Autos

The Most Dangerous States to Drive In

10. Kentucky
> Average auto fatalities per 100,000: 18.3
> Auto fatalities/year: 784 (20th most)

> Lifetime medical costs due to 1-yr. auto accidents: $6,410,980 (22nd highest)
> Lifetime work loss costs due to 1-yr. auto accidents: $789,411,765 (19th highest)
> Pct. commuters traveling 30 mins. or more: 28.39% (16th lowest)

From 2007 through 2009, Kentucky had an average of 18.3 motor vehicle-related fatalities for every 100,000 people a year. Although Kentucky is the nation’s 26th-most populous state, it had the 20th-highest number of auto fatalities each year over that time frame, averaging of 784 per year. It is estimated that Kentucky auto fatalities cost the state more than $789 million in lifetime work losses in a given year. The absence of laws mandating that motorcycle riders wear helmets and a failure to meet the American Academy of Pediatrics (AAP) standards requiring kids under eight years old to wear booster seats have both likely contributed to Kentucky’s poor record. To help encourage citizens to be safe drivers, police departments across the state have pledged to enforce the nationwide Click It or Ticket initiative in 2012.

9. Oklahoma
> Average auto fatalities per 100,000: 19.5
> Auto fatalities/year: 711 (21st most)
> Lifetime medical costs due to 1-yr. auto accidents: $5,896,988 (23rd highest)
> Lifetime work loss costs due to 1-yr .auto accidents: $657,831,325 (22nd highest)
> Pct. commuters traveling 30 mins. or more: 24.91% (10th lowest)

Oklahoma averaged 711 fatalities each year from auto accidents between 2007 and 2009, or 19.5 for every 100,000 residents. In one year, medical costs incurred from the state’s auto injury fatalities were estimated at just under $5.9 million. Oklahoma has yet to adopt mandatory ignition locks for all convicted drunk drivers, universal helmet laws for motorcyclists, or booster seat requirements for all children under eight. Oklahoma has had a primary seat belt law on the books since 1987, but fines first-time offenders only $20 for being unbuckled. Only seven states with primary seat belt laws levy lower fines. Recently, motor vehicle fatalities have actually increased. The Oklahoma Department of Public Safety reported an uptick in auto fatalities in March 2012. Compared to the same month last year, there were 20 more fatalities for a total of 59.

8. West Virginia
> Average auto fatalities per 100,000: 19.8
> Auto fatalities/year: 359 (18th fewest)
> Lifetime medical costs due to 1-yr, auto accidents: $2,938,686 (18th lowest)
> Lifetime work loss costs due to 1-yr. auto accidents: $289,051,095 (16th lowest)
> Pct. commuters traveling 30 mins. or more: 33.11% (17th highest)

Of the states with the highest auto fatality rates, West Virginia was one of the few with a large percentage of commuters traveling at least 30 minutes to work each day. Between 2007 and 2009, West Virginia averaged 359 auto fatalities each year, or 19.8 per 100,000 people. According to estimates, auto fatalities in one year cost the state $289 million in lost productivity. Of the four policies highlighted by the report, the state has adopted two — mandatory helmets and booster seats — but remains one of only 18 states that does not have a primary seat belt law.

7. Louisiana
> Average auto fatalities per 100,000: 20.2
> Auto fatalities/year: 897 (15th most)
> Lifetime medical costs due to 1-yr. auto accidents: $7,363,795 (18th highest)
> Lifetime work loss costs due to 1-yr. auto accidents: $1,109,612,984 (8th highest)
> Pct. commuters traveling 30 mins. or more: 31.71% (22nd highest)

Louisiana had the seventh-highest annual average rate of auto injury fatalities per 100,000 residents from 2007 to 2009, at 20.2. The estimated lifetime work loss costs due to fatalities from accidents in one year exceeded $1.1 billion, which is eighth highest, according to CDC estimates. Though Louisiana’s traffic safety figures are alarming, the state is taking steps to remedy the situation. It is one of only 16 states with a mandatory ignition lock for all convicted drunk drivers, one of 18 to make helmets mandatory for all motorcyclists, and one of 32 with a primary seat belt law. The problem, it seems, are not the laws but ineffective enforcement. According to an NHTSA report, only 75.9% of Louisiana drivers wore seat belts in 2010, the lowest among all states with primary seat belt laws.

6. South Carolina
> Average auto fatalities per 100,000: 21.0
> Auto fatalities/year: 944 (13th most)
> Lifetime medical costs due to 1-yr. auto accidents: $7,702,929 (16th highest)
> Lifetime work loss costs due to 1-yr. auto accidents: $966,527,197 (12th highest)
> Pct. commuters traveling 30 mins. or more: 31.11% (23rd highest)

Over the three-year span ending in 2009, South Carolina averaged 21 vehicle-related deaths per 100,000 people. Despite being the 24th-most populous state in the country, it had more auto fatalities than all but 12 other states. A single year of vehicle-related fatalities is estimated to cost the state more $7 million in lifetime medical expenses, and just under $1 billion in lost productivity. Likely contributions to South Carolina’s poor record are the absence of laws requiring all convicted drunk drivers to have ignition interlocks, motorcyclists to wear helmets, and children under eight to use booster seats. Additionally, the South Carolina Senate recently changed a bill that would have banned texting while driving for all drivers with one that prohibits texting only for drivers under 18.

Sponsored: Tips for Investing

A financial advisor can help you understand the advantages and disadvantages of investment properties. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

Investing in real estate can diversify your portfolio. But expanding your horizons may add additional costs. If you’re an investor looking to minimize expenses, consider checking out online brokerages. They often offer low investment fees, helping you maximize your profit.