The term "teen drivers" refers to individuals who are between 16 and 18 years old, and have a driver's license. This age group is considered inexperienced behind the wheel due to their lack of driving experience compared to older adults. Teenagers often face higher car insurance rates because they are more likely to be involved in accidents than older drivers. Additionally, many states have graduated driver licensing programs that restrict teenage drivers from carrying passengers under a certain age or driving at night until they gain more experience behind the wheel.