These Cities Have the Most Dangerous Drivers — and It Could Cost You
A new list shows the cities where you're most likely to encounter collisions, making it a dangerous place to drive.

Driving can be a riveting adventure: Crank the volume and enjoy the freedom and serenity of the open road. But that joy can be short-lived, especially if you share the road with dangerous drivers.
Dangerous drivers can take many forms. There are those auditioning for NASCAR, drivers texting out Hemingway missives while going 70 mph or, my personal favorite, the person who decides to cross three lanes of traffic to make an exit ramp with seconds to spare. (I don't miss driving in Orlando, Florida, not one bit.)
Speaking of less-than-desirable locales to drive in, you're more likely to encounter collisions in certain areas of the country, as Allstate's newly released 2025 America's Best Drivers Report reveals. To conduct this study, they examined auto insurance claims in the 200 most populous areas of the United States.
From just $107.88 $24.99 for Kiplinger Personal Finance
Be a smarter, better informed investor.

Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
If you live in an area prone to dangerous drivers, not only can it impact your ability to drive, but it could also impact your wallet with higher car insurance costs. Luckily, there are ways to lower your car insurance rates, even with elevated risk factors.
With this in mind, here's a closer look at which 10 cities made Allstate's list.
The most dangerous cities for drivers
These are the most dangerous metros for drivers:
- Boston, Massachusetts
- Washington, D.C.
- Baltimore, Maryland
- Worcester, Massachusetts
- Springfield, Massachusetts
- Glendale, California
- Los Angeles, California
- Oakland, California
- Providence, Rhode Island
- Philadelphia, Pennsylvania
You might have noticed a theme with these: They're either on the East or West Coast, where there are higher concentrations of drivers.
Boston has a reputation for its less-than-stellar road designs, while Los Angeles is not ideal for quick commutes.
If you live in or near one of these areas, elevated risks of collision could result in higher car insurance costs. How do you save?
Reducing car insurance costs amid dangerous drivers
The most effective way I've found of reducing insurance costs is to shop around for options a few weeks before the policy renews.
Doing so helps you gain a ballpark estimate of what you should pay for insurance. That way, if your renewal premium increases significantly, you have other options.
Using our Bankrate tool, you can compare options fast:
Another tip is to notify your carrier of any changes in your driving behavior. To demonstrate, if you retired recently and don't drive as much, you might qualify for a low-mileage discount. I took advantage of this when I started working remotely years ago, and the discount is substantial.
There are other things you can do to lower insurance costs, such as:
- Increasing deductibles
- Removing comprehensive and collision coverage from older vehicles you own outright
- Bundling multiple policies with one provider
- Taking advantage of all available discounts
- Completing a defensive driver class
- Using telematics to monitor driving behaviors
What are telematics? Many insurance companies offer discounts if you download their app or use their device to monitor your driving behaviors.
Notably, they're looking to see if you obey speed limits, don't make many erratic stops or acceleration bursts, and how often you drive at night.
Providers will monitor your driving habits for one to three months to determine a score based on riskier driving behaviors. The lower your risk, the more likely you are to earn a good discount since you exhibit safer driving behaviors.
A simple tip if you live among dangerous drivers
Along with choosing the right insurance plan, another tip is to install a dash cam on your car, especially if you live in a higher-risk area.
4K Dual Channel Dash Cam - 5GHz WiFi, Dash Camera for Cars with 64GB Card
This dash cam features a 170° wide-angle front lens and a 120° rear lens to capture more of your surroundings.
On its own, a dash cam won't reduce your car insurance costs. However, it makes it easier for your insurance company to process claims in the event of a collision or property damage.
In the case of a he-said-she-said, in which police try to determine cause, having a camera can help you immensely if you didn't cause the accident and don't want to be at fault or liable for damages.
Bottom line on protecting your car from dangerous drivers
Ultimately, whether you live in a city with a higher concentration of dangerous drivers or not, it pays to shop around for car insurance regularly.
Along with this, consider installing a dash cam on your car in case an accident occurs and you need video evidence to show your insurance carrier. It can expedite claims, and in cases in which you didn't cause the accident, it could save you significantly.
Related content
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Sean is a veteran personal finance writer, with over 10 years of experience. He's written finance guides on insurance, savings, travel and more for CNET, Bankrate and GOBankingRates.
-
4 Career Moves to Make Now if You're Worried About a Recession
Worried about a recession? These steps to protect your job prospects will help you professionally whether a downturn develops or not.
-
How StoryCorps Works and How You Can Tell Your Story
StoryCorps has recorded conversations between thousands of people, and anyone can participate. National facilitator Alan Jinich explains how to share your story.
-
4 Career Moves to Make Now if You're Worried About a Recession
Worried about a recession? These steps to protect your job prospects will help you professionally whether a downturn develops or not.
-
How StoryCorps Works and How You Can Tell Your Story
StoryCorps has recorded conversations between thousands of people, and anyone can participate. National facilitator Alan Jinich explains how to share your story.
-
Vacation Couture: Why Wealthy Americans Are Flying to Europe to Save on Luxury
Tariffs are making high-end shopping in the U.S. pricier — so savvy travelers are heading overseas, where VAT refunds and favorable exchange rates can offset the extra cost.
-
Think Twice Before Getting a Credit Card Cash Advance
A credit card cash advance can be a quick solution when you need emergency help with money. But you'll pay for the convenience with high interest and fees.
-
5 Home Run Hotel Packages Every Baseball Fan Will Love
From Fenway to Yankee Stadium, these bundled hotel-and-baseball deals combine savings, perks and unforgettable fan experiences.
-
My First $1 Million: Retired Marketing Consultant, 74, Southern New Hampshire
Ever wonder how someone who's made a million dollars or more did it? Kiplinger's My First $1 Million series uncovers the answers.
-
Amtrak Debuts High Speed Trains as Train Travel Enters a New Golden Age
Amtrak's new high-speed trains come with upgraded amenities, expanded schedules and more as rail travel demand surges.
-
I'm a Financial Adviser: Three Things You Will Wish You Did Before the Fed Cuts Interest Rates
With potential interest rate cuts on the horizon, you might want to lock in today's higher yields and consider adjusting your asset allocation.