Solutions
The statement in option 1 is one of the reasons to not worry about wearing seat belts. Thus, it is supporting the conclusion and does not weaken it. Therefore, option 1 gets eliminated.
To refute the conclusion in this argument, we need to prove that automobile drivers and passengers not wearing seat belts harm other people as well. The harm could be in the form of a physical injury or costs associated with damage to vehicles.
The higher insurance rates indicate that in most accident cases, the chances of the vehicle getting damaged or the passengers getting hurt are high. Thus, this can be considered as a harm to the insurance providers.
Thus, if the second statement is true it will help weaken the conclusion drawn in the question.
The statement in option 3 is irrelevant as it talks about passengers of airplanes and not those of automobiles.
The statement in option 4 does not explain the harm caused to others while driving automobiles without seat belts.
We cannot be certain that the fatalities caused in states without mandatory laws are those of people not wearing seat belts.
Hence, option 2 most seriously weakens the conclusion drawn above.