Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 19, 2021

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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.

Birmingham, ALElk Grove, CAAntioch, CACape Coral, FLSchaumburg, ILKS City, KSJackson, MSEugene, ORCarrollton, TX
Montgomery, ALCorona, CARichmond, CAPembroke Pines, FLYork, ILOlathe, KSBillings, MontanaGresham, ORDenton, TX
Mobile, ALLancaster, CAWest Covina, CAHollywood, FLMilton, ILTopeka, KSWinston-Salem, NCPhiladelphia, PAMidland, TX
Huntsville, ALPalmdale, CAMurrieta, CAMiramar, FLLisle, ILLafayette, LAFayetteville, NCAllentown, PAAbilene, TX
Little Rock, ARSalinas, CANorwalk, CAGainesville, FLSpringfield, ILBaton Rouge, LACary, NCProvidence, RIBeaumont, TX
Phoenix, AZHayward, CADaly City, CACoral Springs, FLCapital, ILShreveport, LAWilmington, NCColumbia, SCOdessa, TX
Gilbert, AZPomona, CABurbank, CAMiami Gardens, FLPeoria, ILCalcasieu, LAHigh Point, NCCharleston, SCRound Rock, TX
Glendale, AZEscondido, CASanta Maria, CAClearwater, FLPalatine, ILSt. Tammany, LAFargo, NDNorth Charleston, SCRichardson, TX
Scottsdale, AZSunnyvale, CAEl Cajon, CAPompano Beach, FLBloomingdale, ILEast Baton Rouge, LAManchester, NHSioux Falls, SDWichita Falls, TX
Tempe, AZTorrance, CASan Mateo, CAPalm Bay, FLLyons, ILOuachita, LAPaterson, NJKnoxville, TNCollege Station, TX
Peoria, AZPasadena, CARialto, CAWest Palm Beach, FLBremen, ILLivingston, LAElizabeth, NJChattanooga, TNPearland, TX
Surprise, AZOrange, CAClovis, CALakeland, FLElgin, ILRapides, LAEdison, NJClarksville, TNLewisville, TX
Los Angeles, CAFullerton, CAFort Collins, COColumbus, GANiles, ILTangipahoa, LAWoodbridge, NJMurfreesboro, TNTyler, TX
San Diego, CAThousand Oaks, CALakewood, COSavannah, GAHanover, ILBossier, LALas Cruces, NMHouston, TXSalt Lake City, UT
San Jose, CAVisalia, CAThornton, COSandy Springs, GAIndianapolis, INAscension, LAReno, NVSan Antonio, TXWest Valley City, UT
San Francisco, CARoseville, CAArvada, COBoise City, IDNorth, INTerrebonne, LANorth Las Vegas, NVDallas, TXProvo, UT
Fremont, CAConcord, CAWestminster, CODes Moines, IACenter, INWorcester, MANYC, NYAustin, TXWest Jordan, UT
San Bernardino, CASimi Valley, CAPueblo, COCedar Rapids, IAWayne, INSpringfield, MAOyster Bay, NYLubbock, TXChesapeake, VA
Modesto, CASanta Clara, CACentennial, CODavenport, IAWA, INLowell, MANorth Hempstead, NYGarland, TXRichmond, VA
Oxnard, CAVictorville, CABoulder, COChicago, ILLawrence, INCambridge, MABabylon, NYIrving, TXNewport News, VA
Fontana, CAVallejo, CABridgeport, CTAurora, ILEvansville, INGrand Rapids, MIRochester, NYAmarillo, TXAlexandria, VA
Moreno Valley, CABerkeley, CANew Haven, CTRockford, ILPerry, INWarren, MIHuntington, NYGrand Prairie, TXHampton, VA
Huntington Beach, CAEl Monte, CAStamford, CTThornton, ILGreen Bay, WISterling Heights, MIYonkers, NYBrownsville, TXSpokane, WA
Glendale, CADowney, CAHartford, CTWheeling, ILFort Wayne, INAnn Arbor, MISyracuse, NYMcKinney, TXTacoma, WA
Santa Clarita, CACosta Mesa, CAWaterbury, CTWorth, ILWarren, INLansing, MIRamapo, NYPasadena, TXVancouver, WA
Garden Grove, CACarlsbad, CAJacksonville, FLProviso, ILCalumet, INRochester, MNAmherst, NYFrisco, TXBellevue, WA
Oceanside, CAInglewood, CAHialeah, FLDowners Grove, ILSouth Bend, INSpringfield, MOSmithtown, NYMesquite, TXKent, WA
Rancho Cucamonga, CAFairfield, CATallahassee, FLJoliet, ILAkron, OhioKS City, MONorman, OKMcAllen, TXEverett, WA
Santa Rosa, CASan Buenaventura (Ventura), CAFort Lauderdale, FLNaperville, ILDayton, OhioIndependence, MOBroken Arrow, OKKilleen, TX
Ontario, CATemecula, CAPort St. Lucie, FLMaine, ILOverland Park, KSColumbia, MOSalem, ORWaco, TX
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The 10 Most Expensive Cities in America

StateCityAverage by CityMost Expensive CompanyMost Expensive RateCheapest CompanyCheapest Rate
MichiganRiver Rouge$19,405.58Farmers$38,258.61USAA$4,904.33
MichiganHarper Woods$19,225.22Farmers$40,532.15USAA$4,601.02
MichiganOak Park$18,716.04Allstate$40,770.62USAA$4,786.60
MichiganLathrup Village$16,742.91Allstate$33,371.80USAA$4,294.61
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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.

The 10 Least Expensive Cities in America

StateCityAverage by CityMost Expensive CompanyMost Expensive RateCheapest CompanyCheapest Rate
VirginiaEast Lexington$2,018.13Allstate$3,002.04USAA$1,638.89
VirginiaBuena Vista$2,039.40Allstate$3,002.04USAA$1,638.89
VirginiaLacey Spring$2,041.03Allstate$2,998.27USAA$1,624.96
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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.

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.

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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.

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.

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