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Where You Live

There are a variety of things that an auto insurance company considers when adjusting your rate due to your geographic location. These include:

  • Street or garage parking available
  • Length of time for police and law enforcement response
  • Rate of car insurance claims
  • Rate of vehicle thefts
  • Local road and traffic conditions
  • Rate of car accidents
  • Quality of local medical services
  • How many lawsuits are filed, tried, and settled

In addition, your geographic location can be a major influencing factor on your car insurance rates, especially in combination with other factors taken into consideration by auto insurance providers. For example, if you live in a city, your car insurance is going to be higher than someone who lives in a more rural area. More people in the city means more cars on the road, and more cars on the road means more accidents. This, in turn, leads to more insurance claims, which costs insurance companies money. Insurance companies pass this burden onto their customers in the form of higher rates.  
 
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Top 5 states for expensive auto insurance

  1. New York
  2. Louisiana
  3. Rhode Island
  4. Maryland
  5. Washington, D.C.

Top 5 states for least expensive auto insurance

  1. Maine
  2. Iowa
  3. Vermont
  4. Idaho
  5. Wisconsin

Top 5 cities for expensive auto insurance

  1. Detroit, MI
  2. Philadelphia, PA
  3. Newark, NJ
  4. Los Angeles, CA
  5. New York City, NY

Top 5 cities for least expensive auto insurance

  1. Roanoke, VA
  2. Wapakoneta, OH
  3. Chattanooga, TN
  4. Green Bay, WI
  5. Raleigh, NC

Remember, there are other factors that affect your car insurance which you may have more control over. Maintain a good credit history, continuous car insurance coverage, and a clean driving record; make few claims, and cover multiple vehicles with one company.  You should also ask what discounts your car insurance company has to offer. There are usually a couple of discounts that you will easily qualify for that will help you offset the impact of an expensive geographic location.

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