America’s Best Drivers Report has been released, detailing the nation’s 200 biggest cities and ranking them according to how safe they are for driving. Allstate compiled the report and assessed how often the insurance company’s drivers’ accident collision claims were filed.
The 6 Safest Cities for Driving
For the third time in nine years of the report being produced, Fort Collins, Colorado has once again been deemed the “Safest Driving City in America” with a claim filed once every 13.9 years.
- Fort Collins, Colorado
- Boise, Idaho
- Sioux Falls, South Dakota
- Brownsville, Texas
- Madison, Wisconsin
- Reno, Nevada
The 6 Least Safe Cities for Driving
Washington D.C. continues to be the least safe with drivers filing a claim once every 4.8 years, representing almost twice the national average of a claim one every 10 years. Washington D.C has been rated by Allstate as the least safe driving city for seven out of the last nine reported published. In 2005 and 2006, Washington was ousted from the worst spot by Newark.
- Washington, D.C.
- Baltimore, Maryland
- Providence, Rhode Island
- Hialeah, Florida
- Glendale, California
- Philadelphia, Pennsylvania
What makes a city safe or dangerous for driving?
The varying types of traffic, levels of congestion, noise, road activity, conditions and rules all combine to create a highly specialized driving experience in big cities such when compared to smaller or more suburban cities, like Fort Collins in Colorado or Boise in Idaho This means that drivers in large urban metropolises such as Washington D.C. will get into more road accidents due to their being more contributing variables on a daily basis.
How might the report impact auto insurance prices?
It is important for motorists to pay attention to reports such as the Allstate yearly safe driving rating, as there is definite potential for impact on car insurance premiums.
Territorial Ratings and Price of Premiums
Most insurers use something called “territorial rating” in their price structures, which take into account the average number of collision and accident claims per year made by motorists living in a particular area. If drivers within a policyholder’s locale file claims less often than in order parts of the city, region or state, that policyholder will be offered lower prices as a reward and incentive to drive safely. Therefore, for drivers living in “safest” cities for driving such as Fort Collins and Boise, having a good claims history will more than likely mean lower auto insurance costs.
High Claim Areas
Motorists living within areas where drivers file more car insurance claims will therefore see higher rates. For example, drivers in Washington D.C. bear the brunt of the second-highest average car insurance premium in the whole nation. In 2010 the average cost of car insurance in D.C. was $1,128, representing a cost of $330 above the average for the rest of America.
Search for the best possible rate
Whether you live in one of the top safest or least safe cities for driving or somewhere in between, you will definitely want to ensure you are getting the best possible car insurance rate.
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