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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jan 27, 2022

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Here's what you need to know...

  • 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
RankSafest States for DriversFatality rate per 1,000 drivers
2Rhode Island0.049
3New York0.052
4New Jersey0.062
10New Hampshire0.071
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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.

  1. New Jersey
  2. Massachusetts
  3. New York
  4. Maine
  5. Wyoming
  6. Pennsylvania
  7. New Hampshire
  8. Connecticut
  9. Utah
  10. 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
StatesMonthly Car Insurance Rates
West Virginia$216
New Hampshire$263
North Carolina$283
New Mexico$289
South Carolina$315
South Dakota$332
North Dakota$347
New York$357
District of Columbia$370
Rhode Island$417
New Jersey$460
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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 CompaniesMonthly Full Coverage Car Insurance Rates
American Family$224
Liberty Mutual$398
State Farm$235
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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
RankMost Dangerous States for DriversFatality rate per 1,000 drivers
42South Dakota0.158
43South Carolina0.168
49New Mexico0.203
50North Dakota0.256
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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.

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.

  1. Mississippi
  2. Michigan
  3. Tennessee
  4. New Mexico
  5. Washington
  6. Florida
  7. Alabama
  8. Arkansas
  9. District of Columbia
  10. 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: Which state has the best drivers?

Do you want to learn more? Read these answers to frequently asked questions to find out more.

#1 – Which state has the rudest drivers?

Idaho is number one for the rudest drivers in America, followed by Washington D.C. and New York.

#2 – Which state has the highest gas prices?

California takes the top spot as the state with the highest gas prices. The average cost of gas per gallon in California is $4.71.

#3 – What’s the best car insurance company in America?

State Farm is the best company in the United States because it holds the biggest market share and earns the most money in the auto insurance industry.

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