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Last updated: December 6, 2024

Car Crash Statistics 2024

Speeding and drunk driving cause a combined 60 percent of traffic fatalities in the U.S.

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Although most of us drive every day, we don’t always think about the possible consequences of doing so. In worst-case scenarios, a motor vehicle crash can lead to property damage, injury, and even death. Fortunately, traffic fatalities are rare, but actions like drinking and driving, distracted driving, and speeding make them more likely.

Meanwhile, seat belts can save lives, and thankfully, most people in the U.S. comply with mandatory seat belt laws. However, there are certain situations in which people are more or less likely to wear seat belts. For example, school buses in some areas don’t have seat belts.

While 2024 data is not yet available, let’s take a look at the most recent statistics about car crashes in the United States.

Key Takeaways

  • According to the Bureau of Transportation Statistics, there were 42,514 traffic fatalities in the U.S. in 2022.
  • The state of California had the highest number of traffic fatalities in 2022, with a total of 4,428.
  • Across the U.S., about one-third of traffic deaths involve drunk driving. South Carolina and Rhode Island have the highest percentages of alcohol-related traffic fatalities.
  • Speeding is responsible for about one-third of traffic fatalities in the U.S.
  • Seat belts are extremely important safety devices, and fortunately, more than 90 percent of people in the U.S. wore them in 2023. In 2022, 86 percent of the people who survived passenger vehicle crashes were wearing seat belts.

Editor’s note (last updated November 2024): We have updated this page with the latest federal and state statistics and data on car crashes and seat belt use in the U.S.

Motor Vehicle Crash Deaths

By Year

Year over year, from 1960 to 2021, the number of traffic fatalities increased by 1 percent on average. In 2022, the most recent year for which data is available from the Bureau of Transportation Statistics, there were 42,514 traffic fatalities in the U.S., a 2 percent increase from 2021.1

Made with Flourish
Year Fatalities
1960 36,399
1965 47,089
1970 52,627
1975 44,525
1980 51,091
1985 43,825
1990 44,599
1991 41,508
1992 39,250
1993 40,150
1994 40,716
1995 41,817
1996 42,065
1997 42,013
1998 41,501
1999 41,717
2000 41,945
2001 42,196
2002 43,005
2003 42,884
2004 42,836
2005 43,510
2006 42,708
2007 41,259
2008 37,423
2009 33,883
2010 32,999
2011 32,479
2012 33,782
2013 32,893
2014 32,744
2015 35,484
2016 37,806
2017 37,473
2018 36,835
2019 36,355
2020 39,007
2021 43,230
2022 42,514

By State

According to data from the National Highway Traffic Safety Administration’s (NHTSA) Fatality Analysis Reporting System (FARS), the state of California had the highest number of traffic fatalities in 2022, with a total of 4,428.2 On average, 850 people died in car accidents in each state in 2022.

Of course, these numbers don’t take into account the number of licensed drivers per state, just the total number of traffic deaths. As such, states with larger populations are expected to have more traffic fatalities.

Accounting for the number of licensed drivers, the states with the highest rates of fatalities in 2022 were:

  • Mississippi (34 fatalities per 100,000 licensed drivers)
  • Wyoming (31 fatalities per 100,000 licensed drivers)
  • New Mexico (31 fatalities per 100,000 licensed drivers)
  • Arkansas (28 fatalities per 100,000 licensed drivers)
  • Oklahoma (28 fatalities per 100,000 licensed drivers)

The states with the lowest rates of fatalities were:

