Key takeaways:
- For the second straight 12 months, Brownsville, Texas, ranks because the most secure metropolis, with drivers going almost 15 years between collisions. Boston stays essentially the most collision-prone at simply 3.76 years. Drivers within the most secure cities are almost 4 instances much less more likely to expertise a crash.
- Waco, Texas, made the biggest enchancment 12 months over 12 months (+40 spots), whereas Detroit noticed the steepest decline (-38 spots). About one-third of cities moved 10 spots or extra and three new cities entered the highest or backside 10, displaying how altering visitors patterns and conduct affect danger.
- New insights from Drivewise®, accessible within the Allstate cellular app, present how habits like rushing, arduous braking, telephone use and nighttime driving affect danger throughout the nation. These are behaviors drivers can management to decrease their possibilities of a crash and assist keep away from the out-of-pocket and insurance coverage prices that usually comply with.
NORTHBROOK, Sick., July 1, 2026 — Drivers within the most secure U.S. cities can go years longer between collisions, decreasing danger and serving to maintain insurance coverage prices extra manageable, in keeping with Allstate’s 2026 America’s Finest Drivers Report. The report highlights how location and on a regular basis driving habits affect each security and, in flip, the prices drivers might in the end face.
Texas once more has a number of cities among the many most secure drivers within the nation, whereas Massachusetts cities together with Boston, Worcester and Springfield rank highest for crash danger. The report solutions a key query for drivers: How seemingly am I to expertise a crash the place I dwell, and the way can I scale back my danger?
Now in its 18th 12 months, the report ranks the 200 largest U.S. cities based mostly on auto insurance coverage claims information and consists of insights from Drivewise, accessible within the Allstate cellular app. Drivewise gives suggestions on behaviors similar to rushing, braking and telephone use to assist drivers enhance how they drive.
Collectively, the information exhibits how typically crashes happen and highlights behaviors that enhance danger, giving drivers actionable methods to remain safer, keep away from the prices related to collisions and assist decrease their insurance coverage prices over time.
Laura Hoffman, vice chairman of auto design and telematics at Allstate:
“The place you drive performs a job in your danger, however how and once you drive issues simply as a lot. By pairing claims information with driving insights similar to rushing, arduous braking and telephone use from Allstate’s Drivewise, we’re serving to drivers take easy steps to stop crashes and maintain insurance coverage prices down.”
| High 10 most secure cities for drivers Ranked by Allstate claims information and the very best common years between collisions | ||||
| Rating | Metropolis | Common years between collisions | Relative collision chance (to nationwide common)* | Change in rating (2025-2026) |
| 1 | Brownsville, TX | 14.99 | -27.5% | 0 |
| 2 | Fort Collins, CO | 14.96 | -27.4% | 1 |
| 3 | Boise, ID | 14.07 | -22.8% | -1 |
| 4 | Laredo, TX | 13.82 | -21.4% | 1 |
| 5 | Cary, NC | 12.82 | -15.2% | -1 |
| 6 | Madison, WI | 12.81 | -15.2% | 3 |
| 7 | McAllen, TX (New to prime 10) | 12.76 | -14.9% | 4 |
| 8 | Colorado Springs, CO (New to prime 10) | 12.68 | -14.4% | 15 |
| 9 | Eugene, OR | 12.68 | -14.3% | 1 |
| 10 | Olathe, KS | 12.51 | -13.1% | -4 |
| High 10 riskiest cities for drivers Ranked by Allstate claims information and the bottom common years between collisions | ||||
| Rating | Metropolis | Common years between collisions | Relative collision chance (to nationwide common)* | Change in rating (2025-2026) |
| 200 | Boston, MA | 3.76 | +188.7% | 0 |
| 199 | Washington, DC | 4.24 | +156.3% | 0 |
| 198 | Baltimore, MD | 4.49 | +142.1% | 0 |
| 197 | Worcester, MA | 5.14 | +111.2% | 0 |
| 196 | Springfield, MA | 5.18 | +109.6% | 0 |
| 195 | Glendale, CA | 5.53 | +96.5% | 0 |
| 194 | Windfall, RI | 5.87 | +85.1% | -2 |
| 193 | Dawn Manor, NV (New to prime 10) | 5.95 | +82.6% | -3 |
| 192 | Los Angeles, CA | 5.99 | +81.5% | 2 |
| 191 | Philadelphia, PA | 6.12 | +77.6% | 0 |
*Values symbolize variance from the U.S. common (0); adverse values point out decrease chance, optimistic values point out larger chance.
Driving by the numbers: The place are the most secure and most collision-prone cities?
For the second straight 12 months, Brownsville, Texas, ranks because the most secure metropolis, with drivers going almost 15 years between collisions, whereas Boston stays essentially the most collision-prone, with drivers averaging 3.76 years between collisions. Boston drivers are 189% extra more likely to expertise a collision than the nationwide common, which may result in larger prices, together with repairs and insurance coverage costs.
