Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we may receive financial compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Risky Travel Habits Across America [2022 Data Survey]

Alex Miller's image
Alex Miller
Edited by: Keri Stooksbury
Jump to Section

We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

How early you’re supposed to get to the airport before a flight is something people have argued about for years. On the one hand, nobody wants to miss their flight, but on the other, it’s almost equally unappealing to sit around at your gate for an hour or 2 unnecessarily. So what’s the solution? Well, that will vary depending on who you ask. 

The same traits that affect how early you arrive at the airport will also probably affect whether or not you purchase travel insurance or the number of outfits you pack. Basically, different people allow for different levels of risk when it comes to travel, and we wanted to find out how these tendencies vary across the country.

Which States Take the Most and Least Risk When Traveling?

States With the Most and Least Risky Travelers
Image Credit: Upgraded Points

According to our survey data, if you’re from Idaho, you’re more likely to be on the side of the spectrum that buys travel insurance, arrives extra early for a flight, and packs more outfits than there are days in the trip itself. This is because Idahoans, on average, make the most risk-averse travel decisions, followed by people from Kansas and Ohio.

On the contrary, people from Florida have the riskiest travel habits, followed by Georgia, Kentucky, and New Mexico.

Travel Priorities Amongst Americans

Americans Would Rather
Image Credit: Upgraded Points

If something has to go wrong on a trip, Americans definitely prefer certain unpleasantries to others. For example, 76% of our survey respondents said they’d rather miss their flight than lose their luggage

The next “would you rather” was a lot closer, though: only 52% of our respondents said they’d rather be stuck on a flight with a screaming child than have a tight layover that could cause them to miss a connecting flight. And if the average American would prefer a screaming child over even the chance of missing a flight, losing luggage must truly be one of the biggest travel inconveniences one can experience!

Flights aren’t the only important part of traveling, however. In our final question, 81% of our respondents said they’d rather book a flight through the budget option Spirit Airlines than book a 1-star hotel room. 

Advertisement

American Travel Habits

American Travel Habits
Image Credit: Upgraded Points

According to our survey, 15% of Americans don’t set aside an emergency fund when they travel, although perhaps the takeaway here should be that 85% of Americans do set aside an emergency fund when they travel. Combine this with the fact that 40% of Americans purchase travel insurance whenever they take a trip and it seems that the majority of people prepare for things to go wrong in one way or another! 

Many Americans possess other risk-averse travel habits, too. For example, our survey proved that the old rule of thumb, to arrive at the airport 2 hours before any flight, is still followed by the majority of travelers. Also, over half of Americans (63% to be exact) arrange a ride from the airport before they’ve even hopped on the plane, leaving no chance for a long taxi or rideshare app wait time. And out of the different generations, millennials might just be the most risk-averse when it comes to travel, as 94% of them say they often or always conduct research about wherever it is they’re going during the trip-planning phase. That’s a higher percentage than any other generation!

But not everyone prepares for a trip like a camel at an oasis: just under 30% of Americans regularly opt for non-refundable tickets when they travel, and a little over a quarter of men rarely or never take the weather into account when they’re planning a trip. And remember how 40% of Americans routinely purchase travel insurance? If we just look at Gen Zers, that percentage drops to 26%.

How risky someone’s travel tendencies are can even be seen through something as small as how they pack for trips. This might not come as a surprise, but there is a strong gendered difference here. According to our survey, 80% of women say they overpack for their trips, while a bit less than half of men pack “just enough to get by.” So basically, a lot of men that are on a business trip or vacation are just 1 wine stain away from disaster.

Hot Tip: Check out our complete travel packing checklist, along with our best tips for packing!

Methodology

Our survey ran for 2 weeks in January 2022 and recorded 3,057 responses from Americans across the country. However, due to a lack of responses from people in several states, Alaska, Montana, North Dakota, South Dakota, Vermont, and Wyoming were not included in our state-by-state results.

Final Thoughts

While there are lots of risk-averse Americans out there that take travel preparation seriously, the majority of them just might be women. Between the lack of packing extra things or planning around the weather, men seem to be more carefree when it comes to travel. However, people of every gender tend to lean more towards risk-aversion, as it’s commonplace in the U.S. to arrive at the airport way before a flight and have money set aside for travel emergencies.

We learned that the average American wouldn’t want to be stuck on a flight with a crying baby, but they’d hate to miss the flight completely even more. However, a lost bag is more feared than even a missed flight.

Regionally, residents of Idaho, Kansas, Ohio, New Hampshire, and Mississippi are the most risk-averse travelers, while residents of Florida, Georgia, New Mexico, Kentucky, and Louisiana are the riskiest.

Alex Miller's image

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse

We Recommend

Platinum Card® from American Express

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Show more
  • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
  • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
DMCA.com Protection Status