Game Day Driver Safety Facts and Stats

The 2022 NFL season kicked off on September 8. Football season draws crowds to high school, college and professional football stadiums. As fans gather to tailgate, spectate and, often, binge on booze, the extra traffic and rowdy worshipers can prove dangerous for drivers and other attendees. Overall, crashes may increase on match days, but fatal crashes are less likely to occur in slow-moving traffic around a stadium, according to Bloomberg.

With the start of the football season, it is important to be both a good supporter and a good pilot. Excessive drinking on game days could negatively impact your driving history and ultimately increase your car insurance rates. Whether you’ve recently been involved in an accident or are simply looking for a better deal, you may want to get car insurance quotes from multiple providers to ensure you always get the best deal for you.

Game day stats

Play days can be fun for everyone, from kids to seniors. It is important to be aware of your safety on game days, as large crowds, alcohol and increased traffic can pose risks to your well-being, finances, personal property and your criminal record. conduct.

Drunk driving statistics

Traffic accident statistics

  • The following factors correlate with more and deadlier car crashes: weather, traffic speed, driver fatigue, time of day, distractions, and alcohol. (Bloomberg)
  • Overall, crashes may increase on game days, but fatal crashes are less likely to occur in slow-moving traffic that typically occurs on game days. (Bloomberg)
  • Road accidents increase by 41% after the Super Bowl. (snopes)
  • 35,766 fatal road accidents occurred in 2020. (IIHS)
  • 43% of car crash deaths occurred in rural areas in 2020. (IIHS)

Vehicle vandalism and property crime statistics

  • On match days, some fans resort to vandalism and property crimes, such as overturning cars or burning sofas. Last year, a Michigan State fan caught fire while sitting on a burning couch. (Newsweek)
  • Riots broke out in cities like Philadelphia, Detroit, Boston, Chicago, Denver and Cleveland over sports wins and losses. (Subway)
  • Around 6.9 million property crimes took place in 2019. (FBI)
  • Property crime losses totaled $15.8 billion in 2019. (FBI)
  • Motor vehicle theft was the most likely to be reported crime at almost 80% and the least likely to be solved at 13.8%. (Pew Research Center)

Risk factors by age group

Your safety on game day is influenced by your individual choices. However, it is important to know that a person’s risk factors on game day can vary depending on their age group.

Teen Drivers

  • Consequences of underage drinking can include suspension from school and sports teams. (Washington Post)
  • Traffic fatalities are the second leading cause of death among drivers aged 15 to 20. (Insurance Information Institute)
  • Teenage drivers represent only 5.1% of licensed drivers, but 8.5% of drivers involved in fatal crashes. (Triple-I)
  • Drivers between the ages of 16 and 20 are 17 times more likely to die in a crash with a blood alcohol level of 0.08% than when they haven’t been drinking. (CDC)
  • 10% of high school students drink and drive. (CDC)


  • An average of 139.4 police incidents occurred on college game days. (Sports Illustrated)
  • The most common offenses on game days on most campuses are alcohol-related or “disorderly” offenses. (Sports Illustrated)
  • Excessive drinking is a common occurrence on college game days. The primary reason for arrests and citations at the University of Wisconsin football stadium was underage drinking. (Badger Herald)
  • Alabama recorded 448 game-day incidents, the highest number of any school. (Sports Illustrated)
  • NC State had the highest incident rate on game days. (Sports Illustrated)

Young adults

  • NFL stadiums, home to the Washington Commanders, New England Patriots, Buffalo Bills, Dallas Cowboys and Jacksonville Jaguars, are the scene of the worst traffic jams. (USA today)
  • Frustrated fans tend to become more aggressive. (Sports Illustrated)
  • More than 1.2 million fans attended 119 NFL games from 22 teams in 2020. (Sports Illustrated)
  • Young adults aged 21 to 24 are more likely than any other age group to be drinking drivers involved in fatal crashes. (The bank rate)
  • The highest number of alcohol-related deaths occur in Texas, California and Florida. The lowest number of alcohol-related deaths occur in Rhode Island, Vermont, and North Dakota. (The bank rate)

Game day security

  1. Make sure you have a safe route to and from the game. Drinking and driving on game day can put you and others at risk. If you’re drinking on game day, make sure you have a designated driver or reliable transportation home. Be careful not to rely on ride-sharing services or taxis, as you could be competing with tens of thousands of fans to find one after the game.
  2. Keep your distance from rowdy fans. Many fans indulge in excessive drinking on game day, which can contribute to unruly behavior. Make sure to keep your belongings close to you and avoid provoking opposing supporters to limit the risk of an incident.
  3. Keep your alcohol consumption under control. The CDC defines drinking like four drinks for women and five for men on any given occasion. Excessive alcohol consumption is associated with serious injury and harmful behavior, so if you’re drinking on game day, you may want to consider limiting your intake. If you drink in the sun, be sure to hydrate and don’t forget to eat.
  4. Make sure perishable foods are safe to eat. Tailgating gaps can be left out for hours at a time. Make sure hot foods are kept at 140 degrees or hotter and cold foods are kept at 40 degrees or colder. Throw away any perishable foods that have been left out for more than 2 hours.
  5. Make sure you have adequate car insurance coverage. Traffic to and from the game may increase the risk of collision. Before the game, you may want to make sure you have sufficient car insurance coverage to protect you financially in the event of an incident.

Resources for filing a complaint

If your car or any of your belongings were damaged on match day, here’s what to do. Young drivers may be particularly unsure of how to file a claim and how to handle an accident in the event of a collision.

  1. Make sure everyone is safe. If anyone is injured, call medical help immediately.
  2. Exchange your details with the other driver. You will likely need their name and insurance information to handle insurance claims.
  3. Call the police. The police can draw up a report of the accident.
  4. Write a written account of the accident and take photos. The report and photos will be helpful to your adjuster when you file a claim.
  5. File a complaint. To file a claim, most car insurance companies ask for the names, contact details, and insurance information of people involved in an accident. They usually ask for a copy of the accident report, the names and badge numbers of the police officers at the scene, the place and time of the accident, and any photos taken.

If you need car insurance or are looking for a better deal, you can request quotes from the best car insurance companies in the market. The average cost of car insurance for students is detailed below.

Average Annual Full Coverage Car Insurance Rates for Students

state farm 4.7 $2,470 $3,812
Geico 4.7 $2,409 $3,877
progressive 4.4 $2,991 $6,600
Allstate 4 $3,889 $6,538
Farmers 3.8 $2,584 $6,048


Bankrate uses Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted by population density in each geographic region. Rates quoted are based on a 40 year old male and female with a clean driving record, good credit and the following full coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2020 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes.

Teens: The rates shown as being on the parent’s policy were determined by adding an 18-year-old teenager to the policy of a 40-year-old married couple. The rates displayed take into account the additional cost of the parents’ policy.