Car Insurance Rates by City
Car insurance rates by city can vary greatly depending on your ZIP code and driving record. Your ZIP code holds a wealth of knowledge for insurers. Auto insurance companies determine your rates with critical neighborhood data like vandalism reports, car thefts, and claim totals. The ten cities with the most expensive car insurance rates can be found in Michigan, beginning with Detroit. For more information about auto insurance rates by city, use our free comparison tool below.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
How Much Are Affordable Rates for Insurance in Your City?
Whether you are new to a city or lived there for years, car insurance is a must. Car insurance and laws vary from each state and can even change when passing through a different city. Finding the right insurance providers is critical. If you’ve been working with a local company, you may even have to change due to licensing if you move.
Finding the right car insurance for your needs can be confusing. Keeping up with laws and requirements is a full-time job, and most people do not have the time to research all the companies and compare all the rates. We trust insurance companies to make sure our policies cover state minimums. We also rely on them to handle our claims when there’s an accident, but you could spend all day looking for the right company. That is where we come in to help.
We have compiled the research and data into easy to follow city guides to help any driver find a great insurance policy that fits their needs.
Find your city:
Complete articles for cities coming soon.
AL-CA | CA - | CA-FL | FL-IL | IL-KS | KS-MO | MS-OR | OR-TX | TX-WA |
---|---|---|---|---|---|---|---|---|
Birmingham, AL | Elk Grove, CA | Antioch, CA | Cape Coral, FL | Schaumburg, IL | KS City, KS | Jackson, MS | Eugene, OR | Carrollton, TX |
Montgomery, AL | Corona, CA | Richmond, CA | Pembroke Pines, FL | York, IL | Olathe, KS | Billings, Montana | Gresham, OR | Denton, TX |
Mobile, AL | Lancaster, CA | West Covina, CA | Hollywood, FL | Milton, IL | Topeka, KS | Winston-Salem, NC | Philadelphia, PA | Midland, TX |
Huntsville, AL | Palmdale, CA | Murrieta, CA | Miramar, FL | Lisle, IL | Lafayette, LA | Fayetteville, NC | Allentown, PA | Abilene, TX |
Little Rock, AR | Salinas, CA | Norwalk, CA | Gainesville, FL | Springfield, IL | Baton Rouge, LA | Cary, NC | Providence, RI | Beaumont, TX |
Phoenix, AZ | Hayward, CA | Daly City, CA | Coral Springs, FL | Capital, IL | Shreveport, LA | Wilmington, NC | Columbia, SC | Odessa, TX |
Gilbert, AZ | Pomona, CA | Burbank, CA | Miami Gardens, FL | Peoria, IL | Calcasieu, LA | High Point, NC | Charleston, SC | Round Rock, TX |
Glendale, AZ | Escondido, CA | Santa Maria, CA | Clearwater, FL | Palatine, IL | St. Tammany, LA | Fargo, ND | North Charleston, SC | Richardson, TX |
Scottsdale, AZ | Sunnyvale, CA | El Cajon, CA | Pompano Beach, FL | Bloomingdale, IL | East Baton Rouge, LA | Manchester, NH | Sioux Falls, SD | Wichita Falls, TX |
Tempe, AZ | Torrance, CA | San Mateo, CA | Palm Bay, FL | Lyons, IL | Ouachita, LA | Paterson, NJ | Knoxville, TN | College Station, TX |
Peoria, AZ | Pasadena, CA | Rialto, CA | West Palm Beach, FL | Bremen, IL | Livingston, LA | Elizabeth, NJ | Chattanooga, TN | Pearland, TX |
Surprise, AZ | Orange, CA | Clovis, CA | Lakeland, FL | Elgin, IL | Rapides, LA | Edison, NJ | Clarksville, TN | Lewisville, TX |
Los Angeles, CA | Fullerton, CA | Fort Collins, CO | Columbus, GA | Niles, IL | Tangipahoa, LA | Woodbridge, NJ | Murfreesboro, TN | Tyler, TX |
San Diego, CA | Thousand Oaks, CA | Lakewood, CO | Savannah, GA | Hanover, IL | Bossier, LA | Las Cruces, NM | Houston, TX | Salt Lake City, UT |
