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The rates are based on statistics. The highest accident margin is in young drivers. As that risk decreses with age, so do insurance rates.

AnswerBecause STATISTICALLY, drivers under 25 are the most likely to have serious collisions that end up causing a lot of damage. Most drivers seem to get a lot smarter when they have a little maturity.
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Q: Why is twenty-five the age when insurance is decreased?
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