Source: Insurance Information Institute, 2025 (2023 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% 10.1% 8.2% 7.9% Another Reason to Drive Safely One study found that drivers who filed one at-fault insurance claim suffered increases in premiums averaging more than $1,300 per year. Source: U.S. News & World Report, January 21, 2026
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