Compare Car Insurance Rates by City [2023]

The city you live in affects your car insurance in various ways, including (1) minimum coverage requirements, (2) penalties for breaking the law, and (3) car insurance rates.

UPDATED: Jun 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 10, 2023Fact Checked

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Joel Ohman

Founder & CFP®

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Founder & CFP®

UPDATED: Jun 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 10, 2023Fact Checked

Find car insurance information on the city you live in or maybe a city you are thinking about moving to. Check out the car insurance by city articles below and then compare rates with the free car insurance quote comparison tool above.

[catlist name=cities numberposts=-1 orderby=title order=asc]

Frequently Asked Questions

Why do car insurance rates vary by city?

Car insurance rates can vary by city due to several factors. These include population density, crime rates, frequency of accidents, local weather conditions, and the overall cost of living. Insurance companies assess these factors when determining the risk associated with insuring vehicles in a particular city, which influences the premiums they charge.

How can I compare car insurance rates in different cities?

To compare car insurance rates in different cities, you can follow these steps:

  1. Research insurance providers: Look for reputable insurance companies that operate in the cities you are interested in.
  2. Obtain quotes: Contact each insurance company and request quotes based on your specific needs and location.
  3. Compare coverage and rates: Review the coverage options and premiums offered by each insurance company to find the most suitable option for you.

Are car insurance rates generally higher in urban areas compared to rural areas?

Yes, car insurance rates are often higher in urban areas compared to rural areas. Urban areas tend to have higher traffic congestion, more accidents, and higher crime rates, which can increase the risk of accidents and theft. Consequently, insurance companies often charge higher premiums to offset these increased risks.

Can I save money on car insurance by moving to a different city?

Moving to a different city solely for the purpose of saving money on car insurance may not be a practical approach. While car insurance rates can vary by location, other factors such as your driving history, age, type of vehicle, and coverage options also significantly impact your premiums. It is advisable to consider all relevant factors before making a decision to relocate.

Are there any specific cities known for having higher or lower car insurance rates?

Yes, certain cities may have reputations for higher or lower car insurance rates. However, it is essential to remember that rates can vary widely depending on individual circumstances and insurance providers’ policies. Factors like local laws, driving patterns, and the competitiveness of the insurance market also play a role. It’s best to obtain personalized quotes from insurance companies to determine the specific rates for the cities you’re interested in.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Joel Ohman

Founder & CFP®

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Founder & CFP®

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption