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Car insurance rates by city in 2024
Powered by Coverage.com (NPN: 19966249)
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.
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 more likely to find 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 Massachusetts, Ohio and Vermont.
- North Miami Beach is Florida’s most expensive city for auto insurance, at an average full coverage rate of $4,969 per year. In Santa Rosa Beach, Florida’s cheapest city for full coverage, rates average $2,519 per year.
- The most expensive cities for car insurance in California and Texas are Tarzana and Houston, respectively.
How does your city influence your car insurance rates?
Although the national average cost of car insurance is $2,388 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, including collision and comprehensive coverage. Keep in mind, though, that your rates will vary based on your individual rating factors.
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|
|
|
|
---|---|---|---|---|
Alabama
|
Most expensive city
Morvin
|
Most expensive city's average annual full coverage premium
$2,461
|
Cheapest city
Ozark
|
Cheapest city's average annual full coverage premium
$1,908
|
Alaska
|
Most expensive city
Anchorage
|
Most expensive city's average annual full coverage premium
$2,466
|
Cheapest city
Port Alexander
|
Cheapest city's average annual full coverage premium
$1,769
|
Arizona
|
Most expensive city
Phoenix
|
Most expensive city's average annual full coverage premium
$3,213
|
Cheapest city
Littlefield
|
Cheapest city's average annual full coverage premium
$2,059
|
Arkansas
|
Most expensive city
Crumrod
|
Most expensive city's average annual full coverage premium
$2,737
|
Cheapest city
Bella Vista
|
Cheapest city's average annual full coverage premium
$2,097
|
California
|
Most expensive city
Tarzana
|
Most expensive city's average annual full coverage premium
$4,374
|
Cheapest city
Weed
|
Cheapest city's average annual full coverage premium
$2,073
|
Colorado
|
Most expensive city
Fort Lyon
|
Most expensive city's average annual full coverage premium
$3,716
|
Cheapest city
Fruita
|
Cheapest city's average annual full coverage premium
$2,130
|
Connecticut
|
Most expensive city
Hartford
|
Most expensive city's average annual full coverage premium
$3,388
|
Cheapest city
Groton
|
Cheapest city's average annual full coverage premium
$2,090
|
Delaware
|
Most expensive city
New Castle
|
Most expensive city's average annual full coverage premium
$3,085
|
Cheapest city
Ocean View
|
Cheapest city's average annual full coverage premium
$2,105
|
Florida
|
Most expensive city
North Miami Beach
|
Most expensive city's average annual full coverage premium
$4,969
|
Cheapest city
Santa Rosa Beach
|
Cheapest city's average annual full coverage premium
$2,519
|
Georgia
|
Most expensive city
Lithonia
|
Most expensive city's average annual full coverage premium
$3,627
|
Cheapest city
Lake Park
|
Cheapest city's average annual full coverage premium
$2,086
|
Hawaii
|
Most expensive city
Keaau
|
Most expensive city's average annual full coverage premium
$1,651
|
Cheapest city
Kekaha
|
Cheapest city's average annual full coverage premium
$1,367
|
Idaho
|
Most expensive city
Porthill
|
Most expensive city's average annual full coverage premium
$1,528
|
Cheapest city
Boise
|
Cheapest city's average annual full coverage premium
$1,247
|
Illinois
|
Most expensive city
Dolton
|
Most expensive city's average annual full coverage premium
$3,019
|
Cheapest city
Bloomington
|
Cheapest city's average annual full coverage premium
$1,626
|
Indiana
|
Most expensive city
Gary
|
Most expensive city's average annual full coverage premium
$2,663
|
Cheapest city
Decatur
|
Cheapest city's average annual full coverage premium
$1,487
|
Iowa
|
Most expensive city
Bedford
|
Most expensive city's average annual full coverage premium
