While commuters in many U.S. cities battle traffic nightmares, challenging weather conditions, and expensive auto insurance premiums and gas, the following major metropolitan areas provide the best overall conditions for U.S. drivers, according to NerdWallet.

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10. Tucson, Arizona

Tucson's dry climate makes for easy driving conditions year round. Also, auto insurance costs are considerably lower than in the rest of the nation.

To add to Tucson's appeal, gas prices are about 14 cents cheaper per gallon than the national average of $3.44.

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9. Milwaukee, Wisconsin

Milwaukee drivers are less likely to get into an accident when compared with other drivers across the country. Also a plus, Milwaukee drivers endure only 28 hours of annual traffic delays, which is five hours less than the average U.S. driver.

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8. Phoenix, Arizona

Phoenix drivers have it pretty good. With only 28 days of annual precipitation, Phoenix weather is less treacherous than in many other major U.S. cities. NerdWallet also found that insurance premiums for Phoenix drivers are over $70 cheaper than the national average.

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7. Raleigh, North Carolina

Out of all the major cities NerdWallet examined, drivers in Raleigh are the least likely to get stuck sitting in traffic. Drivers here endured only 23 hours of delays a year, or 10 hours less than the national average.

Drivers also enjoy lower-than-average insurance costs at $828.17, compared to the national average of $1,099.71.

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6. Richmond, Virginia

Richmond drivers spend 29 hours each year in traffic, which is 14% less than drivers in other cities. Drivers also benefit from low car insurance prices, with an average annual premium of $875.95—over $220 less than the national average.

However, icy roads are common during wintertime, so drivers should be extra cautious.

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5. Albuquerque, New Mexico

Drivers in Albuquerque spend four hours less in traffic every year than the U.S. average of 33 hours.

The city doesn't get as much rain, about half as much as other places, making for safer driving. Albuquerque drivers also spend $138.55 less than the national average on car insurance premiums.

The Eagle Gate, located at downtown Temple Street & State Street in Salt Lake City. (Photo: Kenny Tong / Shutterstock.com)

4. Salt Lake City, Utah

On average, Salt Lake City drivers spend 30 hours each year sitting in traffic, which is three hours less than the U.S. average. Drivers also get a bargain when it comes to insurance, with an average annual rate of $772.23, which is more than $300 less than what the nation's average driver pays.

Panoramic view of El Paso, Texas looking toward Juarez, Mexico. (Photo: Joseph Sohm / Shutterstock.com)

3. El Paso, Texas

El Paso drivers enjoy sunny weather and car insurance rates lower than other places. The average insurance rate for El Paso drivers is $1,024.83, which is $74.88 less than the national average. Similarly, gas prices are relatively low at $3.31 a gallon, compared with the national average of $3.44. In 2012, there were only 42 days of precipitation here, quite a bit less than the national average of 110 days.

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2. Kansas City, Missouri

Kansas City drivers don't have much to complain about when it comes to traffic delays, coming in at 27 hours each year, or six hours less than the national average. Of all the large cities examined, Kansas City has the lowest likelihood of an accident.

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1. Omaha, Nebraska

Omaha is the best city for car drivers, according to NerdWallet's analysis. Drivers in Omaha endure only 24 hours of traffic delays each year—nine hours less than the national average and the second-fewest hours of all the places examined. Omaha also has a lower amount of precipitation, 20 days less than the average, making commutes and errands less stressful.