Statistics do seem to indicate on a consistent basis that the Drivers with less experience have more frequent accidents.
No they do not have to and they generally do not. Young drivers are in a higher risk group which makes car insurance expensive for younger drivers.
Car insurance is more expensive for younger drivers due to the fact that their lack of driving experience makes them a higher risk. Insurance companies charge based on a number of factors that contribute to your overall risk as a customer.
kaka drives an expensive car
Insurance rates are derived from claims statistics. The reason that car insurance is more expensive for drivers under 21 is that drivers under 21 have more accidents. Most likely this is due to inexperience but it is a fact that younger drivers do have more accidents.
Yes, car insurance for a teen in California is expensive. But then, car insurance for a teen driver is expensive everywhere. The least expensive way would be to them to your existing policy, you may get a discount.
Because younger drivers have more accidents that experienced drivers. This is a proven fact. Insurance companies do not just charge younger drivers more for fun. The statistics are very plain, more experience results in few accidents.
Generally speaking, just you. In the U.S. in most states, your insurance covers anyone who drives the car (in the insurance business, there is a saying, "When you loan your car, you also loan your insurance). However, if there is someone who regularly drives your car besides you, you may want to have them listed as a driver.
Your insurance rate will increase.