Who do you think make more crash claims – older or younger drivers? We’ve looked into our at-fault insurance claims data to find the answer.

Baby Boomers, specifically those aged around 60, were the best performers with 80 per cent less chance of having an at-fault collision than an 18 year old. This could be because most drivers in this age bracket have typically had their licence for more than 40 years and with age comes experience.

It seems our younger drivers tend to agree. A recent RAC survey of 17-21 year old members showed 33 per cent of participants believed that 41-60 year olds were the safest WA drivers.

On the other hand, our insurance data shows 18 year-olds (Gen Z’s) have an almost 50 per cent higher chance of having an at-fault collision than 22 – 39 year olds (Gen Y’s) and 55-60 per cent higher chance than 40 – 50 year olds (Gen X’s). That’s not to say all Gen Z drivers should be branded as reckless or irresponsible drivers, they may just lack the experience that is acquired through years of driving.

A report by the Curtin Monash Accident Research Centre in 2012 also demonstrated that young drivers have a greater risk of crash involvement caused by lack of experience, as well as on-road risk taking behaviours like speeding and close following.

While 60 year-olds are the least likely to make a crash claim, that quickly changes as they get older. In fact, once a driver reaches the age of 68, their chances of having a car crash progressively increase to almost the same likelihood of an 18 year-old.

So, what’s the take out message from these results?

“All drivers, regardless of age, should always pay attention while they are behind the wheel of a car and never take driving for granted,” said RAC General Manager of Claims, Andrew O’Hara.

“It’s a good idea to get regular health checks when you reach 60 because deteriorating vision and cognitive abilities, and even the use of some medications, can affect your driving.

“Young drivers might know how to drive technically, but they can always benefit from the experience and guidance of their older peers.”