Strictest And Most Lenient States on High Risk Drivers

Alina Comoreanu
Aug 24, 2016
wallethub.com

high_risk_driversThe average American spends more than 18 hours in an automobile each week, which equates to over 17 percent of his or her waking hours, according to data from Nielsen and the Bureau of Labor Statistics. That alone spells risk not only because the odds of an accident increase with the number of miles we drive, but also because the more time-crunched we are, the more likely we are to attempt multitasking or otherwise drive recklessly.

In addition to endangering fellow motorists, bad behavior on the road can have costly consequences for your wallet. So in the interest of encouraging health, happiness and WalletFitness, WalletHub independently assessed how tough states are on DUI, speeding and reckless driving as well as the corresponding insurance cost increases that high-risk drivers can expect. This information enabled us to formulate a hierarchy of state strictness, which you can find below, followed by expert commentary and a detailed methodology.

Main Findings

Source: WalletHub
Overall Rank
(1=Strictest)
State Total Score DUI Criminal Penalties
Rank
DUI Prevention
Rank
Speeding Enforcement
Rank
Reckless Driving Penalties
Rank
Average Increase in Cost of Insurance
Rank
(% increase)
5 Delaware 47.75 13 14 23 1 37
(51.68%)
10 Colorado 46.75 21 7 10 2 40
(49.47%)
19 Massachusetts 40.50 12 43 32 2 24
(58.57%)
18 Arkansas 41.00 48 1 43 4 13
(65.32%)
20 California 40.00 23 40 32 5 4
(87.00%)
4 West Virginia 48.50 8 12 32 6 6
(71.52%)
8 Oklahoma 47.25 4 22 47 6 30
(56.14%)
5 Virginia 47.75 13 14 14 8 8
(68.58%)
7 Illinois 47.50 30 4 6 8 2
(91.30%)
8 Oregon 47.25 17 22 6 8 15
(64.27%)
1 Arizona 65.25 1 2 2 11 44
(48.78%)
10 Kansas 46.75 6 22 27 11 36
(52.54%)
16 New Mexico 42.25 34 22 4 11 9
(68.52%)
20 Alabama 40.00 34 6 15 11 28
(57.17%)
32 Wyoming 34.50 39 17 27 15 25
(57.90%)
23 North Carolina 38.50 27 36 19 16 5
(75.71%)
29 New Hampshire 35.25 34 11 48 16 10
(67.79%)
38 Vermont 31.50 30 46 23 16 14
(65.25%)
39 Idaho 31.25 27 44 43 16 22
(60.36%)
43 District of Columbia 27.75 30 50 10 16 42
(49.02%)
2 Alaska 51.75 3 16 23 21 3
(89.35%)
14 Washington 44.75 18 7 6 21 20
(61.17%)
35 Maine 32.00 48 17 23 21 26
(57.86%)
47 Michigan 25.00 39 40 48 21 51
(29.58%)
13 Iowa 46.00 10 33 1 25 11
(66.81%)
31 Nevada 34.75 21 22 38 25 31
(55.32%)
48 North Dakota 24.25 39 49 38 25 43
(49.02%)
3 Georgia 50.75 2 22 32 28 18
(62.18%)
12 Connecticut 46.50 8 10 32 28 1
(99.30%)
22 Utah 39.75 10 5 50 28 47
(47.24%)
25 Hawaii 37.00 34 12 17 28 16
(63.76%)
30 Indiana 35.00 30 38 10 28 19
(62.00%)
33 Maryland 33.50 51 17 6 28 7
(70.26%)
39 Minnesota 31.25 27 30 32 28 48
(44.17%)
42 Rhode Island 29.00 24 42 38 28 32
(54.71%)
44 Montana 26.75 19 47 43 36 50
(40.47%)
15 Nebraska 42.50 5 17 38 37 29
(56.92%)
24 Florida 37.25 24 2 27 37 45
(48.41%)
46 New Jersey 25.75 45 39 43 37 41
(49.30%)
17 Louisiana 42.00 13 17 10 40 21
(61.15%)
26 Missouri 36.75 39 7 2 41 38
(51.50%)
28 Tennessee 36.00 13 36 15 41 33
(53.88%)
34 New York 33.25 24 34 5 41 49
(43.91%)
51 South Dakota 17.75 39 51 38 41 35
(53.06%)
26 Texas 36.75 7 30 50 45 17
(63.32%)
36 South Carolina 31.75 19 34 19 45 46
(48.30%)
36 Kentucky 31.75 39 22 19 45 23
(60.30%)
41 Wisconsin 30.50 46 29 17 45 12
(66.46%)
45 Mississippi 26.25 48 30 27 45 34
(53.44%)
48 Ohio 24.25 34 47 19 45 27
(57.24%)
50 Pennsylvania 22.50 46 45 27 45 39
(49.70%)

Methodology

To measure the strictness of states’ laws for high-risk drivers, WalletHub independently assessed how tough states are on DUI, speeding and reckless driving as well as the insurance costs for different types of high-risk drivers. To get an overall impression of each state’s treatment of risky drivers, we combined the results of these three reports to obtain a final ranking for each state, according to the following rubric. The highest scores correlate to the strictest states.

  1. DUI Criminal Penalties
    States could score up to 35 points if they met the correct criteria
  2. DUI Prevention
    States could score up to 20 points if they met the correct criteria
  3. Speeding Enforcement
    States could score up to 14 points if they met the correct criteria
  4. Reckless Driving Penalties
    States could score up to 16 points if they met the correct criteria
  5. Average Increase in Cost of Insurance
    Because “Average Increase in Cost of Insurance” was included in the methodologies of the DUI and speeding & reckless driving, we’ve only accounted for the average premium increase for the following scenarios: Reckless driving conviction, 2 accidents in the last 2 years and Driving with a suspended license
    Above 75% (6 points)
    60% – 74.99% (4 points)
    45% – 59.99% (2 points)
    30% – 44.99% (1 point)
    Below 30% (0 points)

Total points = 91

 

Leave a Reply

Your email address will not be published. Required fields are marked *