Which state has the best drivers?
If you're wondering which state has the best drivers, Ohio, Massachusetts, and New Jersey rank highly. All three states are known for their low crash fatality rates and flexible auto insurance rates. Meanwhile, Michigan and Flordia are known as some of the worst states for drivers in the nation. If you want affordable car insurance in the best states for drivers, shop around and compare multiple companies to get the best rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jan 2, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Some of the best states have low uninsured driver percentages
- The best states for drivers may still have higher than average car insurance rates
- Massachusetts is one of the safest states in the nation
- North Dakota is the most dangerous state in America
The best and worst states for drivers are determined by several factors.
Our guide explains the best and worst drivers by state, which states have the most affordable car insurance rates, and how the best auto insurance companies calculate monthly rates.
Continue reading to learn more about which state has the best drivers. If you’re ready to compare multiple insurance companies, enter your ZIP code in our free online quote tool above.
Which state has the best drivers?
Determining which state has the best drivers may take some research. Fortunately, we’ve done that for you in this guide.
To gauge which states are the best for drivers, we’ve looked at the safest states in America. Check out the table below to see states with the fewest fatality rates in the nation.
Safest States for Drivers
| Rank | Safest States for Drivers | Fatality rate per 1,000 drivers |
|---|---|---|
| 1 | Massachusetts | 0.048 |
| 2 | Rhode Island | 0.049 |
| 3 | New York | 0.052 |
| 4 | New Jersey | 0.062 |
| 5 | Washington | 0.064 |
| 6 | Minnesota | 0.066 |
| 7 | Hawaii | 0.066 |
| 8 | Connecticut | 0.069 |
| 9 | Vermont | 0.07 |
| 10 | New Hampshire | 0.071 |
The latest statistics reported that these were the safest states in America. But this list looked different in 2021.
What state has the best drivers in 2021?
Statistics change every year. The best states for drivers were different in 2021.
Here’s a list of the top five best states for drivers.
- Ohio
- Iowa
- Utah
- Indiana
- Idaho
Ohio was one of the best states because it carried affordable auto insurance rates and auto repairs. Also, Ohio had some of the lowest motor vehicle fatality rates.
Iowa, Utah, Indiana, and Idaho were the additional states that had cheap car insurance rates and low car crash deaths.
What state has the best drivers in 2020?
In 2020, the top states for the best drivers were much different. But some of the states are still excellent for drivers.
Let’s look at the top 10 best states for drivers based on uninsured driver percentages.
- New Jersey
- Massachusetts
- New York
- Maine
- Wyoming
- Pennsylvania
- New Hampshire
- Connecticut
- Utah
- South Dakota
New Jersey, Massachusetts, and New York had the lowest uninsured driver percentage. In other words, most drivers in those states have sufficient car insurance requirements.
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Which states are best and worst for affordable car insurance?
Cheap car insurance depends on multiple factors. One of the most significant characteristics of auto insurance cost is where you live.
Let’s look at the average insurance rates by the state.
Average Monthly Car Insurance Rates by State
| States | Monthly Car Insurance Rates |
|---|---|
| Virginia | $196 |
| Hawaii | $213 |
| West Virginia | $216 |
| Massachusetts | $223 |
| Ohio | $226 |
| Maine | $246 |
| Iowa | $248 |
| Idaho | $248 |
| Washington | $255 |
| New Hampshire | $263 |
| Wyoming | $267 |
| Montana | $268 |
| Vermont | $270 |
| Kansas | $273 |
| Nebraska | $274 |
| Illinois | $275 |
| Missouri | $277 |
| North Carolina | $283 |
| Alaska | $285 |
| Indiana | $285 |
| New Mexico | $289 |
| Oregon | $289 |
| Alabama | $297 |
| Utah | $301 |
| Wisconsin | $301 |
| Mississippi | $305 |
| Tennessee | $305 |
| California | $307 |
| Arizona | $314 |
| South Carolina | $315 |
| Colorado | $323 |
| South Dakota | $332 |
| Pennsylvania | $336 |
| Texas | $337 |
| Arkansas | $344 |
| Oklahoma | $345 |
| North Dakota | $347 |
| New York | $357 |
| Minnesota | $367 |
| District of Columbia | $370 |
| Maryland | $382 |
| Connecticut | $385 |
| Florida | $390 |
| Nevada | $405 |
| Georgia | $414 |
| Rhode Island | $417 |
| Kentucky | $433 |
| New Jersey | $460 |
| Louisiana | $476 |
| Delaware | $499 |
| Michigan | $875 |
Louisiana, Delaware, and Michigan have the most expensive rates. Delaware wasn’t the worst state for drivers based on fatality rates, but it’s more expensive than the $268 a month average.
