Safest and Most Dangerous Commuter Cities

Every year, Allstate Insurance compiles its America’s Best Drivers Report, which uses auto insurance claims data to assess the frequency of car crashes in the country’s 200 largest cities. As CBS News notes, Allstate factors in important data like traffic volume, city population and weather conditions when determining its ratings.

And the Winners Are…

Drivers from Fort Collins, Colorado, can take a well-deserved bow. According to the Allstate report, it is the safest city in the country for driving a vehicle. Drivers there are 28.2 percent less likely to have an accident than the national average. This equates to one accident every 14 years or so. Boise, Idaho came in second. Rounding out the top five were Sioux Falls, South Dakota; Brownsville, Texas; and Madison, Wisconsin.

The Bottom Five

The bottom portions of lists like these tend to get a lot of attention from drivers who are hoping their beloved cities didn’t make the list. The Allstate Report found that Worcester, Massachusetts, came in dead last with the average driver getting into a car accident every four years — a whopping 135 percent more than the national average. Providence, Rhode Island, came in at number 196, followed by Springfield, Massachusetts; Washington, D.C.; and Boston, Massachusetts, at 199.

Insurances’ Affect

Driving and commuter cities


Auto crashes are not the only way to rate which cities and states are the safest for commuters. Some states have higher percentages of drivers with insurance. This means if you are involved in an auto accident that is not your fault, you have a better chance of having your damage covered. After taking a close look at the numbers, WalletHub ranked the 50 states plus Washington D.C. and determined that Maine, North Dakota and New York were the safest states in which to drive, in regard to insurance coverage. On the other hand, New Mexico, Oklahoma and Florida, were found to be the riskiest states.

Stay Safe

While these statistics help to paint a picture of which states have safe drivers and which do not, it does not mean that you will automatically be accident free in Wisconsin or guaranteed to find trouble on the road in Florida. By following some basic safety tips and guidelines, you will help reduce your risk of being in an auto accident. A great way to start is by refreshing your memory about basic driving laws. For example, while the Allstate Report found that Gilbert and Mesa, Arizona ranked 20 and 22 on the list for safe cities, Phoenix was much farther down at 79.

Drivers from the Valley of the Sun can visit and look up the driving practice test for Arizona. By re-reading through the driving laws it can refresh your memory about safety and the importance of staying calm while behind the wheel. The Department of Motor Vehicles has also compiled a very helpful list of safety tips. While the list was technically written for new teen drivers, the information applies to drivers of all ages. The tips include:

  • Keep your cellphone out of reach and never text while driving.
  • Keep your headlights on, even when it’s bright and sunny out. It’ll help make your vehicle more visible to others.
  • Stick to the speed limit even when you are running late and the road seems fairly empty.


  1. No city is safe if you don’t follow proper safety guidelines.