Drivers who own their own homes have a tendency to file fewer auto-insurance claims than renters, at least that’s one study proposes. Per The Wall Street Journal:  

An analysis from auto-insurance comparison site Insurance.com looked at data from more than 700,000 drivers who completed an online questionnaire to find out if there was any foundation for this argument. And there is.

Most likely to file an auto claim are drivers between 18 and 24 who live with their parents. According to Insurance.com data, 24.4% of drivers in this group have filed a claim in the past three years. Meanwhile, 19.7% of renters 18 to 24 have filed a claim, while 17.6% of homeowners 18 to 24 have filed a claim.

However the article emphasized that the numbers don’t give an explanation for why homeowners are less likely to file auto claims.

Asked to speculate, though, Des Toups, managing editor of Insurance.com, said that income probably plays a partial role. “It’s also probably a function of stability,” he adds. But, he says, “we can’t look at this data and claim that to be true.”