2025 State Rankings Reveal U.S. Traffic Incident Rates Impacting Auto Insurance Risk

A recent Lending Tree analysis assessed auto insurance data from early 2025 to rank U.S. states by traffic incident rates, including accidents, DUIs, speeding, and citations. North Dakota exhibited the highest overall traffic incident rate at 64 per 1,000 drivers, with the highest recorded DUI and speeding violations. In contrast, Michigan reported the lowest incident rate at 20.9, indicating it has the safest driving record nationally. New Jersey led with the highest accident rate per 1,000 drivers, while Michigan maintained the lowest accident frequency. DUI rates displayed regional variation, with California among the highest and Florida the lowest. Speeding violations were notably high in North Dakota and Utah but minimal in states like New Jersey and Massachusetts. These findings provide valuable insights for insurers and regulators focusing on risk assessment, underwriting, and regional traffic safety strategies. The data highlights state-specific variations in driver behavior and associated risk profiles, which impact auto insurance market dynamics and regulatory considerations.