Study Ranks 10 Safest, Most Dangerous Cities for Drivers

Jan 25, 2017 By:

Do you live in one of the following cities? If so, you’re either among the safest or most dangerous drivers in the country. And your safety isn’t the only thing at stake.


According to a 2016 analysis by NerdWallet, drivers in the most dangerous cities are paying an average of 47 percent more for annual car insurance premiums—$1,721 annually, compared to $1,169 annually in the safest cities. In Detroit, MI, the most dangerous city, drivers pay 642 percent more, on average, for car insurance than in the safest place, Cary, NC.


To determine the most dangerous and safest cities, NerdWallet examined data for the nation’s 200 biggest cities to find a score based on five metrics: the rate of fatal crashes, the likelihood of an accident relative to other cities, the number of years between accidents, the risk of auto break-in and the risk of having a vehicle stolen. The total scores were compared based on those metrics with the auto insurance rates in each city.

One of the factors that the most dangerous cities have in common is a large population. The 20 most dangerous cities have an average population of 488,710, according to NerdWallet, which is more than double that of the safest cities. In addition, drivers face higher risks in cities in the South and East Coast. The safest cities tend to be in the Midwest and West.


10 Most Dangerous Cities 

  1. Detroit, MI
  2. Baton Rouge, LA
  3. Baltimore, MD
  4. Springfield, MA
  5. San Bernardino, CA
  6. New Orleans, LA
  7. Atlanta, GA
  8. New Haven, CT
  9. Dallas, TX
  10. Worcester, MA

10 Safest Cities 

  1. Cary, NC
  2. Boise, ID
  3. Fort Collins, CO
  4. Naperville, IL
  5. Santa Clarita, CA
  6. Overland Park, KS
  7. Gilbert, AZ
  8. Aurora, IL
  9. Madison, WI
  10. Olathe, KS