Driving in the big city may be hazardous to your health. That's one of the main findings of the 2015 Allstate America's Best Drivers Report.
Kansas City, Kansas, leads the rankings for the city with the safest drivers for the first time in the study's 11-year history. Like the other 10 safest cities scattered across the Midwest, South and West, you're far less likely to get in a car crash if you live in Kansas City than if you live in a major city in the Northeast or along the West Coast.
Seeking the safest roadways
The Allstate report examines the frequency of reported auto accidents among Allstate customers in the 200 largest U.S. cities. On average, a driver in the U.S. is involved in a crash every 10 years. But if you live in Kansas City, you're likely to be involved in a crash every 13.3 years.
That's a sharp contrast to Boston, which ranks dead last in the report. There, you can expect to be involved in a wreck every 3.9 years.
All of the top-ranked cities in the Allstate report have populations of 250,000 or less. Kansas City has a population of almost 150,000 and is the only one of the 10 safest cities located in a major metro area.
Kansas City has been on an upward trajectory in this study. It jumped from 17th place in 2013 to fourth place in 2014 before taking over first place this year. It ousted Fort Collins, Colorado, which held the top spot the previous two years. Fort Collins came in fourth in the current report.
Here are the top 10 cities in the Allstate report, along with their average years between accidents, their citizens' likelihood to experience an accident relative to the national average, and their ranking in last year's study.
You can also see the list of all 200 cities in the Allstate report here.
1. Kansas City, KA
2. Brownsville, TX
3. Boise, ID
4. Fort Collins, CO
5. Cape Coral, FL
6. Madison, WI
7. Cedar Rapids, IA
8. Laredo, TX
9. Hunstville, AL
10. Cary, NC
Now here are the worst 10 cities in the Allstate report, along with their average years between accidents, their citizens' likelihood to experience an accident relative to the national average, and their ranking in last year's study.
191. Los Angeles, CA
192. Philadelphia, PA
193. San Francisco, CA
194. Glendale, CA
195. Providence, RI
196. Springfield, MA
197. Washington, DC
198. Baltimore, MD
199. Worcester, MA
200. Boston, MA
Live among dangerous drivers? It's probably raising your insurance
Where you live comes into play when insurers are setting your auto insurance rates. Insurers look closely at the frequency of auto accidents, thefts and vandalism in your ZIP code to determine what you'll pay each month.
An analysis by sister site CarInsurance.com found that a ZIP code in Detroit has the highest auto insurance rates in the nation, followed by one in Brooklyn. ZIP codes in Philadelphia and Providence ranked third and fourth, respectively -- two cities that landed near the bottom of Allstate's report.
A ZIP code in Boise, Idaho, had one of the lowest premiums. Boise is the third-safest city in Allstate's report.
This doesn't mean that every insurer prices their policies the same way, however. If you suspect you're getting a worse deal than your neighbors, it may be worth your while to compare auto insurance rates to make sure you're getting a fair price given your driving history, zip code and vehicle model.