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10 Cities With The Most Expensive Car Insurance Rates

January 16, 2024

2 min Read

Written by Heather Taylor

Edited by Levi Leidy

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When it comes to car insurance, no two cities have the exact same rates. New data from The Zebra reveals which top 50 U.S. cities are the most expensive for car insurance — and you might be surprised to see the metros ranking in the top 10.

According to The Zebra, your ZIP code, vehicle type and driving record all determine your car insurance costs. Moving to a new city could mean you pay less for your car insurance premium or, in the case of the 10 cities mentioned on this list, much more money.

Ranked from least to most expensive, here are the 10 cities with the most expensive car insurance rates.

10. Los Angeles, California

Average annual premium: $2,688

9. Jacksonville, Florida

Average annual premium: $2,745

8. Louisville, Kentucky

Average annual premium: $2,775

7. Las Vegas, Nevada

Average annual premium: $2,856

6. Baltimore, Maryland

Average annual premium: $2,971

5. Philadelphia, Pennsylvania

Average annual premium: $3,315

4. Miami, Florida

Average annual premium: $3,938

3. New Orleans, Louisiana

Average annual premium: $4,087

2. New York City, New York

Average annual premium: $4,545

1. Detroit, Michigan

Average annual premium: $4,726

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10 Cities With The Most Expensive Car Insurance Rates

Commitment to Our Readers

10. Los Angeles, California

9. Jacksonville, Florida

8. Louisville, Kentucky

7. Las Vegas, Nevada

6. Baltimore, Maryland

5. Philadelphia, Pennsylvania

4. Miami, Florida

3. New Orleans, Louisiana

2. New York City, New York

1. Detroit, Michigan

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Commitment to Our Readers

10. Los Angeles, California

9. Jacksonville, Florida

8. Louisville, Kentucky

7. Las Vegas, Nevada

6. Baltimore, Maryland

5. Philadelphia, Pennsylvania

4. Miami, Florida

3. New Orleans, Louisiana

2. New York City, New York

1. Detroit, Michigan

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