Revealed – the safest and most dangerous cities in America in 2022

According to the New York-based Kneller Insurance Agency, insurers often use a person’s address to collect crime reports from local police to determine the risk.

“Regions that experience more pollution and damage also raise claims and prices,” the company wrote in a blog post on its website. “Since insurers operate on a risk basis, they see an increase in crime as an opportunity to file a claim for vandalism or theft.” As a result, the price increases because of such a high risk. “

Insurtech CoverHound, meanwhile, explained that policyholders should not be held responsible for their premiums to rise.

“Even if you are not a victim of crime, your rates may increase,” said the company. “That’s because insurance companies give rates based on public risk, and if you live in a bad neighborhood, then your neighbors are more likely to file complaints, which will affect your rates.”

Read more: “Unprecedented” increase in car thefts – insurance offices warn

Violent crimes are on the rise

A recent survey of crime by the Council on Criminal Justice (CCJ) shows that reports of violence have been on the rise in the country’s major cities. The data collected by the group showed the number of people killed in the last few years, while the figures for 2021 increased by 5% from 2020 but increased by 44% from 2019.

According to the study, the increase was mainly due to the “difficulties of the epidemic and changes in police practices.”

Homicide rates, meanwhile, have fallen sharply since the 1990s, with the CCJ survey recording almost half the number of incidents compared to 29 years ago. In 2021, there will be 15 deaths per 100,000 people, up from 28 per 100,000 in 1993.

Richard Rosenfeld, a criminologist at the University of Missouri-St. Louis and the author of the study, said that the additional reasons, especially the number of murders, vary from year to year. In 2020, for example, events escalated after the killing of George Floyd, which led to calls for justice and police reform, and led to riots in cities across the country.

“The riots that followed the killing of George Floyd in Minneapolis may have caused it [increased homicides]but the difference across cities in 2021 shows that local factors are becoming more important,” Rosenfeld told CBS News in an interview.

Read more: A serious jump in violence could make this tool the “next cyber” of the industry.

The 10 safest cities in the US in 2022

To determine America’s safest cities, fintech firm SmartAsset analyzed data from the nation’s 200 largest cities using five criteria – violent and property crimes, car and drug-related deaths, and alcohol and drug use. excessively.

To find annual home insurance premiums in each area, for example, Insurance Business used Insurance.com’s home insurance calculator. The figures below are for $200,000 with a $1,000 deductible and a $100,000 copayment. For car insurance rates, we mentioned The Zebra car insurance calculator. Coverage is for a 40-year-old homeowner with a 2020 car payment with an existing plan.

Here are the cities that made it to the top 10 on SmartAsset’s list.

1. Frisco, Texas

Violent crime rate: 86 per 100,000 people

Property crime rate: 972 per 100,000 residents

Traffic fatality rate: 6.3 per 100,000 residents

Drug-related death rate: 7.3 per 100,000 residents

% of people who drink alcohol: 18.66%

Safety index: 100

Average annual home insurance premium: $2,980

Average annual car insurance: $1,464 to $1,788

2. McKinney, Texas

Violence rate: 134 per 100,000 residents

Property crime rate: 936 per 100,000 residents

Traffic fatality rate: 6.3 per 100,000 residents

Drug-related death rate: 7.3 per 100,000 residents

% of people who drink alcohol: 18.66%

Safety index: 98.63

Average annual home insurance premium: $3,080

Average annual car insurance: $1,500 to $1,836

3. Santa Clarita, California

Violent crime rate: 131 per 100,000 people

Property crime rate: 907 per 100,000 people

Traffic fatality rate: 8 per 100,000 residents

Drug-related homicides: 10.5 per 100,000 residents

% of people who drink alcohol: 17.81%

Safety index: 98.13

Average home insurance: $886

Average annual car insurance: $1,416 to $1,740

4. Sunnyvale, California

Crime rate: 149 per 100,000 residents

Property crime rate: 2,062 per 100,000 people

Traffic fatality rate: 6.5 per 100,000 residents

Drug-related deaths: 9.4 per 100,000 residents

% of people who drink alcohol excessively: 16.92%

Safety index: 97.63

Average home insurance: $634

Average annual car insurance: $1,368 to $1,668

5. Glendale, California

Violent crime rate: 103 per 100,000 people

Property crime rate: 1,597 per 100,000 people

Traffic fatality rate: 8 per 100,000 residents

Drug-related homicides: 10.5 per 100,000 residents

% of people who drink alcohol: 17.81%

Safety index: 95.26

Average home insurance: $809

Average annual car insurance: $1,860 to $2,268

read more: Where is your customer’s car most likely to be stolen?

