Why Is Car Insurance So Expensive For Teenagers? 
If all things were equal . . Unfortunately we all know that things are not equal . Losses are carefully evaluated and where there are distinct trends , insurance companies go to the state insurance commissioner and ask for permission to consider those specific trends . Youthful drivers have long been recognized as incurring a higher frequency of losses . We can argue all night about whether this is correct or not , but there are years of statistics that say that it is predicable . 