New data reveals which vehicles are most frequently involved in crashes—and the results may surprise drivers and insurance buyers alike.
At a Glance
- Kia Soul EV leads U.S. crash rates with 15.14% of drivers reporting an accident
- Ford F-Series ranks #1 in fatal crashes with 10,845 deaths between 2014–2018
- Electric vehicles like the VW ID.4 and Chevy Bolt show disproportionately high accident rates
- Gen Z drivers and states like Massachusetts see the most crashes
- Vehicles with high accident rates carry higher insurance premiums
The Most Crash-Prone Cars on American Roads
According to a 2024 Insurify report, electric vehicles now dominate lists of accident-prone models. The Kia Soul EV ranks worst overall, followed by the Volkswagen ID.4, Mazda Mazdaspeed 3, and Chevrolet Bolt—all compact or performance EVs.
The Ford F-Series, America’s most popular vehicle, recorded 10,845 fatal crashes from 2014 to 2018. The Chevrolet Silverado followed closely, with 7,718 deaths, and is reportedly the most accident-prone vehicle in 30 states.
The deadliest passenger car? The Honda Accord, with 5,079 fatal crashes. Even models with stellar safety reputations aren’t immune: “Toyota takes pride that its midsized Camry sedan outsells archrival Honda’s Accord,” yet both rank high in deadly accidents.
Design, Demographics, and Dangerous Driving
Several trends explain why certain cars show up more often in crash data:
- Electric cars often feature instant torque and rapid acceleration that may surprise inexperienced drivers
- Larger vehicles like pickups and SUVs can cause more severe outcomes in collisions
- Poor visibility in some models contributes to accidents
Younger drivers play a role too. Gen Z drivers account for a disproportionate share of accidents nationwide. Location also matters—Massachusetts had the highest accident rate in 2024, while Michigan had the lowest.
Safety Features: Double-Edged Sword?
Advanced safety technology was designed to reduce accidents, but studies suggest it sometimes backfires:
- Drivers may over-rely on automation, reacting slower during emergencies
- Complex dashboards and infotainment systems can distract more than they help
- Sudden transitions between automated and manual modes increase crash risks
These paradoxes point to a troubling gap between technology’s potential and how drivers interact with it in real-world conditions.
Insurance Cost Fallout
If you’re driving a vehicle with a high accident rate, expect to pay more. Insurance premiums are heavily influenced by:
- Vehicle-specific crash and claim rates
- Driver age, location, and driving record
- Local laws and state-wide accident statistics
Consumers using comparison tools like OfficialCarInsurance.com can reduce monthly premiums—even for higher-risk vehicles.
Ultimately, while certain models are riskier on paper, behavior behind the wheel remains the biggest safety variable. For car shoppers, reviewing accident trends may help steer decisions beyond fuel economy and brand loyalty.
