Your location is one of the most powerful factors that determines your auto insurance premiums. When you apply for car insurance, insurers will look at risk factors associated with your ZIP code, such as crime rates and crash statistics. In large cities with dense traffic, high rates of property crime or steep healthcare costs, the price of auto insurance coverage tends to go up. In smaller cities and rural areas, you’re likely to find more affordable rates from many insurers. Bankrate’s insurance editorial team analyzed average premium data from Quadrant Information Services to find the cheapest and most expensive cities for car insurance across the country.

Bankrate Insights

Brooklyn, New York, is the most expensive city in the U.S. for full coverage car insurance according to our research.
Many of the cheapest cities for full coverage are in Idaho, Vermont and Hawaii.
Palm Beach is Florida’s most expensive city for auto insurance, at an average full coverage rate of $5,341 per year. In Santa Rosa Beach, Florida’s cheapest city for full coverage, rates average $2,699 per year.
The most expensive cities for car insurance in California and Texas are Beverly Hills and Galena Park, respectively.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How does your city influence your car insurance rates?

Although the national average cost of car insurance is $2,697 per year for a full coverage policy, car insurance rates vary greatly by state and city. Each state’s rates are based on state-specific laws, but areas within each state also have location-specific factors that influence car insurance rates, such as:

Traffic density: Vehicles driven in an area with high traffic volume are exposed to a higher risk of accidents.
Accident reports: Regardless of traffic patterns, a high number of motor vehicle crashes signals to insurers that an area may carry higher insurance risks.
Property crime: Comprehensive coverage pays out for losses due to vehicle theft or vandalism (often a result of attempted theft). If your area sees high property crime rates, you may pay more for full coverage.
Repair and healthcare costs: In high cost of living areas, auto repair bills and medical bills may be higher, leading to more costly insurance claims and higher premiums for local vehicle owners.
Weather patterns: If your city is subject to severe winter storms, hurricanes or other types of extreme weather that can lead to accidents and insurance claims, your insurance company may charge a higher rate.

While your location impacts average annual premiums, it is not the only rating factor. Your driving history, the type of car you drive, the number of drivers and vehicles on your policy and what coverage types you choose will all impact your premium. Additionally, your age and gender may play a role in determining your premium, although not all areas of the country allow these rating factors.

Most and least expensive cities for car insurance in each state

When you get car insurance quotes, knowing the average prices in your state’s most and least expensive cities might help you understand if the quotes you receive are competitive. Using proprietary rate data provided by Quadrant Information Services, the table below shows the average annual cost for full coverage car insurance, which typically includes collision and comprehensive coverage. Keep in mind, though, that your rates will vary based on details specific to you.

