Final answer:
The driver with a history of accidents is most likely to pay high insurance rates as they are considered a higher risk and more likely to file claims in the future.
Step-by-step explanation:
Among the options given, the driver most likely to pay high insurance rates is B) The one with a history of accidents. Insurance companies use historical data and statistics to predict future behavior and assess risk. According to the principles of actuarially fair insurance, those in higher risk groups, such as drivers with a history of accidents, tend to pay more because they are more likely to file claims in the future. This also relates to the concepts of moral hazard and adverse selection, which are problems data in insurance markets due to imperfect information and attempts to categorize individuals into risk groups.