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Top 10 Safest Driving Cities

Written by Michele Wilmonen. Posted in Research Last Updated: 09/29/2012

It’s always nice to know which cities are the safest to drive in and which ones you need to have the defenses up for.

Safest driving cities

Did your city make the list of safest driving cities?

Every time I write an article like this, I feel like I may be starting some underlying rivalry between cities. But in my defense, I am just relaying information to my readers that was released by someone else, so please don’t nasty comment the messenger to death (insert polite laughter here).

Our safest driver list comes to you from Allstate Insurance; which makes sense. If anyone would know how many accidents occur in each city it would be an insurance company.

How Did Allstate Calculate the Safest Cities to Drive In

Because Allstate did such a great job explaining what they did, I am just going to share that:

“For the past eight years, Allstate actuaries have conducted an in-depth analysis of company claims data to determine the likelihood drivers in America’s 200 largest cities will experience a vehicle collision compared to the national average. Internal property damage reported claims were analyzed over a two-year period (from January 2009 to December 2010) to ensure the findings would not be impacted by external influences such as weather or road construction.

A weighted average of the two-year numbers determined the annual percentages. The report defines an auto crash as any collision resulting in a property damage claim. Allstate’s auto policies represent about 10 percent of all U.S. auto policies, making this report a realistic snapshot of what’s happening on America’s roadways.” (http://www.allstatenewsroom.com)

In other words, Allstate looked at their own claims records and took the average of collisions in the largest 200 cities to get their data. So take it with a grain of salt, because this is just from Allstate’s data. If another insurance company like GEICO or The Hartford did the same thing, they may come up with a completely different list.

Safest Cities to Drive In (Per Allstate)

  1. Sioux Falls, SD
  2. Boise, ID
  3. Fort Collins, CO
  4. Madison, WI
  5. Lincoln, NB
  6. Huntsville, AL
  7. Chandler, AZ
  8. Reno, NV
  9. Knoxville, TN
  10. Springfield, MO

In all honesty, out of the ten cities listed here, I have only been to Boise. Compared to other places I have lived and travelled to, driving in Boise isn’t all that bad. I guess I was still surprised to see it make the list of safest cities to drive in though.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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