See Car Insurance Rates by Zip Code
Car insurance rates by city
Car insurance quotes are incredibly specific. Your car insurance costs will change based on your vehicle, driving record and location — right down to your ZIP code.
If you were to move across town, your car insurance premium could get cheaper or more expensive, depending on your new ZIP code. Choose a city below to find out more.
Key takeaways
- The NYC metro area ranks as the most expensive area for car insurance. Brooklyn tops the list — on average, full coverage costs almost $3,000 per six-month policy!
- Detroit, Michigan is the second priciest major city for auto insurance, with an average cost of over $2,300.
- Rates are the cheapest in Raleigh, North Carolina, with Charlotte coming in as a close second.
- Overall, North Carolina and Ohio are the cheapest states for car insurance, while Florida and Louisiana are the most expensive.
Why does your city matter?
Each city is unique in the risk profiles they present. Generally, insurance companies consider cities with high population density — so places with more traffic and in some cases, crime — as riskier places to live and will charge higher rates to make up for it. The cost of living also has an effect on the costs of repair and labor, which can be higher in bigger cities.
Locations that are vulnerable to natural disasters also have pricier premiums for car insurance. Florida and Louisiana, for example, are the most expensive states for drivers due to their proximity to the coast and how often hurricanes and flooding can occur.
While insurance companies can price their customers down to their ZIP code, where a driver lives isn't the only rating factor — but it's an important one. Other factors include a driver's age, driving record, insurance history, credit and more.
Get personalized insurance rates in less than 5 minutes.
Cost of car insurance in the top 50 cities
Knowing what the average premium is in your city is a great jumping-off point before shopping for your next policy as it will give you a baseline for you to recognize when a quote is fair. Just don't forget that if you have any other factors that insurance companies consider to be risky — like recent accidents or citations, spotty insurance history or bad credit — you can expect your quotes to be higher.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.