Safest Highways by State (2024)
Iowa ranks second for having the safest highways by state with the best score in America for the number of highway traffic deaths per mile of highway. Louisiana ranks worst overall of any state in America with a fifth-worst score in highway traffic deaths per mile of highway. The region of the country that fares the best for safe highways is the Midwest.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
← View our latest, updated results
Interactive graph with all state rankings based on safest highways:
In the midst of the end of the year holidays, it’s fun to get swept up in the lights, the gifts, and the excitement of seeing loved ones to celebrate such a special season.
During the holiday season, Christmas and New Year’s bring a sense of magic as families and friends come together. Many people embark on long road trips to reunite with loved ones, highlighting the importance of safe highways by state in this article. It explores the safest places to drive in the US and identifies the most secure states for driving.
Driving during one of the busiest long-distance travel periods of the year creates a unique set of challenges (the holidays)
During Christmas and New Year’s, it’s over 50 percent more likely that families and individuals will go on a road trip lasting longer than 50 miles according to Forbes.
The possibility of facing a long road trip means that many people on the roads during this holiday season are traveling through multiple states as quickly as they can.
Because of this, it is important to know more about the states we travel through in order to better understand how safe the roadways are and how likely it is to have a car accident.
Read through this article to see if any of the states you plan to drive in this holiday season make our list of the safest highways by state. Then, enter your ZIP code into our FREE tool above to find auto insurance rates that work for you.
You can also check out our page titled “Which states have the cheapest auto insurance rates?” to find out what the average rates are in your state and whether you’re overpaying or underpaying based on the coverages you have and your situation.
This article will also cover the following topics:
- State road condition rankings
- Which state has the best highway system
- States with the worst roads
- Which states have the best freeways
- The most dangerous place to drive in the world
Now, let’s get to those 10 states with the safest highways. Some of the states and the categories they do the best in may surprise you.
Top 10 States for the Safest Highways
Let’s delve into the top 10 states with the safest highways across various regions of the USA, excluding the South. Each state is evaluated based on its best and worst rankings, highlighting the categories where it excels and where it faces challenges. This analysis provides insights into highway safety across different parts of the country, including states ranked by worst drivers and the safest Midwest states.
We’ll start with the 10th best state for safest highways on this list: Maine.
#10 – Maine
Best Ranking Factor: Interstate Speeding Fatalities per Mile of Interstate: 1
Worst Ranking Factor: Highway Bridges Rated Obsolete or Deficient: 40
Coming in at #10 on our list, Maine boasts the safest highways with regard to Interstate Speeding Fatalities per Mile of Interstate.
Drivers in Maine obey the posted speed limits on interstates and highways, and this has helped many stay safe on the roads.
#9 – Nevada
Best Ranking Factor: Percent of Drivers without Seatbelts: 10
Worst Ranking Factor: Highway Deaths per 1,000 Highway Miles Traveled: 33
While a score of 10 for the Percent of Drivers without Seatbelts is nothing to brush over, drivers in Nevada need to stay alert while traveling long distances in order to avoid having tragic accidents.
#8 – North Dakota
Best Ranking Factor: Highway Bridges Rated Obsolete or Deficient: 1
Worst Ranking Factor: IIHS Death Rates: 48
North Dakota boasts a top score with regard to Highway Bridges Rated Obsolete or Deficient.
But they also sit in 48th place for Death Rates as determined by the Insurance Institute for Highway Safety.
Needless to say, North Dakota has a long way to go before it can be considered the state with the safest highways in America.
#7 – Delaware
Best Ranking Factor: Highway Deaths per 1,000 Highway Miles Traveled: 1
Worst Ranking Factor: Interstate Speeding Fatalities per Mile of Interstate: 51
Coming in at #7, Delaware seems to be its own special paradox.
Boasting a simultaneous first-place in Highway Deaths per 1,000 Highway Miles Traveled and last-place in Interstate Speeding Fatalities per Mile of Interstate, it seems as though driving in Delaware can be both safe and treacherous depending on which statistics matter to you the most.
With an above-average score for IIHS Death Rates (28), the state certainly still has some work to do to become a safer place to drive.
#6 – Wisconsin
Best Ranking Factor: Highway Deaths per 1,000 Highway Miles Traveled: 2
Worst Ranking Factor: Percent of Drivers without Seatbelts: 40
Our #6 spot goes to the Dairy State.
Wisconsin scored below-average in IIHS Death Rates (22) and Interstate Speeding Fatalities per Mile of Interstate (16), and that is certainly something to celebrate.
