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Why are car insurance rate so high here?

On Behalf of | Apr 12, 2022 | Insurance Law |

For those new to the area, when they called to transfer their auto insurance, the rate was probably higher than where they moved. Why? Because Nevada has some of the most dangerous drivers in the United States.

The study

The organization, Car Insurance Comparison, ranked all 50 states to see which states had the worse drivers. Their researchers analyzed data to figure out each state’s death rate per 100 million miles driven.

Then, they looked at rates of speeding and careless driving, including pedestrian death and cyclist death rates. They also looked at rates of drunk driving, including blood alcohol concentrations of 0.08% or above and a BAC between 0.01% and 0.07%. Finally, they looked at rates of failure to obey, including invalid licensed drivers, traffic safety device requirements and safety restraints not used.

The researchers gathered this data from datasets maintained by the National Highway Traffic Safety Association, including Fatality Analysis Reporting System and CrashStats. They then scored, compared and ranked each state based on these categories.

Where does Nevada rank?

For Las Vegas drivers, it likely does not come as a surprise that we ranked 10th because, as a group, we speed more than any other state’s drivers, in addition to having some of the most careless drivers in the United States. Indeed, nearly a third of all fatal car accidents involved at least one driver that was speeding. According to the researchers, Nevada has some of the laxest speeding laws in the country, which likely explains the numbers.

The takeaway

Unfortunately, for our Las Vegas, Nevada, readers, getting around our state’s higher rates is not entirely possible. However, we can endeavor to not be part of the problem, and thereby, have our rates decrease as proof of our own driver safety increases.

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