It is often noted that teenagers have a higher accident rate than any other age group.  Well DUH!!  They are new drivers, they have no experience.  As you can see from the graph on the left, accident rates decline with experience.

If you look at fatal accidents a slightly different story emerges.  First and second year drivers have fewer fatal accidents than those with more experience.  Which means that the excessive rate of accidents is due to minor fender benders -- where the new driver misjudge distances and bumped something.

At 21+, while the accident rate continues it's steady fall, the fatal accident rate takes a spikes.  Not surprising, as 21+ is also when people can legally be served alcohol in public.

We see another spike, both in accidents and fatal accidents for 45+ . . .  Mid-Life Crisis!

Finally then is a rising surge in fatal accidents for drivers 65 and over.  While they have fewer accidents those accidents are more likely to kill.  Them.  65+ and you tend to die easier.  As I have stated before...  when you are young and fall off a motorcycle you bounce.  If I crash I will splatter.