Should Insurance Rates be linked to Speed Violations?

[Eug]

Well, that one states that fatal accident rates in both the 19 and under group and the 20-25 group about the same, but both are much higher than with older drivers. The rates decline significantly over age 25, and are lowest in the 55-74 age group. It goes back up at age 75, but it's still lower than 20 year olds.

However, for all accident statistics as listed, the rate is higher in the 19 and under group than it is in the 20-25 group, and drops as you get older, with seniors having lower accident rates than 30 year olds. (Interestingly, it remains low at age 75.)

Presumably that's why rental companies often won't rent to anyone under age 25.

For clarity's sake:

Fatal accidents
Up to 19: 38/100000 licenced drivers
20 to 24: 36/100000
25 to 34: 24/100000
35 to 44: 20/100000
45 to 54: 20/100000
55 to 64: 18/100000
65 to 74: 18/100000
Over 74: 28/100000
Average: 23/100000

All accidents
Up to 19: 20/100 licenced drivers
20 to 24: 14/100
25 to 34: 9/100
35 to 44: 8/100
45 to 54: 7/100
55 to 64: 5/100
65 to 74: 4/100
Over 74: 4/100
Average: 8/100