Can somebody explain this quote?

[Slono]

My related info:
- 2011 Kawasaki ninja 250
- 5+ years "G" license
- 24 years old, 25 in July
- 1 at fault accident (fender bender) in dec. 2009
- Less than 1 year with M2

Here is what I've been quoted by 3 state farm agents as of January this year.

$1000 Deductible: $181.41 (under 25 years old)
$62.35 (over 25 years old)
$500 Deductible: $204.84 (under 25 years old)
$65.84 (over 25 years old)

The under 25 rate seems very expensive as I've seen people on this forum with more infractions / collisions on their license have lower rates. Why is this?