving, talking with friends who are passengers in the car, and taking their eyes off of the road to turn knobs, reach for something on the seat, etc. And let’s not forget showing off.
Here are the top ten worst states for teen drivers in order starting with the worst state:
1. South Dakota
3. North Dakota
California did not make the top 10 list for the worst states for teen drivers or the best states for teen drivers which surprise me.