Texas and Colorado cities lead the most effective drivers listing, with McAllen, Texas, and Colorado Springs, Colorado, getting into the highest 10. The Northeast is house to seven of the ten riskiest cities, together with Washington, D.C., Baltimore and Philadelphia, with Dawn Manor, Nevada, becoming a member of this 12 months.
- Large swings in rankings present how shortly positions can change. Waco, Texas, climbed 40 spots 12 months over 12 months, the largest enchancment. Different cities making massive positive aspects embody Savannah, Georgia (+30), New Orleans, Louisiana (+29), and Kansas Metropolis, Kansas (+29).
Detroit, Michigan, noticed the largest slide, dropping 38 spots. Rockford, Illinois (-34), Arlington, Virginia (-20), Tampa, Florida (-19), and Anchorage, Alaska (-18) additionally fell, displaying how modifications in visitors patterns and driving circumstances can affect rankings over time.
- Regional patterns proceed to form the rankings. Georgia cities have been among the many most improved, with Savannah, Macon and Columbus climbing 20 spots or extra. The Midwest noticed among the largest drops within the rankings, together with Omaha (-16), Milwaukee (-15), Chicago (-13) and Indianapolis (-11).
Driving by the numbers: What does Drivewise information reveal about driver conduct?
New insights from Drivewise, accessible within the Allstate cellular app, present how habits like rushing, arduous braking, telephone use and nighttime driving affect driving danger throughout the nation. Drivewise helps drivers perceive these patterns in actual time to assist decrease their possibilities of a collision and get monetary savings.
- Nighttime driving is highest in Washington, D.C., Las Vegas and New York Metropolis. Washington, D.C. and Northern Virginia, together with Alexandria and Arlington, and the Las Vegas Valley are among the many highest for nighttime driving. Nighttime driving can enhance danger on account of diminished visibility and the next chance of fatigue or impaired driving.
- Cellphone use is elevated in main metros. Cities like Miami, Chicago, Washington, D.C. and Boston are among the many highest for telephone use whereas driving, displaying how distraction is extra prevalent in dense, city environments.
- Dashing varies by market. Bridgeport, Connecticut, has the very best ranges of rushing, adopted by Pittsburgh, Indianapolis, Chicago and three Alabama cities — Cellular, Birmingham and Huntsville. Dashing can scale back driver response time and make collisions extra extreme.
- Exhausting braking is most elevated in Arizona and North Carolina. The very best charges of arduous braking are in North Carolina and Arizona, with Raleigh, Fayetteville and Durham, North Carolina, and Chandler, Glendale, Tempe, Mesa and Gilbert, Arizona, all among the many highest. Exhausting braking can sign stop-and-go driving or shut following, which can enhance collision danger.
Serving to drivers keep safer: What instruments and protections may help?
Irrespective of the place you reside, small modifications behind the wheel can scale back crash danger, and Allstate presents instruments designed to assist drivers perceive and enhance their driving earlier than a collision occurs.
“You don’t need to overhaul your driving habits to make a distinction,” mentioned Hoffman. “Easy steps like slowing down, staying targeted and giving your self area can go a good distance in serving to scale back danger.”
Instruments that assist drivers keep safer on the highway
Allstate’s Drivewise provides drivers visibility into their driving conduct and helps them enhance over time and recuperate from a collision by providing:
- Driving scores within the Allstate cellular app on pace, braking and telephone use, with insights after every journey to assist drivers determine dangerous habits and make safer decisions on their subsequent drive.
- Progress monitoring that exhibits developments in driving conduct and helps reinforce safer habits to scale back crash danger, out-of-pocket prices and insurance coverage costs.
- Crash detection options that may shortly join drivers to assist after a collision, decreasing stress and serving to pace restoration.
Protections that assist scale back the monetary affect of a crash
Allstate additionally presents elective options that may assist drivers recuperate extra shortly after a crash and scale back the monetary pressure that may comply with. These are a part of a broader set of choices that give prospects extra methods to remain protected earlier than and after an incident, together with:
- Accident Forgiveness helps stop a driver’s automotive insurance coverage charge from rising simply due to an accident. This helps scale back the long-term monetary affect of a mistake.
- Transportation Expense Protection gives a set amount of cash after a coated crash that drivers can use for a rental automotive, rideshare or different transportation whereas their car is being repaired.
Discover extra security suggestions, the complete listing of cities and extra insights from the report at www.allstate.com/best-drivers, or go to www.allstate.com to be taught extra.
Drivers may also obtain the Allstate cellular app to entry Drivewise and higher perceive their conduct behind the wheel.
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What’s the Allstate America’s Finest Drivers Report?
Allstate America’s Finest Drivers Report is an annual research that sheds mild on driving security developments throughout the nation to assist educate drivers, encourage safer habits and help a broader dialog about highway security. By analyzing auto claims information from the 200 most populous U.S. cities, the report identifies the place drivers are extra and fewer more likely to expertise a collision in contrast with the nationwide common. This 12 months marks the 18th version of the report.
