Automotive Fleet
MenuMENU
SearchSEARCH

Insurance Institute Study Focuses on Impact of Driving Age Requirements

ARLINGTON, VA --- Most U.S. states allow driving at age 16, 16½, or somewhere in between. A new Insurance Institute for Highway Safety report focuses on the costs in terms of lives of allowing licensure sooner rather than later.

by Staff
September 11, 2008
5 min to read


ARLINGTON, VA --- Most U.S. states allow driving at age 16, 16½, or somewhere in between. A new Insurance Institute for Highway Safety report focuses on the costs in terms of lives of allowing licensure sooner rather than later.

The message is that licensing at later ages would substantially reduce crashes involving teen drivers, the institute said. The same conclusion has been reached in other countries. Teens in Great Britain and most Australian states can't get their licenses until they turn 17, for example. In most EU countries it's 18. The institute's new report is being released at the annual meeting of the Governors Highway Safety Association.

Ad Loading...

Legislation was introduced during the most recent sessions of lawmakers in Delaware, Florida and Georgia to adopt 17 as the minimum age to get a driver's license. One bill in Massachusetts also proposed 17, while another one argued for 18. Yet none of these measures, nor one that would have raised the licensing age in Illinois to 18, met with any success.

"This is a tough sell," said Anne McCartt, institute senior vice president for research, "but it's an important enough issue to challenge the silence and at least consider changing the age at which we allow teenagers to get their licenses to drive. After all, graduated licensing has been successful ever since states began to adopt these programs more than a decade ago, and raising the licensing age is a logical next step to reduce driving by the riskiest motorists on the road, the youngest ones."

The graduated systems in most U.S. states include permit periods and then limit when and with whom young beginners may drive. The result has been to lower the crash rates in state after state.

Among U.S. states, only New Jersey holds off licensure until age 17, and a recent analysis of the crash experience of young drivers indicates the benefits. A rate of 4.4 16-year-old drivers per 100,000 population were in fatal crashes during the study years, compared with 20.7 per 100,000 in neighboring Connecticut, where 16 year-olds could get licenses.

The lower death rate in New Jersey was offset by a slightly higher rate at age 17 (32.3 versus 31.1 per 100,000), but the combined rate for 16 and 17 year-olds still was much lower than in Connecticut. These comparisons don't reflect the benefits of graduated licensing in either state because the study years, 1992-96, were before graduated systems began to be adopted in New Jersey (2001) or Connecticut (1997), the institute said.

Ad Loading...

Two previous institute studies also compared the effects of the licensing policies in New Jersey versus Connecticut. During 1975-80, there were four crash deaths of 16-year-old drivers per 100,000 in New Jersey compared with 26 per 100,000 in Connecticut. The study authors estimated that Connecticut could achieve a 66 percent reduction in fatal crashes among 16- and 17-year-old drivers by changing the licensing age to 17. Similar differences in these states' rates of all kinds of crashes, not just fatal ones, were reported a decade later.

When an attempt got under way in the 1980s to lower the licensing age in Victoria, Australia, from 18 years old to 17 or 16, researchers studied the potential effects and estimated that changing to 17 would result in 650 to 700 more injury crashes per year and 30 to 50 more crashes involving deaths. Lowering the licensing age to 16 would worsen this jurisdiction's annual toll even more. Subsequent study indicated that restricting the driving privileges of Victoria's newly licensed 17 year-olds under a graduated system wouldn't make up for the added risk associated with lowering the licensing age.

Allan Williams, former institute chief scientist and author of the new report on the driving age, said "the two policies, licensing later rather than sooner and restricting beginners' driving under graduated licensing, complement each other." Victoria retains its licensing age of 18.

A basic question is whether the risk associated with beginning drivers stems from their youth and immaturity or their inexperience behind the wheel. If it's mainly immaturity, then it would pay to put off licensure until teenagers get a little older. But if the problem is mostly inexperience, delaying licensure would simply put off the toll of beginners' crashes. It's hard to separate these two factors. Death rates among 16-year-olds are much lower in New Jersey than in Connecticut. This isn't surprising, and it indicates the wisdom of licensing later rather than sooner. However, death rates are slightly higher among 17-year-old drivers in New Jersey, likely because they have less experience behind the wheel than drivers the same age in Connecticut, the institute said.

