A teenage driver is rated among the most expensive driver to insure. Historic driving patterns followed up by statistics make the reasons easy to understand.
Motor vehicle crashes are the leading cause of teen death in the U.S. Six teens age 16-19 die every day from motor vehicle accidents, with 16 and 17 year olds having the highest percentage. Teenage drivers are three times more likely to be in a fatal car accident than drivers 20 years of age of older. In 2014 this equated to 2,270 fatalities, and 212,313 injuries resulting from inexperienced and distracted teen drivers.
Keeping your teen, and those on the road with them, safe is everyone’s number one concern. In addition to parental oversight, the type of vehicle your teen drives can make a positive impact. California-based Mercury Insurance released a list of the top 10 safest and most affordable vehicles to insure for teen drivers. They were evaluated by The National Highway Traffic Safety Administration (NHTSA).
The NHTSA evaluates new vehicles in two areas: crashworthiness; how well a vehicle will protect occupants in the event of a crash, and crash avoidance and mitigation; how well the vehicle’s technology can help prevent or reduce the severity of an accident.
Crashworthiness Testing Includes:
- Moderate frontal collision: How well a car performs driving at a speed of 40 mph, and hits a 2 ft. tall barrier with approximately 40% of the total width of the car.
- Small frontal collision: How well a car survives a crash going 40 mph and hits a 5 ft. tall rigid barrier with 25% of the total width of the vehicle.
- Side testing: The result of a vehicle being hit on the driver’s door by a 3,300 pound SUV-type barrier traveling at 31 mph.
- Head restraints: How well crash dummies are secured during a rear-end collision.
Crash Prevention Technology:
- Crash prevention systems are rated basic, advanced, or superior depending on the type of systems offered, and the car’s performance in the track tests.
Mercury Insurance compiled its list based on the NHTSA ratings and the cost to fully insure the vehicles in California including liability, comprehensive, and collision coverage.
See the Top 10 Recomendations
10. Honda HR-V EX: For crashworthiness, the Honda HR-V, a small SUV, scored either ‘good’ or ‘acceptable’. While it wasn’t rated for front crash
protection, its headlights were rated ‘poor’ and its child seat anchors were rated ‘marginal’ for ease of use.
9. Dodge Dart: This small car weighs just over 3,000 lbs. and was rated ‘good’ or ‘acceptable’ for crashworthiness.
8. Subaru Outback: This midsize car gets approximately 25 mpg for city driving and a slightly higher 33 mpg on the highway. NHTSA rated it
‘good’ in all categories for crashworthiness and rated it ‘superior’ with optional equipment for front crash protection.
7. VW Golf SportWagen: This small car ranks first out of nine wagons, according to U.S. News and World Report, and is one of the least expensive
wagons in the class. The NHTSA rated it ‘good’ in all categories for crashworthiness and ‘advanced’ with optional equipment for front crash
protection. The driver assistance package offers forward collision warning if following a vehicle too closely and applies the brakes if it senses that a
crash is imminent. It also offers blind-spot monitoring and warns drivers if they cross traffic lanes.
6. Hyundai Elantra: The first of two vehicles by Hyundai to make the list, the Elantra rated ‘good’ in almost every crashworthiness category. Front
crash protection was not rated.
5. Honda Fit: The second Honda vehicle to make the list, the Fit is the only minicar in the top 10. It scored either ‘good’ or ‘acceptable’ in all
4. Honda CR-V LX: The last Honda vehicle to make the list, the CR-V LX offers a less obstructed view than some other vehicles in the same
compact sport utility class. NHTSA rated it ‘good’ in every category for crashworthiness and ‘superior’ for front crash prevention with optional
3. Hyundai Tucson: The second vehicle from Hyundai to make the list is the Tucson, a small SUV which was rated ‘good’ across the board for
crashworthiness and ‘superior’ for front crash protection with optional equipment. The headlights were rated ‘acceptable’ for certain trim
2. Kia Soul: One of the least expensive cars on the list, this subcompact was rated ‘good’ for overall crashworthiness and ‘basic’ for front crash
protection with optional equipment.
1. Kia Sportage: Another vehicle by Kia, the Sportage is a compact sport utility vehicle which gets high marks for crashworthiness, scoring ‘good’ in
every category. NHTSA also rated it ‘superior’ with optional equipment for front crash prevention. The only ‘poor’ rating was for the headlights.
The number of teenage drivers involved in deadly car crashes is rising for the first time in nearly a decade. New data from federal regulators reveal a 10% increase last year in teen driving deaths. Speeding remains one of the top mistakes teens make behind the wheel. Of the nearly 14,000 fatal crashes involving a teenage driver over the last five years, more than 4,200 involved exceeding the speed limit.
To keep your family safe, educate your young drivers and make sure they understand the power of the automobile they are driving. For more information on how to best protect your family contact your NEC insurance professional or Joe Bosse, President at 636.271.2481.
NEC is one of the largest independent insurance brokers in Missouri offering business and personal insurance, risk prevention, and financial services. Our size allows us to provide you with the best price for the depth of services you receive. Contact us today for more information at 636.271.2481 or visit NECins.com.