10 U.S. Cities Where Car Insurance Is Most Costly in 2019

Photo by guteksk7 / Shutterstock.com

What’s the most expensive U.S. city for car insurance? If you guessed New York City, you’d be wrong.

It’s Detroit that comes in at the top. Residents of Motor City pay an average of $5,464 each year in car insurance premiums, according to the 2019 State of Auto Insurance report from insurance search engine The Zebra. NYC comes in at No. 5, though.

At the other end of the spectrum, Winston-Salem, North Carolina, has the lowest average annual premium — a mere $846.

The Zebra’s data is based on rates from 2011 to 2018, a spokesperson tells Money Talks News. At times, those figures are scary — in some places, auto insurance rates went up as much as 78% during that time frame.

The 10 most expensive cities for insuring a vehicle are:

  1. Detroit — $5,464 average annual premium
  2. New Orleans — $3,686
  3. Hialeah, Florida — $2,997
  4. Miami — $2,913
  5. New York City — $2,814
  6. Tampa, Florida — $2,786
  7. Baton Rouge, Louisiana — $2,766
  8. Las Vegas — $2,609
  9. Philadelphia — $2,520
  10. Los Angeles — $2,510

As a whole, Motown’s home state of Michigan also has the highest average annual premium of all 50 states, The Zebra found.

Factoring into the state’s high rates are its laws on personal injury protection (PIP) coverage, which pays medical expenses if the insured or the insured’s passengers are injured in an accident.

As we reported in “These 5 States Have the Most Outrageous Car Insurance Rates,” Michigan state law requires all drivers to carry PIP coverage, guaranteeing unlimited medical benefits to car accident victims. This has the effect of driving up insurance rates.

Michigan also has the fourth-highest rate of uninsured motorists in the country, according to the Insurance Information Institute. About 20% of drivers forgo buying insurance there, which can contribute to higher costs for insured drivers.

The good news is that no matter where you live, you can take steps to lower your auto insurance costs.

Perhaps the single best way to do that is to simply shop around. You can contact multiple insurers for quotes or let a tool like The Zebra do this work for you.

Money Talks News founder Stacy Johnson lays out more pointers for you in “The Complete Guide to Getting the Best Possible Deal on Car Insurance.” It should be required reading for all drivers. Even those who live in cheaper-to-insure cities will likely discover tips on saving money.

What’s your take on the most expensive cities for auto insurance? And how have you cut your insurance costs? Share with us by commenting below or over on our Facebook page.

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
8 Products That Solve Everyday Annoyances
8 Products That Solve Everyday Annoyances

These items put an end to the daily irritations that bug you the most.

My Favorite Amazon Purchases From 22 Years of Shopping There
My Favorite Amazon Purchases From 22 Years of Shopping There

Yes, I’ve been shopping on Amazon since the 1990s. These are among my most beloved buys.

12 Tech Gadgets That Make Daily Life Easier
12 Tech Gadgets That Make Daily Life Easier

These products on Amazon will ease worries and simplify your routine.

5 Ways Retirees Can Lower Their Income Taxes
5 Ways Retirees Can Lower Their Income Taxes

Here’s how to keep Uncle Sam’s mitts away from your nest egg.

14 Products That Keep Foods Fresh Longer
14 Products That Keep Foods Fresh Longer

We’ve rounded up innovative Amazon purchases to lengthen the life of your favorite foods and beverages.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
Social Security Checks Likely to Grow This Much in 2021
Social Security Checks Likely to Grow This Much in 2021

The federal government recently released a key statistic that gives clear insight into what next year’s COLA will be.

This Gas Station Scam Is Victimizing More Drivers
This Gas Station Scam Is Victimizing More Drivers

For the second straight year, a growing number of Americans believe they’ve fallen prey to this scam.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on both everyday and occasional purchases.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

This Is the Most Popular Age for Claiming Social Security
This Is the Most Popular Age for Claiming Social Security

Both men and women are most likely to start receiving Social Security benefits at this age.

7 Unusual Ways to Declutter Your Home
7 Unusual Ways to Declutter Your Home

Tired of possessions weighing you down? Here are seven ways to declutter painlessly and effectively.

6 Things You Should Never Buy at Trader Joe’s
6 Things You Should Never Buy at Trader Joe’s

We love Trader Joe’s for plenty of reasons. But think twice about this handful of products.

Don’t Toss These 7 Household Items — Sell Them
Don’t Toss These 7 Household Items — Sell Them

Here’s how to earn cash as you give new life to these unwanted items.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

6 Legal Documents Retirees Need — but Don’t Have
6 Legal Documents Retirees Need — but Don’t Have

Few retirees have these documents that are crucial to their golden years — especially during a pandemic.

5 Awesome Places You Can Retire Overseas on $2,000 a Month or Less
5 Awesome Places You Can Retire Overseas on $2,000 a Month or Less

In this week’s podcast: tips on retiring overseas — from someone who’s been helping American expats for decades.

10 Deep Discounts Available on Amazon This Friday
10 Deep Discounts Available on Amazon This Friday

These items are all steeply discounted — but the deals won’t last long.

Eat This Food If You Want to Avoid Alzheimer’s Disease
Eat This Food If You Want to Avoid Alzheimer’s Disease

One type of food associated with the Mediterranean diet offers especially large benefits.

11 Expenses That Quietly Drain Your Wallet
11 Expenses That Quietly Drain Your Wallet

It’s scandalously easy to overspend in these areas of your life.

Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?
Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?

You could save more than $30,000 by setting aside these costly expenses for just one year.

18 Amazon Purchases That We Are Loving Right Now
18 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

9 Dumb Ways You Are Ruining Your Home Value
9 Dumb Ways You Are Ruining Your Home Value

Homeowners, beware these mistakes that can drive away potential buyers.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.