In Some States, Local Roads Are Deadlier Than Highways

There's a reason why parents talk about looking both ways before crossing the street and driving instructors hammer home the importance of stopping at a stop sign: roads can be deadly. While certain types of roads may seem more or less dangerous than others, this isn’t true everywhere. MoneyGeek analyzed the National Highway Traffic Safety Administrations Fatality Analysis Reporting System (FARS) data and found that, in some states, you’re far safer taking the highway than a local street.

Our analysis broke down the deadliest types of roads in the U.S. and the deadliest road type in each state. Here's what we found:

• State highways are the deadliest type of road in the U.S., accounting for 1 in 3 crash fatalities.

• Alaska has the country’s deadliest state highways, with 64% of crash fatalities occurring on this type of road.

• In nine states, driving on a local street is deadlier than taking the highway. In Arizona, the state with the deadliest local streets, half of all crash fatalities in the state happen on local roads.

• North Carolina experiences the highest fatality rate in the country on its section of the U.S. highway system, with 37% of all state crash deaths occurring on these roads.

• Hawaii is home to the deadliest county roads in the U.S.; there, 41% of all crash fatalities occur on this road type. Michigan is the next-deadliest (40% of all crash fatalities) state.

Using FARS data, MoneyGeek examined motor vehicle fatalities from 2019 to 2021 — analyzing deaths on county roads, interstates, local streets, state highways and U.S. highways — to find the deadliest types of road in the country. We found that state highways are the most dangerous type of road overall, accounting for 1 in 3 crash fatalities, followed by local streets and U.S. highways.

In addition to calculating the most dangerous types of road overall, MoneyGeek also found the types of roads where the largest percentages of traffic fatalities occurred in every state.

We found that, while state highways were the most dangerous type of road in the U.S., they weren't the deadliest everywhere. Local streets were the most dangerous road type in eight states, U.S. highways in five and county roads in seven. Interstates were also included in our analysis but weren't the deadliest road type in any state.

State highways are the most dangerous roads in the United States, with 33% of all auto-related deaths occurring on these roads. Our study found that in 30 states, more crash fatalities take place on state highways than on any other road type.

From 2019 to 2021, Alaska’s 69 deaths made it the nation’s leader in this category — 64% of the state’s traffic fatalities were on a state highway, compared to the national average of 33%. South Carolina followed close behind, with 58% of crash fatalities occurring on state highways.

Local streets are the second-deadliest type of road in the U.S., with 20% of accident fatalities occurring on them; in eight states, they’re the most dangerous type of road.

Arizona is the state with the most car-related deaths on local streets: half of its traffic fatalities (50%) happened on these roads. Alaska placed second, with 36.1% of crash fatalities taking place on local streets, followed by Kansas (36.0%).

The differences between state highways and U.S. highways are subtle. However, MoneyGeek’s study found that U.S. highways are significantly less dangerous than state highways; in fact, while state highways were the most deadly road type in 30 states, U.S. highways were the most dangerous in just five.

This road type was most dangerous in North Carolina, where 37% of total crash fatalities occurred on state highways. Next was Nebraska (33%), followed by Wyoming (32%).

While county roads are less deadly than local streets and highways, they were still the deadliest roads in seven states. In Hawaii, deaths on county roads from 2019 to 2021 accounted for 41% of accident fatalities, the highest percentage of any state. County roads were also the most dangerous in Michigan, Minnesota and Ohio, with 40%, 39% and 31% of crash-related deaths occurring there, respectively.

Life is unpredictable; we can be injured even if we stay home. That said, we can all recommit ourselves to driving safely and financially preparing for accidents.

It’s essential to make sure you’re financially well-protected by securing adequate car insurance coverage. Affordable car insurance is out there, and if you aren’t covered properly, you could spend a fortune on repairs in the aftermath of an accident.

Taking special precautions while driving on each road type can also help make you and others safer:

MoneyGeek analyzed FARS data from 2019 to 2021, the most recent data available, to find the total number of crash fatalities occurring on each type of road.

To calculate the deadliest type of road in each state, we analyzed all crash fatalities across each road type and identified the road type where the highest percentage of crash fatalities occurred. In our state-level analysis, interstates were not the deadliest road type for any state. Roads classified as “Unknown” or “Other” were excluded from the study.

Definitions of road types:

• State Highway: High-speed roadway owned and maintained by the state.
• Local Street: Make up the majority of roads in the U.S. and provide primary access to residential areas, businesses and other local areas, typically with posted speed limits between 20 and 45 mph. This variable combines local streets in townships, municipalities and frontage roads.
• U.S. Highway: High-speed roadway owned and maintained by the federal government.
• County Road: Roadway owned and maintained by a state-recognized municipality or town.
• Interstate: High-speed roadway that serves interstate or regional traffic from state to state.

In addition to road types, the table below uses the following terminology:

• State Highway Fatality %: Percentage of crash fatalities that took place on state highways from 2019 to 2021.
• Local Street Fatality %: Percentage of crash fatalities that took place on local streets from 2019 to 2021.
• U.S. Highway Fatality %: Percentage of crash fatalities that took place on U.S. highways from 2019 to 2021.
• County Road Fatality %: Percentage of crash fatalities that took place on county roads from 2019 to 2021.
• Interstate Fatality %: Percentage of crash fatalities that took place on Interstates from 2019 to 2021.
• Total Crash Fatalities: The sum of all crash fatalities between 2019 to 2021 for all road types in the specified state.