The insurance company takes into account the average years between claims, relative claim likelihood compared to the national average and hard breaking events per 1,000 miles, as well as precipitation.
Baltimore drivers had an average of 3.8 years between claims, the shortest amount of time on the list. Brownsville, Texas, ranked safest on the list, with an average of 13.6 years between claims.
Drivers in Baltimore were also 163 percent more likely to file claims, compared to the national average, the report states.
Washington D.C. appears as No. 198 on the list for both regular and precipitous driving conditions.