The first thing the insurance company wants to know is your address and the address where you work, it is called community rating and the actuaries know the risks in every area and the costs of accidents in those areas. As I have been told by those in the industry head on collisions are the most costly accidents to cover, roundabouts do not have them often and when they do it is slow speeds. Roundabouts have a lot of low cost side swipes, so the accident numbers can be higher.Not sure about the cheaper insurance rates, from my understanding there are more accidents in roundabouts than in traditional intersections, they just tend to less severe with lower injuries/fatalities. And with the way cars are designed now even minor accidents can cause major damage to the vehicles.
In the case of Carmel it had 31 and 431 with high speed signalized control that were dangerous in the 80’s in addition to the normal stoplight accidents. Fishers will be getting better with the new 37…