As an auto insurance risk analyst, it is your job to research risk profiles for various types of drivers. one common area of concern for auto insurance companies is the risk involved when offering policies to younger, less experienced drivers. the u. s. department of transportation recently conducted a study in which it analyzed the relationship between 1) the number of fatal accidents per 1000 licenses, and 2) the percentage of licensed drivers under the age of 21 in a sample of 42 cities.