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Safest drivers: Cities ranked

Des Toups

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CarInsurance.com

America's Best Drivers ReportFor the third time, Fort Collins, Colo., is the safest of America’s 200 largest cities to drive in, according to the number-crunchers at Allstate.

Their “America’s Best Drivers Report,” released Tuesday, analyzed collision claims filed with the nation’s second-largest insurer to predict the frequency of accidents in each city. For example, the typical driver in Fort Collins will have a collision every 13.9 years, about 28 percent less often than the average driver nationwide.

Contrast that with, say, No. 189 on the list, Philadelphia, where the typical driver can expect an accident every six years.

Your fellow drivers influence your car insurance rates, no matter where you live, because the number of claims in your ZIP code is a prime indicator of risk. The average full-coverage premium on a 2012 Honda Accord in Fort Collins is $904, using an average of rates from six national carriers. In Philadelphia, it’s $2,818.

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Of course, state requirements affect your rates, too, and so do the numbers of car thefts and fraud incidents.

The entire list is below; Allstate combined data for several cities, each marked with an asterisk. Follow the link on any city to see a map of car insurance rates by ZIP code in that area.

RankCityStatePopulationYears/accidents% more/less likely
1 Fort Collins CO 148,612 13.9 -28.2%
2 Boise ID 212,303 13.9 -28.0%
3 Sioux Falls SD 159,908 12.8 -21.8%
4 Brownsville TX 180,097 12.7 -21.1%
5 Madison WI 240,323 12.5 -20.3%
6 Reno NV 231,027 12.5 -20.2%
7 Huntsville AL 183,739 12.5 -20.1%
8 Visalia CA 127,081 12.3 -18.5%
9 Montgomery AL 205,293 11.9 -16.3%
10 Eugene OR 157,986 11.9 -16.2%
11 Mesa AZ 452,084 11.9 -15.7%
12 Knoxville TN 182,200 11.8 -15.6%
13 Kansas City MO 464,310 11.8 -15.1%
14 Olathe KS 130,045 11.8 -14.9%
15 Colorado Springs CO 431,834 11.7 -14.7%
16 Cedar Rapids IA 128,119 11.7 -14.5%
17 Kansas City KS 147,268 11.6 -13.8%
18 Overland Park KS 178,919 11.5 -12.8%
19 Lincoln NE 265,404 11.4 -12.6%
20 Tucson AZ 524,295 11.4 -12.4%
21 Birmingham AL 212,038 11.3 -11.6%
22 Tempe AZ 166,842 11.3 -11.5%
23 Milwaukee WI 598,916 11.3 -11.5%
24 Mobile AL 194,822 11.3 -11.3%
25 Des Moines IA 206,688 11.2 -10.9%
26 Springfield MO 162,191 11.2 -10.6%
27 Wichita KS 385,577 11.2 -10.4%
28 Rockford IL 150,843 11.2 -10.3%
29 Gilbert AZ 221,140 11.1 -10.2%
30 Laredo TX 244,731 11.1 -9.7%
31 Chattanooga TN 171,279 11.1 -9.6%
32 Fort Wayne IN 254,555 11.1 -9.6%
33 Topeka KS 127,939 11 -9.3%
34 Dayton OH 141,359 11 -9.3%
35 Chandler AZ 245,628 11 -8.8%