  • District of Columbia (six fatalities per 100,000 licensed drivers)
  • Rhode Island (seven fatalities per 100,000 licensed drivers)
  • Massachusetts (nine fatalities per 100,000 licensed drivers)
  • New York (10 fatalities per 100,000 licensed drivers)
  • New Jersey (10 fatalities per 100,000 licensed drivers)
State Number of traffic fatalities in 2021 Number of traffic fatalities in 2022 Number of licensed drivers in 2022 Fatalities per 100,000 licensed drivers in 2022
Alabama 983 988 4,087,885 24
Alaska 70 82 521,220 16
Arizona 1,192 1,302 5,847,661 22
Arkansas 692 643 2,306,921 28
California 4,513 4,428 27,632,103 16
Colorado 691 764 4,477,447 17
Connecticut 303 359 2,628,775 14
Delaware 136 162 862,122 19
District of Columbia 41 32 510,985 6
Florida 3,741 3,530 16,495,556 21
Georgia 1,809 1,797 7,360,699 24
Hawaii 94 116 937,076 12
Idaho 273 215 1,392,644 15
Illinois 1,334 1,268 8,509,418 15
Indiana 932 949 4,653,808 20
Iowa 356 338 2,354,046 14
Kansas 423 410 2,052,473 20
Kentucky 806 744 2,993,550 25
Louisiana 971 906 3,401,947 27
Maine 153 182 1,060,461 17
Maryland 563 564 4,398,839 13
Massachusetts 413 434 4,889,069 9
Michigan 1,137 1,124 7,776,994 14
Minnesota 488 444 4,117,786 11
Mississippi 766 703 2,047,069 34
Missouri 1,016 1,057 4,290,391 25
Montana 239 213 870,882 24
Nebraska 221 244 1,449,818 17
Nevada 385 416 2,210,689 19
New Hampshire 118 146 1,174,826 12
New Jersey 692 685 6,633,936 10
New Mexico 483 466 1,508,575 31
New York 1,156 1,175 12,084,675 10
North Carolina 1,693 1,630 7,980,262 20
North Dakota 101 98 563,161 17
Ohio 983 1,275 8,405,794 15
Oklahoma 70 710 2,556,609 28
Oregon 1,192 601 3,104,916 19
Pennsylvania 692 1,179 9,124,262 13
Rhode Island 4,513 52 760,414 7
South Carolina 691 1,094 4,091,650 27
South Dakota 303 137 679,711 20
Tennessee 136 1,314 5,061,288 26
Texas 41 4,408 18,738,980 24
Utah 3,741 319 2,252,656 14
Vermont 1,809 76 478,421 16
Virginia 94 1,008 5,837,147 17
Washington 273 733 5,956,048 12
West Virginia 1,334 264 1,148,406 23
Wisconsin 932 596 4,374,582 14
Wyoming 356 134 431,900 31

By Vehicle Type

Passenger vehicles were involved in 33 percent of fatal crashes in 2022, while light trucks were involved in 43 percent.3 The most common type of passenger car involved in fatal crashes was a sedan, while the most common light truck type was a utility truck.

Much like the number of traffic fatalities, this data does not take into account how many of each vehicle type are on the road, so it doesn’t necessarily indicate that these vehicle types are more dangerous than others.

Type of vehicle Body type Number of vehicles involved in fatal crashes in the U.S. in 2020 Percentage
Passenger car All passenger cars 20,049 33%
Passenger car Convertible 427 1%
Passenger car Sedan 15,757 26%
Passenger car Coupe 1,777 3%
Passenger car Hatchback 1,782 3%
Passenger car Wagon 306 0.5%
Light truck All light trucks 25,807 43%
Light truck Utility 14,117 23%
Light truck Minivan 1,160 2%
Light truck Cargo van 522 1%
Light truck Step van 2 0%
Light truck Other van type 364 0.6%
Light truck Light pickup 9,627 16%
Light truck Other light truck 15 0%
Large truck Large trucks 5,837 10%
Large truck Utility 1 0%
Large truck Cargo van 29 0%
Large truck Step van 32 0.1%
Large truck Other van type 35 0.1%
Large truck Large pickup 764 1%
Large truck Single-unit truck 1,476 2%
Large truck Truck tractor 3,444 6%
Large truck Other large truck 56 0.1%
Motorcycle Motorcycles 6,359 11%
Motorcycle 2-wheel motorcycle (excluding motor scooters) 5,692 9%
Motorcycle Moped 41 0.1%
Motorcycle 3-wheel motorcycle (2 rear Wheels) 81 0.1%
Motorcycle Off-road motorcycles 140 0.2%
Motorcycle Unenclosed 3-wheel motorcycle/unenclosed autocycle (1 rear wheel) 40 0.1%
Motorcycle Motor scooter 242 0.4%
Motorcycle Other motored cycle type (minibikes, pocket bikes) 20 0%
Motorcycle Unknown motored cycle type 103 0.2%
Bus Buses 213 0.4%
Bus School bus 91 0.2%
Bus Intercity bus 14 0%
Bus Transit bus 74 0.1%
Bus Other bus 34 0.1%
Other Other/unknown vehicle types 2,236 4%
Other Motorhome 51 0.1%
Other All-terrain vehicle 257 0.4%
Other Recreational off-road Vehicle 209 0.3%
Other Snowmobile 14 0%
Other Farm equipment 90 0.1%
Other Construction equipment 13 0%
Other Low-speed vehicle 5 0%
Other Golf cart 23 0%
Other Street sweeper 3 0%
Other Other vehicle 111 0.2
Other Unknown vehicle type 1,460 2.4
Total n/a 60,501 n/a

