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Thomas Barwick/Getty Images September 13, 2022 Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. The 2022 NFL season kicked off on September 8. Football season draws crowds to high school, college and pro football stadiums alike. As fans gather to tailgate, spectate and, often, to binge drink, extra traffic and rowdy devotees may prove hazardous to drivers and other attendees. Overall accidents may go up on game days, but fatal accidents are less likely to occur in the slow-moving traffic surrounding a stadium, according to . With the start of football season, it’s important to be both a good fan and a good driver. Overindulging on game days could negatively impact your driving history — and ultimately increase your car insurance rates. Whether you’ve recently been involved in an accident or are just looking for a better deal, you may want to from multiple providers to ensure you’re still getting the best deal for you. Game day statistics
Game days can be fun for everyone from children to seniors. It’s important to be aware of your safety on game days, since large crowds, alcohol and increased traffic can pose risks to your wellbeing, finances, personal property and driving record. Drunk driving statistics
Info One alcohol-related death occurs every 45 minutes in the United States. () crashes resulted in 11,654 fatalities in 2020. (NHTSA) Drinking and driving costs the U.S. more than $44 billion in damages annually. () At the end of 2020, one in four drivers that were killed or seriously injured in a crash had alcohol in their bloodstream. () A first-offense DUI can cost more than $10,000 due to fines and legal fees. (NHTSA) Traffic accident statistics
Info The following factors correlate with more and deadlier car accidents: weather, speed of traffic, driver fatigue, time of day, distractions and alcohol. () Overall accidents may go up on game days, but fatal accidents are less likely to occur in the slow-moving traffic that typically occurs on game days. (Bloomberg) Automobile accidents increase by 41% after the Super Bowl. () 35,766 fatal motor vehicle accidents occurred in 2020. () 43% of car crash fatalities occurred in rural areas in 2020. (IIHS) Car vandalism and property crime statistics
Info On game days, some fans resort to , such as flipping cars or burning couches. Last year, a Michigan State fan caught fire while sitting on a burning couch. () Riots have broken out in cities such as Philadelphia, Detroit, Boston, Chicago, Denver and Cleveland following sports wins and losses. () Approximately 6.9 million property crime offenses took place in 2019. () Property crime losses totaled $15.8 billion in 2019. (FBI) Motor vehicle theft was the crime most likely to be reported at nearly 80%, and least likely to be solved at 13.8%. () Risk factors by age group
Your safety on game day is influenced by your individual choices. However, it’s important to be aware that a person’s risk factors on game day may vary by their age group. Teenage drivers
Info Consequences for underaged drinking can include suspension from school and athletic teams. () Fatal traffic accidents are the second leading cause of death in drivers aged 15 to 20. () account for only 5.1% of licensed drivers, but 8.5% of drivers involved in fatal crashes. (Triple-I) Drivers between 16 and 20 are 17 times more likely to die in a crash with a blood alcohol concentration of .08% than when they have not been drinking. () 10% of high schoolers drink and drive. (CDC) College students
Info An average of 139.4 police incidents occurred on college game days. () The most common game day offenses on most campuses are alcohol-related or “disorderly” violations. (Sports Illustrated) Binge drinking is a common phenomenon on college game days. The number one reason for arrests and citations at the University of Wisconsin football stadium was for underage alcohol consumption. () Alabama had 448 game day incidents, the highest number of any school. (Sports Illustrated) N.C. State had the highest rate of incidents on game days. (Sports Illustrated) Young adults
Info NFL stadiums home to the Washington Commanders, New England Patriots, Buffalo Bills, Dallas Cowboys and Jacksonville Jaguar are home to the worst traffic congestion. () Frustrated fans are prone to become more aggressive. () More than 1.2 million fans attended 119 NFL games of 22 teams in 2020. (Sports Illustrated) Young adults aged 21 to 24 are more likely than any other age group to be alcohol-impaired drivers involved in fatal crashes. () The highest number of alcohol-related fatalities occur in Texas, California and Florida. The lowest number of alcohol-related fatalities occur in Rhode Island, Vermont and North Dakota. (Bankrate) Game day safety
Info Make sure you have a safe ride to and from the game. Game day drunk driving can put yourself and others at risk. If you’ll be drinking on game day, ensure you have a designated driver or reliable transportation home. Be careful not to rely on rideshare services or taxis, as you may be competing with tens of thousands of fans to find one following the game. Keep your distance from rowdy fans. Many fans engage in binge drinking on game day, which may contribute to unruly behavior. Make sure to keep your belongings close to you and avoid provoking opposing fans to mitigate the risk of an incident. Keep your alcohol intake in check. The CDC defines as four drinks for women and five for men on a given occasion. Binge drinking is associated with serious injuries and harmful behavior, so if you are drinking on game day, you may want to consider limiting your intake. If you’re drinking in the sunlight, be sure to hydrate and don’t forget to eat. Make sure perishable foods are safe to eat. Tailgating spreads may be left out for hours at a time. Make sure hot foods are kept at 140 degrees or warmer and cold foods are kept at 40 degrees or cooler. Discard any perishable foods that have been left out for more than 2 hours. Make sure you have adequate car insurance coverage. The traffic heading to and from the game may increase the risk of getting into a collision. Prior to the game, you may want to make sure you have enough car insurance coverage to protect yourself financially in the event of an incident. Resources for filing a claim
If your car or any of your property was damaged during game day, here’s how to proceed. Young drivers may be especially unsure of how to file a claim and handle an accident in the event of a collision. Make sure everyone is safe. If anyone is injured, call for medical help immediately. Exchange contact information with the other driver. You will likely need their name and insurance information to handle insurance claims. Call the police. The police will be able to write an official report of the accident. Write a written account of the accident and take photos. The account and photos will be helpful for your adjuster when you file a claim. File a claim. To file a claim, most car insurance companies ask for the names, contact information and insurance information for those involved in an accident. They typically request a copy of the accident report, the names and badge numbers of police officers at the scene, the location and time of the accident and any photos taken. If you need car insurance or are looking for a better deal, you may want to seek quotes from the on the market. The average cost of car insurance for college students is broken down below. Average annual full coverage car insurance rates for college students
INSURANCE COMPANY BANKRATE SCORE AVERAGE FULL COVERAGE PREMIUM WITH A STUDENT DISCOUNT ON THEIR PARENTS’ POLICY AVERAGE FULL COVERAGE PREMIUM WITHOUT A STUDENT DISCOUNT ON THEIR OWN POLICY 4.7 $2,470 $3,812 4.7 $2,409 $3,877 4.4 $2,991 $6,600 4 $3,889 $6,538 3.8 $2,584 $6,048 Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Teens: Rates indicated as being on parents’ policy were determined by adding 18-year-old teen to a 40-year-old married couple’s policy. The rates displayed reflect the added cost to the parents’ policy. SHARE: Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Related Articles