Statistics for Auto Insurance Coverage

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Key takeaways...
  • Car insurance companies and their underwriters use statistics, or stats, to help determine how risky certain individuals or groups of drivers are
  • The vehicle you drive will also affect your car insurance rates. The safer the vehicle is, the cheaper your premiums will be
  • Agencies believe that educating drivers about the dangers of distracted driving will help decrease the accidents associated with it. A decrease in crashes will ultimately be a positive for all drivers because it will lower car insurance rates

When it comes to car insurance statistics, there is a lot of data to look at. Statistics refer to items of information used to help come to a conclusion about something.

Car insurance companies and their underwriters use statistics, or stats, to help determine how risky certain individuals or groups of drivers are. This, in turn, helps determine the rate to charge for an insurance policy.

Quickly compare affordable car insurance rates by leaving your ZIP code in the FREE quote tool above!

Statistics are gathered from a number of different sources. Many government agencies gather data to see how safe, or unsafe, the roads are and the reasons for it. This helps them make the necessary changes to cut down on accidents and other mishaps.

Taking a look at different statistics can help you get a decent idea about what to expect to pay for car insurance.

Uninsured Motorist Statistics

When you are looking to purchase car insurance, one of the biggest decisions you need to make is in reference to the types of coverage that you want to add to your policy. One such type is uninsured motorist coverage.

You may wonder why you would want to spend the money on this type of insurance, especially now that almost every state requires all drivers to carry insurance.

Statistics can help you decide whether or not to purchase this type of coverage or not.

The Insurance Research Council reported that around 13.8 percent of drivers are on the roadways with no insurance coverage.

If you don’t want to take the chance of any of these drivers running into you, you may choose to add this coverage to your policy.

Teenage Driver Statistics

The statistics for teenage drivers are staggering. More research has been done on this age group than any other. The Centers for Disease Control and Prevention has published many of these stats.

Teens between the ages of 16 and 19 not only get into accidents four times as much as other drivers but, as of 2009, eight teenagers died every single day from injuries sustained from car crashes.

In fact, car accidents are the number one cause of teenage deaths. Male teenagers get into accidents almost twice as much as females do.

It is probably no surprise, but teenagers who are in their very first year of driving have the highest risk of crashing. When teenagers drive at night, the crash risk almost doubles as compared to day driving.

Having peers in the vehicle negatively affects the driving ability of teens as well.

There is an increased chance of accidents when there are other teenagers in the vehicle, and this chance increases with the number of passengers in the car.

One reason for all of the teenage injuries may be seatbelt use, or more specifically, the lack of use. Teenagers use seatbelts the least out of all age groups:

  • 13.4 percent of African American teens never or rarely used them
  • 10.6 percent of Hispanics never or rarely used them
  • 9.4 percent of white teenagers never or rarely used them

Going by gender, 12.5 percent of males rarely wore seatbelts, compared to only 7.6 percent of females.

These stats for teenage drivers equal one thing when it comes to car insurance, and that is higher premiums.

There are certain things that teenagers can do to help lower rates, such as get good grades, but until the statistics start telling a different story, teens will continue to pay much higher rates than other ages.

Statistics for Senior Drivers

Although teenagers have the worst statistics, senior drivers have the second highest rate of deadly crashes, according to the Insurance Information Institute.

Frailty is said to be blamed for the majority of the fatalities. In fact, 16 percent of all drivers killed on the road in the United States were drivers aged 65 and older.

 Most of these accidents — 81 percent of them — occurred during the daytime. These stats have prompted certain states to make stricter driving guidelines for seniors.

The Insurance Institute for Highway Safety reports that 28 states, as well as the District of Columbia, now require that drivers over the age of 65 have to renew their licenses more frequently than other drivers in the state.

Some states also require that motorists above a stated age need to pass certain tests or require that doctors send in reports about serious medical problems.

Senior drivers also pay a higher rate when it comes to car insurance. However, drivers aged 45 to 55 tend to pay the lowest rates because of their low accident statistics.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Safest Vehicles

The vehicle you drive will also affect your car insurance rates. The safer the vehicle is, the cheaper your premiums will be.

Although all new vehicles must pass certain safety standards set out by the federal government, some vehicles contain features that surpass the minimum requirements.