Motor Vehicle Crash Injuries

In 2022, the NHTSA estimated that there were close to 6 million injury-only motor vehicle crashes, meaning they didn’t cause any fatalities or property damage. Over 2 million people were injured in traffic accidents that year. Ninety-one percent of the injured people were passenger vehicle occupants, 3 percent were motorcyclists, and 5 percent were nonoccupants, such as pedestrians.4

Category Number of injuries (2022)
Passenger vehicle occupants (including driver) 2,169,123
Motorcyclists 82,687
Pedestrians 67,336
Cyclists 46,195
Other/unknown nonoccupants 17,430
Total injuries 2,382,771

Looking at all of the motor vehicle crashes that occurred in 2022, 71 percent caused property damage only, 28 percent were injury only, and 1 percent involved fatalities.

Most Common Causes of Crashes

Alcohol

It’s a sad but true fact that every day in the U.S., approximately 37 people die from drunk driving accidents. In 2022, the total number was 13,524 people, a slight 0.7 percent decrease from 2021.4

Across the U.S., about one-third of traffic deaths involve drunk driving, making it one of the most common causes of traffic fatalities. When you’re behind the wheel, make sure your blood alcohol concentration is at 0 percent to avoid a fatal drunk-driving accident.

Below are the 12 states with the highest percentages of alcohol-related traffic fatalities:

State Percentage of fatal crashes involving drunk driving in 2022
South Carolina 43%
Rhode Island 43%
Texas 42%
District of Columbia 39%
Oregon 39%
Maryland 37%
Illinois 37%
Ohio 37%
New Hampshire 36%
Washington 35%
Arizona 35%
Connecticut 35%

Distracted Driving

Distracted driving is another common yet dangerous practice in the U.S., and it was the cause of 8 percent of fatal crashes in 2022. The state with the highest rate of distracted-driving–related fatalities was New Mexico, followed by Louisiana and Kansas.5

Speeding

While speeding is quite common, it can be very dangerous. In 2022, there were 12,151 deaths due to speeding, making up 29 percent of all traffic fatalities.

Speeding is even more dangerous in bad weather. Forty-four percent of speeding-related fatal crashes involved mud, dirt, or gravel; 41 percent involved ice or frost; 39 percent involved moving or standing water; and 33 percent involved snow and slush. That means you need to be extra careful in the wintertime, especially on holidays, when deadly car crashes soar.

Additionally, statistics show that certain demographic groups are more likely to speed than others, which is one reason men pay more for car insurance.

Age group Number of speeding male drivers in fatal crashes, 2022 Percentage of total crashes Number of speeding female drivers in fatal crashes, 2022 Percentage of total crashes Total number of speeding male and female drivers in fatal crashes, 2022 Percentage of total crashes
15-20 1,237 35% 246 19% 1,483 14%
21-24 1,256 32% 237 17% 1,493 14%
25-34 2,501 27% 536 17% 3,037 28%
35-44 1,664 21% 323 13% 1,987 18%
45-54 1,039 16% 217 11% 1,256 12%
55-64 777 13% 158 8% 935 9%
65-74 352 9% 74 6% 426 4%
75+ 192 8% 54 5% 246 2%
Total 9,018 83% 1,845 17% 10,863 n/a

Men made up 83 percent of all speeding drivers in fatal crashes in 2022. Additionally, those between the ages of 25 and 34 made up almost a third of all speeding drivers who died in crashes the same year. The age group with the lowest rates was senior drivers 75 and older, which we’ll discuss in more detail below.6

Restraint Use: How Seatbelts Can Help

Seat belts are extremely effective in preventing both injuries and deaths in crashes. In the front seat, they are estimated to reduce passenger car deaths by 45 percent and injuries by 50 percent. That means — statistically speaking — that out of the 11,471 passengers who were not wearing their seat belts when they died in car crashes in 2022, around 5,162 could have lived had they used these restraints.

