Auto claims frequency declined more than 2% on an annualized basis from 2002 to 2022, the Insurance Research Council (IRC) reports. However, claims severity has swung in the opposite direction, with an acceleration in the mid-2010s followed by a more pronounced jump during the pandemic (2020 to 2022). The IRC's Trends in Personal Auto Insurance Claims 2002-2022 report showed that the average claim payment increased steadily over the course of that 21-year period, increasing over 4.5% annualized. Forbes Advisor recently examined data on the number of motor vehicle-related fatalities, the average number of years between collisions and relative collision likelihood of the 50 most populous cities in the United States to determine where drivers are crashing the most. Overall, it found many of the highest-risk areas are along the coast or in populated metropolitan areas with limited public transit services. While the slideshow above details the cities in which Forbes Advisor determined you're most likely to get in a wreck, the cities they found have the highest rates of fatal car accidents are: |

1. Memphis, Tennessee
2. Detroit, Michigan
3. Tuscon, Arizona
4. Jacksonville, Florida
5. Albuquerque, New Mexico
6. Louisville, Kentucky
7. Kansas City, Missouri
8. Dallas, Texas
9. Atlanta, Georgia
10. Tampa, Florida

Full details of Forbes Advisor's report can be found here.

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