#4 – Nebraska
Best Ranking Factor: Highway Bridges Rated Obsolete or Deficient: 3
Worst Ranking Factor: Percent of Drivers without Seatbelts: 36
Nebraska ties with Alaska for the #4 spot on our Best Highways by State list.
While Nebraska maintains reasonably safe highways, because nearly 20 percent of drivers in Nebraska choose to drive without wearing their seatbelts, the state sees many unnecessary fatal accidents each year.
#4 – Alaska
Best Ranking Factor: Federal Funding: 1
Worst Ranking Factor: Highway Deaths per 1,000 Highway Miles Traveled: 51
With a top score for Federal Funding, Alaska ties with Nebraska for #4.
With below-average scores for Interstate Speeding Fatalities per Mile of Interstate (2), Percent of Drivers without Seatbelts (21), Highway Bridges Rated Obsolete or Deficient (22), and IIHS Death Rates (16), Alaska seems to be a relatively safe place to drive.
But with the worst possible score for Highway Deaths per 1,000 Highway Miles Traveled, Alaskan drivers prove that they still have a lot to work on.
#3 – Oregon
Best Ranking Factor: Percent of Drivers without Seatbelts: 1
Worst Ranking Factor: Highway Bridges Rated Obsolete or Deficient: 41
Coming in at #3, drivers in Oregon are happy to obey the law and wear their seatbelts.
Scoring consistently under 20 for Interstate Speeding Fatalities per Mile of Interstate (14), Highway Deaths per 1,000 Highway Miles Traveled (7), and IIHS Death Rates (15), Oregon seems like a very safe place to drive.
#2 – Iowa
Best Ranking Factor: Interstate Speeding Fatalities per Mile of Interstate: 3
Worst Ranking Factor: IIHS Death Rates: 27
The #2 spot on our Best Highways by State goes to the Corn State. Drivers in Iowa should be proud of themselves.
They stayed below-average in every category except IIHS Death Rates, and while this category and its implications are important, Iowa drivers certainly drive with safety and precaution in mind.
Iowa scores another big win in our study about the best drivers in the U.S. by state. It is ranked seventh overall, with a subcategory ranking of second overall for careless driving.
#1 – Minnesota
Best Ranking Factor: Highway Bridges Rated Obsolete or Deficient: 2
Worst Ranking Factor: Federal Funding: 34
Minnesota tops our list at #1 for the Best Highways by State.
Scoring under 15 for Interstate Speeding Fatalities per Mile of Interstate (9), Percent of Drivers without Seatbelts (13), Highway Deaths per 1,000 Highway Miles Traveled (4), and IIHS Death Rates (7), it’s evident that Minnesota boasts the safest highways in the U.S.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Protecting Yourself: Defensive Driving Tips
One way we can work to protect our roadways is to drive defensively. Because human error is responsible for 94 percent of all car crashes, we need to take our role as motorists seriously (NHTSA).
Defensive driving enables us to drive attentively, adhere to traffic laws, and stay focused to prevent distractions such as texting or drinking while driving. It’s crucial on major Midwest highways and the busiest interstates across the United States.
Start driving defensively today by focusing on the following tips:
- Look ahead
- Maintain a safe distance
- Go with the flow
- Make yourself visible
- Reduce driving distractions
If we can all commit to driving defensively, we can make our highways safer in each and every state. Driving defensively also has major impacts on auto insurance rates, as insurance companies can reward drivers who drive defensively, file fewer claims, and even offer discounts for drivers who take defensive driving classes.
Check out our article about the best auto insurance companies for 2021 for more information about which insurance company might be best for you.
Methodology: Determining the States with the Safest Highways
To compile information for this study, we used data collected in the following categories:
- Interstate Speeding Fatalities per Mile of Interstate
- Percent of Drivers without Seatbelts
- Highway Bridges Rated Obsolete or Deficient
- Highway Deaths per 1,000 Highway Miles Traveled
- Federal Funding
- IIHS Death Rates
The information we collected came from the following sources:
- The National Highway Traffic Safety Administration
- The Federal Highway Administration
- The United States Census Bureau
- The Insurance Institute for Highway Safety
Our rankings for each category range from one to 51, encompassing the District of Columbia, where the lowest score indicates the state with the safest highways and the highest score denotes the state with the most hazardous highways in each specific category. This includes considerations such as the recent 10 Freeway fire in Los Angeles and overall road ranking assessments.
Complete Rankings: Safest Highways by State
Here are the complete rankings for every state and D.C. in regards to our study about the safest highways by state. It is ranked in alphabetical order with the state’s overall ranking on the far right column.
