The Leading Causes of Auto Claims
If you're feeling the pinch of higher auto insurance premiums, you're not alone: prices have gone up a staggering 48% in the last five years.
While many factors impact your personalized car insurance premium, everyone is affected when the number of claims is high, both on your own record and in the area in which you live. So why are people filing claims?
- Auto accidents are responsible for the largest number of claims (unsurprisingly), with around 4% of drivers filing one each year.
- Comprehensive claims, which include car thefts and damages from natural disasters, have an incidence rate between 3 -4%[1]
We set out to find the U.S. cities with the most frequent auto insurance claims based on the most exposure to common auto perils. To come up with this list, we looked at four data sets related to auto insurance claims:
So, where are you most likely to see higher insurance rates and potentially a greater incidence of claims? Here are the top 10 cities in the U.S.
10 Cities with the Fewest Auto Insurance Claims
Wondering what cities have the fewest number of auto insurance claims? Here are the top 10 based on our research.
- Raleigh, North Carolina
- Virginia Beach, Virginia
- Hartford, Connecticut and Salt Lake City, Utah (tied)
- Cincinnati, Ohio
- Charlotte, North Carolina and Milwaukee, Wisconsin (tied)
- Miami, Florida
- San Diego, California
- Oklahoma City, Oklahoma
Methodology
The Zebra used four data points to analyze the top 50 MSAs by population related to auto insurance claims.