This city still has the highest car insurance rates in the country (2024)

FAQs

What city in the US has the highest car insurance? ›

Roosevelt, New York. Roosevelt is situated on Long Island's South Shore in Nassau County, New York. It ranks first on our list of cities with the most expensive car insurance in the US. Drivers in Roosevelt pay an average of $3,549 annually for full coverage.

The No-Fault Car Insurance System

Because Michigan is a no-fault state, drivers must have personal injury protection (PIP) coverage, which covers financial losses regardless of who is at fault in an accident. This additional required coverage is one of the main reasons insurance premiums in the state are so high.

“A lot goes into Florida,” Martin said. “Florida drivers are aware extreme weather really plays a strong part in your auto and home insurance rates.” In addition to severe weather, accidents are more severe, there are more litigated claims, and increased costs of parts and labor are all factors, according to Martin.

Texas car insurance — average prices. Expect to pay more for auto insurance once you relocate. The typical annual auto insurance rate in Texas is $669 more expensive than the cost in Georgia. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.

State Farm is the largest auto insurance company in the U.S., with 18% of the market. Other big car insurance companies include Progressive, Geico and Allstate. Currently insured? It's free, simple and secure.

If you've tried to insure your car while living in Brooklyn, you've probably discovered this for yourself. Car insurance in Brooklyn is much higher than anywhere else in the country â€" the average car insurance rates nationwide range from $700 to $1,000 yearly, depending on your age group.

Texas auto insurance — average rates. Expect to pay more for car insurance in your new home. The typical annual car insurance rate in Texas is $768 more expensive than the average expense in Arizona. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.

How to lower car insurance in Michigan? ›

Nationally, car insurance rates for minimum coverage average $64 per month. Michigan has the highest rates in the country for auto insurance, with drivers paying an average of $154 a month for minimum coverage. South Dakota has the cheapest auto insurance — drivers pay just $29 a month on average for minimum coverage.

If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.

Why did Geico raise my rates? Geico may have raised your rates because of changes to your policy or circ*mstances. Examples include adding a new type of coverage, becoming eligible for an additional type of discount, being involved in an accident, or buying a new car.

Your particular driver profile, which includes factors like where you live, your age and your driving record, influences what you pay for car insurance. But rising car repair costs and an increase in disaster-related claims are significant reasons why car insurance rates are surging for many drivers.

U.S. cities with the highest car theft rate in 2023

Pueblo, Colorado, is the city with the most car thefts, with an auto theft rate of 1,086.44 thefts per 100,000 residents. Car theft is a problem in Colorado, which topped the list of states with the most car thefts as well.

Although this isn't always the case, it's often the case that crime rates are higher in cities than in suburbs. And that means your vehicle may be more likely to get stolen. That's something auto insurance companies know to account for. And so you may find that due to that added risk, your premium costs go up.