The American Reporter
Thursday, February 2, 2023
  • World
  • National
  • Science
  • Business
  • Health
  • Education
  • Lifestyle
  • Entertainment
  • Sports
  • Technology
No Result
View All Result
  • World
  • National
  • Science
  • Business
  • Health
  • Education
  • Lifestyle
  • Entertainment
  • Sports
  • Technology
No Result
View All Result
The American Reporter
No Result
View All Result

The Worst States For Driving May Actually Be The Best, According to a New Study

mm by Jennifer Ross
August 16, 2022
in National
7 min read
Home National

Bad drivers: we’ve all had to deal with them at one time or another. Many people feel like their cities often have “the worst drivers,” even when statistics say otherwise. The names of the worst states for driving are probably not that surprising: California, Florida, Louisiana, and Michigan. So it stands to reason that these states have the worst drivers in America, right?

Not necessarily, as it turns out.

RELATED POSTS

HealthKeeperz on the Looming Elder Care Crisis in America and What We Can Do About It

U.S. Supports Tokayev’s Reforms for Transparent Accountable Governance

According to a recent study, the common stereotypes and jokes about bad drivers and certain states may not hold up to scrutiny. According to the study, over 83% of drivers in America actually have a clean driving record. Those who have violations typically get them from either speeding tickets or at-fault accidents.

Not only that, but many of the states with the worst reputations for driving actually have some of the best drivers in terms of their records.

A prime example is New Jersey, which often ranks in the top three “worst driving states” right behind California. This is even reflected in their car insurance rates, which, according to Ross Martin from The Zebra, are over $1450 a year — 4% above the national average. This statistic takes on new character when you find out over 86% of New Jersey’s drivers have a clean record.

This is also true of Michigan, which has the most drivers with clean records in the entire country, yet also frequently makes top ten lists of worst states to drive in — and Michigan’s auto insurance rates are some of the highest in the nation.

Another area where stereotypes and expectations meet reality is teen drivers. As any parent can tell you, teenage drivers almost uniformly have the highest insurance premiums around — simply put, they’re considered one of the highest-risk groups when it comes to auto insurance claims, a position which is often justified.

That said, though, some states fare much better when it comes to insurance for teen drivers than others. Of all the states, Hawaii has the lowest premiums for teen drivers, and Connecticut the highest. Utah, Wyoming, Montana, and the Dakotas have some of the highest teen DUI ratings in the country, as well as some of the highest instances of teen driver fatalities.

So what’s unusual about this? As it turns out, New York, New Jersey and Kentucky, some of the states with reputations for being “bad driving” states — with the insurance premiums to prove it — have records for the best teen drivers in the country.

In fact, this correlation exists for many of the states considered particularly hazardous: Connecticut, Louisiana, and Oregon all have superior records for teen drivers. New York in particular, tops the list of the best teen drivers in the country. And, sure enough, many of these states rank in the top 10 for the highest auto insurance rates in the country.

So what conclusions can we draw from this?

For one, when it comes to insurance, there’s an implication that age and driving records aren’t the primary determining factor when it comes to assessing risk. There are a number of other factors that come into play, including:

  • Age and gender
  • Location
  • Years of experience
  • History of claims and previous insurance coverage
  • Vehicle type and purpose (personal, commercial, etc.)
  • Miles driven
  • The presence of security or anti-theft devices for vehicles

This is before one accounts for factors like deductibles, types of coverage, and so on. When it comes to your driving record, you’ll generally land in one of three categories:

  • Preferred (a clean record for the last 3-5 years)
  • Standard (for those with an average driving record)
  • Nonstandard (for a history of tickets and poor driving)

When it comes to rates for teen drivers, there’s the aforementioned greater tendency toward risky or reckless driving behavior, whether driven by peer pressure or the impetuousness of youth. There’s also the factor of driving experience — a teenager has a ways to go before they have 3-5 years of any driving experience, much less a clean driving record for that long.

But what about traffic safety? America’s roads can be notoriously dangerous, and the common conception is that urban areas are more dangerous because of high traffic, population density, and other factors. But are traffic accidents more common there?