San Jose, CA | Visalia, CA | Thornton, CO | Sandy Springs, GA | Indianapolis, IN | Ascension, LA | Reno, NV | San Antonio, TX | West Valley City, UT |
San Francisco, CA | Roseville, CA | Arvada, CO | Boise City, ID | North, IN | Terrebonne, LA | North Las Vegas, NV | Dallas, TX | Provo, UT |
Fremont, CA | Concord, CA | Westminster, CO | Des Moines, IA | Center, IN | Worcester, MA | NYC, NY | Austin, TX | West Jordan, UT |
San Bernardino, CA | Simi Valley, CA | Pueblo, CO | Cedar Rapids, IA | Wayne, IN | Springfield, MA | Oyster Bay, NY | Lubbock, TX | Chesapeake, VA |
Modesto, CA | Santa Clara, CA | Centennial, CO | Davenport, IA | WA, IN | Lowell, MA | North Hempstead, NY | Garland, TX | Richmond, VA |
Oxnard, CA | Victorville, CA | Boulder, CO | Chicago, IL | Lawrence, IN | Cambridge, MA | Babylon, NY | Irving, TX | Newport News, VA |
Fontana, CA | Vallejo, CA | Bridgeport, CT | Aurora, IL | Evansville, IN | Grand Rapids, MI | Rochester, NY | Amarillo, TX | Alexandria, VA |
Moreno Valley, CA | Berkeley, CA | New Haven, CT | Rockford, IL | Perry, IN | Warren, MI | Huntington, NY | Grand Prairie, TX | Hampton, VA |
Huntington Beach, CA | El Monte, CA | Stamford, CT | Thornton, IL | Green Bay, WI | Sterling Heights, MI | Yonkers, NY | Brownsville, TX | Spokane, WA |
Glendale, CA | Downey, CA | Hartford, CT | Wheeling, IL | Fort Wayne, IN | Ann Arbor, MI | Syracuse, NY | McKinney, TX | Tacoma, WA |
Santa Clarita, CA | Costa Mesa, CA | Waterbury, CT | Worth, IL | Warren, IN | Lansing, MI | Ramapo, NY | Pasadena, TX | Vancouver, WA |
Garden Grove, CA | Carlsbad, CA | Jacksonville, FL | Proviso, IL | Calumet, IN | Rochester, MN | Amherst, NY | Frisco, TX | Bellevue, WA |
Oceanside, CA | Inglewood, CA | Hialeah, FL | Downers Grove, IL | South Bend, IN | Springfield, MO | Smithtown, NY | Mesquite, TX | Kent, WA |
Rancho Cucamonga, CA | Fairfield, CA | Tallahassee, FL | Joliet, IL | Akron, Ohio | KS City, MO | Norman, OK | McAllen, TX | Everett, WA |
Santa Rosa, CA | San Buenaventura (Ventura), CA | Fort Lauderdale, FL | Naperville, IL | Dayton, Ohio | Independence, MO | Broken Arrow, OK | Killeen, TX | |
Ontario, CA | Temecula, CA | Port St. Lucie, FL | Maine, IL | Overland Park, KS | Columbia, MO | Salem, OR | Waco, TX |
Read More:
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
The 10 Most Expensive Cities in America
State | City | Average by City | Most Expensive Company | Most Expensive Rate | Cheapest Company | Cheapest Rate |
---|---|---|---|---|---|---|
Michigan | Detroit | $26,301.11 | Farmers | $48,386.05 | USAA | $5,711.92 |
Michigan | Dearborn | $20,920.85 | Farmers | $43,870.92 | USAA | $4,558.38 |
Michigan | River Rouge | $19,405.58 | Farmers | $38,258.61 | USAA | $4,904.33 |
Michigan | Harper Woods | $19,225.22 | Farmers | $40,532.15 | USAA | $4,601.02 |
Michigan | Oak Park | $18,716.04 | Allstate | $40,770.62 | USAA | $4,786.60 |
Michigan | Ecorse | $18,154.01 | Farmers | $31,827.17 | USAA | $4,904.33 |
Michigan | Southfield | $17,774.85 | Allstate | $43,653.03 | USAA | $4,542.02 |
Michigan | Inkster | $16,984.97 | Allstate | $32,881.20 | USAA | $4,405.52 |
Michigan | Lathrup Village | $16,742.91 | Allstate | $33,371.80 | USAA | $4,294.61 |
Michigan | Melvindale | $16,544.22 | Allstate | $28,635.20 | USAA | $4,904.33 |
You should have noticed that all the most expensive cities are in Michigan. They’ve got some of the most cost prohibitive car insurance laws in American.
Michigan recently passed new car insurance laws which will go into affect in 2020, so we’ll keep you posted on how that affects rates.
