Proud to see Massachusetts NOT on the list!  Across the nation, the typical American driver should expect to suffer some kind of car accident once every 10 years, according to the insurance companies which have to cut checks for those crashes. Yet that figure varies widely based on where you live, and the city with America's worst drivers get into accidents twice as often as the national average -- and in the worst 10 U.S. cities, geography plays a big role in making driving more dangerous.

Claims data was collected for 195 cities filed between January 2009 and December 2010 to determine how likely it was for a driver in those cities to get into a fender bender. For the fifth time, Sioux Falls, S.D. ranked as the city with the best drivers, who are 27.6 percent less likely to get into a crash than the national average. Close behind: Boise, Idaho; Fort Collins, Colo.; Madison, Wisc., and Lincoln, Neb.

While it would seem logical for smaller cities to have safer roads, and crash rates are generally worse in more populated areas, there are a few large cities -- namely Phoenix, Tucson and Indianapolis -- whose drivers outperform the national average. Philadelphia, Miami and San Francisco crack the list of 10 cities with the worst drivers, but are outpaced in wretched wheeling by several smaller towns.

Top 10 Cities With America's Worst Drivers

2012 Ranking		2011 Ranking	Chance of accident vs. nat. avg.
1.	Washington, D.C.	1	112%
2.	Baltimore	2	88%
3.	Providence, R.I.	5	81%
4.	Hialeah, Fla.	11	78%
5.	Glendale, Calif.	3	76%
6.	Philadelphia	6	64%
7.	Alexandria, Va.	10	63%
8.	Newark, N.J.	4	59%
9.	Miami	16	58%
10.	San Francisco	9	55%

Although you can't control what other people do, but you can control what you do -- driving a little slower, being more careful, even extending some courtesy on the road, and of course having a solid car insurance policy!