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> 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.



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