Read more: Allstate vs. USAA Car Insurance
The 10 Least Expensive Cities in America
State | City | Average by City | Most Expensive Company | Most Expensive Rate | Cheapest Company | Cheapest Rate |
---|---|---|---|---|---|---|
Virginia | East Lexington | $2,018.13 | Allstate | $3,002.04 | USAA | $1,638.89 |
Virginia | Broadway | $2,034.01 | Allstate | $3,017.99 | USAA | $1,624.96 |
Virginia | Blacksburg | $2,035.11 | Allstate | $3,021.92 | USAA | $1,568.22 |
Virginia | Massanutten | $2,036.30 | Allstate | $2,998.27 | USAA | $1,624.96 |
Virginia | Linville | $2,037.09 | Allstate | $3,017.99 | USAA | $1,624.96 |
Virginia | Timberville | $2,038.95 | Allstate | $3,017.99 | USAA | $1,624.96 |
Virginia | Fishersville | $2,039.10 | Allstate | $3,046.63 | USAA | $1,631.56 |
Virginia | Buena Vista | $2,039.40 | Allstate | $3,002.04 | USAA | $1,638.89 |
Virginia | Lacey Spring | $2,041.03 | Allstate | $2,998.27 | USAA | $1,624.96 |
Virginia | Christiansburg | $2,042.79 | Allstate | $3,021.92 | Geico | $1,665.52 |
Again the cheapest cities are in a single state. What that tells us is that car insurance which is state regulated is affect disproportionately by the kinds of laws your state legislates. (For more information, read our “Car Insurance Rates by State“).
Read more:
Why Does Your Zip Code or City Change Your Rate?
Location is essential when getting a car insurance quote. You can move mere miles, and it can drastically change your insurance rate.
Insurance carriers rate based on a lot of information, but your location is a big factor when determining your rate.
Your zipcode holds a wealth of knowledge for insurers. Companies can look at key data like vandalism reports, car thefts, and claim totals. This information tells them what the likelihood of you needing to file a claim. So even though they’re working with the same driver and state laws, they might have to account for more break-ins, busiers roads, and more a few blocks away from where you live now. Helpful agents can work out these details for you.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What Else Determines Your Car Insurance Rate?
Many things go into how car insurance carriers determine rates. Location is a big one, but there are many more factors that go into getting that number.
Your driving record is a big one. Ever had that sinking feeling of blue lights flashing in your rearview mirror? We have. Not only does it cost you fines and court fees, but it may also affect your insurance rate. The more tickets or accidents you have, the higher the risk you present to insurers. You can get around this by paying smaller claims yourself or taking defensive driving classes as part of your state’s processes. If you have a clean record, a cheap car insurance company may also offer one-time accident forgiveness.
Filing claims and a record filed with violations will definitely get you a higher rate, but the conviction that will get you the steepest hike in your insurance bill is driving under the influence. If you don’t file the appropriate paperwork after a DUI or similar incident, you could lose your license. Reliable insurance companies will charge you more, but they’ll cover your bases as well.
Demographics like age, marital status, and income are also asked on insurance applications. Why? Because these are all things insurance carriers look at to determine your rate. A 17-year-old teen is going to get a much higher rate than a 60-year-old mature driver. In many states, male drivers are also seen as a higher risk compared to female drivers, especially as teens. An auto insurance agent can answer questions and help you get the best rates.
The amount of coverage will also change your rate. If you choose state minimum limits your rate will be a lot lower than the driver that opts to purchase higher rates. Chances are though if you get into an accident, you will want that higher coverage.
These all factors we will look at in each city guide. We will break down the rates of the largest companies writing in the state to show you how they measure up in your zip code.
Does Reliable Insurance Change with an Unfamiliar City?
Are you new to your city and feel lost when trying to get around town? Maybe you try to go downtown and can’t find parking or do not know if your city has Uber or Lyft. We won’t only give you information on your insurance, but we will help you navigate your city and make living there easier.
We will look at busy highways and when you need to have money ready for toll roads. If you want to avoid driving for a night out with friends, we also have a list of all the ridesharing companies available in your city.
Hate traffic? So do we. Bigger metro-areas have a bad reputation for bumper to bumper traffic and no one has time to sit in a parking lot when rushing to work. We will look at data from the biggest traffic reporting sites and give you the lowdown on when traffic is the worst and which roads are the busiest.
Crime is another topic we will touch on when reviewing your city. We want you to have cheaper insurance rates with a lower crime rate in your zip code, but we also want you to feel safe in your neighborhood. We will list the safest neighborhoods and give your crime stats for your city.
Roadway fatalities in another way we try to keep you safe. Knowing when and where accidents happen can make you more aware and cautious when driving.
We want you insured for the worst-case scenario so if it happens you can get back on the road. If you live in an area with high flooding or an area of high crime, we want you to be prepared and know which coverages you should check out for your vehicle.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What’s The Bottom Line with Cheap Car Insurance in Your City?
Price is usually the bottom line when it comes to purchasing your insurance policy. How much is it going to cost? This varies by city, state, and even neighborhood.
