• Wed. Nov 16th, 2022

Driving insurance rates have increased nearly 10,000% this decade


According to Zebra. From 2011 to 2018, the average annual adjustment to insurance premiums for a distracted driving conviction in the United States rose from just under $ 3 to $ 290, an increase of 9,750%.

Zebra’s 2019 Distracted Driving Report Relyed on 61 Million Insurance Rates from the Research Company State of Auto Insurance Report 2019. The study compared the rate in each U.S. zip code for a single 30-year-old male with a 2014 Honda Accord EX.

The premium penalty for distracted driving has increased dramatically over the past three years, in part because insurance companies have had to justify the increase in rates to regulators. By 2016, companies had accumulated enough data on the insurance risk of convicted drivers behind the wheel to convince regulators that the rate increases were justified and fair.

If a monthly increase of $ 24.16 ($ 290 divided by 12 months) on a convicted distracted driver seems small, remember that is the national average. Depending on the state and city of the driver’s residence, the premium penalty may be lower than average or much, much higher.

The state’s average annual fine for distracted driving at the end of 2018 ranged from $ 87 to $ 762. For people who live in certain cities, The Zebra reported that the penalty is almost $ 1,700.

The five states with the highest insurance premium penalties for distracted driving are Michigan ($ 762), Vermont ($ 600), California ($ 510), Montana ($ 454), and Connecticut ( $ 463).

The five states with the lowest insurance penalties for distracted driving are Wyoming ($ 87), New York ($ 93), Hawaii ($ 94), Idaho ($ 138), and Maryland (167 $).

If you think insurance companies are overstating the case for the danger of distracted driving, consider The Zebra’s comparison of driving under the influence (DUI). Every day, on average, nine people die from car accidents caused by distracted driving. There are 29 deaths from DUIs per day. The national average insurance penalty for a driver with a DUI conviction is $ 1,086, compared to $ 290 for distracted driving.

So, DUI is responsible for more fatalities, and the insurance penalty is higher than that for distracted driving, but consider the match for comparison. When a report uses drunk driving to illustrate more dangerous behavior than distracted driving, the point is clear.

ZenDrive’s 2018 report on “personal risk drivers” found that despite tighter enforcement and increased fines for distracted driving, phone junkies were the most likely to have crashes. Hostile drivers and high-speed drivers were the second and third most crash-prone drivers, respectively, but distracted drivers topped the list.

Updated April 29, 2019 to correct the 2011 average fare penalty for distractions from $ 2 to just under $ 3.

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