Colorado

Fort Lyon

$3,979

Fruita

$2,299

Connecticut

Hartford

$3,718

Bolton

$2,281

Delaware

New Castle

$3,491

Ocean View

$2,357

Florida

Palm Beach

$5,341

Santa Rosa Beach

$2,699

Georgia

Lithonia

$3,903

Lake Park

$2,223

Hawaii

Naalehu

$1,754

Kealia

$1,481

Idaho

Porthill

$1,665

Garden City

$1,349

Illinois

Dolton

$3,211

Normal

$1,832

Indiana

Gary

$2,646

Decatur

$1,491

Iowa

Gravity

$2,435

Coralville

$1,661

Kansas

Coolidge

$3,050

Edgerton

$2,195

Kentucky

Gray Hawk

$4,125

Fort Thomas

$2,068

Louisiana

New Orleans

$5,948

Ruston

$3,081

Maine

West Forks

$1,887

Scarborough

$1,568

Maryland

Gwynn Oak

$4,321

Hagerstown

$2,340

Massachusetts

Roxbury

$3,646

Rowe

$1,418

Michigan

Hamtramck

$5,946

Hudsonville

$2,363

Minnesota

Pennington

$2,939

Mankato

$2,226

Mississippi

Hermanville

$2,815

Starkville

$2,053

Missouri

Saint Louis

$3,059

Jefferson City

$2,111

Montana

Hays

$2,865

Milltown

$2,065

Nebraska

Hayes Center

$2,993

Lincoln

$2,095

Nevada

Nellis Afb

$4,136

Winnemucca

$2,117

New Hampshire

Manchester

$1,939

Swanzey

$1,542

New Jersey

Irvington

$4,398

Manasquan

$2,536

New Mexico

Albuquerque

$2,390

Alamogordo

$1,751

New York

Brooklyn

$6,779

Fairport

$1,774

North Carolina

Newell

$2,357

Chapel Hill

$1,531

North Dakota

Selfridge

$2,173

West Fargo

$1,598

Ohio

Cleveland

$2,370

Fremont

$1,536

Oklahoma

Tulsa

$3,008

Bartlesville

$2,500

Oregon

Gresham

$2,561

Corvallis

$1,815

Pennsylvania

Philadelphia

$4,226

Walnut Bottom

$1,767

Rhode Island

Providence

$3,731

Middletown

$2,217

South Carolina

Crocketville

$2,599

Newry

$1,745

South Dakota

Allen

$3,176

Brookings

$1,919

Tennessee

Memphis

$2,571

Bristol

$1,659

Texas

Galena Park

$3,174

Wellborn

$2,232

Utah

Magna

$2,396

Hurricane

$1,943

Vermont

Jeffersonville

$1,694

Essex Junction

$1,499

Virginia

Norfolk

$2,357

Blacksburg

$1,742

Washington

Tacoma

$2,236

Port Townsend

$1,562

West Virginia

Crum

$2,916

Triadelphia

$1,919

Wisconsin

Brill

$2,491

Combined Locks

$1,532

Wyoming

Daniel

$1,882

Ranchester

$1,650

District of Columbia

Naval Anacost Annex

$2,873

Naval Anacost Annex

$2,873


Alabama	Annemanie	$2,557	Enterprise	$1,958
Alaska	Anchorage	$2,538	Sitka	$1,813
Arizona	Phoenix	$3,071	Lake Havasu City	$1,988
Arkansas	Crumrod	$2,870	Centerton	$2,200
California	Beverly Hills	$4,891	Los Osos	$2,292
Colorado	Fort Lyon	$3,979	Fruita	$2,299
Connecticut	Hartford	$3,718	Bolton	$2,281
Delaware	New Castle	$3,491	Ocean View	$2,357
Florida	Palm Beach	$5,341	Santa Rosa Beach	$2,699
Georgia	Lithonia	$3,903	Lake Park	$2,223
Hawaii	Naalehu	$1,754	Kealia	$1,481
Idaho	Porthill	$1,665	Garden City	$1,349
Illinois	Dolton	$3,211	Normal	$1,832
Indiana	Gary	$2,646	Decatur	$1,491
Iowa	Gravity	$2,435	Coralville	$1,661
Kansas	Coolidge	$3,050	Edgerton	$2,195
Kentucky	Gray Hawk	$4,125	Fort Thomas	$2,068
Louisiana	New Orleans	$5,948	Ruston	$3,081
Maine	West Forks	$1,887	Scarborough	$1,568
Maryland	Gwynn Oak	$4,321	Hagerstown	$2,340
Massachusetts	Roxbury	$3,646	Rowe	$1,418
Michigan	Hamtramck	$5,946	Hudsonville	$2,363
Minnesota	Pennington	$2,939	Mankato	$2,226
Mississippi	Hermanville	$2,815	Starkville	$2,053
Missouri	Saint Louis	$3,059	Jefferson City	$2,111
Montana	Hays	$2,865	Milltown	$2,065
Nebraska	Hayes Center	$2,993	Lincoln	$2,095
Nevada	Nellis Afb	$4,136	Winnemucca	$2,117
New Hampshire	Manchester	$1,939	Swanzey	$1,542
New Jersey	Irvington	$4,398	Manasquan	$2,536
New Mexico	Albuquerque	$2,390	Alamogordo	$1,751
New York	Brooklyn	$6,779	Fairport	$1,774
North Carolina	Newell	$2,357	Chapel Hill	$1,531
North Dakota	Selfridge	$2,173	West Fargo	$1,598
Ohio	Cleveland	$2,370	Fremont	$1,536
Oklahoma	Tulsa	$3,008	Bartlesville	$2,500
Oregon	Gresham	$2,561	Corvallis	$1,815
Pennsylvania	Philadelphia	$4,226	Walnut Bottom	$1,767
Rhode Island	Providence	$3,731	Middletown	$2,217
South Carolina	Crocketville	$2,599	Newry	$1,745
South Dakota	Allen	$3,176	Brookings	$1,919
Tennessee	Memphis	$2,571	Bristol	$1,659
Texas	Galena Park	$3,174	Wellborn	$2,232
Utah	Magna	$2,396	Hurricane	$1,943
Vermont	Jeffersonville	$1,694	Essex Junction	$1,499
Virginia	Norfolk	$2,357	Blacksburg	$1,742
Washington	Tacoma	$2,236	Port Townsend	$1,562
West Virginia	Crum	$2,916	Triadelphia	$1,919
Wisconsin	Brill	$2,491	Combined Locks	$1,532
Wyoming	Daniel	$1,882	Ranchester	$1,650
District of Columbia	Naval Anacost Annex	$2,873	Naval Anacost Annex	$2,873

