Story by Megan Boatwright

Eyewitness News Reporter

CHATTANOOGA (WRCB)-- The City of Chattanooga is being called one of the safest places to drive in the country.

That's according to a survey of America's 200 Largest Cities conducted by Allstate.

A few of the drivers we talked to were quick to disagree with the safety ranking, but a State Farm agent said while he hasn't seen a huge change for the better in the last decade, he hasn't seen it get any worse.

But it seems Allstate Insurance would beg to differ. That's according to a recently completed study. The study put Chattanooga drivers up against the national average and found them 23 percent less likely to get in an accident.

"Fourteen years is a pretty good time to observe loss trends and loss history," says Geoff Rodgers, State Farm agent.

Geoff Rodgers works for one of Allstate's biggest competitors, State Farm. He says the biggest trend he's seen in Chattanooga is consistency.

"From year to year it will move around, but generally speaking within a given range it's not going be really high one year and really low the next. It's fairly predictable," says Rodgers.

Allstate's study didn't look into reasons behind the ranking, but an Allstate representative told me the State of Tennessee's graduated driver's licensing laws and push to reduce texting and driving are key. Rodgers says the city's size is also a factor.

"We don't have a lot of the traffic problems that a lot of bigger cities have. We don't have a lot of the distractions that can cause people to have accidents," says Rodgers.

But whether we're second or last in ranking, the money question is about rates.

The answer to that question is no. Allstate says the report is not used to determine insurance rates.

Allstate has done this study for six years and in that time the "Scenic City" has moved from fifth to second place.

Interestingly enough, Knoxville ranked three slots behind Chattanooga in 5th place.

Nashville came in at 21.