
Speeding, drink driving, driving while fatigued or intoxicated, not wearing a seatbelt – all of these are classed as human error, and the majority of road accidents are believed to be caused by human error.1
Driving distracted, such as using a phone behind the wheel, could increase the likelihood of a crash. The World Health Organization notes drivers using mobile phones are four times more likely to be in a car crash.2
So, how common is mobile phone use while driving? Are we really the good and safe drivers we think we are?
As car insurance comparison experts, we surveyed over 3,000 adults across Australia, Canada and the USA, asking them for their dangerous driving confessions, and how they would rate their own driving.
Here are the results.
When asked to self-assess their driving, most people said they were good or great. Americans were the most likely to give themselves full marks, with almost half of Americans surveyed rating themselves as great and safe drivers, while 30.7% said they were good but could be better.
For the Canadian cohort, 44.9% said they were great and safe drivers, and 34.3% said they only had a little to improve on, while in Australia it was 42.2% and 37.9% respectively.
| What kind of driver do you consider yourself? | 🇦🇺 Australia | 🇨🇦 Canada | 🇺🇸 USA |
|---|---|---|---|
| A great & safe driver | 42.2% | 44.9% | 49.8% |
| A good driver, but could be better | 37.9% | 34.3% | 30.7% |
| An OK driver | 12.7% | 7.3% | 8.4% |
| Not a very good or safe driver | 1.4% | 1.4% | 1.0% |
| A very bad & unsafe driver | 0.1% | 0.5% | 0.2% |
| I don’t drive | 5.6% | 11.6% | 9.9% |
Despite most people having good opinions of their driving abilities, over three-quarters admit to driving behaviours that can be viewed as distracted or outright dangerous, across all countries.
The top three behaviours were eating and drinking (non-alcoholic beverages), speeding and driving while tired. Eating and drinking accounted for 58.2% of Americans, 56.0% of Canadians and 54.7% of Australians. Americans were slightly more likely to speed at 47.0%, followed by 46.4% of Canadians and 44.9% of Australians, and Americans were more likely to drive while tired. This accounted for 41.4% of American drivers compared to 38.6% of Canadians and 38.2% of Australians.
In general, Americans were the most likely to confess to one of the behaviours surveyed, while Australians were typically the least likely – except for reaching into the backseat and running a red light, where Australians overtook Canada, but didn’t beat America.
Most response rates across the three countries were fairly close, but there were some answers that saw sizable differences between the countries. Driving without a seatbelt saw the biggest gap in responses, with 21.1% of Americans admitting this, compared to 13.5% of Canadians and only 5.2% of Australian drivers.
| What have you done while driving? | 🇦🇺 Australia | 🇨🇦 Canada | 🇺🇸 USA |
|---|---|---|---|
| Eaten food / had a drink | 54.7% | 56.0% | 58.2% |
| Driven over the speed limit | 44.9% | 46.4% | 47.0% |
| Driven while tired | 38.2% | 38.6% | 41.4% |
| Reached for something in the back seat | 24.6% | 21.8% | 25.4% |
| Sent or read text messages | 17.4% | 19.7% | 26.8% |
| Ran a red light | 10.5% | 10.2% | 15.7% |
| Taken photos or videos | 9.0% | 9.6% | 16.7% |
| Driven under the influence of alcohol | 7.7% | 7.5% | 10.0% |
| Littered out the window | 6.7% | 7.1% | 9.2% |
| Ran a stop sign | 6.4% | 10.0% | 15.5% |
| Used social media | 6.2% | 7.3% | 11.0% |
| Driven without a seatbelt | 5.2% | 13.5% | 21.1% |
| Applied makeup / self-groomed | 4.3% | 4.7% | 6.5% |
| Driven under the influence of drugs | 2.9% | 4.1% | 5.6% |
| Played a game on the phone | 1.9% | 2.4% | 5.6% |
| None of the above | 22.2% | 22.3% | 18.0% |
Note: respondents could select multiple options, so percentages do not add up to 100%.
