Wayne Texeira,
Marketing Director, CFMP, AINS, AIS, API

Having a car accident is something that everyone dreads. It’s something that parents of teen drivers especially worry about when their child first gets behind the wheel.

Car accident statistics have long shown that younger and older drivers are more likely to be involved in car accidents. However, a recent study published by Kansas State University has shown that gender is related to the type of severe or fatal crash in which a young driver may be involved. The study investigated gender differences and similarities of young drivers aged 16-24 involved in all motor vehicle crashes in Kansas between 2007 and 2011.

“Researchers found several differences in the types of crashes between young men and women:

  • Young females were 66 percent more likely to wear a seat belt than young males.
  • Young females were 28 percent more likely to drive on a restricted license than young males.
  • Young female drivers had more crashes at intersections and collisions with pedestrians.
  • Young males had more crashes after sunset than young females.
  • Young female drivers were more likely to be involved in crashes during weekdays, while young male drivers were more likely to be involved in crashes during the weekend.
  • Young male drivers had more off-road crashes than young females.”1

“There are often different risk factors for young male and young female drivers because their behavior and attitude are generally different,” according to the university’s Sunanda Dissanayake, professor of civil engineering.  “This may help explain why one gender is more likely to be involved in a certain type of crash. For example, young males may have more off-road crashes because this crash type is more frequently involved with speeding on rural roads — a driving habit exhibited more by young males than young females.”1

The hope is that these findings may help reduce the number and severity of such crashes by improving drivers’ education course materials. While accidents can’t always be avoided, awareness of situations where crashes are more likely to occur can allow drivers to be more cautious.
If you are a young driver or have a young driver in your family, take a moment to discuss the gender-related risk situations and how you might modify driving behavior to be safer on the road.

1Source:  Kansas State University

Read Other Blog Posts

Hurricane Season in New England What Homeowners Need to Know to Stay Protected

Hurricane Season in New England: What Homeowners Need to Know to Stay Protected

Hurricane season impacts New England more than many homeowners expect. From flooding to wind damage, preparation is key. Learn how to review your insurance, protect your property, and stay safe before, during, and after a storm.
Motorcyclist Cord 1200

Stay Safe With Motorcycle Safety Awareness Month

May is Motorcycle Safety Awareness Month. This time is dedicated to helping bikers and their passengers remain safe while cruising the road. Although your bike can be a thrilling and exciting way to travel, it’s also often more dangerous than using a passenger car. Check out safety tips to keep in mind.
Steering wheelSteering wheel

What Should You Do After a Car Accident to Help Your Insurance Claim?

A car accident can be stressful and overwhelming, especially in the moments that follow. This checklist outlines practical steps drivers can take after an accident to protect themselves, document key details, and help keep the insurance claims process on track
Murphy Insurance Proudly Sponsors the Groton Road Race

Murphy Insurance Proudly Sponsors the Groton Road Race

Murphy Insurance Agency is proud to sponsor the 2026 Groton Road Race on May 3. With 5K, 10K, and Fun Run options, this beloved local event brings runners and families together to celebrate community, health, and one of Groton’s best traditions.
Plumbing & Water Damage | Homeowner's Manual Blog Series

Plumbing & Water Damage Prevention | Homeowner’s Manual Blog Series

Water damage is one of the most common and costly issues homeowners face, but many problems are preventable. From fixing leaks to maintaining sump pumps, simple steps can protect your home. Explore practical tips from Murphy Insurance’s Homeowner’s Manual to stay ahead.
Why Flood Insurance Matters

Why Flood Insurance Matters

Flooding can cause costly damage to homes and create health risks from mold, even outside high-risk zones. Because standard homeowners insurance excludes flood damage and losses are rising, flood insurance is a critical layer of protection for homeowners.
Massachusetts Boaters A New Safety Requirement You Need to Know Before Summer

Massachusetts Boaters: A New Safety Requirement You Need to Know Before Summer

Massachusetts boaters should be aware of a new safety law taking effect in 2026. Many operators will now need a boating safety certificate based on age. Learn who is affected, key deadlines, and how to complete an approved course before the season begins.
Why Umbrella Insurance Matters for Local Families in Bolton, MA

Why Umbrella Insurance Matters for Local Families in Bolton, MA

Umbrella insurance provides added liability protection beyond your home and auto policies—essential for Bolton, MA, families with high-value homes, teenage drivers, or those involved in recreational activities. Learn how Murphy Insurance can help you safeguard your future with affordable coverage tailored to your lifestyle.
Driver with phone

Preventing Distracted Driving

According to the National Safety Council, more than 3,000 people die each year as a result of distracted driving crashes. Keep reading to learn what you can do to reduce potential distractions while you drive—keeping both yourself and others safe on the road.

Visit Our Personal Insurance Page

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.