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According to insurance company statistics, 16- to 20-year-olds account for more than 14 percent of all driver fatalities but represent only 5.1 percent of licensed drivers. Therefore, young adults wind up paying 25 percent to 50 percent more than their parents for auto insurance.

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Edited by Cara DiPasquale (cdipasquale@tribune.com) and Kris Karnopp (kkarnopp@tribune.com)