Waymo has zero bodily-injury, 76% fewer property-damage claims

Heliyon (14 July 2024, Swiss Re and Waymo authors): Waymo liability claims benchmarked against 600,000+ Swiss Re claims; a Dec 2024 25.3M-mile update reports 88%/92% reductions.

AI system

System

Waymo Driver (SAE Level 4 automated driving system) operating the Waymo One ride-hailing service

Model

Not assessed

Release

Not assessed

Application developer

Waymo LLC

Role

Not assessed

Configuration

Not assessed

Inputs and outputs

Not assessed

Autonomy

Not assessed

Workflow

Geofenced, mostly non-freeway urban service areas in Phoenix and San Francisco. Liability claims adjudicated under state negligence law and reported for any incident regardless of automation level. A human baseline calibrated by zip code of the insured and by mileage exposure. Rider-only operation with no human in the driver's seat.

Human oversight

Not assessed

Relation to AI

The ADS drove all rider-only miles. Claims were adjudicated by Waymo's claims administrator. The anonymized data were reviewed by Swiss Re, which built the human baseline from its own portfolio. The comparison is observational (different drivers, roads and reporting pathways). The rider-only sample in the peer-reviewed paper is 3.9 million miles, and Waymo authors co-wrote both papers.

AI contribution

The ADS drove all rider-only miles. Claims were adjudicated by Waymo's claims administrator. The anonymized data were reviewed by Swiss Re, which built the human baseline from its own portfolio. The comparison is observational (different drivers, roads and reporting pathways). The rider-only sample in the peer-reviewed paper is 3.9 million miles, and Waymo authors co-wrote both papers.

Benefits

Outcome identifiers

Not assessed

Benefit

0.78 property-damage claims per million miles against 3.26, a 76% reduction

Category

Increased Product Safety

Status

Not assessed

Beneficiary groups

Society. Organizations. People.

Beneficiaries

Not assessed

Reach

Not assessed

Distribution and access

Not assessed

Duration

Not assessed

Expected?

Yes

Costs and harms

Not assessed

Measurement

Studies

Not assessed

Study design

Not assessed

Measurement

Not assessed

Setting and sample

Not assessed

Measures

0.78 property-damage claims per million miles against 3.26, a 76% reduction

Comparison

zip code-calibrated human-driver baseline built from Swiss Re liability claims

Results

Reference: 1.11 claims per million miles (bodily injury); 3.26 claims per million miles (property damage). Result: 0.00 claims per million miles (bodily injury); 0.78 claims per million miles (property damage).

Additional value from AI

Not assessed

Limitations

Not assessed

Denominators

Not assessed

Materials for replication

Not assessed

Money

Kind of value

Not assessed

Amount

Not assessed

Currency and prices

Not assessed

Period and unit

Not assessed

Realization

Not assessed

Recipients and payers

Not assessed

Gross or net

Not assessed

Included costs

Not assessed

Comparison

Not assessed

Method

Not assessed

Return and payback

Not assessed

People and places

Participants

Developer: Waymo LLC. Operator: Waymo LLC (Waymo One in Phoenix and San Francisco; later Los Angeles and Austin).

Jurisdictions

Developer: United States. Operator: United States.

Ownership and control

Not assessed

Dependencies

Not assessed

Cross-border connections

Not assessed

Geopolitical implications

Not assessed

Follow-up

Conditions for replication

Access to an insurer's claims portfolio for the same zip codes and years. Comparable claim-reporting thresholds for ADS and human drivers. Sufficient autonomous mileage for non-overlapping confidence intervals. Operational design domain similar to the baseline's road mix.

Replication attempts

3 follow-up entries. Benefit recurred: 3.

Later findings

19 December 2024. A follow-up with Swiss Re over 25.3 million rider-only miles reported 88% fewer property-damage and 92% fewer bodily-injury claims than the overall driving population, and a May 2025 peer-reviewed study over 56.7 million miles found statistically lower crash rates across injury outcomes.

Availability

Not assessed

Institutional decision

Not assessed

Grounds

Not assessed

Action and result

Not assessed

Success criterion

Not assessed

Evidence

Source numbers

AIBD-0241-source-0001–0005

Citations

Numbered references below.

Language

Not assessed

Source relationships

Developer

Original evidence

Not assessed

Access and versions

Not assessed

Supported findings

Not assessed

Evidence strength

Not assessed

Missing evidence

Not assessed

Grades

Assessed benefits

Society. Organizations. People.

Depth

Not assessed

Reasons

Society: Aggregate claim-frequency comparison; no individually attributable outcome is documented. Organizations: Fewer liability claims are reported in aggregate only. People: No individual beneficiary is documented.

Observed or intended

Not assessed

Rubric

Not assessed

Assessor and date

Not assessed

Alternative assessments

Not assessed

Fill

The makers' claim

Entry details

Kind

Not assessed

Field

Road vehicle crash avoidance. Automated driving systems / ride-hailing.

Purpose

The Waymo Driver is built to provide driverless ride-hailing. The studies were designed to measure its liability-claim frequency against human drivers.

Dates

Date basis unassessed: 2024 (precision unassessed). Updated: 21 October 2026.

Stage

Not assessed

Version

SHA-256: cefe9a749184…

References

Other identifiers

Not assessed

Category mappings

Not assessed

Brief

Not assessed

Revisions

6 revisions. Latest: 21 October 2026.

Sources

  1. Peer-reviewed study Developer

    Di Lillo L, Gode T, Zhou X, Atzei M, Chen R, Victor T (2024). Comparative safety performance of autonomous- and human drivers: A real-world case study of the Waymo Driver. Heliyon 10(14): e34379.

  2. Peer-reviewed study Developer

    Kusano KD, Scanlon JM, Chen YH, McMurry TL, Gode T, Victor T (2025). Comparison of Waymo Rider-Only crash rates by crash type to human benchmarks at 56.7 million miles. Traffic Injury Prevention 26(sup1).

  3. Peer-reviewed study Developer

    Di Lillo L, Gode T, Zhou X, Atzei M, Chen R, Victor T (2024). Comparative safety performance of autonomous- and human drivers: A real-world case study of the Waymo Driver. Heliyon 10(14): e34379 (PMC11305169, full text via Europe PMC).

  4. Preprint Developer

    Di Lillo L, Gode T, Zhou X, Scanlon JM, Chen R, Victor T (2024). Do Autonomous Vehicles Outperform Latest-Generation Human-Driven Vehicles? A Comparison to Waymo's Auto Liability Insurance Claims at 25 Million Miles. PDF hosted by Waymo.

  5. Press release Developer

    Waymo (19 Dec 2024). New Swiss Re study: Waymo is safer than even the most advanced human-driven vehicles. Waymo blog.