How low are auto insurance quotes in the safest US cities?


Insurance companies regularly analyze their statistics showing the frequency of collisions and identify where all the safest drivers live. Every year, Allstate publishes a list of the top 200 cities based on population, traffic density, and so on. The national average is that a driver is involved in an accident every 10 years. This year, Sioux Falls has headed the list again. The drivers in this slightly remote city manage to avoid crashing into each other for about 13.8 years. That’s more than 27.5% better than the national average. So what are the trends and how can we encourage drivers to be more patient and forgiving of others when they drive around cities?

The most detailed statistics have been collected since the end of World War II and this decade has seen the lowest number of deaths behind the wheel. The National Highway Traffic Safety Administration is not complacent. More than 32,000 deaths a year is still unacceptably high. Indeed, there’s cause for concern because the number of collisions is showing an increase. There are two factors at work here. The first is the improving design of vehicles. Sixty years we were driving relatively unsafe vehicles. Now people are more complacent because they believe they are more likely to walk away from a crash without serious injury. The second factor is “distraction”. More people are using their mobile technology to talk with and text to their friends instead of watching the road.

Cities enjoying the road safety and cheaper auto insurance

So where are the safest drivers who receive the lowest insurance rates? In the smaller cities, Sioux Falls has won this competition in five of the last eight years. In cities where there’s more than 1 million population, Phoenix drivers have an accident every 10.2 years. Sadly, the more people crowding around you on the roads, the more likely a collision. If you have the chance to move, check the list of safest cities and get a round of the local auto insurance quotes. May be it’s a sound decision move there…

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