Safest Highways by States [2016]
STATE | INTERSTATE SPEEDING FATALITIES PER MILE OF INTERSTATE | PERCENT OF DRIVERS W/O SEATBELTS | HIGHWAY BRIDGES RATED OBSOLETE OR DEFICIENT | HIGHWAY DEATHS PER 1,000 HIGHWAY MILES TRAVELED | FEDERAL FUNDING | IIHS DEATH RATES | TOTAL SCORE | SAFEST HIGHWAYS RANK |
---|---|---|---|---|---|---|---|---|
Alabama | 24 | 12 | 32 | 37 | 20 | 46 | 171 | 33 |
Alaska | 2 | 21 | 22 | 51 | 1 | 16 | 113 | 4 |
Arizona | 47 | 33 | 8 | 45 | 42 | 32 | 207 | 50 |
Arkansas | 7 | 48 | 16 | 42 | 13 | 45 | 171 | 33 |
California | 49 | 2 | 39 | 13 | 48 | 10 | 161 | 27 |
Colorado | 30 | 34 | 28 | 26 | 41 | 17 | 176 | 38 |
Connecticut | 41 | 24 | 42 | 29 | 22 | 8 | 166 | 28 |
Delaware | 51 | 11 | 19 | 1 | 10 | 28 | 120 | 7 |
District of Columbia | 43 | 18 | 51 | 28 | 7 | 1 | 148 | 20 |
Florida | 36 | 23 | 9 | 32 | 49 | 34 | 183 | 42 |
Georgia | 26 | 7 | 5 | 34 | 31 | 31 | 134 | 13 |
Hawaii | 50 | 4 | 47 | 11 | 34 | 11 | 157 | 24 |
Idaho | 15 | 42 | 35 | 37 | 11 | 30 | 170 | 32 |
Illinois | 37 | 6 | 26 | 17 | 44 | 9 | 139 | 16 |
Indiana | 22 | 15 | 24 | 24 | 22 | 29 | 136 | 15 |
Iowa | 3 | 9 | 7 | 21 | 17 | 27 | 84 | 2 |
Kansas | 13 | 37 | 12 | 30 | 28 | 37 | 157 | 24 |
Kentucky | 17 | 35 | 29 | 31 | 21 | 41 | 174 | 36 |
Louisiana | 35 | 41 | 37 | 47 | 19 | 39 | 218 | 51 |
Maine | 1 | 32 | 40 | 3 | 24 | 26 | 126 | 10 |
Maryland | 46 | 8 | 20 | 10 | 47 | 12 | 143 | 17 |
Massachusetts | 28 | 49 | 50 | 9 | 50 | 2 | 188 | 45 |
Michigan | 33 | 5 | 37 | 15 | 46 | 20 | 156 | 23 |
Minnesota | 9 | 13 | 2 | 4 | 34 | 7 | 69 | 1 |
Mississippi | 12 | 45 | 18 | 40 | 15 | 50 | 180 | 39 |
Missouri | 27 | 44 | 21 | 25 | 16 | 35 | 168 | 30 |
Montana | 8 | 46 | 26 | 49 | 4 | 49 | 182 | 40 |
Nebraska | 5 | 36 | 3 | 26 | 18 | 25 | 113 | 4 |
Nevada | 20 | 10 | 15 | 33 | 26 | 21 | 125 | 9 |
New Hampshire | 40 | 51 | 34 | 14 | 32 | 14 | 185 | 43 |
New Jersey | 45 | 16 | 44 | 7 | 37 | 5 | 154 | 21 |
New Mexico | 21 | 17 | 4 | 48 | 11 | 42 | 143 | 17 |
New York | 19 | 19 | 48 | 5 | 51 | 3 | 145 | 19 |
North Carolina | 38 | 20 | 33 | 19 | 43 | 36 | 189 | 46 |
North Dakota | 10 | 43 | 1 | 18 | 3 | 48 | 123 | 8 |
Ohio | 29 | 31 | 35 | 16 | 39 | 18 | 168 | 30 |
Oklahoma | 32 | 29 | 17 | 36 | 14 | 47 | 175 | 37 |
Oregon | 14 | 1 | 41 | 7 | 30 | 15 | 108 | 3 |
Pennsylvania | 42 | 30 | 46 | 23 | 33 | 23 | 197 | 48 |
Rhode Island | 23 | 38 | 49 | 12 | 9 | 4 | 135 | 14 |
South Carolina | 44 | 22 | 30 | 40 | 25 | 44 | 205 | 49 |
South Dakota | 4 | 50 | 10 | 44 | 6 | 40 | 154 | 21 |
Tennessee | 18 | 28 | 13 | 35 | 27 | 38 | 159 | 26 |
Texas | 48 | 14 | 11 | 39 | 37 | 33 | 182 | 40 |
Utah | 31 | 26 | 13 | 43 | 40 | 13 | 166 | 28 |
Vermont | 6 | 27 | 43 | 22 | 5 | 24 | 127 | 11 |
Virginia | 34 | 39 | 23 | 20 | 36 | 19 | 171 | 33 |
Washington | 25 | 3 | 45 | 6 | 45 | 6 | 130 | 12 |
West Virginia | 39 | 25 | 31 | 46 | 8 | 43 | 192 | 47 |
Wisconsin | 16 | 40 | 5 | 2 | 29 | 22 | 114 | 6 |
Wyoming | 11 | 47 | 25 | 50 | 2 | 51 | 186 | 44 |
Read more about our safest highways by state map’s full stats and sources for each category. For all media inquiries, please email: [email protected]
Beyond risking lives, the safety of highways within a state significantly influences auto insurance rates. States experiencing higher traffic fatalities or frequent accident claims often face elevated average auto insurance premiums. Interstate highways, considered among the safest roads, and identifying the most secure state in the USA are critical factors in determining insurance costs.
