From 2022 to 2025, traffic fatalities dropped between approximately 9 percent to 15 percent, according to a recent American Property Casualty Insurance Association (APCIA) report.
The report, “A New Road Ahead for Auto Insurance: Safer Vehicles, Higher Claim Costs?,” explains how insurers are using statistical data to protect drivers and guide smarter policy.
“Insurers see risk trends before anyone else, and we use that insight to protect our customers,” Robert Passmore, APCIA department vice president for personal lines, said. “Greater transparency in litigation funding and medical billing would help keep auto insurance affordable for every driver.”
Other key findings include:
Alcohol- and speed-related deaths declined as did overall fatality rates per mile. Rates dropped approximately 15 percent to 20 percent from 2023 through 2025. Conversely, bodily injury claim severity has risen 47 percent since 2020, and crash survivors often need longer, more complex care. Injury claim costs are growing at 6 percent to 8 percent annually.
Automatic emergency braking has reduced front-to-rear crashes by approximately half.
The auto average repair is $4,800. Vehicles six years old or newer cost 55 percent more to repair than older ones.
APCIA is a national trade association for home, auto, and business insurers.