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Progressive · 2025 report · 12 min

Who's a good risk?

Two drivers, same car, same street. One pays far more. Here's how an insurer like Progressive decides who's a good risk, and where the law says it can't look.

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Ticket 01 · The guess

How risky are new drivers?

Car insurers like Progressive charge new drivers more. Here's one reason. Over the same miles, drivers twenty and older have one deadly crash. How many do you think teen drivers (sixteen to nineteen) have over those miles?

5 crashes
1 crash10
Words to know

Spot something wrong?

Tell us what looks off. No name or email needed.

What kind of problem?

0 / 1000

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Sources and every number (1)

Sources

  • Risk Factors for Teen Drivers · Centers for Disease Control and Prevention (CDC), citing IIHS Fatality Facts 2020, 2025

Every number

  • 3 crashescdc.gov ·2025 · Per mile driven, teen drivers (sixteen to nineteen) have a fatal crash rate almost three times that of drivers twenty and older (CDC, citing IIHS Fatality Facts 2020): almost this many deadly crashes for every one.
  1. Lessons›
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  • ·Free guide: How insurance companies make money
Skip to the lesson
Back to the home page and map, from TryOwning · Progressive · Lesson 4
Part 1 of 3Part 1 of 3, 0 done

Progressive · 2025 report · 12 min

Who's a good risk?

Two drivers, same car, same street. One pays far more. Here's how an insurer like Progressive decides who's a good risk, and where the law says it can't look.

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
Ticket 01 · The guess

How risky are new drivers?

Car insurers like Progressive charge new drivers more. Here's one reason. Over the same miles, drivers twenty and older have one deadly crash. How many do you think teen drivers (sixteen to nineteen) have over those miles?

5 crashes
1 crash10
Words to know

Spot something wrong?

Tell us what looks off. No name or email needed.

What kind of problem?

0 / 1000

We'll also send this page, the lesson, ticket 1, so we can find it. Nothing else. Privacy

·
Sources and every number (1)

Sources

  • Risk Factors for Teen Drivers · Centers for Disease Control and Prevention (CDC), citing IIHS Fatality Facts 2020, 2025

Every number

  • 3 crashescdc.gov ·2025 · Per mile driven, teen drivers (sixteen to nineteen) have a fatal crash rate almost three times that of drivers twenty and older (CDC, citing IIHS Fatality Facts 2020): almost this many deadly crashes for every one.
  1. Lessons›
  2. Big companies›
  3. Insurance
  • ·Before this: Hurricanes, wildfires and reinsurance
  • ·Free guide: How insurance companies make money