From 1975 to 2017, seat belts saved an estimated 374,276 lives, an average of 8,911 a year. In 2022, 86 percent of the people who survived passenger vehicle crashes were wearing seat belts; only 14 percent were not.7 In other words, more than eight in 10 survivors of car crashes were wearing seat belts.

SEAT BELTS SAVE LIVES

More than eight in 10 survivors of car crashes were wearing seat belts at the time of the crash.

Aside from preventing deaths, seat belts also make moderate-to-critical injuries 50 percent less likely for front-seat passengers.

Seat Belt Laws by State

Because the U.S. has no federal law regarding seat belt use, each state is responsible for deciding who must wear a seat belt based on their age and where they’re sitting in the vehicle. Each state legislature also decides if enforcement of these laws is primary, meaning that police can stop someone for violating a seat belt law alone, or secondary, meaning that it has to be accompanied by another offense for police to stop the car. Children are also often covered by separate laws.

State Covered ages Covered seats Enforcement type Maximum fine for first offense
Alabama 15+ All Primary (secondary for rear seats) $25
Alaska 16+ All Primary $15
Arizona 5+ All: Ages 5-15

Front: Ages 8+

Secondary $10
Arkansas 15+ Front Primary $25
California 16+ All Primary $20
Colorado 18+ Front Secondary (primary for under 18) $71
Connecticut 8+ All Primary (secondary for rear seat occupants over 16) $15
Delaware 16+ All Primary $50
District of Columbia 16+ All Primary $25
Florida 6+ All: Ages 6-17
Front: Ages 6+
Primary $30
Georgia 8+ All: Ages 8-17
Front: Ages 18+
Primary $15
Hawaii 8+ All Primary $45
Idaho 7+ All Secondary (primary for drivers under 18) $10
Illinois 16+ All Primary $25
Indiana 16+ All Primary $25
Iowa 18+ Front Primary $25
Kansas 14+ All Primary (secondary for ages 18+ in rear seats) Ages 14-17: $60, no court costs
Ages 18+: $10, no court costs
Kentucky 7+ (also 6 and under if over 57 inches tall) All Primary $25
Louisiana 13+ All Primary $25; $45 in Orleans Parish
Maine 18+ All Primary $50
Maryland 16+ All Primary (secondary for rear seats) $25
Massachusetts 13+ All Secondary $25
Michigan 16+ Front Primary $25
Minnesota 18+ All Primary $25
Mississippi 7+ All Primary $25
Missouri 16+ Front Secondary (primary for children under 16) $10
Montana 6+ All Secondary $20
Nebraska 18+ Front Secondary $25
Nevada 6+ All Secondary $25
New Jersey 8+ (also 7 and under if over 57 inches tall) All Primary (secondary for rear seats) No law
New Hampshire Under 18 (no law for adults) All Primary $20
New Mexico 18+ All Primary $25
New York 16+ All Primary $50
North Carolina 16+ All Primary (secondary for rear seats) $25
North Dakota 18+ All Primary $20
Ohio 8+ All: Ages 8-14
Front: Ages 15+
Secondary (primary for ages 8-14) $30 for driver; $20 for passenger
Oklahoma 9+ Front Primary $20
Oregon 16+ All Primary $110
Pennsylvania 18+ Front Secondary (primary for children under 18) $10
Rhode Island 18+ All Primary $40
South Carolina 8+ All Primary $25
South Dakota 18+ Front Secondary $20
Tennessee 16+ Front Primary $50
Texas 8+ (also 7 and under if over 57 inches tall) All Primary $200
Utah 16+ All Primary $45
Vermont 18+ All Secondary (primary for ages under 18) $25
Virginia 18+ Front Secondary (primary for ages under 18) $25
Washington 16+ (and younger if over 4’9”) All Primary $124
West Virginia 8+ All: Ages 8-17
Front: Ages 8+
Primary $25
Wisconsin 8+ All Primary $10
Wyoming 9+ All Secondary $25 for driver; $10 for passenger8

New Hampshire has the most lenient seat belt laws in that there is no seat belt law for adults. However, those under 18 are required by law to wear them. This law is under primary enforcement.

