Since car insurance premiums depend partially on local factors such as crash statistics and cost of living, moving to a different ZIP code even within your own state can affect your car insurance premium drastically, except in Michigan and California, which do not allow insurance companies to use ZIP codes as a rating factor. Michigan sets an example for safe driving. Comparison shopping should be easy. Disclaimer: USInsuranceAgents.com strives to present the most up-to-date and comprehensive information on saving money on insurance possible. The table below outlines the average cost of full coverage car insurance by state. Its estimated that seat belts saved 374,276 lives from 1975 to 2017. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. , drunk drivers were responsible for 19% of fatal auto accidents across the country in 2019. Most drivers understand the value of buckling up, demonstrated by the fact that the national use rate of seat belts was 91.6% in 2022. Arkansas$33$76 Insurifys data scientists compared the number of drivers with at least one at-fault violation on record (including accidents, DUIs, failures to stop, speeding, reckless driving, passing violations, and other citations for illegal driving behavior) to the total number of drivers applying for car insurance in each state. Our goal is to be an objective, third-party resource for everything auto insurance related. DC has some of the best drivers in the country, study says - wusa9.com Drivers in these ten states are the most respectful of traffic laws, making them the best, safest drivers in the nation. This table shows how average auto insurance rates vary with each driving offense: Average Annual Auto Insurance Rates by Driving Record The information, statistics, and data visualizations on this page are free to use, we just ask that you attribute any full or partial use to Insurify with a link to this page. According to the National Highway Traffic Safety Association (NHTSA), the most common bad drivers speed, drive recklessly, and fail to maintain their lane or yield to other drivers and pedestrians. Share of drivers with a clean record: 83.79%, Total number of licensed drivers (2019): 2,054,421. New Jersey is home to the U.S.s best drivers, receiving the highest score for Safe Driving Choices and having the highest percentage of drivers with insurance (96.9%). Utah ranks in the top 10 best states for safety, driving quality and weather. Now, if we were going off traffic alone, Massachusetts ranked the lowest, but we'll cut them some slack because they landed the fourth slot for safetythat's obviously very important. ProgressiveUp to 31% with no accidents or tickets in last three years Tied in ranking with Texas, South Carolina is seventh on the list of states with the worst drivers. The most expensive state for gas is usually California, with prices reaching $4.39 per gallon. All insurance rates, products, and services are presented without warranty and guarantee. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The state also has one of the highest rates of seatbelt use in the U.S. and one of the lowest rates of traffic fatalities. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Cheaper rates are only a click away! Obviously, not everyone who lives in one of the states with the worst drivers is actually a bad driver, but its something to keep in mind when youre out on the road. What happens after an auto accident without insurance? Also, they are ranked 11th when it comes to the highest number of vehicle-related fatalities. Bankrate.com is an independent, advertising-supported publisher and comparison service. For example, drivers in states with fewer traffic fatalities and more insured drivers are less likely to file a claim. states with the cheapest auto insurance rates. Arkansas - Share of drivers with a clean record: 82.33%, Share of drivers with a clean record: 82.33%, Total number of licensed drivers (2019): 2,153,929, Most common driving infraction: At-fault accidents. Six of the ten states with the best drivers in 2021 also made Insurifys rankings of the states with the best drivers in 2020. You could Youll also see your auto insurance rates increase after an accident if you dont carry uninsured motorist protection. Alaska ranks sixth for the highest in driving-related fatalities. Idaho7. West Virginia - Share of drivers with a clean record: 82.62%, 9. All providers discussed on our site are vetted based on the value they provide. Heres what we found. Ohio9. Insurance companies often offer cheaper auto insurance rates for this reduced risk. The States with the Best Drivers in 2022. When evaluating rates, please verify directly with your insurance company or agent. Whether youre behind the wheel or riding as a passenger, the small act of using a safety belt can save your life in an accident. California1. Alaska$45$86 Interestingly, while Florida drivers exhibit some of the safest driving behaviors, they also pay the second-most expensive auto insurance premiums in the nation, according to Insurifys 2020 report. Hawaii was found to be the worst state for driving in 2022. Best Drivers by State (2023) | AutoInsurance.org After coming in fourth for 2020s rankings, drivers in Nevada have undeniably remained committed to safe driving practices in 2021. Nevada - Share of drivers with a clean record: 87.12%. Statistically speaking, the more miles a person drives, the more likely they are to get in an accident. Utah and California are the worst driving states; Rhode Island drivers got in more accidents than any other state while Michigan had the least. Gas prices frequently fluctuate due to global events, but on average, states with better access to oil refineries and lower taxes typically have lower gas prices across the board. Still, you can also add collision and comprehensive coverage to protect your vehicle and passengers in case of an accident. We analyzed the following data sources to reach our final rankings: Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Nebraska$30$69 Illinois$37$74 Safe Habits: By examining distracted driving and unrestrained fatalities, this ranking reflects safe-driving practices such as avoiding distracted driving and using seat belts. Despite this good news, New Jersey's auto insurance rates are among the nation's highest. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. South Carolina comes in at number one for highest in driving-related fatalities. Each dataset fits into one of the following four categories. If you care most about getting cheap car insurance, you may want to check out companies like Geico and Amica. 2023 Bankrate, LLC. The Lone Star State is a standout, not just in terms of having among the best drivers nationwide, but for having some of the soberest motorists. this post may contain references to products from our partners. The residents of Florida have the lowest rate of insured drivers at 73.3%. Studies find states, cities, car brands with safest, worst drivers Louisiana$65$117 Next, we considered how many auto deaths occurred per 100,000 persons to find an accurate representation based on the states population size. It has the second highest number of fatalities per 100 million vehicle miles. Maryland$51$93 Figure out funding for your next car or refinance with confidence. According to our research, Ohio is the best state for drivers. On average, full coverage car insurance in Iowa costs $467 less per year than the national average. New Hampshire$33$68 It's no MVP, but it's progress. The state has a high urban congestion rate, and its infrastructure quality ranks worse than in 40 other states. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site. Average cost of full coverage car insurance by state. From distracted driving to driving under the influence, there are a variety of ways that our driving can quickly go from good to bad. 1. When it comes to states with worst drivers, Utah sees the most dangerous driving behavior, followed by Georgia, California, Alabama and Texas. However, its clear West Virginian drivers have earned their title this year, with five percent more drivers than average reporting a clean record. Rhode Island5. Interestingly, auto insurance in Nevada is not cheap a report from Insurify found that Nevadan drivers pay the sixth-most expensive auto insurance rates in the nation. Maryland3. Hawaii has the least fatal traffic accidents on this list, but Massachusetts has the fewest auto accident fatalities per capita in the U.S. StateNumber of Fatal Traffic Deaths per YearNumber of Deaths per 100,000 PeopleNumber of Deaths per 100 Million Vehicle Miles DrivenNumber of Fatal Accidents on an ExpresswayPercentage of Uninsured Drivers Laura serviced existing business and wrote new business. Bankrate follows a strict The more quotes you compare, the more chances to save. Home equity is the portion of your home youve paid off. Hawaii and Minnesota have the highest rate of uninsured drivers, but its still much less than the national average of 12.6%. Our insurance industry partnerships dont influence our content. We do not guarantee favorable reviews or any coverage at all in exchange for compensation. This state ranks at number nine with over 1/5th of their drivers being uninsured. Ultimately, you'll be responsible for damage to your car if the person youve collided with doesnt have protection. There are approximately 229 million licensed drivers in the United States, but the driving conditions in each state are far from equal. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Share of drivers with a clean record: 82.62%, Total number of licensed drivers (2019): 1,130,389. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. process and giving people confidence in which actions to take next. Hawaii and Minnesota have the highest rate of uninsured drivers, but it's still much less than the national average of 12.6%. On average, 11 people get killed in an auto accident for every 100,000 people in the country. A state like Texas, which holds 31% of the countrys oil refining capacity, has better access to fuel than a state like California, which has limited pipeline access due to its location behind the Rocky Mountains. We discuss strategies for promoting safer driving habits and offer tips for staying safe on the road. You learn a lot from her, and at the end of the day she's the icon of the game, the G.O.A.T. Hawaii855.9.9709.3% Tied in ranking with South Carolina, Texas has four DUI arrests per every thousand. Connecticut2958.2.99206.3% Share of drivers with a clean record: 82.67%, Total number of licensed drivers (2019): 3,435,168. Texas and Mississippi typically have the cheapest gas, with prices averaging $2.82 per gallon. Oklahoma$38$84 Comparison shopping should be easy. Not only does Michigan rank first in the nation for having the best drivers, but also for the most expensive auto insurance premiums in the nation. