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America's best drivers: Go West, study says

Fort Collins, Colo.
Source: Wikipedia
Fort Collins, Colo.

Drive into Fort Collins, Colo., and you'll be struck by the charm of a city nestled just east of the Rocky Mountains. The city, home of Colorado State University and the Fat Tire line of microbrews, is now known for something else.

It's the U.S. city where you are least likely to get into an auto accident.

Allstate Insurance has released its annual Best Drivers Report, which ranks 195 metropolitan areas where you have the highest and lowest likelihood of getting into an auto accident.

(Read more: Age of cars in America climbs to all-time high)

Fort Collins topped the list this year, followed by Boise, Idaho, and Sioux Falls, S.D., which led the last year.

Midsize cities, less congestion

According to Allstate, people in Fort Collins go an average of 13.9 years between accidents. That's the longest stretch among the cities ranked and slightly longer than the 13.8 years for Boise and 12.8 years for Sioux Falls.

(Read more: The cheapest—and most expensive—cars to drive)

What do they all have in common?

They are less congested, so the accident rate is lower. In fact, the likelihood of getting into an accident in Fort Collins is 28.2 percent below the national average.

The top three cities have populations of under 250,000.

The worst cities for accidents

Want to avoid a fender bender? Don't drive in Washington, where the calculations say drivers go just 4.8 years between accidents.

(Read more: Consumer Reports gives a Chevy its highest rating)

According to Allstate, Washington ranks as the city you are most likely to be in a car crash.

The nation's capital is last on the AllState list, right behind Baltimore, and Providence, R.I.

—By CNBC's Phil LeBeau. Follow him on Twitter @LeBeauCarNews.

Questions? Comments? BehindTheWheel@cnbc.com.

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