<p>With the advent of vehicular traffic on roads, it has also become imperative to study the driving-related behavioral dynamics causing road accidents. This study aims to take up research across on this among Indian states using frameworks from Behavioral Economics. Indian road accident data from 2019 to 2022 attributed to vehicular driving, is used to categorize the states into behaviourally risk clusters as ‘disciplined, impulsive, and reckless’ in driving. Proxies such as overspeeding, mobile phone use, red-light jumping, wrong-side driving, and drunk driving are framed as cognitive violations. Cluster analysis and transition mapping offer a longitudinal perspective on such ‘risk behavior and abeyance’ in civic discipline while driving. Applying Prospect theory on risky driving —highlighting reference dependence, loss aversion, and probability weighting testable hypotheses are framed. Statistically validating the clusters of states formal hypotheses are tested and visualized their multivariate separation using Andrews’ plots. The findings support the development of targeted public policy based on behavioral insights, such as nudges, enforcement reforms, and community engagement.</p>