36 McAllen TX 134,719 10.8 -7.7%
37 Cary NC 145,693 10.8 -7.6%
38 Winston Salem NC 234,349 10.8 -7.6%
39 Omaha NE 421,570 10.8 -7.5%
40 Cape Coral FL 161,248 10.6 -5.8%
41 Amarillo TX 195,250 10.5 -5.2%
42 Port Saint Lucie FL 168,716 10.5 -4.8%
43 Fayetteville NC 202,103 10.4 -4.3%
44 Scottsdale AZ 223,514 10.4 -3.9%
45 Spokane WA 209,525 10.3 -3.3%
46 Salinas CA 154,484 10.3 -3.3%
47 Joliet IL 148,268 10.3 -3.2%
48 Lexington KY 305,489 10.3 -2.6%
49 Glendale AZ 232,143 10.2 -2.4%
50 Lubbock TX 236,065 10.2 -2.1%
51 Hampton VA 136,836 10.2 -1.7%
52 Akron OH 198,549 10.2 -1.6%
53 St. Paul MN 290,770 10.1 -1.4%
54 Peoria AZ 159,789 10.1 -1.2%
55 Richmond VA 210,309 10.1 -1.2%
56 Bakersfield CA 358,597 10.1 -1.0%
57 Fresno CA 505,882 10.1 -0.8%
58 Cleveland OH 390,928 10.1 -0.8%
59 Henderson NV 265,679 10.1 -0.5%
60 Palmdale CA 155,650 10 -0.2%
61 Lancaster CA 159,055 10 -0.1%
62 Grand Rapids MI 190,411 10 0.2%
63 Salt Lake City, West Valley City* UT 321,748 10 0.3%
64 Denver & Lakewood* CO 779,781 10 0.4%
65 Corpus Christi TX 312,195 9.9 1.1%
66 Minneapolis MN 392,880 9.9 1.2%
67 Tallahassee FL 186,971 9.8 1.8%
68 Greensboro NC 277,080 9.8 1.8%
69 Clarksville TN 142,519 9.8 1.8%
70 Aurora CO 339,030 9.8 2.0%
71 Phoenix AZ 1,488,750 9.8 2.0%
72 Thousand Oaks CA 128,412 9.8 2.4%
73 Jacksonville FL 836,507 9.7 2.6%
74 Fontana CA 201,812 9.7 2.6%
75 Indianapolis IN 834,852 9.7 2.8%
76 El Paso TX 672,538 9.7 3.0%
77 Salem OR 157,429 9.7 3.3%
78 Toledo OH 284,012 9.7 3.3%
79 St. Petersburg FL 246,541 9.7 3.3%
80 Nashville TN 624,496 9.7 3.5%
81 Oklahoma City OK 599,199 9.6 4.4%
82 Vancouver WA 165,489 9.5 4.9%
83 St. Louis MO 318,172 9.5 5.1%
84 Memphis TN 655,155 9.5 5.1%
85 Raleigh NC 423,179 9.5 5.1%
86 Chula Vista CA 252,422 9.5 5.2%
87 Chesapeake VA 228,417 9.5 5.2%
88 Augusta GA 197,872 9.5 5.2%
89 Durham NC 239,358 9.5 5.2%
90 Modesto CA 203,547 9.5 5.3%
91 Louisville KY 605,110 9.5 5.5%
92 Jackson MS 175,437 9.4 5.9%
93 Shreveport LA 201,867 9.4 6.1%
94 San Bernardino CA 213,295 9.4 6.3%
95 Newport News VA 180,726 9.4 6.4%
96 Aurora IL 199,932 9.4 6.4%
97 Columbus GA 198,413 9.4 6.9%
98 Rancho Cucamonga CA 170,746 9.3 7.0%
99 Escondido CA 147,575 9.3 7.3%
100 Tulsa OK 393,987 9.3 7.4%
101 Detroit MI 701,475 9.3 7.8%
102 Oxnard CA 201,555 9.2 8.1%
103 Santa Clarita CA 179,013 9.2 8.3%
104 Waco TX 127,018 9.2 8.4%
105 Santa Rosa CA 170,685 9.2 8.6%
106 Naperville IL 143,684 9.2 8.8%
107 Pasadena TX 152,272 9.2 9.1%
108 Ontario CA 167,211 9.1 9.9%
109 Stockton CA 297,984 9.1 9.9%
110 Riverside CA 313,673 9.1 10.1%
111 Elk Grove CA 159,038 9.1 10.1%
112 Little Rock AR 196,537 9.1 10.3%
113 Moreno Valley CA 199,552 9 10.7%
114 Pomona CA 150,812 9 10.9%
115 Cincinnati OH 296,550 9 11.5%
116 Syracuse NY 144,170 9 11.6%
117 Huntington Beach CA 194,708 8.9 11.8%
