Urban Areas With the Riskiest Motorists - Potential Costs You Might Incur
In a recent report by Allstate, the cities in the United States with the highest risks for drivers have been revealed. The 10 most dangerous metros for drivers, according to the 2025 America's Best Drivers Report, are Boston, Massachusetts, Washington, D.C., Baltimore, Maryland, Worcester, Massachusetts, Springfield, Massachusetts, Glendale, California, Los Angeles, California, Oakland, California, Providence, Rhode Island, and Philadelphia, Pennsylvania.
These cities, particularly those on the East and West Coasts, show a stronger increase in drivers from other states, implying higher accident risks. Nashville, Colorado Springs, Las Vegas, Austin, and San Antonio also made the list due to their elevated risks of collision.
Insurance providers monitor driving habits for one to three months to determine a score based on riskier driving behaviors such as speeding, erratic stops, and acceleration bursts. Less driving at night and obeying speed limits are factors that can help lower this score and potentially lead to significant discounts on car insurance.
Many insurance companies offer discounts if you download their app or use their device to monitor your driving behaviors, a practice known as telematics. Installing a dash cam on your car can also be beneficial, as it can make it easier for insurance companies to process claims in the event of a collision or property damage. While a dash cam won't reduce car insurance costs, it can help expedite claims and provide video evidence in case of an accident, especially if you didn't cause the accident.
One way to potentially lower car insurance rates is to shop around for options a few weeks before the policy renews. Comparing options quickly using tools like the Bankrate tool can help you find the best plan and rates.
Regardless of the concentration of dangerous drivers in your city, installing a dash cam on your car can be beneficial. In high-risk areas, it can provide even more benefits by making it easier for insurance companies to process claims and potentially saving you significantly in cases where you didn't cause the accident.
By adopting lower risk driving behaviors and shopping around for car insurance regularly, you can find the best plan and rates to suit your needs.
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