Car accident statistics

04/15/23 Free auto insurance quotes

Millions of Accidents

7,67,0

7,5

9,68,6

7,4

9,9

8,6

12,1

8,4

12,4

10,611,4

14,3

12,7

10,6

15,2

12,7

18,6

11,6

6

8

10

12

14

16

18

20

94 95 96 97 98 99 00 01 02 03

Mil

lion

s of

Acc

iden

ts

Female Male

Gender of Drivers Involved in All Auto Crashes, 1994-2003

Source: National Safety Council; Insurance Information Institute 2005 Fact Book, p. 109.

Males are involved in 50% more accidents

on average

Fatalities per Billion Miles Driven

17

15

17 1716

12

1614

13 13

2524

27 27

25

18

27

24

22 22

5

10

15

20

25

30

94 95 96 97 98 99 00 01 02 03

Fat

alit

ies

per

Bil

lion

Mil

es D

rive

n Female Male

Fatality Rate by Sex of Drivers Involved in Auto Crashes, 1994-2003

Source: National Safety Council; Insurance Information Institute 2005 Fact Book, p. 109.

Males are involved in 61% more likely to be killed in an auto

accident

4,8%

8,4%

17,3

% 20,8

%

20,7

%

13,3

%

8,2%

6,5%

22,1

%

18,3

%

17,8

%

15,8

%

12,5

%

7,0%

3,6%

2,9%

0%

5%

10%

15%

20%

25%

Under20

20-24 25-34 35-44 45-54 55-64 65-74 75+

Percent of Total Drivers Share of Accidents

Accidents by Age of Driver, 2003

Source: National Safety Council; Insurance Information Institute

Teens account for just 5% of drivers but

22% of accidents! But people 35-44 represent 21% of

drivers but just 16% of accidents

Teens are by far the most likely to be involved in accident than the elderly (but elderly more

likely to die in crash)

Average Loss = $695

$668

$918

$846

$791

$707 $703$681

$631

$584$568 $558

$500

$600

$700

$800

$900

$1.000

NoScore

1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th

Score Range

Avg

. In

curr

ed L

oss

per

Pol

icy

Texas Auto: Average Loss per Policy (by Credit Score Decile, Total Market)

Interpretation:Those with poorest credit scores

generated incurred losses 65% higher those with the best scores

Source: University of Texas, Bureau of Business Research, March 2003.

1st Decile = Lowest Credit Scores10th Decile = Highest Credit Scores.

9%

33%

18%

10%

3%0%

-7%-11%

-14% -15%-19%

-0,3

-0,2

-0,1

0,0

0,1

0,2

0,3

0,4

NoHit/Thin

File

607 659 693 722 748 774 802 837 894 997

Score Range

Rel

ativ

e P

ure

Pre

miu

mIndicated Relative Pure Premium by

Insurance Score (PD Liability)*Interpretation:

Those with poorest credit scores had loss experience 33% above average while

those with the best scores had loss experience that was 19% below average

Source: EPIC Actuaries, June 2003

Teen Drivers Crash Statistics

• 2006 – Over 43,000 Killed In Crashes Nationwide

• 2006 – Over 770 Killed In Crashes In NJ• 2006 – Over 300,000 Crashes Reported In NJ