Source: Insurance Information Institute, 2024 (2022 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% 11.0% 8.9% 7.4% Another Reason to Drive Safely One study found that drivers who filed one at-fault insurance claim suffered increases in premiums averaging 44%. Premiums were based on a 40-year-old policyholder with a clean driving record, good credit, and full coverage limits. Source: Bankrate, 2025
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