In a study that should surprise no one, GMAC Insurance estimates that nearly 38 million drivers on U.S. roads could not pass a written driver’s exam if given today. That number represents roughly 20% of the drivers on the road today. Scared yet? It gets better.

- Eighty-five percent of the driver’s tested did not know the correct action to take when approaching a steady yellow light. It’s ‘stop if it’s safe to do so’, by the way.

- Drivers in the Northeast scored the worst, averaging 74.9% correct, and had the highest failure rate of 25.1%. Drivers in the Midwest scored the highest, averaging 77.5%, and had the lowest failure rate of 11.9%.

- Twenty five percent of those surveyed admitted to talking on the cell phone while driving, which simply means that the other 75% just didn’t own up.

- Only five percent copped to texting while driving, which I’m not buying, either.

- Males over 45 scored the highest, and males did better in both average score (78.1 percent) and failure rate (24 percent of women failed, versus 18.1 percent of males).

What states fared the worst? New York, New Jersey, Washington D.C., California and Rhode Islan drivers are to be avoided, especially if they’re female and under 45. On the other hand, drivers from Kansas, Oregon, South Dakota, Minnesota and Iowa scored highest, so feel free to give them an appreciative nod when you see them on the road.