How Often Do People Wear Seat Belts?

Fortunately, over nine out of 10 people in the U.S. wore seat belts in 2023.9

Year Adults in front passenger seats who wore seat belts Year-over-year difference
2007 83% N/A
2008 83% 0%
2009 84% 1%
2010 85% 1%
2011 84% -1%
2012 86% 2%
2013 87% 1%
2014 87% 0%
2015 89% 2%
2016 90% 1%
2017 90% 0%
2018 90% 0%
2019 91% 1%
2020 90% -1%
2021 90% 0%
2022 92% 2%
2023 92% 0%

Certain factors affect the frequency of seat belt use. For example, in 2023:

  • People in heavy traffic were 9 percent more likely to wear seat belts than people in light traffic.
  • People in pickup trucks were 7 percent less likely to wear seat belts than people in vans and SUVs, and 5 percent less likely than people in passenger cars.
  • People in the West were 4 percent more likely to wear seat belts than those in the Northeast and Midwest, and 9 percent more likely than those in the South.
Demographic/circumstance How often they wore seat belts in 2023 (high to low)
Drivers in the West 97%
Driving on expressways 94%
Driving in fast traffic 94%
Driving in vans and SUVs 94%
Driving in heavy traffic 94%
Driving in weather conditions with unclear visibility 94%
Drivers in the Midwest 93%
Drivers in the Northeast 93%
Driving on weekends 93%
In states with primary seat belt laws 92%
Driving in passenger cars 92%
Drivers in urban areas 92%
Driving in weather conditions with clear visibility 92%
Driving during weekday rush hour 92%
Driving on weekdays 92%
Drivers in rural areas 91%
Driving during weekday nonrush hours 91%
Right-front passengers 91%
Driving in medium traffic 91%
In states with secondary seat belt laws or no enforcement laws 91%
Driving in moderate traffic 90%
Driving on surface streets 90%
Driving in slow traffic 89%
Drivers in the South 88%
Driving in pickup trucks 87%
Driving in light traffic 85%

All in all, the type of person most likely to wear a seat belt is a driver in the West who’s driving in fast traffic on expressways in a van or SUV. On the other end, a person driving in light traffic in a pickup truck on surface streets in the South is least likely to buckle up.

How Are Seat Belts Tested?

Scientists test seat belts by measuring their effectiveness at absorbing the kinetic energy around a crash test dummy’s torso, hips, and rib cage. The purpose of the seat belt is to redirect the kinetic energy away from the passenger.

By crashing cars into walls head-on, scientists can see how seat belts perform in real crashes. With a car going from 31 to 0 mph, scientists measure how much the dummy was displaced to determine if the seat belt succeeded or not.10

Why Aren’t There Seat Belts on Buses?

Depending on your state and locality, you may not have had seat belts on your school bus. If seat belts are so effective at preventing traffic fatalities and injuries, why aren’t they protecting children on school buses across the U.S.?

First, it’s important to understand that school buses are safer than regular passenger vehicles; in fact, according to the NHTSA, they’re the safest way to get to school in the U.S. While 40 percent of school-related traffic fatalities of school-age children from 2013 to 2022 involved passenger-vehicle occupants, only 18 percent involved children in school transportation vehicles.11

Mode of transportation Number of fatalities, 2013-2022 Percentage of total school-transportation-related fatalities of school-age children in the U.S. in 2013-2022 (high to low)
Occupants of other vehicles 80 40%
Pedestrians 76 38%
Occupants of school-transportation vehicles 35 18%
Pedal cyclists 5 3%
Other nonoccupants 2 1%

School buses are so safe largely because have more federal standards than any other vehicle type, including these criteria:

  • Compartmentalization (closely spaced seats with energy-absorbing backs)12
  • Elevated passenger deck
  • Flashing overhead lights
  • Greater weight
  • Low speed
  • Stop arm
  • Well-trained drivers
  • Standout color (usually yellow)

That being said, the NHTSA acknowledges that seat belts on school buses would better protect children. In fact, a federal mandate would save two lives a year (assuming the number of buses didn’t decrease).