As it turns out, over half of the nation’s traffic fatalities occur in rural areas. Statistically speaking, you’re in greater danger of being in a fatal accident while driving in the country. Factors influencing this include frequent alcohol use, speeding, dangerous rural roads, and less frequent use of seat belts.

It’s unlikely that auto insurers are going to flip how they assess risk and assign premiums. Although it would stand to reason that insurers would set higher premiums for areas with high traffic fatality rates and lower premiums for teen (and adult) drivers with perfect driving records, it just goes to show our expectations do not always meet with reality.

ShareTweetShare
Previous Post

How to write an essay?

Next Post

EDA: rescue of business information systems

mm

Jennifer Ross

Jennifer has been a part of the journey ever since The American Reporter started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from health category.

Related Posts

HealthKeeperz on the Looming Elder Care Crisis in America and What We Can Do About It

HealthKeeperz on the Looming Elder Care Crisis in America and What We Can Do About It

by Jennifer Ross
January 28, 2023
0

The last of the baby boomers was born on Dec. 31, 1964, which means in two years, the youngest will...

U.S. Supports Tokayev’s Reforms for Transparent Accountable Governance

U.S. Supports Tokayev’s Reforms for Transparent Accountable Governance

by Richard Brown
January 25, 2023
0

The White House highlighted the strategic bilateral cooperation with Astana, following a successful meeting of the National Security Advisor, Jake...

After the midterm elections, the crisis in the United States really began

After the midterm elections, the crisis in the United States really began

by Kyle Matthews
January 4, 2023
0

The likelihood of a U.S. economy recession in 2023 climbed to 70 percent in December, up from 65 percent in...

USPA Shares Profits with Charities Following Art Basel Security Operation

USPA Shares Profits with Charities Following Art Basel Security Operation

by Kyle Matthews
December 19, 2022
0

As part of their commitment to donate $1 million annually to help rescue missing children and sexually trafficked teens, USPA...

More than half of Americans suffer from inflation

More than half of Americans suffer from inflation

by Kyle Matthews
December 7, 2022
0

On December 6 local time, a new survey released by Gallup, an American polling company, showed that 55% of American...

Next Post
EDA: rescue of business information systems

EDA: rescue of business information systems

How To Successfully Run A Business In A Different Country

How To Successfully Run A Business In A Different Country

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Latest News

Helping Businesses up their Digital Marketing Game for Almost a Decade

Helping Businesses up their Digital Marketing Game for Almost a Decade

February 2, 2023

The inventor of the exploding bike lock is coming after your financial advisor

February 2, 2023

Can MERRILL intelligent AI trading system lead the encryption market in 2023?

February 1, 2023

Neo-Bank Cashaa Revolutionizes the Fintech Space and Empowers the Crypto Industry

February 1, 2023

Empowering Your Team: How Davina Ware Can Help Your Corporation Be Successful Through Employee Development

January 31, 2023

Dame Munni Irone – Her mission to bring a global positive change

January 31, 2023

How many immigrants “American dream” has turned into a “border nightmare”?

January 31, 2023

Beautiful, Sustainable Design: A Touch of Magic with Interior Designer Aly Hammoud

January 31, 2023

Meliá Hotels International will hold a Global Strategy Conference

January 29, 2023

HealthKeeperz on the Looming Elder Care Crisis in America and What We Can Do About It

January 28, 2023

How Catherine Gibson Teaches Children to Embrace Their Uniqueness

January 28, 2023

Yomigt, the Leader of Global Industrial Layout

January 27, 2023
  • Home
  • About Us
  • Our Staff
  • Contact Us
  • Privacy Policy
  • Editorial Policy
  • Use of Cookies

© 2019 - The American Reporter

No Result
View All Result
  • Home
  • About Us
  • Our Staff
  • Contact Us
  • Privacy Policy
  • Editorial Policy
  • Use of Cookies

© 2019 - The American Reporter

Login to your account below

Forgotten Password?

Fill the forms bellow to register

All fields are required. Log In

Retrieve your password

Please enter your username or email address to reset your password.

Log In
This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.