There are strict road rules on using mobile phones while driving in all three countries, but these can differ between jurisdictions. Drivers are typically allowed to use mobile phones while driving for hands-free phone calls, navigation, music and in some specific circumstances like paying for food at a restaurant drive-thru.3
But is that how we’re using our mobile phones? According to the survey, there are plenty of drivers who confess to mobile phone use that could be deemed distracting – and potentially illegal.
While music, maps and phone calls were some of the most common, a number of respondents in all three countries admitted to using their phones to text, view social media, email and navigate work-related apps like Microsoft Teams.
Texting was the most common use of mobiles while driving in Australia (45.2%), ahead of those who use maps and navigation (42.5%). Likewise, in America, 48.5% admitted to texting, while only 45.9% used their mobile phones for navigation.
In contrast, maps and navigation was the number one use of a phone while driving in Canada at 42.3%, compared to 41.9% who admitted to texting and messaging while driving.
| What have you used your mobile phone for while driving? | 🇦🇺 Australia | 🇨🇦 Canada | 🇺🇸 USA |
|---|---|---|---|
| SMS/text/messaging | 45.2% | 41.9% | 48.5% |
| Maps/navigation | 42.5% | 42.3% | 45.9% |
| Phone calls | 31.2% | 25.2% | 36.7% |
| Music | 28.2% | 27.2% | 31.5% |
| 16.9% | 20.8% | 25.7% | |
| 15.6% | 15.4% | 19.6% | |
| 15.0% | 12.8% | 18.9% | |
| Work-related apps (Teams, Slack etc.) | 10.6% | 11.1% | 11.1% |
| Snapchat | 9.6% | 8.4% | 12.0% |
| TikTok | 9.0% | 15.1% | 15.2% |
| 4.7% | 4.4% | 5.7% | |
| Gaming | 2.3% | 4.7% | 6.5% |
| Dating apps | 2.0% | 2.7% | 4.8% |
| Other | 5.3% | 4.7% | 6.3% |
Note: respondents could select multiple options, so percentages do not add up to 100%.
Car insurance can cover you in an accident, but will it cover you if you were using your phone while driving? Executive General Manager at Compare the Market, Adrian Taylor, warns drivers that insurers may not pay out a claim if you’re found to be using your mobile phone while driving.
“When it comes to car insurance, there’s a difference between ‘being at fault’ for an honest accident and engaging in illegal or reckless behaviour, such as texting while driving,” says Mr Taylor.
“Using your phone for hands-free navigation or hands-free phone calls may be acceptable, but it’s imperative that drivers avoid any illegal use of the phone. It’s distracting, can be dangerous and could leave you footing the bill yourself if your insurer refuses to pay because you did the wrong thing.
“It’s also worth noting that being at fault and having a bad driving record can significantly increase car insurance premiums going forward, regardless of which insurance provider you go with.
“Staying safe and doing the right thing with your phone while driving isn’t just important for road safety, it makes good financial sense too.”
Speaking to the other survey results, Mr Taylor says it’s concerning to see dangerous and risky behaviours observed across all three countries surveyed.
“In all three countries, nearly half of all drivers admitted to driving over the speed limit. This can lead to a hefty fine and penalty points. Alarmingly, over 10% admitted to running a red light! This is risky and dangerous driving, from an insurance point of view, and road safety.
“Staying safe on the road is everyone’s responsibility.”
Compare the Market commissioned Pure Profile to survey 1,012 Australian, 1,009 American and 1,005 Canadian adults in August 2025.
1 Vecchiato G, Ahlström C, Chuang LL. Editorial: Cognitive Mechanisms for Safe Road Traffic Systems. Front Neuroergon. 2022 Apr 25;3:897659. doi: 10.3389/fnrgo.2022.897659. PMID: 38235473; PMCID: PMC10790825.
2 Road traffic injuries. World Health Organization. 2023.
3 Driving and mobile phones. Queensland Government. 2025.
A previous survey in 2022 is available here.