If you live in Detroit, you may spend more on your annual car insurance than the price of your car. That’s right, Detroit averages a whopping $26,301.11 in annual insurance premiums. Someone living in East Lexington, Virginia, pays less than ten percent of that number at $2,018.13 annually.
Our goal is to find the cheapest rate on your insurance without compromising your coverage. We want to help you get quotes, buy insurance, and back on the road with confidence and more money in your pocket.
We have gathered data from all over the country and broke down the information for some of the biggest metro areas in the United States.
So take a look below and find your city and get started on finding the best, and cheapest, auto insurance. Then talk to an auto insurance agent. The rate you start with is not necessarily the rate you end with. Even if your rate is high going in, a good agent can help you get all applicable discounts. The cheapest insurance company may surprise you.
Are you looking for free insurance quotes?
Your one-stop online Car Insurance guide. Get a Free Quote Now!
Frequently Asked Questions
Which ZIP code is cheaper for car insurance?
The cheapest ZIP codes for car insurance vary by state and insurer, but typically, rural areas or small towns tend to have cheaper car insurance rates compared to urban areas with high traffic density and crime rates.
What city has the highest car insurance rates?
Detroit, Michigan, is known for having the highest car insurance rates in the United States.
Who is car insurance most expensive for?
Car insurance is most expensive for young drivers, particularly teenagers, and male drivers, especially those under 25 years old.
Who pays most for car insurance?
Typically, young male drivers, drivers with poor driving records (such as those with DUI convictions), and residents in high-risk areas (like Detroit) pay the most for car insurance.
Who insures the most cars?
State Farm is the largest auto insurer in the United States, insuring the most cars.
Which is the most expensive form of car insurance?
The most expensive form of car insurance is usually comprehensive and collision coverage with low deductibles and high liability limits.
What is the highest type of car insurance?
The highest type of car insurance generally includes full coverage, which encompasses comprehensive, collision, and high-limit liability insurance.
Who is known for the cheapest car insurance?
Geico is often recognized for offering some of the cheapest car insurance rates in the United States.
What type of car insurance is the cheapest?
Liability-only insurance, which meets the state minimum requirements, is typically the cheapest type of car insurance.
Where is the cheapest place to live for car insurance?
Small towns and rural areas, such as certain parts of Vermont or Maine, often have the cheapest car insurance rates.
What age is car insurance most expensive?
Car insurance is most expensive for drivers under the age of 25, especially teenagers.
What is the best car insurance?
The best car insurance depends on individual needs, but companies like USAA, Geico, and State Farm are frequently highly rated for their coverage options, customer service, and affordability.
What is the best insurance company for expensive cars?
For expensive cars, Chubb and Hagerty are often considered among the best insurance companies due to their specialized coverage options for high-value vehicles.
What are the top 5 insurance companies?
The top five car insurance companies in the U.S. by market share are State Farm, Geico, Progressive, Allstate, and USAA.
Which car insurance is best for claims?
USAA is often praised for its excellent claims handling, though it’s only available to military members and their families. For the general public, Amica and State Farm are also well-regarded.
Which category of car insurance is best?
Full coverage, which includes liability, collision, and comprehensive insurance, is often considered the best as it provides the most extensive protection.
What is the most basic car insurance called?
The most basic car insurance is called liability insurance, which covers damages you cause to others in an accident.
What is fully comprehensive car insurance?
Fully comprehensive car insurance covers damages to your car and other vehicles involved in an accident, as well as theft, vandalism, and natural disasters.
Do I still need CTPL if I have comprehensive insurance?
In some countries like the Philippines, Compulsory Third Party Liability (CTPL) is mandatory even if you have comprehensive insurance.
What is the meaning of CTPL in insurance?
CTPL stands for Compulsory Third Party Liability, which is a basic insurance that covers liability for damages caused to third parties.
Which is better, comprehensive or third-party insurance?
Comprehensive insurance is better as it provides broader coverage, including damages to your vehicle, theft, and natural disasters, in addition to third-party liabilities.
Which brand of car has the cheapest insurance?
Brands like Honda, Toyota, and Subaru typically have cheaper insurance rates due to their safety features and lower repair costs.
Which country has the highest insurance rate?
The United States often has some of the highest car insurance rates in the world.
Why is car insurance so expensive in the USA?
Car insurance is expensive in the USA due to factors like high traffic density, higher rates of accidents and claims, expensive medical costs, and varying state regulations.
Which country is the most expensive to buy a car?
Singapore is known to be the most expensive country to buy a car, primarily due to high taxes and a limited number of certificates of entitlement.
What state has the cheapest car prices?
States like New Hampshire, Ohio, and Oregon are known for having some of the cheapest car prices due to lower taxes and fees.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.