Roads where motorists are able to drive faster are safer than urban areas, with a prang in a car park three times more likely than a motorway crash, according to Moneysupermarket.com.
A survey by the finance site also reveals that British drivers are six times more likely to have a crash on a road close to their home than on a motorway.
More than nine million motorists, or 29 per cent, admit to having had an accident near to where they live, compared to just five per cent who have crashed on a motorway.
Some 25 per cent of drivers have had a collision on a minor road and 23 per cent have been involved in a motoring mishap on an A-road or dual carriageway.
Richard Mason, managing director of insurance at Moneysupermarket, said: "Whilst motorists must remain vigilant at all times, danger clearly lurks close to home for many drivers, with collisions most likely to happen in their neighbourhood and places they visit regularly.
"This suggests motorists become complacent when navigating familiar routes, often leading to costly prangs and resulting in insurance claims."