It is a fact that car insurance for young drivers is often prohibitively expensive. Understandably, young drivers (ages 16 to 25) often feel that they are unfairly targeted by insurance companies. This is far from the case. Insurance rates are driven by actual statistics that deal with the accident rates within a given group, such as young drivers between the ages of 16 and 25. This age group is statistically more prone to accidents than are experienced by older drivers.