We compared the difference in crash rates between males and females from these five
states to overall difference between genders in the United States. All states except Michigan have
higher difference than overall US over the course of twelve recent years.

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Figure 2: Comparison of Differences Between Young Males and Females Crash Rates in Five Stat Drivers have raised questions on discriminative quotes among males and females most
importantly because it is a non-driving related factor. However, we have significant evidence of
the difference between the two genders and conclude that it is fair to quote female drivers lower
than male drivers. Of course, other characteristics like bad driving history of a particular female
driver may put them into a risky category and have higher premium than any male driver.
Again there are other factors than fatal car crashes that are considered while quoting auto
insurance rates. Research has shown that married couples are less likely to get involved in a car
crash than a single driver. It is very likely that married couples have many other responsibilities
especially when they have kids. Repayment of house mortgage, school loans, car loans, etc. do
put them into a responsible position and it is directly correlated to better driving.
-0.005% 0.000% 0.005% 0.010% 0.015% 0.020% 0.025% 0.030% 0.035% 0.040% 0.045% 0.050% 1998 2000 2002 2004 2006 2008 2010 2012 Rates Year
Comparison of Differences Between Young Males and Females Crash Rates in these Five States vs. US.
Massachusetts Michigan Montana North Carolina Pennsylvania US Overall

Location of driving is another important factor. While fatal crashes mostly occur on
freeways in rural areas, driving in big cities is just as risky but he it may be more risky in a way
that you are more likely to get into a car crash generally but not necessarily a fatal crash. Many
injury crashes and property damage crashes occur in urban areas due to distracted driving and
high level traffic problems. Insurance companies take into the consideration where the car
resides and how far is it going to be driven in a day and relate that to traffic fatalities trend
around the location. Usually a class risk is assigned to the driver and based on that the monthly
premiums are calculated.
We evaluated each state’s fatal car crash rates and made an attempt to relate that to the
auto insurance premium. We found some evidence that states with highest fatal crash rates have
relatively higher premium rates. Perhaps determining fatal car crash rates in these states is
helpful in predicting premium rates. Mississippi and West Virginia has the highest crash rates of
almost 0.16 %. West Virginia have the highest fatal crash rates among the young drivers of 24 &
under years of age. Mississippi had 445 fatal car crashes in the year of 2011 while California had
the highest number of 1483 fatal car crashes. To normalize the car crashes we calculated number
of fatal car crashes divided by total number of car drivers in its respective age group.

Smaller states like Rhode Island have very volatile crash rates as there is not a big
population that lives there. So one or two crashes could have a big impact on the crash rates. This
effect could be misleading. Later in the section we analyzed crash rates between rural area and
urban area. States with high percentage of rural land and less of urban land have the highest fatal
crash rate. Reason being lot of traffic is concentrated to the urban area hence more crashes.
Following is the graph of each state’s fatal car crash rate in a descending order.

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