Raising learner’s permit age may have positive effects on teen auto insurance rates

Young drivers benefit from GDL laws.It can be difficult to find cheap insurance for young drivers, but if a new national graduated driver licensing law is passed, that may change.

Most GDL laws require young drivers receive their license in three separate stages, according to the Governors Highway Safety Association. North Dakota is the only state to not have all three steps, and the proposed federal legislation would replace all of the individual laws with a national standard, USA Today reports.

Teens are viewed by auto insurance companies as riskier to insure, and a nationwide law could result in safer driving practices and cheaper premiums among this age group.

Not everyone is a fan of this legislation. Alex Koroknay-Palicz, executive director of the National Youth Rights Association, said "I think doing this would be a horrible idea. Part of the beauty of our federal system is allowing states to be laboratories and having different policies and approaches to difficult problems."

Implementing GDL laws has been proven to reduce the risk of teens becoming involved in auto accidents and fatal crashes, the Insurance Institute for Highway Safety found.ADNFCR-3298-ID-19765834-ADNFCR

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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