$2,218
|
Cheapest city
Coralville
|
Cheapest city's average annual full coverage premium
$1,573
|
Kansas
|
Most expensive city
Coolidge
|
Most expensive city's average annual full coverage premium
$3,081
|
Cheapest city
Edgerton
|
Cheapest city's average annual full coverage premium
$2,239
|
Kentucky
|
Most expensive city
Goose Rock
|
Most expensive city's average annual full coverage premium
$3,808
|
Cheapest city
Fort Thomas
|
Cheapest city's average annual full coverage premium
$2,036
|
Louisiana
|
Most expensive city
Arabi
|
Most expensive city's average annual full coverage premium
$4,946
|
Cheapest city
Sarepta
|
Cheapest city's average annual full coverage premium
$2,778
|
Maine
|
Most expensive city
Cutler
|
Most expensive city's average annual full coverage premium
$1,654
|
Cheapest city
Cape Elizabeth
|
Cheapest city's average annual full coverage premium
$1,436
|
Maryland
|
Most expensive city
Gwynn Oak
|
Most expensive city's average annual full coverage premium
$3,894
|
Cheapest city
Hagerstown
|
Cheapest city's average annual full coverage premium
$1,977
|
Massachusetts
|
Most expensive city
Roxbury
|
Most expensive city's average annual full coverage premium
$3,349
|
Cheapest city
Rowe
|
Cheapest city's average annual full coverage premium
$1,297
|
Michigan
|
Most expensive city
Hamtramck
|
Most expensive city's average annual full coverage premium
$5,635
|
Cheapest city
Zeeland
|
Cheapest city's average annual full coverage premium
$2,245
|
Minnesota
|
Most expensive city
Pennington
|
Most expensive city's average annual full coverage premium
$2,694
|
Cheapest city
Mankato
|
Cheapest city's average annual full coverage premium
$2,050
|
Mississippi
|
Most expensive city
Hermanville
|
Most expensive city's average annual full coverage premium
$2,717
|
Cheapest city
Starkville
|
Cheapest city's average annual full coverage premium
$1,984
|
Missouri
|
Most expensive city
Beaufort
|
Most expensive city's average annual full coverage premium
$3,437
|
Cheapest city
Marshall
|
Cheapest city's average annual full coverage premium
$2,249
|
Montana
|
Most expensive city
Wyola
|
Most expensive city's average annual full coverage premium
$2,709
|
Cheapest city
Milltown
|
Cheapest city's average annual full coverage premium
$1,968
|
Nebraska
|
Most expensive city
Hayes Center
|
Most expensive city's average annual full coverage premium
$2,698
|
Cheapest city
Lincoln
|
Cheapest city's average annual full coverage premium
$2,045
|
Nevada
|
Most expensive city
Nellis Afb
|
Most expensive city's average annual full coverage premium
$3,816
|
Cheapest city
Winnemucca
|
Cheapest city's average annual full coverage premium
$2,037
|
New Hampshire
|
Most expensive city
Manchester
|
Most expensive city's average annual full coverage premium
$2,022
|
Cheapest city
Swanzey
|
Cheapest city's average annual full coverage premium
$1,624
|
New Jersey
|
Most expensive city
Irvington
|
Most expensive city's average annual full coverage premium
$3,663
|
Cheapest city
Sea Girt
|
Cheapest city's average annual full coverage premium
$2,029
|
New Mexico
|
Most expensive city
Albuquerque
|
Most expensive city's average annual full coverage premium
$2,586
|
Cheapest city
Alamogordo
|
Cheapest city's average annual full coverage premium
$1,866
|
New York
|
Most expensive city
Brooklyn
|
Most expensive city's average annual full coverage premium
$6,643
|
Cheapest city
Penfield
|
Cheapest city's average annual full coverage premium
$1,689
|
North Carolina
|
Most expensive city
Newell
|
Most expensive city's average annual full coverage premium
$2,714
|
Cheapest city
Carrboro
|
Cheapest city's average annual full coverage premium
$1,692
|
North Dakota
|
Most expensive city
Selfridge
|
Most expensive city's average annual full coverage premium
$2,125
|
Cheapest city
Fargo
|
Cheapest city's average annual full coverage premium
$1,586
|
Ohio
|
Most expensive city