To find out the best auto insurance for you based on your location and demographic information, just insert your ZIP code into our online quote comparison tool below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Why is Interstate 4 so dangerous?
Interstate 4 is deemed highly perilous due to a combination of factors that create a daunting driving experience. These include heavy traffic volume, a high number of commercial vehicles, numerous construction zones, and more. This situation underscores the broader context of dangerous mountain roads in the USA, highlighting that Florida, where I-4 is located, is among the most dangerous states to drive in, featuring some of the deadliest highways in America.
What is the safest driving state?
In our study of the safest highways per state, Minnesota is ranked No. 1, scoring second-best in the number of obsolete or deficient bridges.
Minnesota also ranked first in our most recent best drivers ranking, with scores in the top six of all states for the subcategories, including being the safest state for careless driving with the lowest rate of pedestrian and bicyclist deaths.
What is the most traveled interstate in America?
According to data from the Federal Highway Administration (FHWA), the busiest interstate in the United States is I-405 in Los Angeles, accommodating approximately 379,000 vehicles daily. California, Texas, and Florida have the highest traffic volumes on interstates overall, with California alone recording 84.7 billion interstate travelers based on FHWA statistics. These figures highlight the significant traffic volumes across all highways, influencing discussions on the safest roads in America and the best roads by state.
What state has the most aggressive drivers?
While it can be tough to gauge which states have the most aggressive drivers, there are certain states that turn up frequently on worst drivers lists. Those include South Carolina, New Mexico, Texas, Louisiana, and others. Drivers in these states have major problems often with speeding or drunk driving, and almost always with the number of traffic deaths per 100 million miles driven.
What is the deadliest road in the world?
While the North Yungas Road in Bolivia (also termed the “Road of Death”) is considered to be the deadliest road in the world, all those considered on these types of lists have similar characteristics: high drop-offs, uneven and unpaved roads, weather conditions that obstruct visibility, and drivers that often try risk maneuvers.
Are highways safe?
Highways can vary in safety depending on factors like traffic volume, infrastructure maintenance, and driver behavior. Generally, highways are designed for higher speeds and can be safer than local roads due to fewer intersections and controlled access.
Are highways safer than roads?
Highways are a type of road designed for higher-speed travel and often have safety features like limited access points and controlled intersections, which can make them safer than local roads where traffic patterns and conditions may vary more widely.
Are interstates safer than highways?
Interstates, which are a category within highways, generally adhere to more rigorous design criteria and maintenance protocols mandated by federal regulations. This focus on standardization in safety features and upkeep practices often positions interstates as among the safest highways in the US and the best highways in the US. Additionally, certain interstates, such as those that traverse multiple states, play crucial roles in connecting regions across the country.
What state has the safest drivers?
According to various studies and rankings, states like Minnesota, Iowa, and Massachusetts are often cited as having some of the safest drivers based on factors like traffic fatalities, adherence to traffic laws, and overall driving behavior.
In what countries do they drive on the left side of the road?
Countries where people drive on the left side of the road include the United Kingdom, Australia, Japan, India, and many former British colonies. This driving practice is often influenced by historical reasons and traffic flow considerations.
Is the highway the safest place to drive?
Highways can be safer than other types of roads due to controlled access points, higher speed limits, and fewer potential hazards like intersections. However, safety ultimately depends on factors like driver behavior, weather conditions, and road maintenance.
What are the safest roads to drive on?
