Which of the following typically have the highest auto insurance premiums?

Which of the following typically have the highest auto insurance premiums? I would say, youth who havet little driving experience and are more prone to drive fast and recklessly perhaps than older more staid people, and those who have had many at-fault accidents.

It is the poet alfred, lord tennyson himself

Basically someone who does it to you steady doing someone wrong that’s doing good make them wanna do you bad