Claim Probability Estimator

The average driver has about a 6-8% annual probability of filing an insurance claim. This varies significantly by risk factors: low-risk drivers (clean record, low mileage, rural area) may have 3-5% probability, while high-risk drivers (young, high mileage, urban, violations) may have 12-20% probability.

Claim probability increases with: high annual mileage (20,000+ miles = 40% higher risk), young driver age (under 25 = 80% higher), urban/high-traffic areas (30-50% higher), poor driving record (past accidents/violations = 30-60% higher), and aggressive driving habits. Location and mileage are the strongest predictors.

Past accidents are strong predictors of future claims. Drivers with 1 previous accident have 30% higher claim probability. Those with 2+ accidents have 60% higher probability. Traffic violations also increase risk by 50%. Clean driving records significantly reduce claim probability.

Yes, reduce claim probability by: maintaining a clean driving record, driving fewer miles, avoiding high-risk areas when possible, taking defensive driving courses (reduces risk 5-10%), maintaining your vehicle properly, and driving during low-traffic times. However, some factors (age, location) are fixed.