I agree with your reasoning, but the comparison to 16-19 year olds in the last paragraph doesn't really make sense to me. If both groups are equally dangerous o

I agree with your reasoning, but the comparison to 16-19 year olds in the last paragraph doesn't really make sense to me. If both groups are equally dangerous on the road and drive about the same amount, why are insurance rates for 16-19 year olds (talking about the US, because that's what I have the context for) are through the roof, unlike the elderly?