Things that go into the safety of a car include structural design, crash-worthiness, size and weight of the vehicle, the restraint systems, daytime running lights, anti-lock brakes, and design characteristics on the road.

In general, pickups and small utility vehicles tend to have a greater chance of rolling over in an accident.

Cars that are considered to be high performance, such as sports cars, have death rates that are higher than average because of the excessive speed that most drivers use when behind the wheel of a sports car.

Each new car goes through a strenuous crash and rollover testing and is given a safety rating by the NHTSA. The number of stars that a vehicle has indicated the safeness of the car. Five stars is the highest rating possible.

You can see how your vehicle stacks up by visiting the Safer Car website. It lists the vehicles that have received five stars for safety.

You can search for a vehicle by manufacturer, class, or model. You can also get a good idea of a safe vehicle if you are looking to purchase a new one.

Remember that car insurance rates will be lower if you are insuring a safer vehicle.

Your rates will be even lower if the person driving the car has a great driving history.

Impaired Driving Statistics

Unfortunately, too many people drive while under the influence of alcohol or other drugs. A driver who has a blood alcohol level of .08 or higher is considered to be driving drunk, also known as driving under the influence.

The National Highway Traffic Safety Administration reports on the statistics related to impaired driving.

Every year, car crashes related to alcohol impairment cost over $37 billion. It is reported that, in 2010, one person died every 51 minutes from accidents related to alcohol and 31 percent of all accident fatalities were due to alcohol.

The number of people who died from these accidents in 2010 was down 4.9 percent from 2009.

The age group that is involved in more fatal crashes related to alcohol contains those drivers aged between 21 and 34. The average BAC (blood alcohol concentration) for those involved in deadly accidents is .18, more than twice the legal limit!

Males receive more DUIs than females, although alcohol-impaired driving by females is increasing.

In regards to drivers who were involved in deadly crashes, older drivers had the lowest BAC proportion compared to other drivers. Only 5 percent of seniors had a BAC of 0.08 percent or higher, compared to 22 percent of all drivers.

Being convicted of driving under the influence has multiple consequences. When it comes to car insurance, it can be very difficult to find a company who will take the risk and insure you.

If this is the case, you will either need to find a non-standard company to work with or get insurance through a government program.

Whether you get car insurance through your regular insurance company or a specialized one, it will be very expensive. A DUI also stays on your driving record longer than other traffic violations, so it will affect your rate for a longer period of time.

You also usually need to file an SR-22, which is expensive and can affect which car insurance company you use.

Claims for Auto Injury

When someone is injured in an accident, a claim is made to the insurance company. If the accident was the other party’s fault, then the claim would be covered under their bodily injury liability coverage.

If it was your own fault, the injuries would be claimed under your own medical payment or personal injury coverage, if you had either one on your policy.

The Insurance Research Council collects statistical data from reporting agencies from both the national and state levels. As of 2011, stats showed that, across the country, claims for auto injuries have increased, as have the costs.

Previous to this year, claims had either been declining or had stayed pretty stable.

In regards to car insurance, the more claims there are, the higher rates will be. Driving safely and steering clear from accidents is the best way to ensure that your rates remain as low as possible.

Distracted Driver Statistics

There are a number of things that are considered to be distracting to drivers. Using a cell phone, whether to make a call, surf the Internet, or text, is one of the biggest dangers these days.

Other distractions include drinking and eating, grooming, reading, adjusting the radio, talking to others in the car, and using your GPS.

Being distracted while driving can have serious consequences. Teenage drivers tend to be distracted the most.

According to statistics, 11 percent of teen drivers involved in fatal crashes were said to have been distracted at the time, while 18 percent of crashes among the general population was due to distraction.

Talking on a phone while driving reduces the brain activity needed for driving by 37 percent, says the Distraction website.

Using a headset does not lower this percentage. Texting while driving also increases the chance of a wreck 23 times – that’s 2300 percent!

Agencies believe that educating drivers about the dangers of distracted driving will help decrease the accidents associated with it. A decrease in crashes will ultimately be a positive for all drivers because it will lower car insurance rates.

Begin your car insurance rate comparison right now by placing your ZIP in the FREE quote area!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption