The safest drivers in America in 2014

Allstate ranks 200 cities by how often they file collision claims. You're likely to go three times longer between fender benders in some cities.

By QuinStreet Aug 26, 2014 12:00PM

This post comes from Des Toups at partner site on MSN MoneyThe safest drivers in America, for the fourth year in a row, hail from Fort Collins, Colorado, according to the 10th annual “Allstate America’s Best Drivers Report.”

Businessman driving © Pixland, JupiterimagesDrivers in the city of 150,000 north of Denver can expect to go 14.2 years between accidents, according to the insurance giant’s claims data. Contrast that with 200th-ranked Worcester, Massachusetts, where drivers go just 4.3 years between claims.

On average, nationwide, drivers can expect a collision about every 10 years, Allstate says.

Claims frequency in a city or ZIP code is one of many factors as carriers calculate your car insurance rates – along with state laws and your driving record -- but it’s a big one.

A car owner with a clean record shopping for full coverage on a 2012 Honda Accord in Fort Collins, for example, would pay about $936 a year. In Denver, the same driver would pay about $1,221, according to an average of rates from six carriers gathered by

Here are the safest-driving cities in America, according to Allstate, along with the number of years a driver can expect to go between collision claims:

  1. Fort Collins, Colorado       14.2
  2. Brownsville, Texas           14.2
  3. Boise, Idaho                     14
  4. Kansas City, Kansas        12.9
  5. Huntsville, Alabama         12.6
  6. Montgomery, Alabama     12.4
  7. Visalia, California             12.4
  8. Laredo, Texas                  12.2
  9. Madison, Wisconsin          12.2
  10. Olathe, Kansas                 12.1

See the entire 200-city list, along with average car insurance rates for each city, at

For the first time, Allstate also included rankings that adjusted according to population density and precipitation. Kansas City, Missouri, ranks No. 1 if overall population is considered; factoring in rain and snow, Brownsville, Texas, rises to the top.

"A big part of our job at Allstate is to help our customers prevent bad things from happening,” says Mike Roche, executive vice president of claims. “Allstate is showing drivers that factors like population, a city’s density and precipitation may contribute to their driving safety.”

More from


Aug 26, 2014 4:11PM

We live in Fort Collins. The reason it's always ranked as the safest city is because everyone here drives 10 - 15 miles per hour UNDER the speed limit. Everywhere. Every day. Every time.


It may be very safe, but it can also be very frustrating : (

Aug 26, 2014 3:55PM
Massachusetts drivers are the worst in every category
Aug 26, 2014 4:11PM
It sucks in mexifornia, if I drive wrong, I get a ticket.....If I am a non-citizen, I get a pat on the head and discount insurance....
Aug 26, 2014 4:29PM
In boise anyway its because they time the traffic signals to make you stop at 
every one. then you wait so long that you travel in pacs of 50 to 100 vehicles all
trying to get around the drivers who should not have a license.
Aug 26, 2014 4:52PM

I once lived in Boise Idaho. 

If a driver's license plate started with: 1A, the drivers were usually good.

If a driver's license plate started with 2C, LOOK OUT!!!!!!!

This was not a fluke! I lived there "3" years, & it was the same EVERY time!

Believe it or not!? Heh!~

Aug 26, 2014 7:16PM

I'm sorry allstate but you are so wrong. even putting montgomery alabama on the list in 200th place would have been an error. I'm a truck driver i drive nation wide i live in montogomery,al. and i can tell you these are the worst drivers in the country. 95% are texting 24/7 99% drive in the wrong lane 96%

97% drive faster in school zones and residential areas than on the interstate and another 98% only see what is directly in front of them. as far as accidents go LOL they probably don't use your insurance. honestly i am ashamed to say i live around the worst drivers in the world. you want to rate good drivers you should ask the truckers around the country they see the truth not the propaganda

How odd, 30 years ago I had survived 5 years of motorcycle riding in Orlando, FL but got t-boned after one whole week in Huntsville, AL.  Of course the figures are only averages, but it is pretty ironic.  Now 30 years ago the drivers in Orlando weren't as bad as they are now.
Aug 26, 2014 4:19PM
You KNOW this whole article is a bunch of bull when Newark, NJ and Paterson, NJ are on the 200 city list !!!!
Aug 26, 2014 8:10PM
I think a more accurate  list would be if ALL insurance companies  or at least all major insurance companies were to combine their statistics together. Then we would have a better & more accurate outcome.   Any plan to do that?????
Aug 26, 2014 7:20PM
Sorry, folks, but JERSEY drivers are by far the WORST... in fact, whenever someone gets into an accident in Philly, it's invariably with a  JERSEY driver!!
Aug 26, 2014 7:39PM
The worst I have experienced was Florida....and I live in California!
Aug 26, 2014 6:46PM
I'm absolutely stunned that Montgomery , Alabama is here.   We were stationed there in the  A.F.  a few years ago.  As soon as you arrive the AF makes it a point to tell you that there is a saying for Montgomery  " The first person  driving after a red light ends is dead"  The locals keep driving after their green light ends worse than  7 other places we were stationed.  Also  we use to joke that  in the summer it would rain everyday at 3pm whether it needed it or not. The rain was so heavy you could barely see past the hood of your car.  The locals would keep driving at the same speed. The rest of us would pull off to a side street to wait it out. Or you soon learned not to be driving around that time.  While the locals were very nice , I can't say we were a fan of their driving habits.
Aug 27, 2014 10:25AM
Denver Colorado Safe? Bwah hahahahahahahahahaha. No one stops for stop signs here,  I was involved in a hit and run last year that I'm still recovering from, People don't look, Don't stop, and Don't care, Pedestrians are targets,  Three days ago in a local parking lot a crazed driver was honking his horn expecting me to get out of his way, and when I didn't move fast enough he headed right for me, and had I not pulled my firearm forcing him to change his mind (no I didn't fire) I'd be a statistic in the morgue, So don't try and tell me how safe Denver is, it's Bull crap.... 
Aug 26, 2014 8:15PM
This report is flawed?  It does not take into account traffic density?  The number of miles each vehicle traveled?  
Aug 26, 2014 7:02PM
If our record has us that high in the standing, other places scare me. I record accident data to share with the legislature every year on where we are failing to meet certain safety standards, the major one being inattentive driving.
Aug 26, 2014 4:06PM
It is not that they are safer drivers; the population is lower in these areas..hello! LOL

Aug 26, 2014 6:29PM
sorry folks, I've driven in Kansas City often and you better watch your butt or you'll get creamed. 
Aug 26, 2014 5:48PM

The top 10 safest driver cities all have a similar demographic characteristic -

and the worst cities all too....have a common thread.

Detroit, Atlanta, Philadelphia, Newark, Washington, DC, New Orleans, etc. ---you know the rest of the story!!

Aug 28, 2014 7:15PM
Lies, damn lies and statistics!

My favorite professor said,  "remember this, if you have  your head in an oven and your feet in a freezer,  a statistician will tell you that, on average, you're comfortable.

Bill Gates walks into a bar and, on average, everyone in there is now a multi- millionaire.

Lies, damn lies, and statistics

Please help us to maintain a healthy and vibrant community by reporting any illegal or inappropriate behavior. If you believe a message violates theCode of Conductplease use this form to notify the moderators. They will investigate your report and take appropriate action. If necessary, they report all illegal activity to the proper authorities.
100 character limit
Are you sure you want to delete this comment?


Copyright © 2014 Microsoft. All rights reserved.

Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.

How much to insure that car?

Check out rates for more than 850 vehicles.

Step 1
Step 2
Vehicle make
Vehicle model