The rates for our study are based on profiles for male and female drivers who are 17, 25, 35, and 60 years old. The vehicles used include the 2018 and 2023 Honda Civic, the 2018 and 2023 Toyota RAV4, and the 2018 and 2023 Ford F-150, with mileages of 6,000 and 12,000 annually...