Amends GS 58-36-65 as follows. Allows the Commissioner of Insurance to consider whether any licensed drivers are under age 19 when setting rate classifications for private passenger motor vehicles. Allows a subclassification plan to provide for premium surcharges for insureds who are less than 19 years old. Makes conforming changes. Amends GS 58-37-35 to define a clean risk as a private motor vehicle owner if the owner, principal operator, and each licensed operator in the owner's household are 18 or older and none of the individuals have been assigned any Safe Driver Incentive Plan points during the specified time period. Makes conforming change to GS 58-3-25. Effective July 1, 2013.