Which of the following drivers would most likely have higher insurance premiums?

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The young driver with a poor driving record is most likely to have higher insurance premiums due to several key factors. Insurance companies assess risk based on the likelihood of a driver being involved in an accident. Young drivers are often seen as higher risk due to their lack of experience behind the wheel. If this driver also has a poor driving record, which may include past accidents or traffic violations, it further establishes them as a high-risk individual.

Insurers price their policies based on these risk assessments, so a combination of youth and a record of unsafe driving behaviors typically results in significantly higher premiums. In contrast, experienced drivers with clean records or even a single accident generally pay lower rates because they demonstrate a responsible driving history, which signals to insurers that they are less likely to file future claims.