I wouldn't want a teenager driving on ice and snow covered roads in the dark on roads with no street lights.
So, pretty much outside city limits in every state in America that gets snow?
Teens die a lot because of gross errors in judgement, drunkenly flying off a cliff on their way to prom with eight people in the car, that kind of stuff. Those kinds of errors mostly tangential to snow and lighting.
I live in a rural area. I can think of exactly four street lights that are within a 10-mile radius of my home, and I'm not that far outside town. So yeah, it's pretty dark at night.
Yes, roads around here are mostly cleared of snow and ice, but they're still dirt/gravel roads and the snow is usually pushed off to the shoulders where a bicycle would be riding, and even then, I'm sure you can understand that dirt absorbs water and will then refreeze. It's not a particularly safe place to be riding a bike.
Cars with proper winter tires is far easier to keep steady, than a bike. Especially if windy.
Most teens out here drive tractors to get around. Personally, I'd prefer if Finland went the Swedish route here - an old Volvo with limited speed is still less dangerous than a large tractor.
I grew up in rural Michigan, so similar weather and density to the Nordic countries. There are PLENTY of times when driving is perfectly safe and I wouldn't bike. And I prefer walking/biking to driving most of the time.