The Worst Roads in America in Each State
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jan 26, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Rhode Island has the worst roads in America, and it received the lowest road condition ranking
- Poorly maintained driving surfaces and accident frequency are a couple of indicators to predict how bad a route can be
- The worse the roads are the more drivers can expect to pay for auto insurance
Who has the worst roads in America? Unbearable roads typically have potholes, uneven surfaces, and locals may even intentionally avoid driving on them because they are known for being high-risk accident locations. In this article, we will be providing an overview of the top 10 states with the worst roads. If you’re wondering how living in a state with the worst roads in the United States can impact your car insurance rate, keep reading to get your answer.
Living and traveling in an area with the worst roads in the country doesn’t mean you have to settle for the worst rates. Enter your ZIP code and receive a free car insurance quote today.
1. Rhode Island has the Worst Roads in America
Rhode Island’s roads are bumpy, narrow, and riddled with potholes, which is why it earned the number one spot for having the worst roads in the United States. Some of the state’s worst accidents have occurred on I-95N EXIT 3B. According to the Bureau of Transportation, Rhode Island has one of the lowest amounts of public road mileage, and its road conditions received the lowest score at 44.5%. Compared to other U.S. states, it also has one of the highest accident frequencies at 4.54%.
State Miles of Public Road Road Condition Transit Collisions Accident Frequency
Alabama 100,962 88.1% 8 2.72%
Alaska 17,050 76.9% 1 2.57%
Arizona 66,782 81.4% 121 3.15%
Arkansas 102,622 79.7% 6 2.77%
California 175,589 58.7% 624 3.70%
Colorado 88, 957 78.1% 149 3.03%
Connecticut 21,556 64.9% 73 3.76%
Delaware 6,461 81.7% 54 5.67%
Florida 123,099 88.2% 412 3.52%
Georgia 128,397 96.8% 151 3.75%
Hawaii 4,475 56.4% 56 3.33%
Idaho 56,347 96.9% 12 2.42%
Illinois 145,975 80.8% 511 3.21%
Indiana 96,962 92.5% 79 2.71%
Iowa 114,745 90.6% 9 2.42%
Kansas 142,200 88.4% 4 2.50%
Kentucky 80,180 92.0% 44 2.64%
Louisiana 61,416 74.4% 61 3.70%
Maine 22,815 77.7% 0 2.77%
Maryland 32,269 88.0% 187 4.56%
Massachusetts 36,763 70.1% 204 5.09%
Michigan 122,164 77.2% 169 N/A
Minnesota 139,591 85.1% 167 2.64%
Mississippi 77,477 73.2% 0 2.60%
Missouri 132,094 75.3% 125 3.03%
Montana 73,573 88.0% 4 2.15%
Nebraska 95,262 89.9% 0 2.90%
Nevada 48,458 87.4% 112 3.40%
New Hampshire 16,171 76.4% 4 3.26%
New Jersey 38,919 53.0% 316 3.55%
New Mexico 77,605 69.9% 23 2.59%
New York 113,533 74.7% 1,034 3.81%
North Carolina 107,348 89.1% 111 3.09%
North Dakota 88,050 93.4% 0 2.35%
Ohio 123,014 83.4% 201 2.85%
Oklahoma 116,065 62.9% 34 2.98%
Oregon 79,266 89.8% 62 2.97%
Pennsylvania 120,590 71.5% 434 3.17%
Rhode Island 6,013 44.7% 5 4.54%
South Carolina 77,992 81.3% 6 3.29%
South Dakota 82,501 85.7% 0 2.13%
Tennessee 96,116 94.6% 31 2.84%
Texas 314,648 89.1% 605 3.99%
Utah 48,913 78.4% 85 3.22%
Vermont 14,253 82.1% 0 2.66%
Virginia 75,369 88.4% 115 3.41%
Washington 80,653 71.1% 150 3.21%
West Virginia 38,850 69.5% 9 2.55%
Wisconsin 115,609 83.4% 58 2.12%
Wyoming 29,666 80.4% 0 1.85%
#blank# #blank# #blank# #blank#
Providence and Warwick are the cities primarily responsible for the state’s rocky road reputation. As a result, the average driver can expect to pay around $1,610 a year for auto insurance, over $200 more than the national average.
2. Oklahoma Features the Second-Worst Roads in America
For years, Oklahoma has remained in the top 10 list of worst roads in the nation. Some of the most dangerous areas to drive are I-40 and Oklahoma State Highway 9. The average driver can expect to pay around $1,542 a year, over $150 more than the national average.
3. West Virginia Contains the Third-Worst Roads in America
Poor infrastructure, clay-filled soil roads, and uneven driving surfaces are primarily responsible for why the roads in West Virginia can be very dangerous for drivers. Since West Virginia is the only state entirely engulfed in the Appalachian Mountain region, its hilly terrains can be challenging to navigate for newcomers. One of the most dangerous roads to drive in West Virginia is SR-7.
