Not confirmation bias. I have lived in NYC and NJ (right across NYC); Philadelphia; and SF (that was 15 years ago, so maybe things have changed?). I have also driven in Boston, Houston, and LA. The most difficult (nerve-wrecking) places to drive were Miami and LA. At least in LA, you see traffic police cars every now and then, so people are a bit wary of speeding. Here in Miami, it is lawless (literally almost no traffic police car on the highway leading to Miami), which emboldens rule breakers.

I always drive defensively and I am sick of having to pay rising-significantly-faster-than-inflation-rate (part of it is greedflation by insurers, I think, and part of it is because I live in Miami, one of the most natural disaster prone places in the US) premiums for the last two years. It's worse when insurers claim that after COVID, people drive more recklessly and thus, they are paying out more (again, not sure if it is entirely true, but if it's solely based on my Miami driving experience, it likely has some sliver of truth).

I truly wish insurers have better information on driving behaviors to really punish reckless drivers, but I know that the reality would be that insurers will punish both reckless and defensive drivers because more profit.

Sorry about the rant. :)