6. McAllen, Texas

Violent crime rate: 85 per 100,000 people

Property crime rate: 1,931 per 100,000 people

Traffic fatality rate: 10.2 per 100,000 residents

Drug-related death rate: 3.8 per 100,000 inhabitants

% of people who drink alcohol excessively: 14.65%

Safety index: 94.13

Average annual home insurance premium: $3,146

Average annual car insurance: $1,200 to $1,476

=7. Cary, North Carolina

Violence rate: 66 per 100,000 residents

Property crime rate: 946 per 100,000 residents

Traffic fatality rate: 7.3 per 100,000 residents

Drug-related deaths: 12.4 per 100,000 residents

% of people who drink alcohol: 18.31%

Safety index: 93.88

Average annual home insurance premium: $1,106

Average annual car insurance: $1,356 to $1,656

=7. Santa Clara, Calif.

Violent crime rate: 156 per 100,000 people

Property crime rate: 2,501 per 100,000 people

Traffic fatality rate: 6.5 per 100,000 residents

Drug-related deaths: 9.4 per 100,000 residents

% of people who drink alcohol excessively: 16.92%

Safety index: 93.88

Average home insurance: $628

Average annual car insurance: $1,320 to $1,608

9. Plano, Texas

Violent crime rate: 155 per 100,000 people

Property crime rate: 1,645 per 100,000 people

Traffic fatality rate: 6.3 per 100,000 residents

Drug-related death rate: 7.3 per 100,000 residents

% of people who drink alcohol: 18.66%

Safety index: 93.63

Average annual home insurance premium: $3,043

Average annual car insurance: $1,464 to $1,788

10. Torrance, California

Violent crime rate: 191 per 100,000 people

Property crime rate: 2,046 per 100,000 people

Traffic fatality rate: 8.0 per 100,000 residents

Drug-related homicides: 10.5 per 100,000 residents

% of people who drink alcohol: 17.81%

Safety index: 88.26

Average home insurance premium: $722

Average annual car insurance: $1,344 to $1,644

The 10 most dangerous cities in the US in 2022

A study by analytics firm NeighborhoodScout, meanwhile, revealed the most dangerous cities in America based on data from all 18,000 law enforcement agencies across the country. The company categorized each city based on violent crime and likelihood of being victimized. These are the ones that came out on top.

1. Monroe, Louisiana

Crime rate: 29.4 per 1,000 people

Chances of becoming a victim: 1 in 34

Average annual home insurance premium: $2,166

Average annual car insurance: $2,280 to $2,784

2. Memphis, Tennessee

Crime rate: 24.2 per 1,000 people

Chances of becoming a victim: 1 in 41

Average annual home insurance premium: $2,615

Average annual car insurance: $4,296 to $5,256

3. Saginaw, Michigan

Violent crime rate: 23.8 per 1,000 people

Chances of becoming a victim: 1 in 42

Average annual home insurance premium: $1,964

Average annual car insurance: $2,196 to $2,688

4. Detroit, Michigan

Violent crime rate: 22.6 per 1,000 people

Chances of becoming a victim: 1 in 44

Average annual home insurance premium: $2,720

Average annual car insurance: $3,312 to $4,044

5. St. Louis, Missouri

Violence rate: 20 per 1,000 people

Chances of becoming a victim: 1 in 50

Average annual home insurance premium: $2,641

Average annual car insurance: $2,064 to $2,532

Read more: Mass shootings increase the need for crime insurance

6. Alexandria, Louisiana

Violent crime rate: 18.8 per 1,000 people

Chances of becoming a victim: 1 in 53

Average annual home insurance premium: $2,185

Average annual car insurance: $2,796 to $3,420

=7. Pine Bluff, Arkansas

Violence rate: 18.1 per 1,000 people

Chances of becoming a victim: 1 in 55

Average home insurance: $3,030

Average annual car insurance: $1,788 to $2,184

=7. Little Rock, Arkansas

Violence rate: 18.1 per 1,000 people

Chances of becoming a victim: 1 in 55

Average annual home insurance premium: $3,032

Average annual car insurance: $1,428 to $1,740

9. Albany, Georgia

Violent crime rate: 17.7 per 1,000 people

Chances of becoming a victim: 1 in 56

Average annual home insurance premium: $2,086

Average annual car insurance: $1,404 to $1,704

10. South Bend, Indiana

Crime rate: 17.1 per 1,000 people

Chances of becoming a victim: 1 in 59

Average annual home insurance premium: $1,854

Average annual car insurance: $1,386 to $1,668