Auto Insurance: the Past Can Predict the Present
Drivers who have had several accidents in the past are more likely to have another accident today, according to the most recent data published by Groupement des assureurs automobiles.
Claims frequency: a key predictor
In fact, the 2025 data shows that the more accidents a policyholder has had in previous years, the higher the likelihood of having one in the current year. In the group of policyholders who have had three at-fault accidents during the period from 2022-2024, 18.4% had another accident in 2025. However, in the policyholder group that had no accident during this period, only 9.9% had an accident in 2025.
The data shows that the more accidents a policyholder had from 2022-2024, the greater the claims frequency in 2025.
|
Number of at-fault accidents |
Number of insured vehicles |
Claims frequency in 2025 |
|
3 |
1,603 |
18.40% |
|
2 |
14,489 |
19.95% |
|
1 |
242,944 |
13.49% |
|
0 |
5,174,434 |
9.90% |
The premium reflects the risk
The data also confirms that those who had more accidents pay a higher premium to insure their vehicle.
|
Number of at-fault accidents |
Average premium in 2025 |
|
3 |
$2,235 |
|
2 |
$1,895 |
|
1 |
$1,487 |
|
0 |
$1,015 |
In 2025, drivers with three accidents between 2022 and 2024 paid $2,235 on average, for their insurance premium. The premium was $1,895 for those with two accidents, and $1,487 for one accident. On the flip side, drivers who had no accidents profited from the lowest premium, $1,015 on average.
Good driving habits: a solution to thwart these predictions
The data reveals a key insurance principle: the premium is calculated based on the risk each driver represents. If a policyholder is involved in a greater number of accidents, he will pay a higher premium than a driver who had no accident.
The data stresses the importance of adopting safe driving habits; by avoiding accidents, drivers help better control the cost of their auto insurance.
Consult GAA's statistics on auto insurance for details.
