Source: Insurance Information Institute, 2023 (2021 data, most current available) Common Factors in Fatal Crashes Excessive speed Driving under the influence of drugs or alcohol Careless driving Failure to yield right-of-way 18.5% 11.2% 7.6% 7.0% Another Reason to Drive Safely One study found that drivers who filed one at-fault insurance claim in a 12-month period suffered increases in premiums averaging 56%—and a second claim caused premiums to rise by as much as 125%. Premiums were based on a 40-year-old male policyholder with a good driving record. Source: CarInsurance.com, 2023 (2022 data, based on at-fault property damage claims of more than $2,000 each)
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