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Car insurance companies use multiple factors to determine your rate, from the type of car you drive to your credit history. One of the most significant factors is your location. If you live in an area where there is a higher risk that you will file a claim, you are likely to pay more for your policy. The highest car insurance rates by city are found in Roosevelt, New York, where drivers pay an average of $3,549 for full coverage. Meanwhile, the lowest car insurance prices are in Old Orchard Beach, Maine, where the average cost of full coverage is $883.
- Roosevelt, New York, is the most expensive city in the U.S. for full coverage car insurance according to our research.
- Drivers in Old Orchard Beach, Maine, pay the lowest full coverage rates on average. These rates reflect a difference of an astounding 302 percent from the average annual full coverage premium in Roosevelt.
- Miami is Florida’s most expensive city for auto insurance, at an average full coverage rate of $3,483 per year. This rate is 27 percent higher than Palm Coast — Florida’s cheapest city for full coverage — with an average annual rate of $2,753.
- The most expensive cities for car insurance in California and Texas (the two most populated states in the country) are Venice and Hutchins, respectively.
Why your city matters for car insurance
Although the average cost of car insurance is $2,014 per year for a full coverage policy, car insurance rates vary by 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. Major cities, for example, tend to have more traffic, which can lead to more accidents. Additionally, because the cost of living in cities tends to be higher than in rural areas, the costs associated with repairing damaged vehicles may be higher, driving up auto insurance rates. In most states, even your ZIP code can affect how much you pay for auto insurance `
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.
Car insurance rates by city
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, including collision and comprehensive coverage. Keep in mind, though, that your rates will vary based on your individual rating factors.
State Most expensive city Most expensive city’s average annual full coverage premium Cheapest city Cheapest city’s average annual full coverage premium % difference between highest and lowest city Alabama Fairfield $2,051 Hartselle $1,698 21% Alaska Anchorage $2,046 Kodiak $1,730 18% Arizona Tolleson $2,035 Morristown $1,670 22% Arkansas Hamburg $2,153 Lowell $1,725 25% California Venice $2,703 Canyon $2,135 27% Colorado Aurora $2,329 Eldorado Springs $1,885 24% Connecticut East Glastonbury $1,749 Plainville $1,429 22% Delaware Delaware City $2,356 Dover $1,840 28% Florida Miami $3,483 Palm Coast $2,753 27% Georgia Forest Park $2,427 Bonaire $1,913 27% Hawaii Captain Cook $1,348 Lanai City $1,203 12% Idaho Bonners Ferry $1,251 Boise $1,032 21% Illinois Lovejoy $2,051 Belleville $1,603 28% Indiana Hobart $1,532 Zanesville $1,197 28% Iowa Oakland $1,481 Coralville $1,153 28% Kansas Wilmore $2,159 Gardner $1,685 28% Kentucky Saint Mary $2,501 Russell Springs $1,960 28% Louisiana Braithwaite $3,411 Donner $2,689 27% Maine Milbridge $1,002 Old Orchard Beach $883 13% Maryland Lanham $2,270 Crofton $1,781 27% Massachusetts Salem $1,456 Lake Pleasant $1,133 29% Michigan Redford $3,136 Grosse Ile $2,452 28% Minnesota Almelund $1,948 Chanhassen $1,620 20% Mississippi Union Church $2,007 Sturgis $1,601 25% Missouri Florissant $2,270 Branson $1,834 24% Montana Brusett $2,152 Clinton $1,669 29% Nebraska Curtis $1,864 Lincoln $1,457 28% Nevada Nellis Afb $2,948 Blue Diamond $2,438 21% New Hampshire Salem $1,430 Swanzey $1,158 23% New Jersey South Hackensack $2,064 Riverside $1,610 28% New Mexico Isleta $1,717 Fruitland $1,432 20% New York Roosevelt $3,549 Islip Terrace $2,780 28% North Carolina Rex $1,684 Jamestown $1,289 31% North Dakota Fort Yates $1,441 Grand Forks $1,149 25% Ohio Campbell $1,440 Strongsville $1,151 25% Oklahoma Tulsa $2,158 Enid $1,832 18% Oregon Troutdale $1,644 Crabtree $1,289 28% Pennsylvania Glenolden $2,431 Tatamy $1,900 28% Rhode Island Cranston $2,180 Saunderstown $1,771 23% South Carolina Lodge $1,723 Sunset $1,361 27% South Dakota Highmore $1,801 Tea $1,400 29% Tennessee Ellendale $1,669 Gladeville $1,330 25% Texas Hutchins $2,251 Campbellton $1,798 25% Utah Magna $1,637 Saint George $1,373 19% Vermont Corinth $1,098 South Burlington $977 12% Virginia Hurley $1,604 Williamsburg $1,279 25% Washington Spanaway $1,569 Snoqualmie Pass $1,265 24% West Virginia Ravencliff $1,846 Valley Grove $1,437 28% Wisconsin Prairie Farm $1,509 Waukesha $1,166 29% Wyoming Aladdin $1,672 Wyarno $1,487 12% Washington, D.C. D.C. $2,072 D.C. $2,072 0%
