Let’s Continue Improving Our Teen Driving Education and Responsibility

One of the Biggest Distractions Today

We all understand there’s a risk to putting our Teen behind the wheel. I believe there’s always room for improvement with the implementation of more Driving programs and courses as well as setting certain in-home solutions to help build more responsibility for our Younger Drivers.

Heres one way to help your Teenager become a more responsible young driver. I know one Mother who had 3 teenagers all driving at the same time yet never had to experience a claim during the time they were living at home. She made all three begin saving up for their deductible well before they were old enough to drive. She told them they could have thier Driving priveledges once the full deductible was saved and deposited into her account. Not a bad tactic to use. Once the kids get their own policy they are refunded the deductible. This deposit could also be used to pay for violation fees but the child wouldn’t be able to Drive until the full deductible was back in the account.

Some states have implemented some great Drivers Education programs for Teens.
Other states have adjusted age requirements as well as other laws regarding Teens and driving which has had an impact on these statistics.

We decided to take a closer look at the number of fatal accidents in which a Young driver was involved.
These statistics do not include serious injuries or other non-injury auto accidents, only accidents where a fatality
occured. Where you live determines your rate for many reasons and provided below is one way Insurers may
determine your rates with a young Driver on the Policy.

After reviewing all US states, we’ve determined which states have the highest risk of Young drivers
involved in fatal auto accidents and which state had the lowest risk of fatal accidents where a Young
Driver was involved. These information used is from recorded crash statistics and 2006 population data.

Oklahoma was found to have the highest percentage of fatal accidents with involvement of a Young Driver.
Rhode Island had lowest percentage of fatal accidents where a Young Driver was involved. We based these
two to develop a quick scoring formula for each U.S State.

0.00433% is the highest percentage we came up with

for these fatal accidents by in Oklahoma.
number of accidents (155) / Population (3,579,000)

0.00084% is the lowest percentage we came up with for
these fatal accidents by in Rhode Island.
number of accidents (9) / Population (1,068,000)

Our Grades are based on a curve .00084% representing the best score (100% A)
and .00433% representing the lowest (0% F)

US
State

ALABAMA
ALASKA
ARIZONA
ARKANSAS
CALIFORNIA
COLORADO
CONNECTICUT
DELAWARE
FLORIDA
GEORGIA
HAWAII
IDAHO
ILLINOIS
INDIANA
IOWA
KANSAS
KENTUCKY
LOUISIANA
MAINE
MARYLAND
MASSACHUSETTS
MICHIGAN
MINNESOTA
MISSISSIPPI
MISSOURI
MONTANA
NEBRASKA
NEVADA
NEW HAMPSHIRE
NEW JERSEY
NEW MEXICO
NEW YORK
NORTH CAROLINA
NORTH DAKOTA
OHIO
OKLAHOMA
OREGON
PENNSYLVANIA
RHODE ISLAND
SOUTH CAROLINA
SOUTH DAKOTA
TENNESSEE
TEXAS
UTAH
VERMONT
VIRGINIA
WASHINGTON
WEST VIRGINIA
WISCONSIN
WYOMING

Fatalities
(Young Driver Involved)

172
15
150
112
593
92
36
22
516
233
18
46
164
162
71
67
138
149
19
103
68
177
74
120
195
35
52
54
27
109
59
181
250
19
211
155
42
242
9
141
23
184
650
41
14
155
77
48
117
21

2006
Population Est.

4,599,000
670,000
6,166,000
2,811,000
36,458,000
4,753,000
3,505,000
853,000
18,090,000
9,364,000
1,285,000
1,466,000
12,832,000
6,314,000
2,982,000
2,764,000
4,206,000
4,288,000
1,322,000
5,616,000
6,437,000
10,096,000
5,167,000
2,911,000
5,843,000
945,000
1,768,000
2,496,000
1,315,000
8,725,000
1,955,000
19,306,000
8,857,000
636,000
11,478,000
3,579,000
3,701,000
12,441,000
1,068,000
4,321,000
782,000
6,039,000
23,508,000
2,550,000
624,000
7,643,000
6,396,000
1,818,000
5,557,000
515,000

State Grade:
(Education Encouragement)

17% F
60% D
54% F
10% F
77% C
69% D
95% A
50% F
42% F
53% F
84% B
34% F
87% B
51% F
56% F
55% F
30% F
25% F
83% B
72% C
94% A
74% C
83% B
6% F
28% F
18% F
40% F
62% D
65% D
88% B
38% F
97% A
43% F
38% F
71% C
0% F
92% A
68% D
100% A
31% F
40% F
37% F
45% F
78% C
60% D
66% D
90% A
48% F
64% D
7% F

Low-Insurance.org provides low car insurance quotes by helping shoppers comparison shop several companies for a low cost auto policy. If you would like to compare quotes to save more, begin comparing insurance quotes today. Come check out our next post which will provide some additional car insurance tips on ways to evaluate your auto insurance needs.

Travel Insurance 24