Why is car insurance for new drivers so expensive?

Car insurance for new drivers is often more expensive because they are considered to be at a higher risk of getting into an accident. This is because they have less driving experience and may not have fully developed their driving skills. Additionally, new drivers are more likely to be involved in crashes caused by reckless or negligent behavior, such as texting while driving or driving under the influence. Insurance companies also consider factors such as age, gender, and type of vehicle when determining insurance rates, and new drivers may fall into higher-risk categories for these factors as well. To lower the cost of insurance for new drivers, they can consider taking a driver's education course, maintain a good driving record, and shop around for the best rates.