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). 10. Compare car insurance quotes in Florida with Insurify to get cheaper premium options ASAP. New Jerseys rate of law-abiding drivers goes to show that regional stereotypes do not necessarily ring true when confronted with the data. All Rights Reserved. Michigan$66$114 They focus on the points consumers care about most price, customer service, policy features and savings opportunities so you can feel confident about which provider is right for you. On any road, you will likely encounter your fair share of good and bad drivers. Caution on the roads is paramount. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Sara East is a freelance writer and content marketing professional based in Reno, NV. Nevada$57$92 Getting cheaper auto insurance quotes in South Carolina is as easy as clicking a button. With only 80% of drivers insured, and a rate of three DUI arrests per 1,000, Tennessee is next on the list of states with the worst drivers. This may come as a surprise to some whove experienced the infamous Jersey Turnpike, but New Jerseys drivers are in fact the fifth-best in the country. Seattle An annual report released this week has analyzed data from over 10 million car insurance quotes from drivers across the country to determine the best and worst driving states. Which States Have the Best and Worst Drivers? | The Simple Dollar Mississippi. For more information, please see our When evaluating rates, please verify directly with your insurance company or agent. What is the list of the top 10 states with the worst drivers? Drivers dont wear seat belts in nearly half 42.6% of fatal car accidents across the country. Michigan, the number one state in last years rankings, held onto its position in 2021. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. What are the common traits of bad drivers? In January 2021, Minnesota received a ranking indicating it was the state with the best drivers in the United States. The state has the fewest bridges in poor condition, relatively few traffic fatalities per year, and residents spend fewer hours in commuter congestion than in 44 other states. Tying New Jersey in the fourth place slot is the Buckeye State, where drivers tackle roadway conditions ranging from rural highways to busy city streets. Texas$44$92 Here are how the states with the best drivers compare: Utah has the lowest rate of fatalities caused by drunk drivers in the country. Factoring in accidents, speeding tickets, DUIs, and citations the same criteria as was used for the worst drivers list the states with the best drivers appear as follows: If you live in one of these states, you may pay less for your car insurance than others, since insurance companies take these factors into account when setting rates. According to our research, the worst states for drivers are also some of the most expensive states for purchasing car insurance. Florida. STANTON, Calif. (KABC) -- Three Orange County men are behind bars for the killing of a pizza delivery driver who tried to intervene in the beating of an elderly man. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. New Mexico and South Carolina have the second and third-worst drivers overall, with the former receiving the lowest Safe Driving Habits score and the latter receiving the lowest Safe Driving Choices score in the country. West Virginia$41$85 The best drivers live in these states, research shows Pennsylvania$42$81 The Garden State actually moved up from ninth in last years rankings to fifth this year, holding a six percent lead above the national average for its share of clean driving records. Insurance companies reward safe drivers with discounts and reduced rates for remaining accident-free. Below, you can find our full data set table, where we include each state's individual score for each of these categories, as well as its overall Best Driver score, population and vehicle miles traveled. The information on this site does not modify any insurance policy terms in any way. Choose the best home insurance company for you. Regional driving behavior remains consistent. Published March 10, 2022 | Reading time: 7 minutes. Enter your ZIP code and get a free quote today. New Mexico. Friday, June 30: Before 10 a.m. or after 6 p.m . National averages. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Do states with the best drivers have lower traffic fatality rates? To create our list of the best states for drivers, Expertise.com compared all 50 states based on 17 metrics, divided in three subcategories: Safety, Car Ownership and Repair Costs, and Traffic and Infrastructure Conditions. Personal finance website WalletHub crunched some numbers and ranked every US state by its friendliness to drivers in the year 2021. In terms of cost, Indiana drivers pay an average of $420 less per year than the national average for full coverage car insurance. Michigan - Share of drivers with a clean record: 88.16%. Drivers in New Hampshire are 20% more likely not to wear a seat belt and be involved in a fatal car accident. Be safe! Montana has the worst drivers in the country. Score: 100 out of 100. Michigan, the reigning champion from 2020, maintains its position as the number one state in the nation with the best drivers.
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states with the best drivers
