The main issue is highways and rural roads.

Source? I'd wager most accidents happen where the most people are. Cities.

> I'd wager most accidents happen where the most people are. Cities.

Sure, in absolute numbers. But..

In the US, highest deaths per 100M vehicle miles:

1.79 - Mississippi

1.73 - Arizona

1.72 - South Carolina

And the lowest:

0.56 - Massachusetts

0.70 - Minnesota

0.78 - New Jersey

Or, highest per 100,000 population:

25 - Mississippi

25 - Wyoming

21 - New Mexico

Lowest per 100,000:

4.9 - Massachusetts

5.7 - New York

6.5 - New Jersey

Maybe the average MS driver drives 3-5x as many miles as the average MA driver? I doubt it. Something else happening there.

https://www.iihs.org/research-areas/fatality-statistics/deta...

Fortunately deaths are only a fraction of the accidents though, and it's not even necessarily the kind of accident that bothers insurance companies the most as long as the driver only kills himself.

It seems we are talking about different things.

The majority of car collisions happen on urban roads where the majority of cars are.

The majority of fatal collisions occur on rural roads, where vehicles are travelling faster.

I live in the UK.

https://www.simplyquote.co.uk/insights/where-do-most-car-acc...

“Highways” and “city” aren't incompatible, quite the opposite: most of the traffic on highways is commuting, in urban areas.

.... in the USA.

I live in the UK where highways majority used for inter city transport.

I can't tell about the UK, but it's definitely true as well in France and Germany.

And a quick look at map of London and Birmingham suggests that it may very well be the case in the UK as well…

Maybe actually looking at research and statistics might serve you better than casually glancing at maps and taking wild guesses.

I'll get you started:

https://www.gov.uk/government/statistics/national-travel-sur...

Funny how you don't even bothered to get the data by yourself get still felt entitled to act like a jerk.