Canadian researchers tried to untangle the influence of age and experience on crashes involving beginners by dividing drivers 16, 17 and 18 years old according to whether they had been driving less than a year or more than a year. The main finding, reported in 1992, is that 16-year-olds, especially girls this age, had higher rates of injury crashes than older teenagers who also were new to the road.

Ad Loading...

A review of 11 studies published since 1990 also separates the relative contributions of driver age and inexperience to beginners' crashes. The upshot of this institute study is that new drivers who are 16 years old have higher crash rates than older teenagers who also are new drivers.

"Apart from the effects of age or experience, delaying driver licensure reduces crash rates by reducing the amount young people drive," McCartt said.


Topics:Safety

More Safety

A person with hands on the steering wheel driving
Safetyby Judie NuskeyMay 15, 2026

The Distractions You Can’t Turn Off: What Drivers Face Outside the Vehicle

Fleet drivers face constant visual, cognitive, and environmental interruptions the moment they hit the road. From roadside chaos to mental fatigue and digital overload, today’s biggest driving risks often come from outside the vehicle itself.

Read More →
Hail covers the windshield and hood of a black vehicle with text overlay about FLASH Weather AI’s new hail prediction model.
Safetyby News/Media ReleaseMay 13, 2026

FLASH Weather AI Launches First Deep-Learning Hail Prediction Model With High-Resolution Forecasting

FLASH Weather AI has launched a first-of-its-kind hail prediction model capable of forecasting hail size and arrival time at 1-kilometer resolution up to 55 minutes ahead, giving fleets and insurers critical time to prepare for severe storms.

Read More →
Coca-Cola fleet executive smiling beside graphic text reading “Rolling Dollar Signs” about the company’s trucking and fleet strategy.
Safetyby Chris BrownMay 12, 2026

How Coca-Cola United Protects Its Fleet from Growing Legal Risk

As litigation risk rises, vehicles are increasingly targeted. This Coca-Cola bottler shares how it’s reducing exposure through driver training, technology, and a proactive risk management approach.

Read More →
Ad Loading...
Two trucking industry workers talk in front of semi-trucks beside text reading, “The issue isn’t lack of safety technology — it’s lack of alignment.”
SafetyMay 12, 2026

How to Speak the Same Language on Fleet Safety

Drivers, supervisors, and data often speak different safety “languages.” Getting on the same page will drive better results.

Read More →
pictures of a lock with the words Cybersecurity 101
Safetyby Jeanny RoaMay 11, 2026

Fleet Cybersecurity 101: What You Need from Your Technology Vendors

From identity management to third-party certifications, the right technology partner should make security easier to manage. Here are the three building blocks that fleet managers need to stay in control as connected systems scale.

Read More →
Chris Brown sits across from safety experft at Lifesaver mobile in an interview about distracted driving and phone use tech.
Safetyby Chris BrownMay 1, 2026

Reducing Risk by Eliminating Phone Use Behind the Wheel

Distracted driving remains one of the most persistent risks in fleet operations. New approaches focus on removing mobile device use entirely while adding real-time safety support.

Read More →
Ad Loading...
Safetyby Jeanny RoaApril 15, 2026

Distracted Driving in the Age of Smart Tech – Part 2

As distraction risks evolve, fleets are turning to smarter, more connected technologies to better understand what’s happening behind the wheel. Part 2 explores how these tools are helping identify risky behaviors and improve visibility across operations.

Read More →
Safetyby Jeanny RoaApril 11, 2026

 Data Rights, Risks, and Responsibilities After a Crash

What fleets capture to improve safety can also expose them in litigation, forcing leaders to rethink how data is managed, stored, and shared.

Read More →
Driver holding a phone while steering, illustrating distracted driving and the importance of mental awareness and attention on the road for fleet safety.
Safetyby Judie NuskeyApril 10, 2026

From Distraction to Detection: Strengthening Awareness in Fleet Drivers

Distracted driving is often measured by what we can see—phones in hand, eyes off the road. But what about the distractions we can’t? A recent incident raises a bigger question about awareness, attention, and why subtle risks so often go unnoticed.

Read More →
Ad Loading...
Safetyby StaffApril 8, 2026

Lytx 2026 Road Safety Report

While serious crashes are declining, a rise in minor incidents and ongoing risk hotspots underscore the need for continued fleet safety investment.

Read More →