Interstates and well-maintained highways with controlled access points and modern safety features tend to be among the safest roads to drive on. Factors like low traffic density and good visibility also contribute to road safety.
What country has the safest roads?
Countries such as Sweden, Norway, and the Netherlands are frequently cited for having some of the safest roads globally. This is due to rigorous road safety policies, effective infrastructure design, and a strong emphasis on driver education and enforcement of traffic laws.
What highway goes through the most states?
Interstate 90 is one of the longest interstates in the United States, running from Seattle, Washington, to Boston, Massachusetts, and passing through 13 states along its route, making it one of the highways that goes through the most states.
What is the deadliest interstate in America?
Interstate 4 in Florida is often cited as one of the deadliest interstates in America due to its high traffic volume, frequent accidents, and challenging driving conditions exacerbated by construction projects and rapid urban growth.
What is the most dangerous highway?
Various highways across different states can be considered dangerous depending on factors like traffic density, weather conditions, and road infrastructure. Interstate 4 in Florida and Interstate 285 in Georgia are among those noted for challenging driving conditions.
What state has the best highways?
States like North Dakota, Iowa, and Minnesota are often praised for having well-maintained highways with low accident rates and efficient traffic flow. These states prioritize infrastructure investment and safety measures on their roadways.
What state has the best roads?
States such as Wyoming, Nebraska, and Idaho are known for having well-maintained roads that provide smooth driving conditions and good visibility. These states often invest in infrastructure upkeep to ensure safe and efficient travel.
What state has the most freeways?
California has the highest number of freeways in the United States due to its extensive urban areas and high population density. Freeways are essential for managing traffic flow and connecting major cities and regions within the state.
What state has the most highways?
Texas has the most extensive highway system in the United States, covering vast distances and connecting major cities and rural areas across the state. This extensive network supports Texas’s economy and facilitates transportation logistics.
What state has the most interstates?
Pennsylvania is often noted for having the highest number of interstate highways, totaling 16 interstates that cross the state and connect major cities along the East Coast and Midwest regions of the United States.
What state has the most roads?
Texas has the largest road network in the United States, encompassing a vast network of highways, freeways, and rural roads that span across its expansive geography. This extensive road infrastructure supports Texas’s diverse transportation needs.
Which states are the safest?
States such as Minnesota, Massachusetts, and Utah consistently rank among the safest states in the United States, with low crime rates, effective healthcare systems, and well-maintained road infrastructure contributing to their high safety ratings.
Which states have the worst roads?
Rhode Island, Hawaii, and California consistently rank among the states with the worst roads due to issues such as potholes, traffic congestion, and overall infrastructure deficiencies. These states encounter difficulties in maintaining their road networks, attributed to heavy traffic flow, environmental impacts, and aging infrastructure.
What are the worst interstates in the US?
The worst interstates in the US are typically identified based on factors such as high accident rates, congestion, poor road conditions, and lack of safety features. Some of the most notoriously dangerous and problematic interstates include:
- Interstate 4 (I-4): Running through Florida, it has been frequently cited as one of the most dangerous interstates in America due to a high number of traffic fatalities per mile.
- Interstate 45 (I-45): Located in Texas, particularly the stretch between Houston and Dallas, is known for high accident rates and heavy traffic.
- Interstate 95 (I-95): Spanning the East Coast from Florida to Maine, it is known for heavy congestion, especially in urban areas like Washington D.C., New York City, and Miami.
- Interstate 10 (I-10): Running from California to Florida, it has sections, particularly in Texas and Louisiana, that are prone to high traffic accidents and poor road conditions.
- Interstate 285 (I-285): Known as “The Perimeter” around Atlanta, Georgia, it is notorious for heavy traffic, high-speed accidents, and complex interchanges.
What are the worst roads in America by state?
The worst roads in America by state are often determined by factors such as potholes, poor maintenance, congestion, and high accident rates. Here are some examples of states with notably bad roads:
- California: Known for some of the worst road conditions in urban areas like Los Angeles and San Francisco, with significant issues like potholes, heavy traffic, and aging infrastructure.
- Michigan: Especially in Detroit and other major cities, roads are plagued with potholes and crumbling infrastructure due to harsh winters and a lack of funding for repairs.
- New Jersey: Known for congested roads and poor pavement conditions, particularly in areas around Newark and Jersey City.
- Louisiana: Roads are often in poor condition, with significant issues related to potholes and erosion, especially in rural areas and regions prone to flooding.
- Hawaii: Despite being a small state, Hawaii’s roads suffer from frequent damage due to volcanic activity, saltwater erosion, and heavy tourist traffic, leading to potholes and rough surfaces.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.