2026 Driver Risk Report: Current Trends Shaping Roadway Safety
Get our annual driver safety report to discover the latest driver risk insights impacting fleet safety, compliance, auto premiums and much more.
Dive Into Our Annual Driver Safety Report
The 2026 Driver Risk Report draws on 50 million MVRs, 28 million telematics events, CSA/DOT data, and claims efficacy studies to surface what’s actually driving risk across commercial fleets today. This year’s analysis covers rising insurance pressures, risky driving behaviors, regulatory compliance, and industry-specific trends—giving employers, insurers, and brokers the data they need to act.
Commercial Auto Profitability Requires More Than Pricing
The industry has logged 14+ consecutive years of commercial auto underwriting losses, with nearly $5B in losses in 2024 alone. Meanwhile, nuclear verdicts over $100M rose 81% in a single year. Rate increases alone won’t reverse these trends. Modern, AI-enabled risk control is now a necessary lever—and fleets with continuous monitoring and consistent training records are better positioned as underwriting and litigation scrutiny increase.
Risky Driving Behaviors Are Rising
Speeding accounts for 36.5% of all major violations and is a contributing factor in 29% of all traffic fatalities. Distracted driving-related violations are up 31% over two years, and phone use increases crash likelihood by 240%. Human review and lagging indicators can’t keep pace with the speed and volume of modern driver risk.
Discover how these trends compare to last year’s 2025 Driver Risk Report
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Compliance Gaps Can Take a Fleet Offline Overnight
Out-of-service violations exceeded 478,000 in 2025, up 6% year over year, and ELD tampering has become a primary inspection target. Undetected compliance gaps are among the highest-volatility risks a fleet faces. Continuous CSA monitoring detects licensing downgrades and credentialing failures.