More than a fifth of drivers in Watford have been involved in car crashes in the last five years, according to new statistics.
The town pips St Albans, Hemel Hempstead, Sutton and Slough to the undesirable accolade.
More than 20 per cent of drivers in all five towns have had a car accident, with 22.26 per cent of Watford drivers having to exchange insurance details at least once.
Scottish drivers the safest
Less than 10 per cent of drivers in the Outer Hebrides have been involved in a car accident in the last five years.
The Outer Hebrides is the safest place in the UK with only 9.21 per cent of drivers experiencing a car crash since 2014.
Lerwick on the Shetland Islands and Kirkwall on Orkney are second and third safest with 9.8 and 11.15 per cent of drivers on record as having experienced a car accident.
The EC postcode in London and the Isle of Man are fourth and fifth respectively on the list.
Middle aged drivers more likely to crash
Even though the youngest of drivers have the least experience, they are also the least likely to have had a car accident with only 5.5 per cent of 17 to 19 year olds having crashed.
Drivers aged 20 to 24 are the next least likely to have had a car accident, with 15.62 per cent of them crashing in the last five years.
Those most likely to have had a car accident are instead those who are often considered to be the safest, namely the 40 to 49 year old age bracket. One in five drivers in their forties have had a car accident in the last five years.
Drivers aged 30 to 39 are the next most likely to have had an accident, with their accident ratio at 19.82 per cent.
Where do the statistics come from?
The comparison website MoneySuperMarket studied more than 5.5 million car insurance enquiries across 124 locations in the UK.