Auto Insurance & Inattentive Driving

According to a 2018 report by The Zebra (a nationwide insurance search engine and comparison website), the average auto insurance premium increased 16% for a distracted driving violation in 2017 (an average of $226). That number is up from just .2% in 2011. And, they found that while only ten states were increasing rates for distracted driving in 2011, all 50 states and the District of Columbia raised rates for distracted driving violation in 2017. Since insurers are required to set rates that are justified and backed up by data, this increase in distracted driving rates indicates that insurers now have enough proof that distracted driving is causing more accidents and more claims.

It is still unclear whether increased insurance premiums will deter drivers from driving distracted. However, insurers are hopeful given that drunk driving incidents have nationally decreased as premiums for drunk driving violations have increased.

Sources:

  • Insurance Journal; Pricing Insurance to Reflect Distracted Driving Risk; April 2018
  • The Zebra; The Zebra’s 2018 Distracted Driving Report