Honestly, don’t be a dope is the optimal move. I’ve driven for 25+ years, and barring some stupid teenage male stuff and a few deer, have done so without incident.
So, a bit worse than the average driver? Surely there's some better evidence you can throw at us ;)
I'm kind of on your side. Not being a dope decreases the crash rate by 90% or so per mile last I checked ("crashes caused by driver error"). Drive enough and you'll still become a statistic though.
I'm half serious. All else equal, if you drive less you'll have fewer problems that lead to insurance penalties.