Cities with the Highest Auto Insurance Quotes


If you’re shopping around for auto insurance quotes, chances are you’ve learned a few things. You know there are lots of steps you can take to lower your rate. Never being in an accident certainly helps, so you always drive carefully. You trust yourself as a driver, so you want a policy with a high deductible. You picked a “low risk” car with a lot of safety features, like antilock breaks and airbags. You even started walking to work so you can get a low-mileage discount. In short: you know your stuff!

Unfortunately, there are some things working against you that you can’t control. Your age and gender can both increase (or decrease) your rate, as can the number of years you’ve been behind the wheel. And unless you’re looking to move, you location is also on the “can’t control” list. Where you live has a significant impact on how much you pay for car insurance. If you’re in a suburban or rural area, your rates will likely be lower. If you’re in the city, you will pay more for insurance. This is true of most urban areas, but some cities are more expensive than others. Here a few of America’s most expensive cities for auto insurance.

Detroit, MI. In 2011, the average car insurance premium rate was almost $6,000 in Detroit. This is partly due to the state’s no-fault insurance system, and partly due to the high vehicle population.

Philadelphia, PA. In 2011, the average car insurance premium rate was just over $4,000 in Philadelphia. This is due to a high vehicle population and overcrowded streets.

New Orleans, LA. In 2011, the average car insurance premium rate was almost $3,600 in New Orleans. The reason for the astronomical insurance rate is a little different in this city; it’s due to judicial ruling. In the state of Louisiana, claims are settled out of court unless they total over $50,000.

Miami, FL. In 2011, the average car insurance premium rate was almost $3,400 in Miami. This is partly due to a high number of fraudulent claims, and partly due to the state’s no-fault auto insurance system.

Newark, NJ. In 2011, the average car insurance premium rate was almost $2,900. This is primarily due to the state’s no-fault insurance system.

Of course, this works in reverse, too. Just as some cities have astronomically high rates, other areas are lucky to have extremely low rates. When shopping around for auto insurance quotes, you’ll find the best prices in Bullhead City, AZ; Chloride, AZ; Oatman, AZ; Pine Point, ME and West Scarborough, ME. All of these cities have average premium rates between $730 and $735.

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