How does Allstate rank cities?
Cities are ranked utilizing Allstate auto claims information to match collision developments throughout the 200 most populous U.S. cities. Rankings are based mostly on property injury declare frequency, reflecting how typically drivers trigger injury to others. Outcomes are expressed as common years between collisions and chance in contrast with the U.S. common.
A collision is outlined as any auto crash leading to a property injury or collision declare.
What information is used within the report?
The rankings are based mostly on property injury declare frequency from claims reported over a two-year interval from January 2023 by means of December 2024, reflecting how typically drivers trigger injury to others. Allstate insurance policies symbolize roughly 10% of all U.S. auto insurance policies, making the report a broad snapshot of driving developments throughout the nation.
General claims information can be used to tell nationwide benchmarks, similar to the typical years between collisions, offering a extra full image of crash frequency and serving to put city-level rankings in a broader nationwide context.
What’s new in 2026?
The 2026 report continues to make use of claims information as the muse for the rankings. This 12 months, it additionally consists of Drivewise behavioral insights, together with rushing, arduous braking, telephone use and nighttime driving, to supply extra context behind the outcomes. These insights, based mostly on aggregated and anonymized Drivewise information collected from January 2025 by means of December 2025, assist illustrate how driving habits can fluctuate throughout cities however usually are not used to find out rankings.
What’s Drivewise, and the way is it used on this report?
Drivewise, accessible within the Allstate cellular app, helps drivers higher perceive their driving habits and helps a extra customized auto insurance coverage charge. It gives behavior-based insights on drivers’ telephone use, rushing, braking and nighttime driving. On this report, these insights are used to assist clarify patterns within the rankings, not as a separate scoring or rating system.
Does Allstate use this report back to set auto insurance coverage charges?
No. The report and its rankings usually are not used to set auto insurance coverage charges. It’s designed to supply perception into driving developments and encourage safer driving behaviors. Charges are based mostly on a variety of things, which can embody underlying declare developments and driving-related information, amongst different concerns used to evaluate danger.
Methodology
The 2026 Allstate America’s Finest Drivers Report analyzes Allstate auto claims information to match collision developments throughout the 200 most populous U.S. cities. Rankings are based mostly on property injury declare frequency, reflecting how typically drivers trigger injury to others. Outcomes are expressed as common years between collisions and chance in contrast with the U.S. common. Probability values use a U.S. baseline of 0, the place adverse values point out lower-than-average chance and optimistic values point out higher-than-average chance.
Allstate analyzed property injury claims reported throughout the two-year interval from January 2023 by means of December 2024 to rank cities. The corporate additionally opinions total claims information, together with each property injury and collision claims, to tell nationwide benchmarks, similar to the typical years between collisions. A collision is outlined as any auto crash leading to a property injury or collision declare. U.S. Census Bureau information was used to determine the 200 largest U.S. cities. Based on Allstate claims information, the typical U.S. driver experiences a collision as soon as each 10.86 years. Allstate’s auto insurance policies symbolize roughly 10% of all U.S. auto insurance policies, making the report a practical snapshot of driving developments throughout the nation.
Drivewise behavioral metrics, together with telephone use, rushing, arduous braking and nighttime driving, are included as aggregated context to assist clarify patterns noticed within the claims information. These insights are based mostly on aggregated and anonymized Drivewise information collected from January 2025 by means of December 2025, offering a more moderen view of driving behaviors. They’re used as an instance how driving habits fluctuate throughout cities, quite than to rank them. Drivewise behavioral metrics are expressed as indices benchmarked to a U.S. common of 100, utilizing a trip-distance-weighted common throughout cities, the place values above 100 point out larger charges of the conduct and values under 100 point out decrease charges. Dashing displays the share of miles pushed 15 mph or extra over the posted pace restrict, arduous braking captures sudden braking occasions per 100 miles pushed, telephone use displays telephone unlock occasions whereas driving, and nighttime driving represents the share of miles pushed throughout in a single day or low-light hours.
In Michigan, the place a no-fault insurance coverage system modifications how sure claims are recorded, outcomes are included however is probably not immediately similar to different states.
The Allstate America’s Finest Drivers Report is produced to help a broader dialog about protected driving and to extend consciousness of the significance of attentive driving habits. The report just isn’t used to find out auto insurance coverage charges.
About Allstate
The Allstate Company (NYSE: ALL) protects individuals from life’s uncertainties with inexpensive, easy and related safety for autos, houses, digital gadgets and identities. Merchandise can be found by means of a broad distribution community together with Allstate brokers, impartial brokers, main retailers, on-line and on the office. Allstate has greater than 212 million insurance policies in drive and is broadly recognized for the slogan “You’re in Good Palms with Allstate.” For extra data, go to www.allstate.com.
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