How Do Car Insurance Rates Differ by City

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By:  Ishan Mukhopadhyay Jan. 30, 2019

The city you live in decides much of the car insurance you pay. For instance, New Orleans is highly vulnerable to hurricanes, and therefore drivers in the city have to bear a surcharge on their insurance rates. Cities that enjoy better weather are more likely to see lower insurance rates. Other factors that affect your premium include the crime rate in the city, the state of its roads, and its population.A highly populated city may have a higher rate of accidents but if the city has well-built roads, then that will bring down the risk of accidents.

Zimlon analyzed the average premium in populous cities across states with the highest difference between the median and cheapest premiums. The following tables show the city-wise variation in insurance premiums and are arranged in order of high to low population.

Alabama

In the state of Alabama, average premiums vary between $1,507 and $1,788. Mobile city with a population of 190,000 pays the highest average. Florence, with a population of about 40,000, has the lowest average.

CityPopulationAverage Premium
Huntsville195,000$1,568
Mobile190,000$1,788
Decatur54,405$1,551
Florence39,852$1,507
Anniston21,770$1,595
Troy19,037$1,599
Cullman15,385$1,614
Fort Payne14,071$1,557
Jasper13,618$1,709
Eufaula12,044$1,633
Boaz9,652$1,631
Andalusia8,787$1,520
Clanton8,756$1,595

Colorado

In the state of Colorado, the average premium varies between $1,351 to $1,534. The city of Colorado Springs with the highest population of 465,000, pays the highest average premium of $1,534.

CityPopulationAverage Premium
Colorado Springs464,000$1,534
Durango184,65$1,351
Steamboat Springs129,65$1,375
Fort Morgan113,15$1,427
Glenwood Springs9,962$1,379
Cortez8,709$1,360
La Junta6,898$1,436

Kansas

Kansas has relatively smaller population than the above two states. Garden City with about 27,000 people returns the highest average premium of $904. The most populous city in the state - Lawrence - return an average value of $847.

CityPopulationAverage Premium
Lawrence96,892$847
Manhattan53,678$847
Garden City26,895$904
Pratt6,748$841
Concordia5,099$827

Kentucky

The most populous city in Kentucky is Louisville with  616,000 people living in it. The average premium in this city is the highest in the state at $4,289.

CityPopulationAverage Premium
Louisville616,000$4,289
Lexington322,000$3,029
Ashland20,669$3,463
Somerset11,423$3,840

Louisiana

In Louisiana, Chalmette returns the highest average premium of $4,103.  Monroe residents pay the lowest average premium of $2,999.

CityPopulationAverage Premium
New Orleans393,000$4,067
Baton rouge225,000$3,407
Monroe48,371$2,999
Slidell27,883$3,086
Hammond20,480$3,121
Chalmette17,119$4,103
Batchelor1,582$3,113

New Hampshire

Manchester in New Hampshire is the most expensive city, with an average premium of $1,849. Keene has the lowest average premium of $1,310.

CityPopulationAverage Premium
Manchester111,000$1,849
Keene22,949$1,310
Portsmouth21,796$1,483
Lebanon13,522$1,397
Berlin10,225$1,429

West Virginia

Clarksburg, with a premium of $866 is the city with the least expensive average for car insurance. Huntington with an average premium of $997 is the city with the most expensive rates.

CityPopulationAverage Premium
Huntington47,079$997
Parkersburg31,492$963
Morgantown30,547$870
Wheeling27,066$924
Beckley16,404$991
Clarksburg15,621$866

Find a comprehensive analysis of all the ways to you can save on your car insurance, here.

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