What are the best car insurance companies for cheap insurance rates?
Auto insurance rates also vary by company. Some car insurance companies are cheaper than others. The top insurance companies provide the most coverage options.
But how much is auto insurance at the best insurance companies?
Average Monthly Full Coverage Car Insurance Rates by Company
| Car Insurance Companies | Monthly Full Coverage Car Insurance Rates |
|---|---|
| Allstate | $318 |
| American Family | $224 |
| Farmers | $288 |
| Geico | $179 |
| Liberty Mutual | $398 |
| Nationwide | $229 |
| Progressive | $283 |
| State Farm | $235 |
| Travelers | $287 |
| Average | $260 |
USAA is meant for military veterans and their immediate families. But all other car insurance companies on the table are available for all drivers. Geico, State Farm, and American Family are the most affordable companies.
Which state has the worst drivers?
States with the worst drivers are typically more dangerous. That means the state has more motor vehicle fatalities.
Let’s examine the states that have the highest fatality rates in the United States.
Most Dangerous States for Drivers
| Rank | Most Dangerous States for Drivers | Fatality rate per 1,000 drivers |
|---|---|---|
| 41 | Louisiana | 0.158 |
| 42 | South Dakota | 0.158 |
| 43 | South Carolina | 0.168 |
| 44 | Alabama | 0.169 |
| 45 | Oklahoma | 0.171 |
| 46 | Wyoming | 0.178 |
| 47 | Mississippi | 0.184 |
| 48 | Montana | 0.186 |
| 49 | New Mexico | 0.203 |
| 50 | North Dakota | 0.256 |
Although the fatality numbers per 1,000 drivers don’t appear to be a lot, it’s actually a high number compared to the number of motorists that drive in the nation.
Most drivers aren’t involved in fatal accidents, but it’s still one fatality too many. And car insurance companies respond to these crash deaths with higher rates in these areas.
Read more: The Worst Drivers in the World Ranked By City
What state has the worst drivers in 2021?
In 2021, the worst driver spot was occupied by another state.
Check out the list below to see the top five worst states for drivers.
- California
- Louisiana
- Maryland
- Rhode Island
- Colorado
Louisiana remained in the top five worst states. The state of Louisiana is also known for its higher-than-average auto insurance rates.
What state has the worst drivers in 2020?
But what are the top 10 worst drivers by state in 2020? Let’s review the worst states by uninsured driver percentage.
- Mississippi
- Michigan
- Tennessee
- New Mexico
- Washington
- Florida
- Alabama
- Arkansas
- District of Columbia
- California
Mississippi, Michigan, and Tennessee have the highest percentage of uninsured drivers. And Michigan is infamous for its expensive car insurance rates.
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Which State Has The Best Drivers: The Bottom Line
States with the best drivers often see cheaper car insurance rates, but your rates depend on factors, such as driving record, credit history, age, and where you live.
If you live in a state known for high fatality rates or a high percentage of uninsured drivers, expect your monthly rates to be more expensive than average.
The best way to decrease your rates is to qualify for car insurance discounts.
And now that you know which state has the best drivers, use our free online quote tool to see which insurance companies provide the best deals in your area.
Frequently Asked Questions
What determines the quality of drivers in a state?
The quality of drivers in a state is typically determined by several factors, including the number of traffic violations, accidents, and fatalities. Other factors may include the average number of years of driving experience, the prevalence of distracted driving incidents, and the overall compliance with traffic laws.
Is there a state that can be considered to have the best drivers?
While it is challenging to definitively determine which state has the best drivers, various studies and rankings have been conducted to evaluate driver behavior and safety across states. However, it’s important to note that rankings may vary depending on the criteria used in each study.
Are there any states that are consistently ranked highly for having good drivers?
Yes, some states have consistently received positive rankings for their drivers’ behavior and safety. For example, states like Minnesota, Iowa, Massachusetts, Vermont, and New Hampshire have often been ranked among the top states with the best drivers in various studies and reports.
Which states tend to have lower rates of traffic violations and accidents?
States that often demonstrate lower rates of traffic violations and accidents include states like Vermont, Minnesota, Iowa, Utah, and New Hampshire. However, it’s important to remember that these rankings can change over time as driver behavior and road conditions evolve.
Are there any resources available to compare driving statistics across states?
Yes, several resources provide comparisons of driving statistics across states. Organizations such as the Insurance Institute for Highway Safety (IIHS), National Highway Traffic Safety Administration (NHTSA), and various insurance companies often publish reports and studies that evaluate driving behavior and safety on a state-by-state basis.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.