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On their website you can learn about how the adolescent brain develops from back to front. That means that the prefrontal cortex, the part of the brain responsible for judgment, managing emotions, and complex thinking, doesn’t fully develop until the mid-twenties.
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As a number of researchers have suggested, the insurance and rental car companies have it right. The teen brain isn't fully mature at 16, when they are allowed to drive, or at 18, when they are allowed to vote, or at 21, when they are allowed to drink. In fact, it's not fully wired until they are closer to 25, when they are allowed to rent a car and their insurance rates begin to get reasonable.
Visit the MIT Young Adult Development Project website for a great short-course on the young male brain. It will explain a lot about teen behavior and maybe replace some frustration at their choices with understanding and even compassion.
The regular use of drugs and alcohol during the entire phase of neurological development will obviously have some effect.
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