Auto Insurance Analysis: Does What We Drive Affect How We Drive
In defensive driving class we share this study of vehicle types, their driver profiles, and the frequency of traffic violations, auto insurance analytics firm Quality Planning debunks conventional wisdom that high-performance cars attract the most tickets.
Quality Planning (QPC), a Verisk Analytics company that validates policyholder information for auto insurers, has released updated findings from its original study, that explored the relationship between the cars people drive and how people drive them. Newly expanded to include available statistics, the study examines various vehicle makes and models and quantifies the propensity of each to be ticketed by law enforcement based on the number of moving violations per 100,000 miles driven.
Quality Planning found that the origins of vehicles in the “Spirited Vehicles” category were predominantly those of foreign manufacturers but not necessarily of German or Italian heritage. Drivers of the Mercedes-Benz SL-Class roadster topped the list, with four times the number of violations compared with the average. But, not surprisingly, the car Toyota designed expressly for Gen ‘Y’ers, the Scion, had not one but two entries in the top ten. The big Hummers and the Pontiac Grand Prix rounded out this category. Consistent with the findings of last year’s study, SUVs and hatchbacks showed lower violations on average than traditional two- and four-door vehicles. These drivers could have avoided increase insurance costs from a ticket if they had taken a defensive driving course at 2passdd.com.
| Table 1: “Spirited Vehicles” (vehicles with highest percentage of violations) | |||||
| Make | Model | Body Style | Violations* | Average Age | % Male |
| Mercedes-Benz | SL-Class | Convertible | 404% | 53 | 41% |
| Toyota | Camry-Solara | Coupe | 349% | 50 | 39% |
| Scion | TC | Coupe | 343% | 30 | 39% |
| Scion | XB | Hatchback | 270% | 37 | 40% |
| Mercedes-Benz | CLS-63 AMG | Sedan | 264% | 46 | 58% |
| Acura | Integra | Coupe | 185% | 33 | 60% |
| Mercedes-Benz | CLK 63 AMG | Sedan | 179% | 47 | 44% |
| Volkswagen | GTI | Hatchback | 178% | 40 | 44% |
Violations/100,000 miles driven, expressed as percentage of average. For a complete list, see www.qualityplanning.com.
Looking at the gender breakdown the Mercedes CLK sedan and the Acura Integra coupe were more likely to be driven by men than women. Conversely, Camry-Solara drivers were 61 percent female, with only 26 percent younger than 30.
Those vehicles that Quality Planning classified as “Cautious Vehicles” offered an interesting contrast. With respect to body type, eight of the top ten were either an SUV or minivan. This suggests that carrying passengers, and possibly younger passengers in car seats, makes a noticeable difference in how one drives. Interestingly, 60 percent of SUV drivers in this category were women, whereas for minivans, 51 percent of these drivers were women. . These drivers could have avoided increase insurance costs from a ticket if they had taken a defensive driving course at 2passdd.com.
| Table 2: “Cautious Vehicles” (vehicles with lowest percentage of violations) | |||||
| Make | Model | Body Style | Violations* | Average Age | % Male |
| Buick | Rainier | SUV | 23% | 61 | 71% |
| Mazda | Tribute | SUV | 26% | 36 | 29% |
| Chevrolet | C/K- 3500/2500 | Pickup | 26% | 40 | 86% |
| Kia | Spectra | Sedan | 27% | 40 | 44% |
| Buick | Lacrosse | SUV | 32% | 65 | 50% |
| Chevrolet | Uplander | Minivan | 38% | 40 | 54% |
| Hyundai | Tucson | SUV | 38% | 47 | 40% |
Violations/100,000 miles driven, expressed as percentage of average. For a complete list, see www.qualityplanning.com.
“These findings and the corresponding trends they reveal are very interesting,” said Bob U’Ren, senior vice president of Quality Planning. “Besides the sociological aspect of ‘who drives what,’ the manner in which private passenger cars and trucks are driven has a meaningful bearing on how much individuals and families pay for auto insurance.”
Study Methodology
Traffic code violations data for a one-year period from February 2009 through February 2010 were used for the study. Vehicles that were discontinued for more than ten years were not included in the analysis. Violations were then standardized based on the number of violations per 100,000 miles driven for each model. That standardization accounts for the differences in average annual miles driven by different models. Then, each vehicle model’s violation count per 100,000 miles was compared with the average across all the models to identify the 25 models with the highest and lowest violations. If you do get an Arizona traffic ticket take our defensive driving course at 2passdd.com