Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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Insurance is all about measuring risk, and believe it or not, certain occupations are more prone to car accidents than others.

The reason behind it remains a mystery, but because of these stats, compiled by Quality Planning Corp. and digested by, you may be charged a higher car insurance premium.

While occupation certainly isn’t the driving force behind your car insurance rate (how are car insurance rates determined), it may be factored in.

Keep in mind, however, that it’s not all bad; some occupations are actually eligible for discounts.

So who gets in the most car accidents?  Well, though “student” isn’t exactly a profession, this group is by far the worst, with an average of 152 accidents and 87 speeding tickets issued annually for every 1,000 drivers (why is car insurance so high for teenagers?).

Not far behind are doctors, averaging 109 accidents and 44 speeding tickets annually per 1,000 drivers; this one makes sense because they’re typically driving late at night and in a hurry.

Lawyers hold the second spot, with 106 accidents and 37 speeding tickets per 1,000 drivers, followed by architects with 105 accidents and 72 speeding tickets.

Which begs the question, “What’s the hurry Mr. Builder?”

Top 10 Crashers by Occupation

1. Doctors – 109 accidents, 44 speeding tickets
2. Lawyers – 106 accidents, 37 speeding tickets
3. Architects – 105 accidents, 72 speeding tickets
4. Real estate brokers – 102 accidents, 39 speeding tickets
5. Enlisted military personnel – 99 accidents, 78 speeding tickets
6. Social workers – 98 accidents, 33 speeding tickets
7. Manual laborers – 96 accidents, 77 speeding tickets
8. Analysts – 95 accidents, 40 speeding tickets
9. Engineers – 94 accidents, 51 speeding tickets
10. Consultants – 94 accidents, 51 speeding tickets

Nurses, librarians, insurance agents, firemen, politicians, dentists, accountants, law enforcement and salespeople also ranked high, though not in the top ten.