Cities Ranked by Drivers Likelihood of Crashing

September 16th, 2011
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Where a person lives can help some of the top auto insurance companies determine how much to charge them for their policy. If you live in cities ranked in Allstate’s latest “America’s Best Drivers Report” than you may be able to save money on your auto insurance by being considered one of the “best drivers”.

The report ranks U.S. cities on the frequency of filed property damage claims to insurers by resident policyholders.

Drivers in Fort Collins, Colo., are the most crash free of the 200 largest cities, according to the report. Drivers in Fort Collins are likely to file an insurance claim once every 14 years, that is 28.6 percent less frequent than the national average of once every 10 years.

“We want to recognize the city of Fort Collins for again being the safest driving city in America,” Mike Roche, executive vice president of Allstate’s claims organization, said in a news release.

Other cities that compared favorably against the rest of the country included

  • Boise, Idaho (25.5 percent less likely)
  • Lincoln, Neb. (22.7 percent)
  • Chandler, Ariz. (20.4 percent)
  • Huntsville, Ala. (18.9 percent).

Motorists in Washington, D.C., aren’t as happy with insurance claims for property damage occurring once every 5 years, that’s about twice the rate of an average motorist.

A second study was conducted for crash likelihood in cities with more than one million in population.

Phoenix topped the list in that study for the seventh consecutive year, with drivers experiencing a crash every 10.1 years on average, which was only 1.1 percent worse than the national average.

The number of motor vehicle crashes has decreased nationally in recent years, falling to roughly 5.5 million in 2009 from more than 5.8 million the previous year.

Allstate official stated, that even in the cities with the fewest accidents, driver error remained the leading cause of crashes. So, remember to exercise good driving behaviors that can help to keep both your claim frequency and premiums low.

To read more on traffic safety statistics visit the link below. is a diverse online resource available for searching for insurance rates, a new vehicle or automotive related information. With its secure and easy to use form, you can quickly compare top-rated insurance carriers and local dealerships prices in minutes. To see how much you could be saving visit

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