Attorneys Top Insurance.com’s List of Most Accident-Prone Drivers

Insurance.com attributed the higher accident rates among certain professions to job demands that encourage multi-tasking, frequent phone use and tight schedules. These factors can lead to more distractions behind the wheel. Service jobs like bartending and waiting tables may also involve late hours and irregular shifts, increasing exposure to riskier driving conditions. High-pressure or fast-paced work environments may contribute to lapses in concentration or rushed driving habits.

Conversely, homemakers and athletes were less likely to be involved in accidents, possibly because they tend to drive outside peak rush hours and may take extra care when children are passengers. Homemakers, for example, are often accompanied by children, which can encourage more cautious driving. Athletes and homemakers may also have more flexibility in their schedules, allowing them to avoid congested roads and stressful commutes.

How Profession Affects Insurance Premiums

Drivers in professions with higher accident rates may face increased premiums if they are involved in a crash. The actual impact on insurance costs depends on factors such as accident severity, fault, claim value, violation type and whether the incident appears on a motor vehicle or insurance claims report. Insurers typically assess risk using a combination of personal driving history and broader statistical trends by occupation. While profession is only one factor, a history of accidents can lead to higher insurance rates, especially in jobs where claims are statistically more common.

Comparison of Accident Rates by Profession

Attorneys and judges were nearly three times as likely as athletes to report a prior accident when seeking insurance quotes. This significant difference underscores how occupation can correlate with driving risk, at least as measured by reported accident history in insurance quote data.