What to do if you live in one of the most expensive cities for car insurance

If the average insurance rates are high where you live, you may still be able to lower your rates with discounts and special programs. Look for multi-car discounts, good driver discounts, and see if your employer has a group discount with certain insurers. For instance, in Minneapolis, corporate Target employees may be eligible for a discount of up to 15 percent with some insurers. If you take public transit to work to avoid driving during rush hour, you may also benefit from participating in a telematics program that rewards you for staying off the road in peak traffic.

How to choose the best car insurance in your city

When you are shopping for insurance, comparing coverage options and rates is an ideal way to find the best car insurance company for you. Here are some things to keep in mind throughout the process:

Research discounts: Not every provider offers the same car insurance discounts, nor does every provider offer the same savings with each discount. For example, you may save a lot more by signing up for paperless statements with one provider than you will with another.
Review coverage options: Everyone has different coverage needs, and not every insurance company will offer the options you may need. If you have custom sound equipment in your car, for example, some carriers have an endorsement to provide coverage for it. Or perhaps you often drive with a dog in the car. Some companies offer medical coverage for your pets if you get into an accident while they are in the car.
Look up third-party ratings: Organizations like J.D. Power and AM Best can help you understand important features of auto insurance carriers. J.D. Power publishes various reports regarding customer satisfaction. AM Best assesses the financial strength of property and casualty insurers. Car insurance providers with high financial strength ratings have historically been able to pay out claims during catastrophic events when many losses are filed.
Compare quotes: Auto insurance companies each use a proprietary rating algorithm to determine how much your car insurance will be. Some companies may charge you more for a speeding ticket than others, for example. Getting quotes from several companies allows you to compare rates while also reviewing a company’s coverage options, discount opportunities and policy features.

Frequently asked questions

Different cities come with different rating factors. The frequency of claims, healthcare costs, likelihood of weather damage and cost of vehicle repairs all impact car insurance rates. Insurance is designed to cover the financial burden of an accident, so anything that could increase potential claim costs can also increase auto insurance prices. Insurance companies may also look at the number of car thefts in your area, especially if you drive a car model that is often targeted.
In addition to the average rate data featured on this page, you can compare rates for different ZIP codes by getting personalized quotes from the carriers you're considering. Most companies allow you to generate a quote by inputting personal information, including your ZIP code, on their websites. If you're considering a move and wondering how it will affect your coverage costs, this can be a helpful first step.
In Bankrate's analysis of average car insurance rates by city, several small towns in Idaho came up with the lowest average rates for full coverage car insurance. For instance, residents of Garden City, Idaho pay an average of $1,349 per year for full coverage, which is around 50 percent less than the national average. Among major metropolitan statistical areas, Seattle has the lowest average cost of car insurance, at $2,068 per year for full coverage.
When it comes to high insurance rates, Brooklyn leads the way at an average annual rate of $6,779 — 151 percent more than the national average. However, the New York metropolitan statistical area actually ranks third among expensive cities for car insurance, with Miami and Tampa outpricing the Big Apple.

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Car insurance rates by city in 2025

Compare auto insurance rates

How does your city influence your car insurance rates?

Most and least expensive cities for car insurance in each state

How to choose the best car insurance in your city

Frequently asked questions

Why do car insurance rates vary by city?

How do I compare car insurance rates by ZIP code?

Which city has the cheapest car insurance?

Which cities have the highest car insurance rates?

Methodology

Rates

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status:

Bankrate Score