Insuring young drivers is expensive. If you have a young operator in your household, you probably already know this. The cost to insure young drivers is based on several factors, including but not limited to, their years of driving experience (or inexperience!) and their gender. As a general rule, young males are more expensive to insure than young females. Why, you ask? Is there really a difference between the driving habits of young males versus young females?
It turns out…there is! A recent study released by Kansas State University analyzed the gender similarities and differences amongst young drivers who were involved in car accidents over a five-year period (from 2007-2011) in Kansas. The results are summarized below.
- Young females were 66% more likely to wear a seat belt than young males.
- Young females were 28% more likely to drive on a restricted license than young males.
- Young female drivers had more crashes at intersections and collisions with pedestrians.
- Young males had more crashes after sunset than young females.
- Young female drivers were more likely to be involved in crashes during weekdays, while young male drivers were more likely to be involved in crashes during the weekend.
- Young male drivers had more off-road crashes than young females.
The hope is that the results of this study, along with several other similar studies being conducted nationwide, will help everyone gain a better understanding of young driving behavior and will help develop targeted educational materials towards young drivers of each gender. For example, why aren’t young men wearing their seat belts as much as young women? Perhaps they need more education or stricter penalties for not buckling up. If young males are involved in more off-road crashes, does this mean that they are speeding more on rural roads? Are young ladies more easily distracted, causing more accidents at intersections? If so, what can be done to help curb this behavior?
The bottom line is, regardless of gender, younger drivers are far less experienced and need to be more cautious when operating a motor vehicle. Hopefully the results of this study will help reduce the number and severity of crashes by improving and implementing new educational material in driver training courses. If you have any questions regarding your young driver on your policy, give us a call! We would be more than happy to discuss any of your concerns with having a young driver in the household. For more information visit our website, or call us at (401) 723-8510.