Seattle Drivers: One of the worst

Car accidents are not uncommon in Seattle. In fact, most of us see them every day on our daily commute to work. Unfortunately, car accidents have become part of Seattle driving. The rate of accidents have become so bad in recent years that Seattle now ranks a pathetic 184th among 200 U.S. cities in ones ability to avoid crashing into one another.

For over 20 years of keeping this data, this year’s ranking marks Seattle’s worst performance ever. We have dropped to the bottom 20 cities, down from 173rd last year.

Have Seattle drivers ever been good for one year? Our best year was in 2010, when Seattle ranked 128th out of 200.

Data from Allstate Insurance claims that current Seattle drivers go just 6.9 years between car accidents, and are 40.7% more likely to get in an accident than the average American driver.

Seattle is not the only Washington city in the mix. Bellevue, almost just as bad, ranks 174th out of 200 for avoiding car accidents, and lasts a mere average 7.1 years between car accidents. Overall, both Seattle and Bellevue rank in the bottom 15th percentile for collisions. Below Seattle and Bellevue include Los Angeles, Philadelphia, San Francisco, Gelndale (CA), Providence (RI), Springfield (MA), Washington (D.C.), Baltimore, Worcester (MA), and Boston (at the bottom). The safest city to drive in is Kansas City, averaging 13.3 years between accidents. Below Kansas city include Brownsville (TX) (~13.2 years), and Boise (13.1 years) respectively. The safest northwest cities to drive in include Biose, Eugene, Spokane and Vancouver. The most dangerous in the northwest are Salem, Tacoma, Bellevue, Portland, and Seattle. Unfortunately, Boston remains the most dangerous city to drive in the nation, where a motorist averages 3.9 years before a crash.

As a result of this data, it is important that you are properly insured with a suitable auto insurance policy. By contacting Magnolia Insurance, we can assist you to find the right auto package for a stress-free driving experience that is protected.


Magnolia Insurance | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Sources: The Seattle Times, Allstate Insurance


Curious about that collision-avoidance technology in cars these days?

In many of today’s advertisements, car companies are marketing innovative accident-avoidance technology in their cars, which includes instant (automatic) braking via detectable radars. According to an article by “Auto Guide”, “These systems work with a combination of lasers, radar or cameras, to detect objects in front of a vehicle. If a crash is deemed imminent, the vehicle will grab the brakes automatically to avoid a collision or at least mitigate the effect of the crash.” Even better, having such technology in your car will reduce your likelihood of car accidents, and ultimately keep your auto insurance premiums low.

The Insurance Institute for Highway Safety (IIHS) ran a test of 19 new cars with front-crash avoidance systems to the test. 14 of the 19 cars earned a “Superior” rating, which are vehicles that have an auto brake system that can avoid a crash or substantially reduce speeds in both tests. 5 of the 19 cars earned an “Advanced” rating, which are vehicles that musthave auto brake and avoid a crash or reduce speeds by at least 5 mph.

Superior car models included: 2016 Acura ILX, MDX, RDX and RLX; 2016 BMW X3; 2015 Chrysler 300 and its twin, the 2015 Dodge Charger; 2015 Mercedes-Benz C-Class (both Collision Prevention Assist Plus and Pre-Safe Brake equipped versions), CLA (both Collision Prevention Assist Plus and Distronic Plus equipped versions) and E-Class; and the 2016 Mazda 6 and CX-5.

Advanced car models were: 2016 Volkswagen Golf, Golf SportWagen, Jetta and 2015 Volkswagen Touareg. The BMW X3 is rated an Advanced with the camera-only system called City Braking Function, while adding the camera- and radar-based system bumps it up to Superior.

While most of these technologies belong to upscale cars, there are still more reasonable options. The Chrysler 300, Dodge Charger, Mazda6 and CX-5 are all better priced with superior braking systems.

Overall, this technology has been greatly on the rise. 27% of cars today offer some form of automatic braking, up from 12% in 2012.  There is also warning crash technology, which does not relate to the automatic braking, which is in more than 50% of all cars on the market today.


While the person behind the wheel plays the most important role in driving quality, these are nice luxuries that are worth investing in. For the safety of the passengers and yourself, consider investing in this technology for your next (or first) automobile. Plus, this technology can reduce your likelihood of paying higher auto insurance premiums and stay out of accidents more often. Overall, this is a long-term benefit, and while insurance is our specialty, we want you to have fun with your friends and family out on the road.

Questions, comments, concerns? Contact us at Magnolia Insurance Agency.


Magnolia Insurance | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Young Driver Insurance: Suggestions and Advice

When teens just graduate high school, they are looking for a sense of independence. Whether this means living away from home, going to college out-of-town, working a new job, or driving a car, it is important to stay connected with your family!

According to “Insurance Journal”, it is important to remain under your parent’s insurance policies (for most states in America) until you consider living away from homeFor financial stability and long-term insurance coverage, consistent communication with family, friends, and co-workers is everything. for at least a year. Auto insurance in particular saves much more money when insured under your parents.

On average, 18-yr olds pay 18% more for car insurance if they sign up for an individual policy as opposed to remaining under their parent’s policies. This number varies by states, so the percent change could potentially be worse. Only in Arizona, Hawaii, and Illinois it is cheaper to establish insurance policies independent from your parents after age 19.

Since teen drivers are known to be higher risk on the road (especially those just getting their licenses and learning to drive), getting individual auto policies already add to the high cost of insurance a teen driver. Insurance journal states that parents with an 18-yr old on their policy pay an average of 77% more than they would without the teen. This number is certainly high, but would be much higher if the teen was independently insured.

The bottom line for investing in insurance comes with experience. Young drivers have a very limited track record, not much credit history and therefore it is harder for the insuring auto company to establish a foundation of trust and credibleness for the driver. As a teen driver ages and develops his driving ability, his premium lowers (assuming one keeps a clean driving record), and bottoms out after age 24.

So our advice from Magnolia Insurance is to stay connected with your family! For financial stability and long-term insurance coverage, consistent communication with family, friends, and co-workers is everything. Besides, there is nothing like a weekend family getaway or game night. If you go to college out-of-state, it only takes ~5-10 minutes to call or text home.

When you are ready to move out from home, graduate from college, and/or live independently on your own finances, then it is important to look at independent insurance. We will discuss this more in the next couple blog posts!


How do you think we are doing? Please let us know by contacting us at Magnolia Insurance Agency.


Magnolia Insurance | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199