However, installing seat belts on all school buses in the U.S. would increase their purchase and operating costs. Consequently, fewer buses would be available, leading students to take other, less safe modes of transportation to school. As a result, 10 to 19 children would die commuting to school, which is at least five times more than the lives seat belts would save. In other words, a federal mandate on seat belts in school buses is a net negative under current school transportation budgets.

That being said, some states already require school buses to have seat belts:

  • California
  • Florida
  • Iowa (required on new Iowa school buses)
  • Nevada
  • New Jersey
  • New York

Additionally, local jurisdictions in Arkansas, Louisiana, and Texas have the power to approve or deny the use of seat belts.13

The Most Vulnerable Groups

Road Users

Sixty percent of people who died in motor vehicle crashes in 2022 were in cars, pickups, or SUVs. Only 18 percent were pedestrians, 15 percent rode motorcycles, and the rest, at 2 and 3 percent, were in large trucks or on bicycles, respectively.14

Category Number of crash fatalities Percentage of crash fatalities
Car occupants 13,820 33%
Pickup and SUV occupants 11,504 27%
Large truck occupants 823 2%
Motorcyclists 6,222 15%
Pedestrians 7,522 18%
Cyclists 1,084 3%
Other/unknown 1,539 2%
Total 42,514 100%

Rural vs. Urban

Fifty-nine percent of these motor vehicle crash deaths occurred in urban areas, while 41 percent occurred in rural areas.

Area Percentage of crash deaths
Urban 59%
Rural 41%

Teens

Teen drivers are a vulnerable driving group due to their lack of experience. In 2022, 2,883 teens aged 13 to 19 died in car crashes; the large majority (about two-thirds) were male, while the rest were female. In fact, unintentional injuries from accidents, which includes car accidents, were the leading cause of death for teens 15 to 19 the same year.15

When you combine teen driving with speeding, death rates rise. From 2015 to 2019, 43 percent of teen-driving fatalities involved speeding, according to the Governors Highway Safety Administration.16

State Teen driver speeding-related fatalities 2015-2019, high to low
Hawaii 83%
District of Columbia 80%
New Hampshire 77%
Maine 71%
Pennsylvania 68%
Rhode Island 67%
New York 63%
Missouri 61%
Illinois 59%
New Mexico 58%
Colorado 57%
Oregon 57%
South Carolina 57%
Vermont 56%
Wyoming 55%
Connecticut 54%
Massachusetts 54%
Kansas 53%
Arizona 51%
Nevada 51%
Alaska 50%
Delaware 50%
Maryland 50%
New Jersey 50%
North Carolina 49%
Virginia 49%
West Virginia 47%
California 46%
South Dakota 46%
Wisconsin 46%
Michigan 44%
Montana 44%
Texas 44%
Washington 44%
Indiana 40%
Alabama 39%
Oklahoma 39%
North Dakota 38%
Minnesota 36%
Ohio 36%
Arkansas 34%
Utah 34%
Kentucky 33%
Louisiana 32%
Georgia 28%
Iowa 28%
Tennessee 27%
Idaho 26%
Nebraska 23%
Florida 21%
Mississippi 20%

Rates were highest in Hawaii, where 83 percent of teen fatalities involved speeding, an amount nearly double the national average.

Seniors

Contrary to stereotypes, senior drivers are safer on the road than most other groups. According to 2022 NHTSA data, those 55 and older have lower rates of fatal car accidents than all other age groups.17

There is a direct correlation between age and involvement in traffic crashes. The older you are, the less likely you are to be involved in a crash, with the highest crash rates among those ages 15 to 20.

Commercial Drivers

According to the U.S. Bureau of Labor Statistics, car crashes are the leading cause of work-related deaths in the U.S.18 From 2011 to 2022, more than 21,000 workers in the U.S. died in motor vehicle crashes. In 2022, car accidents were the first or second leading cause of death in every major industry group.

The Impact of Crashes on Car Insurance

Aside from causing property damage, injuries, and deaths, car crashes also result in an increase in the cost of car insurance. The cost of car insurance after accidents will depend on the provider, but we found that the average increase is 42 percent.

