"Mumbai has been voted as the safest city to drive and also emerged as one with the most disciplined traffic," Sanjay Datta, chief of underwriting and claims at ICICI Lombard, which conducted the survey told reporters.
While Delhi has the best roads, Bangalore has been voted as having the best driving facilities in terms of roadside assistance.
As per the survey, 19 per cent of respondents believe that increase in the penalty amount will help curb violation of traffic rules.
Interestingly, pedestrians are perceived as the major violators of traffic rules by both car and bike drivers.
As far as accidents are concerned, the survey revealed that autorickshaw drivers top the list of worst offenders leading to accidents in Mumbai, Kolkata, Ahmedabad.
The survey also pointed out that around 75 per cent of the women respondents feel that they drive safer than men.
The private general insurance firm also said that Bangalore has recorded highest accident claims for private cars, while Ahmedabad leads for two-wheeler claims as per its claim data.