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Having lived in most of those cities and in Miami I can say Miami is definitely the most dangerous driving I've seen. And my car insurance company certainly seems to agree.

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Most Americans don't understand that Miami is full of expats from the caribbean and latin america, some of whom may be here illegally, and so can't get a driver's license. They also may have grown up in places where they didn't get a drivers license or learn the rules. So they literally aren't supposed to be driving and never learned how. Because they can't legally drive a car, they buy a beater second-hand for cash, and it's never inspected, and of course falls apart and causes accidents. Add to that the crime in general, and yeah, insurance is $$$$$, and lots of crazy driving. (It's a minority of people, but enough that it creates more extreme outlier events than in most states)

Not to mention The Ticket Clinic, a private service to pay a small fee to get out of traffic court. I probably had 10 different traffic violations thrown out, for $80 a pop, when I grew up there in the 00's.

This right here.

I currently live in Miami. I've lived all over the country. I'm from NYC burbs. I thought NYC drivers sucked before I moved here almost a decade ago.

Miami's drivers are horrible, mostly because most of the people here have never been trained to actually drive.

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