Car Accident Statistics and Insurance Rates

Car accident statistics in your area will influence your car insurance rates. Your rates will only be impacted by car accident statistics by your age or vehicle. Other factors that can affect your insurance rates include driving record, claim record, and credit score.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • Where you live and the types of accidents that occur in your area will influence your car insurance costs
  • Take time to check reports on car accidents in any area to which you are considering moving
  • Car insurance companies do offer discounts, so check with your agent to see which discounts you qualify for

If you didn’t already know it, car accident statistics in your state would affect how much you pay for your car insurance. Even if you have never had an accident, but you live in a high-risk area, you rates will be adversely affected.

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Conversely, if you live in a low-risk area, your rates will be positively affected by statistics.

Accident statistics, car insurance rates and your driving record all go hand-in-hand when determining just how much you will pay for your auto insurance.

You may find that your twin sister with the same driving record as you and who lives in the same state will pay more or less than you depending on what county or even zip code she lives in.

If you are planning a move, you should not only check out the crime rate in your area, but you should check accident statistics as well.

In the end, your insurance bill could be affected by hundreds of dollars annually.

Statistics that Insurance Companies Use

Unfortunately, you aren’t going to be able to find the same car accident statistics the insurance companies use. Car insurance companies have access to claims information that you don’t.

You see, there is a national claims database that only insurance companies, insurance brokers, and licensed agents are allowed to access.

Real estate agents can request this information from the insurance companies in order to provide an accurate description of a home.

The good news is that you don’t have to have access to this database to get a good idea of what types of accidents occur in your area.

There are a couple of websites that offer statistics on auto accidents for your area.

To start with, you should visit your state’s Department of Insurance website. In many cases, you can find an annual report on accidents for your state.

A good report will include information on every county; a great report will provide information with just a zip code, but it is unusual to find a report with such specific detail.

Also, you will find that these types of reports are broken down by type of accident, including how many were caused by DUI driving, teen drivers, commercial vehicles, and more. Some reports offer information on things like how many accidents were rear-end, side swipes, or hit-and-run.

If your Department of Insurance doesn’t offer this report, visit your local DMV or State Highway Patrol website. If you can’t find this information on any of these sites, send a letter of inquiry.

Every state collects this information, but it is possible that they haven’t posted them online and only provide the information upon request.

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Accident Statistics that Affect Your Rates


Fortunately, not every negative statistic will affect your car insurance.

For example, statistics regarding teen drivers only affect policies that include a teen driver. If you don’t have a teen in your home, and there is a high rate of teen accidents in your area, you probably won’t be affected by this statistics.

Also, you won’t be affected by statistics regarding certain car types if you don’t own that type of vehicle.

Certain sports cars, for instance, are in more accidents than other types of vehicles.

Even if there is a high incident of this in your area, it won’t affect your rates unless you choose to purchase that particular sports car.

Doing a car insurance comparison between several car insurance companies will ensure that you always get the best rates regardless of the accident statistics for your area.

Car Insurance Companies Offer Discounts

The great news is that you can take advantage of many of the discounts that car insurance companies offer if you live in an area that has bad accident statics.

Car insurance companies understand that if they charge too much, they are going to lose customers, so they will help you to negate some of your costs if you are a good driver.

In most cases, you will have to have a clean driving record for three years to qualify for good driver discounts, but it is well worth it considering you could see significant savings.

Enter your zip code below to receive rates from multiple car insurance providers today!

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