The average West Virginia driver pays around $1,378 a year for auto insurance, a little over $5 more than the national average.
4. Mississippi Holds the Fourth-Worst Roads in America
Crooked letters and humpbacks aren’t the only hurdles you can expect to weather when it comes to Mississippi. Its drivers also face a series of challenges when traveling in the area due to its unpleasant road conditions. The most dangerous road to drive in Mississippi is I-55.
Mississippi drivers pay around $1,800 a year for car insurance, over $400 more than the national average.
5. Pennsylvania Holds the Fifth-Worst Roads in America
Although the state of Pennsylvania borders seven states–Delaware, Maryland, New Jersey, New York, Ohio, West Virginia–its roads are far from neighborly. Due to poor upkeep, a majority of the roads in Pennsylvania are in bad condition. The state’s most dangerous road is I-95.
As a result, the average cost of car insurance for a Pennsylvania driver is around $1,433, which is over $60 more than the national average.
6. New Jersey has the Sixth-Worst Roads in America
Even though the condition of New Jersey’s rural interstate pavement is the best in the country, many of its roads are crumbling, which is how it earned the position of sixth-worst roads in America. In support of this statement, the Bureau of Transportation gave the state’s road conditions one of the lowest scores in the United States at 53.0%.
Between poor road conditions and high congestion rates, no wonder the average car insurance rate is $1,592, over $200 more than the national average.
7. California Features the Seventh-Worst Roads in America
California is known for its abundance of valleys. Now it is also known for having one of the worst road conditions in the country. San Francisco, Oakland, and Berkeley contribute heavily to the reputation of the state’s roads. So does I-80, which is the most dangerous road in the state.
Drivers in the Golden State typically pay around $1,713 for car insurance, over $300 more than the country’s average.
8. Missouri Contains the Eighth-Worst Roads in America
When Missouri, also known as the “Show-Me State,” came in eighth for having the worst roads in America, it showed the world that driving through this state wouldn’t be a walk in the park. The state’s most dangerous road is I-10.
Missouri drivers must consider many obstacles between the unpredictable Midwest weather and unacceptable road conditions. However, high car insurance costs aren’t typically one of them. The average cost of car insurance in Missouri is $1,334, over $35 less than the national average.
9. Louisiana Holds the Ninth-Worst Roads in America
Louisiana has one of the largest volumes of ports for trade. But when it comes to traveling by car, its roads are far from impressive. Over 25 percent of Louisiana’s roads are in poor condition. Add lousy traffic to the mix and, it spells out disaster for locals and tourists alike. The most dangerous road in Louisiana is I-10.
Unfortunately, bad road conditions and unbearable traffic aren’t all you have to worry about if you plan on driving in Louisiana. The state also has many uninsured drivers, so state drivers typically have to pay about $2,225 for car insurance, over $850 more than the national average.
10. New Mexico Houses the Tenth-Worst Roads in America
New Mexico has earned its title as having some of the worst roads in the country. More than half of its roads are in poor condition, and the most dangerous road in the state is I-40. However, New Mexico drivers catch a break with affordable insurance costs.
The average auto insurance cost in New Mexico is $1,331, which is $40 less than the national average.
The Worst Roads in America By City
An examination of the list of top 10 states with the worst roads reveals that the worst roads in America may also be home to cities that are notorious for having terrible driving conditions. When 24/7 Wall St. listed the worst roads in America by city, we couldn’t help but notice that many of these cities contribute heavily to the reputation of the street’s roads.
Some of the worst roads listed were:
1. Providence, Rhode Island
2. Oklahoma City, Oklahoma
3. Wheeling, West Virginia
4. Jackson, Mississippi
5. Philadelphia, Pennsylvania
6. Atlantic City, New Jersey
7. San Francisco, California
8. St. Louis, Missouri
9. New Orleans, Louisiana
10. Albuquerque, New Mexico
Most if not all of the cities listed are major cities, or capitals of their respective state.
Having the Worst Roads in the Country Can Impact Your Insurance
As we conclude our journey through the worst roads in America by state, there’s one major takeaway you should have: there is a relationship between road conditions and your car insurance costs. High-risk areas, such as metropolitan cities, populated neighborhoods, are more likely to result in higher insurance rates. If you live in one of the top 10 states with the worst roads in the country, shopping around for a good car insurance deal can help you save big on monthly expenses.
Having the worst roads in America can impact your insurance rate, but it doesn’t have to impact your options. Enter your ZIP code to get a free insurance quote today.
Frequently Asked Questions
- What is a named operator policy?
- Will GEICO insure a car not in my name?
- What is covered in a Jeep powertrain warranty?
- Are Jeeps more expensive to insure?
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Jeep Wrangler Insurance
- Honda Accord Insurance
- Honda Odyssey Insurance
- Ford F-150 Insurance
- Toyota Camry Insurance
- Toyota Rav4 Insurance
- Hyundai Sonata Insurance
- Nissan Rogue Insurance
- Kia Optima Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area