How to compare providers
When you are shopping for insurance, comparing car insurance rates is often one of the best ways to find the best car insurance company. Here are some things to keep in mind when you compare providers:
- Compare 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.
- Compare 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.
- Compare 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/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.
Lowering your car insurance premium
- Bundle your policies: Bundling discounts, also called multi-policy discounts, are often the biggest savings opportunities that insurance companies offer. You might qualify if you insure both your home and car with the same company. If you don’t own a home, you can typically bundle car insurance with renters or condo insurance.
- Increase your deductible: If you have full coverage, you have comprehensive and collision deductibles on your policy. If you file a claim for damage to your vehicle, you will pay the appropriate deductible depending on what caused the damage. Increasing your deductibles often lowers your premium, but make sure you look at your entire financial picture before making this change to ensure that you can afford to pay a higher amount out of pocket should you need to file a claim.
- Consider the car you drive: Some cars are cheaper to insure than others. If you are in the market for a car or if you need to lower your premium significantly, choosing a car that has low average insurance costs can be a good first step toward keeping your insurance costs low.
- Improve your credit: Many states use your credit history as a rating factor. Generally, the lower your insurance-based credit score, the higher your auto insurance costs will be. If you can improve your score, you may see long-term savings regarding your car insurance.
- Move to a new city or ZIP code: This certainly is not the easiest way to lower your insurance costs, but if you are considering moving anyway, choosing your new location with your auto insurance premium in mind could help you avoid surprise costs.
Frequently asked questions
Different cities come with different rating factors. The frequency of claims, the level of health care costs, the likelihood of weather damage and the 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.
Switching car insurance companies is relatively easy. Once you have obtained a quote and know you want to proceed with a new company, a representative from that company will let you know how to get your policy started. You might have to sign an application and make at least one month’s payment. Once you know the effective date of your new policy, you can contact your prior carrier to cancel your old policy. Be sure to cancel your old policy after the new policy begins to avoid a gap in coverage, which could be financially disastrous if you were to have an accident during the period you’re uninsured.
The best car insurance company for you will vary based on your rating factors and what you are looking for in an insurance carrier. Knowing what coverage types, discounts and features you are looking for and then getting quotes from several companies to compare them can be helpful.
The average cost for full coverage in the U.S. is $2,014 a year. Minimum coverage costs an average of $622 per year. Remember that these are only average rates, though. Insurance costs may vary widely between states, cities and even ZIP codes. Additionally, your premium will be determined based on your individual rating factors, like your driving history, the type of car you drive and the coverage types and levels you choose.
Based on Bankrate’s analysis, Roosevelt, New York, has the most expensive auto insurance rates, with drivers paying an average of $3,549 for full coverage. The cheapest average full coverage rate is $883 in Old Orchard Beach, Maine. Keep in mind that multiple factors impact how much drivers pay for car insurance, so average rates should only be used for comparative purposes.
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.