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No study here scientifically proves that a particular car makes its driver behave badly. The closest model-by-model ranking counts insurance applicants who reported a citation for driving too fast for conditions: the BMW 4-Series tops Insurify’s list at 12.9 drivers per 1,000. A separate, newer LendingTree analysis ranks vehicle makes—not models—by a broader mix of reported incidents. Both are observational snapshots, not verdicts on every driver behind the wheel.
Which car models have the most reported bad-weather speeding citations?
Insurify analyzed more than 4 million car insurance applications. Applicants disclosed the vehicle they drove and recent driving history, including moving violations. For each model, Insurify calculated the share of drivers reporting at least one citation for “driving too fast for conditions,” then listed the ten highest rates below. The figures are rounded reports per 1,000 drivers.
| Rank | Car model | Drivers reporting a citation per 1,000 |
|---|---|---|
| 1 | BMW 4-Series | 12.9 |
| 2 | Audi A5 | 12.7 |
| 3 | BMW 7-Series | 10.5 |
| 4 | Toyota Yaris | 8.0 |
| 5 | Audi A3 | 7.5 |
| 6 | Mercedes-Benz CLA-Class | 6.7 |
| 7 | Acura ILX | 6.3 |
| 8 | Volkswagen Golf | 6.2 |
| 9 | BMW X1 | 6.0 |
| 10 | Audi A4 | 5.9 |
The BMW 4-Series leads this particular measure, and Insurify describes its rate as nearly four times the average. The finding is specifically about reported citations for driving too fast for conditions; it does not rank every kind of unsafe driving. Insurify’s page does not state the publication date or the period covered by the application records, so these figures should not be treated as current-year rates. See Insurify’s model ranking and methodology.
What does the newer brand-level study say?
LendingTree’s 2026 report analyzed tens of millions of QuoteWizard by LendingTree auto insurance inquiries submitted from Jan. 1 through Dec. 16, 2025. Among the 30 makes with the most inquiries, it calculated incidents per 1,000 drivers across accidents, DUIs, speeding-related incidents, and general citations. Its highest combined rates were:
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| Vehicle make | Combined incidents per 1,000 drivers |
|---|---|
| BMW | 44.9 |
| Ram | 44.7 |
| Tesla | 42.8 |
Those numbers cannot be directly compared with Insurify’s model list: LendingTree groups vehicles by make and combines several incident categories, while Insurify ranks individual models on one citation type. Within LendingTree’s separate measures, Ram had the highest accident rate at 23.9 per 1,000, followed by Subaru at 23.2 and Tesla at 23.1. BMW led the DUI measure at 4.8 per 1,000, more than twice Ram’s 2.2. Overall speeding rates varied little among the 30 makes, so the combined ranking should not be read as a speeding ranking. Read LendingTree’s 2026 brand report.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Do these rankings prove that a car causes bad driving?
No. Both analyses describe associations in insurance application or inquiry records. They do not show that a vehicle causes its driver to speed, crash, or receive a citation, and they are not controlled tests of all drivers or cars. The Insurify ranking is limited to one reported citation category; the LendingTree figures reflect a different dataset, time window, unit, and collection of incident types.
Rank #2
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As LendingTree car insurance expert and licensed agent Rob Bhatt puts it: “Speeding and other violations impact rates for an individual driver, but not necessarily their vehicle type. Insurance companies view drivers with tickets or accidents on their record as risky to insure, regardless of the type of vehicle they drive.”
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Rank #3
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What should drivers take from the rankings?
- Treat the Insurify list as a ranking of reported weather-related speeding citations by model—not a general score of driver skill.
- Treat the LendingTree ranking as a brand-level count of several incident types during its stated 2025 inquiry period—not a model-by-model comparison.
- Do not use either ranking to predict an individual driver’s behavior or insurance quote. Insurers assess individual driving and claims factors; a brand-level statistic is not a personalized price.
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