Cleveland
|
Most expensive city's average annual full coverage premium
$2,002
|
Cheapest city
Fremont
|
Cheapest city's average annual full coverage premium
$1,239
|
Oklahoma
|
Most expensive city
Spencer
|
Most expensive city's average annual full coverage premium
$2,887
|
Cheapest city
Dewey
|
Cheapest city's average annual full coverage premium
$2,378
|
Oregon
|
Most expensive city
Gresham
|
Most expensive city's average annual full coverage premium
$2,357
|
Cheapest city
Crane
|
Cheapest city's average annual full coverage premium
$1,666
|
Pennsylvania
|
Most expensive city
Philadelphia
|
Most expensive city's average annual full coverage premium
$3,803
|
Cheapest city
Walnut Bottom
|
Cheapest city's average annual full coverage premium
$1,700
|
Rhode Island
|
Most expensive city
Providence
|
Most expensive city's average annual full coverage premium
$3,468
|
Cheapest city
Middletown
|
Cheapest city's average annual full coverage premium
$2,100
|
South Carolina
|
Most expensive city
Crocketville
|
Most expensive city's average annual full coverage premium
$2,421
|
Cheapest city
Newry
|
Cheapest city's average annual full coverage premium
$1,611
|
South Dakota
|
Most expensive city
Allen
|
Most expensive city's average annual full coverage premium
$3,099
|
Cheapest city
Brookings
|
Cheapest city's average annual full coverage premium
$1,891
|
Tennessee
|
Most expensive city
Memphis
|
Most expensive city's average annual full coverage premium
$2,506
|
Cheapest city
Bristol
|
Cheapest city's average annual full coverage premium
$1,644
|
Texas
|
Most expensive city
Houston
|
Most expensive city's average annual full coverage premium
$2,804
|
Cheapest city
Sheppard Afb
|
Cheapest city's average annual full coverage premium
$2,025
|
Utah
|
Most expensive city
Magna
|
Most expensive city's average annual full coverage premium
$2,327
|
Cheapest city
Hurricane
|
Cheapest city's average annual full coverage premium
$1,872
|
Vermont
|
Most expensive city
Belvidere Center
|
Most expensive city's average annual full coverage premium
$1,415
|
Cheapest city
Essex Junction
|
Cheapest city's average annual full coverage premium
$1,268
|
Virginia
|
Most expensive city
Hurley
|
Most expensive city's average annual full coverage premium
$2,396
|
Cheapest city
Blacksburg
|
Cheapest city's average annual full coverage premium
$1,761
|
Washington
|
Most expensive city
Tacoma
|
Most expensive city's average annual full coverage premium
$1,993
|
Cheapest city
Port Townsend
|
Cheapest city's average annual full coverage premium
$1,404
|
West Virginia
|
Most expensive city
Crum
|
Most expensive city's average annual full coverage premium
$2,795
|
Cheapest city
Triadelphia
|
Cheapest city's average annual full coverage premium
$1,858
|
Wisconsin
|
Most expensive city
Milwaukee
|
Most expensive city's average annual full coverage premium
$2,362
|
Cheapest city
Combined Locks
|
Cheapest city's average annual full coverage premium
$1,469
|
Wyoming
|
Most expensive city
Meriden
|
Most expensive city's average annual full coverage premium
$1,762
|
Cheapest city
Ranchester
|
Cheapest city's average annual full coverage premium
$1,563
|
District of Columbia
|
Most expensive city
Washington
|
Most expensive city's average annual full coverage premium
$2,539
|
Cheapest city
Washington Navy Yard
|
Cheapest city's average annual full coverage premium
$2,539
|
How to choose the best car insurance in your city
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:
- 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/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
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 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 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
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
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 highlight where they fall short.