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America's best drivers: Go West!

Drive into Ft. Collins, Colorado, and you'll be struck by the charm of a city nestled just east of the Rocky Mountains. The city, the home of Colorado State University and the Fat Tire line of microbrews, is now known for something else.

And that's the city in the U.S. where you are least likely to get into an auto accident.

Allstate Insurance has released its annual Best Drivers Report, which ranks 195 metropolitan areas in the United States where you have the highest and lowest likelihood of getting into an auto accident.

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Fort Collins topped the list this year, followed by Boise, Idaho, and Sioux Falls, South Dakota, which lead the Allstate rankings last year.

Mid-size cities, less congestion
According to Allstate, people in Fort Collins go an average of 13.9 years between accidents. That's the longest stretch of time among the cities ranked and slightly longer than the 13.8 years for Boise and 12.8 years for Sioux Falls.

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What do they all have in common?

They are less congested, so the accident rate is lower. The likelihood of getting into an accident in Fort Collins is 28.2 percent below the national average.

The top three cities have populations under a quarter million people.

The worst cities for accidents
Want to avoid a fender bender? Don't drive in Washington, D.C., where the calculations say drivers go just 4.8 years between accidents.

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According to Allstate, Washington, D.C., ranks as the city in the U.S. where you are most likely to be in a car crash.

Washington, D.C., is last on the AllState list right behind Baltimore, Maryland, and Providence, Rhode Island.

—By CNBC's Phil LeBeau. Follow him on Twitter @LeBeauCarNews.