According to a report by Allstate Insurance Company, Phoenix has the safest drivers in the country among cities with a population of more than 1 million. Residents go an average of 9.2 years between collisions.

Washington law requires Bodily Injury Liability coverage of $25,000 per person, $50,000 per occurrence and Property Damage Liability of $10,000.It does not require Uninsured Motorist (UM) coverage for drivers. It's probably a good idea to opt for it, though: A 2007 study says that as many as 16% of the state's drivers are uninsured. UM coverage protects you in case you're involved in an accident with one of these drivers. If you want more details on Washington auto insurance requirements, you should contact the Washington State Office of the Insurance Commissioner (http://www.insurance.wa.gov/...).

Nearly 270 insurers write automobile insurance in New York, accounting for more that $8 billion in annual premiums. Personal Injury Protection (PIP), liability, and Uninsured Motorist (UM) coverage are all required by the state. Premiums in New York are the fourth most expensive in the country, averaging $1083 per year in 2006. It's estimated that 5% of New York drivers were uninsured as of 2007, a great reason to make sure you have as much coverage as your budget will allow. For more information on New York auto insurance requirements, contact the New York State Insurance Department (http://ins.state.ny.us/...).