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Why Young People Pay More (or Less) - Risk Pricing in Auto Insurance

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Tyler's $1,200 base rate turns into a $3,600 premium once an 18-year-old's risk multiplier of 3.00 gets applied, while a single speeding ticket alone doubles a 20-year-old's rate to $2,400, and the riskiest profile on the chart still costs 253% more than a 40-year-old's clean $1,020.

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