118 North Las Vegas NV 223,491 8.9 12.0%
119 Corona CA 158,391 8.9 12.4%
120 Savannah GA 142,022 8.9 12.4%
121 Albuquerque NM 555,417 8.9 12.6%
122 Orange CA 139,419 8.8 13.6%
123 Charlotte NC 775,202 8.8 13.6%
124 Oceanside CA 171,293 8.8 14.0%
125 Warren MI 134,141 8.8 14.0%
126 Sacramento CA 475,516 8.7 14.4%
127 San Diego CA 1,338,348 8.7 14.6%
128 Honolulu HI 345,610 8.7 14.9%
129 Killeen TX 134,654 8.7 14.9%
130 Las Vegas NV 596,424 8.7 15.2%
131 Rochester NY 210,532 8.7 15.2%
132 Anchorage AK 298,610 8.7 15.3%
133 Long Beach CA 467,892 8.6 15.8%
134 Hayward CA 149,392 8.5 17.5%
135 Santa Ana CA 330,920 8.5 17.6%
136 Virginia Beach VA 447,021 8.4 19.8%
137 Columbia SC 131,686 8.3 20.5%
138 Fort Worth TX 777,992 8.3 20.6%
139 Columbus OH 809,798 8.3 21.1%
140 Buffalo NY 259,384 8.2 21.8%
141 San Antonio TX 1,382,951 8.2 22.4%
142 Anaheim CA 343,248 8.1 23.4%
143 Baton Rouge LA 230,058 8.1 23.8%
144 Tacoma WA 202,010 8.1 23.9%
145 San Jose CA 982,765 8.1 23.9%
146 Sunnyvale CA 146,197 8.1 24.0%
147 Fremont CA 221,986 8.1 24.2%
148 Fort Lauderdale FL 170,747 8 25.1%
149 Irvine CA 229,985 8 25.2%
150 Chicago IL 2,714,856 8 25.2%
151 Houston TX 2,160,821 8 25.6%
152 Frisco TX 128,176 7.9 25.9%
153 Orlando FL 249,562 7.9 26.0%
154 Portland OR 603,106 7.9 26.5%
155 Austin TX 842,592 7.8 27.5%
156 New Orleans LA 369,250 7.8 28.1%
157 Norfolk VA 245,782 7.8 28.1%
158 Plano TX 272,068 7.8 28.5%
159 McKinney TX 143,223 7.8 28.7%
160 Seattle WA 634,535 7.8 28.8%
161 Irving TX 225,427 7.7 29.9%
162 Grand Prairie TX 181,824 7.7 30.2%
163 Sterling Heights MI 130,410 7.7 30.5%
164 Atlanta GA 443,775 7.7 30.6%
165 Pasadena CA 138,547 7.6 31.2%
166 Mesquite TX 143,195 7.6 31.2%
167 Garden Grove CA 174,389 7.6 31.7%
168 Hollywood, Pembroke Pines, Miramar* FL 434,271 7.6 31.8%
169 Torrance CA 147,027 7.5 33.2%
170 Dallas TX 1,241,162 7.4 35.6%
171 Arlington** TX 375,600 7.4 35.9%
172 New York NY 8,336,697 7.3 37.8%
173 Pittsburgh PA 306,211 7.2 38.2%
174 Yonkers NY 198,449 7.2 38.6%
175 Oakland CA 400,740 7.2 38.8%
176 Tampa FL 347,645 7 42.1%
177 Fullerton CA 138,574 7 42.5%
178 Jersey City NJ 254,441 6.9 45.2%
179 Garland TX 233,564 6.8 46.2%
180 Paterson NJ 145,219 6.8 47.2%
181 Los Angeles CA 3,857,799 6.7 49.3%
182 Newark NJ 277,727 6.7 49.4%
183 New Haven CT 130,741 6.7 49.6%
184 Bridgeport CT 146,425 6.7 49.8%
185 Arlington VA 221,045 6.7 49.9%
186 San Francisco CA 825,863 6.5 53.6%
187 Miami FL 413,892 6.3 59.4%
188 Alexandria VA 146,294 6.2 61.9%
189 Philadelphia PA 1,547,607 6 65.9%
190 Glendale CA 194,478 5.7 75.6%
191 Hialeah FL 231,941 5.6 78.7%
192 Providence RI 178,432 5.4 85.5%
193 Baltimore MD 621,342 5.4 86.1%
194 Washington DC 632,323 4.8 109.3%

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