Unrelated to the original article, but I find it unusual that young drivers have cheaper insurance. In the UK younger people often pay over 2x more than drivers in their 30s or 40s, mainly due to the 18-25 demographic having high rates of reckless driving.

From the link: "Young drivers tend to need less coverage than motorists with families or greater savings to protect, a factor that we included in our analysis."

They are literally correcting for the fact that young driver's drive cheaper cars less distance. It's definitely true in the US that car insurance is more expensive for younger drivers when all other aspects are held fixed.

In New York? You have to at least double the initial estimate.