If you only drive sober, always wear a seatbelt, and only drive cars with the highest NHTSA ratings then your lifetime chances are probably more like 1 in 300, if not less.
That said, your chances of getting seriously injured in a car crash are significantly greater than that.
Don't apply stats like this to yourself, use them to guide policy instead.
Otherwise cities like NYC would have a really low rate since so many people don't have cars.
Miles driven would be useful too but not as directly useful in evaluating odds of any one random person dying in a car crash.
Regardless, I'm be interested in seeing the stats broken down by accident type (which is tracked by the police and insurance companies to some extent).
My suspicion is that there's several accident modes that are more common in North America that make up most of the difference.
I also suspect that just like pretty much ever other thing that's common at scale but statistically unlikely at the individual level socioeconomic status is the best predictor.
Measure the thing you actually care about. After issuing metal helmets to infantry in WW1 the number of men hospitalised with head injuries climbed enormously. Were helmets a bad idea? Nope. To get hospitalised first you need to survive your injuries.