Birmingham is the third most dangerous location in the country for accidents, according to a new survey.
But topping the most-accident table is Slough in Berkshire, which is ringed by traffic lights and speed cameras and was one of the first to model itself as a "safety town".
The Berkshire town had an accident rate 35.7 per cent above the national average in 2007, Endsleigh said.
Slough's safety promotions go back to the 1960s when it introduced lights timed to be on green so long as drivers stuck to the speed limit. In recent years, the number of lights encircling the town and its industrial estate have grown.
After Slough, Ilford in east London had the most accidents (35.5 per cent above the national average), with Birmingham third (32.9 per cent above). The most accident-free town or city was Belfast (47.0 per cent below the national average), with Swansea (29.9 per cent below) in second place and Aberdeen (20.6 per cent below) third.
Endsleigh also said that overall, it had seen a 13 per cent fall in motor theft claims across the UK in the last three years.
Swindon had 42.9 per cent fewer cases of theft than the national average, with Norwich (42.3 per cent below the average) and Dundee (38.9 per cent below) also comparatively crime-free areas.
Endsleigh spokesman Stuart Wartalski said: "This is no doubt directly related to the scores of excellent police and community-run initiatives across the country, as well as greater awareness among individual motorists when it comes to taking responsibility for their vehicles safety."
He went on: "The fact remains however, that some towns and cities represent a greater risk for motorists than others. Equally, no motorist can afford to be complacent - wherever they might live."