The densely populated cities of both U.S. coasts, with their congested streets, tend to have the most dangerous roads, based on an Allstate analysis of 2022 and 2023 crash damage insurance claims in the 200 most populous U.S. cities.

The Allstate research found that Boston insured drivers’ went an average of just three years between crashes, making it the most dangerous driving U.S. city. 

The Massachusetts city’s average annual full-coverage insurance cost with a crash on the driver’s record is consequently $3,540, according to insurance comparison-shopping website Insurify, which said drivers in the dangerous-driving cities pay 84% more for auto insurance.

Boston is followed closely on the dubious list by Washington, D.C., Baltimore, Worchester and Springfield, Mass., and Glendale, Los Angeles and Oakland, Calif.

Since auto insurance premium costs are based on a variety of factors, Baltimore actually bears the heaviest annual full-coverage insurance cost burden for drivers with crashes at $7,008, Insurify found.

The city deemed the safest based on the same Allstate metrics is Brownsville, Texas, whose drivers went an average of 14 years between crashes. It’s followed by Boise, Idaho, Fort Collins, Colo., Cary, N.C., Laredo, Texas, Olathe, Kan., Scottsdale, Ariz., Port St. Lucie, Fla., Madison, Wisc., and Eugene, Ore.

The lowest average annual full-coverage insurance cost for crash-burdened drivers is $1,584 in Cary.

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