If you have ever looked for cheap car insurance for young drivers, you may have gotten discouraged at the high premiums. It’s a well known fact that car insurance for young drivers is more expensive than other age brackets, but why is that? Why do insurance companies put first time drivers at such a high risk to insure? Here are three of the reasons behind insurance premiums for teens.

Accident Percentages

It is difficult to find cheap car insurance for young drivers because they get in more accidents. About a quarter of all accidents are caused by drivers between the ages of 17 and 25, and an even greatly percentage of accidents are caused by drivers with less than two years of experience.

Theft and Vandalism Percentages

Another reason that teens are more expensive to insure is that theft and vandalism of vehicles is more common among young people. Many young people want to drive a cool car, so many teens modify their vehicles and get unique paint jobs. These types of vehicles almost ask to be stolen by another young driver, who also wants a cool ride. Also, vandalism of vehicles is a common teen problem, both as the perpetrators and as the targets.

Irresponsible Driving

Teens participate in many behaviors that increase their risk for automobile accidents, so insurance companies are less likely to offer cheap car insurance for young drivers. Although other age groups are guilty as well, teens are especially likely to text, eat, jam to music, or do other things while they are driving that would keep their focus off of the road. Even little distractions like fiddling with the air conditioning or talking to friends in the vehicle can be a bigger distraction to young drivers.

Although there is nothing you can do to decrease the percentages of accidents and car theft that happen to teens, you can make decrease your own teen’s risks. Make sure that your teen doesn’t participate in these irresponsible driving habits and they will be at a much lower risk. And as your teen proves to be a safe driver, your insurance billing service will reward you with cheap car insurance for young drivers.