Motor vehicle accidents are inevitable to some degree, but drivers in certain cities are particularly worse at avoiding them. These are the cities in every state with the highest at-fault accident rates in 2021.
Everyone makes mistakes. Rarely do drivers ever try to cause an accident, yet they still happen quite often. In fact, according to Insurify’s analysis, nearly 1 in 10 U.S. drivers report causing a motor vehicle accident in the prior seven years. Of course, just because motor vehicle crashes are common does not make them any less serious. Even if everyone involved is unharmed, an auto accident can still present a major headache for all parties involved. Insurance companies have to get involved to sort out property damage issues, and premiums will almost certainly go up for the at-fault driver. They may even rise for drivers not at fault, too.
So while traffic accidents are never wholly avoidable, drivers are wise to implement preventive measures on the road, such as practicing defensive driving and always being aware of one’s surroundings. Sometimes, however, driving safely can even mean being extra cautious when traveling through areas with particularly accident-prone motorists.
Accidents occur in every city, but certain places are home to drivers that cause accidents more frequently than the norml. To see which cities have the most accident-prone drivers, the data scientists at Insurify turned to their database of over 4 million car insurance applications to determine the city with the highest at-fault accident rate in every state in 2021.
Methodology
The data scientists at Insurify, a website to compare auto insurance rates, referred to their database of over 4 million car insurance applications to identify the city in every state with the most accident-prone drivers.
When applying for car insurance, applicants disclose their city and state of residence, as well as any prior violations on their driving record within the past seven years, including at-fault and no-fault accidents. At-fault accident laws vary slightly by state, but an at-fault driver is generally at least 50 percent responsible for a given traffic crash. A no-fault driver is less than 50 percent responsible for the accident in which they are involved.
To determine the city with the highest at-fault accident rate in every state, Insurify’s data scientists calculated the share of drivers reporting an at-fault accident on their driving record in 590 separate U.S. cities over the past seven years. The city with the highest share of these drivers in each state was identified as the city with the most accident-prone drivers in that respective state.
The Insurify data science team considered all U.S. cities with a population greater than 50,000 and with sufficient driving application data. For states with one or zero cities of greater than 50,000 people, the next largest city or cities with sufficient driving application data were considered.
Top 5 Cities with the Most Accident-Prone Drivers
1. Simi Valley, CA - 16.84% of drivers reporting an at-fault accident on record
2. Fall River, MA - 16.24% of drivers reporting an at-fault accident on record
3. Lincoln, NE - 16.22% of drivers reporting an at-fault accident on record
4. Auburn, AL - 16.04% of drivers reporting an at-fault accident on record
5. Charleston, SC - 15.76% of drivers reporting an at-fault accident on record
The Cities with the Most At-Fault Accidents, 2021
Alabama: Auburn
Alaska: Anchorage
Arizona: Flagstaff
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Arkansas: Fayetteville
California: Simi Valley
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Colorado: Arvada
Connecticut: Manchester
Delaware: Dover
Florida: Gainesville
Georgia: Dacula
Hawaii: Honolulu
Idaho: Nampa
Illinois: Naperville
Indiana: Muncie
Iowa: Cedar Rapids
Kansas: Lawrence
Kentucky: Bowling Green
Maine: Portland
Maryland: Bowie
Massachusetts: Fall River
Michigan: Kalamazoo
Minnesota: St. Paul
Mississippi: Southaven
Missouri: Columbia
Montana: Missoula
Nebraska: Lincoln
Nevada: Sparks
New Hampshire: Manchester
New Mexico: Rio Rancho
New Jersey: Toms River
New York: Schenectady
North Carolina: Charlotte
North Dakota: Fargo
Ohio: Hamilton
Oklahoma: Edmund
Oregon: Beaverton
Pennsylvania: Erie
Rhode Island: Warwick
South Carolina: Charleston
South Dakota: Sioux Falls
Tennessee: Murfreesboro
Texas: Flower Mound
Utah: Orem
Vermont: Burlington
Virginia: Virginia Beach
Washington: Renton
West Virginia: Charleston
Wisconsin: Racine
Wyoming: Cheyenne
Data Attribution
The information, statistics, and data visualizations on this page are free to use, we just ask that you attribute any full or partial use to Insurify with a link to this page. Thank you!
If you have any questions or comments about this article or would like to request the data, please contact [email protected].
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