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Ashlyn BrooksWritten by
Amelia BuckleyEdited by
Mark FriedlanderReviewed by
Amelia BuckleyEdited by
Mark FriedlanderReviewed by
Updated May 13, 2024
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On this page
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On This Page
On This Page
- Why your city matters for car insurance
- Car insurance rates by city
- How to compare providers
- Lowering your car insurance premium
- Frequently asked questions
- Methodology
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.
Bankrate Insights
- 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.
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This advertisem*nt 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 advertisem*nt 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 advertisem*nt. 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.
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.
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 endorsem*nt 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
Finding a cheap car insurance company is one of the best ways to secure a lower premium, but there are other ways you might be able to save on car insurance:
- 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
Methodology
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.
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.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
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.
Written by
Ashlyn Brooks
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Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.