Barbara Wellensiek knew her son’s insurance premium would be steep because of his driving record, but she never expected it would be $104,566.63 when the renewal notice came in. “I thought it was a typo,” Ms. Wellensiek, of Edmonton, said yesterday. Access Insurance Group denied a mistake and said the rate was being increased from $1,300 a month. “I just about fainted — how could this be?” She has calculated that her son, Janson Towers, would have to earn $55 an hour all year just to pay his auto insurance premium. Mr. Towers has all the factors going that make for a very high rate even under the new grid system brought in when Alberta’s auto insurance reforms took effect in 2004. He is 19, and has a “tendency to speed,” Mr. Wellensiek said. Since May, 2005, he has received 10 speeding tickets, and has been in two minor “fender-benders” as well as a rear-ender that totalled his car. Although the insurance industry has complained that the grid system rewards bad drivers, an insurer could charge even more.