It turns out that age matters a hell of a lot, independent even of experience. Teenagers are horrific insurance risks.

A provisional license offers both supervised training and effectively delays entry into the unsupervised insurance pool by a year.

After this, location (e.g., ZIP Code, in the US) and miles driven are the biggest predictors. Latter are why insurance companies will do almost anything to get ahold of odometer readings.

Source: Worked on auto insurance risk products.

I didn't even hear about that. That's interesting. It reminds me of what we used to joke as solution to reduce malware and bots on the net: license for using a computer online for at least basic, precautionary measures with disconnects or something like that if they do dumb things. Congress still not taking action on that but I'm glad situation with driving improved.

Good point, when I got my licence the criteria was slightly more than having a pulse. My teenage peers racked up speeding tickets without a slap on the wrist. Nowadays there's all sorts of requirements there wasn't before and if a 16 year old got a speeding ticket it would be a much harsher penality than just paying the fine like you do at 25.