Company Avg. annual full coverage premium before an accident Avg. annual full coverage premium after an at-fault accident Avg. percentage increase
AAA $2,562 $3,717 45%
Allstate $2,571 $3,686 43%
American Family $1,716 $2,176 27%
Auto-Owners $1,576 $2,538 61%
Erie $1,436 $1,823 27%
Farmers $2,388 $3,581 50%
GEICO $1,405 $2,269 61%
Nationwide $1,603 $2,418 51%
Progressive $1,777 $2,738 54%
State Farm $1,760 $2,172 23%
Travelers $1,464 $2,013 38%
USAA $1,274 $1,835 44%

Even if the crash wasn’t your fault, your insurance costs could still rise, depending on your provider. However, the increase will be even higher if you caused the car accident.

Conclusion

Although these crash rates may seem scary, many accidents are preventable if you drive sober, focused, and under the speed limit. Of course, you can’t control what other drivers do, but making sure you’re driving as safely as possible, practicing defensive driving, and always wearing a seat belt will help you stay safe on the road. Overall trends are positive — more people are wearing seat belts year over year, and fewer people are being killed in motor vehicle accidents on average.

To learn more, read our car insurance research on the dangers of distracted driving, auto theft, and hit-and-runs. While some incidents aren’t preventable, seat belts are one easy way to greatly increase your overall safety while driving.

Methodology

We used third-party data to compile this report. The third parties included:

  • Bureau of Transportation Statistics
  • GWR
  • Insurance Institute for Highway Safety
  • National Highway Traffic Safety Administration
  • National Safety Council
  • Vermont Department of Motor Vehicles
  • U.S. Bureau of Labor Statistics
Aliza Vigderman
Written by:Aliza Vigderman
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Aliza Vigderman has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. Previously, she was a senior editor and industry analyst at the home and digital security website Security.org, previously called Security Baron. She has also contributed to The Huffington Post, SquareFoot, and Degreed. Aliza studied journalism at Brandeis University.

Citations

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  2. Crashes and All Victims. National Highway Traffic Safety Administration. (2024).
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  3. Vehicles Involved in Fatal Crashes by Vehicle Type. National Highway Traffic Safety Administration. (2024).
    https://www-fars.nhtsa.dot.gov/vehicles/vehiclesallvehicles.aspx

  4. Overview of Motor Vehicle Traffic Crashes
    in 2022
    . National Highway Traffic Safety Administration. (2024, June).
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  5. Fatality and Injury Reporting System Tool. National Highway Traffic Safety Administration. (2024).
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  6. Motor Vehicle Safety Issues: Speeding. National Safety Council Injury Facts. (2024).
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  7. Occupant protection
    . National Safety Council Injury Facts. (2024).
    https://injuryfacts.nsc.org/motor-vehicle/occupant-protection/seat-belts/

  8. Seat belts. Insurance Institute for Highway Safety and Highway Loss Data Institute. (2024).
    https://www.iihs.org/topics/seat-belts#laws

  9. Seat Belt Use in 2023 – Overall Results. National Highway Traffic Safety Administration. (2024, Feb).
    https://crashstats.nhtsa.dot.gov/Api/Public/Publication/813543

  10. Crash Testing. GWR. (2024).
    https://gwrco.com/latest_news/seat-belt-crash-testing-can-still-learn-lot-dummy/m

  11. School-Transportation-Related Traffic Crashes. National Highway Traffic Safety Administration. (2024, Feb).
    https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813600.pdf

  12. Why do school buses not require seat belts? Vermont Department of Motor Vehicles. (2023, Nov 9).
    https://dmv.vermont.gov/faq/why-do-school-buses-not-require-seat-belts

  13. School Bus Safety. NCSL. (2024, Mar 7).
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  14. Fatality Facts 2020 Stat by State. Insurance Institute for Highway Safety and Highway Loss Data Institute. (2024, Aug).
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  15. Adolescent Health. CDC. (2024).
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  16. Teens and Speeding. GHSA. (2024).
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  17. Young Drivers. National Highway Traffic Safety Administration. (2024, July).
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  18. Census of Fatal Occupational Injuries. U.S. Bureau of Labor Statistics. (2024).
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