See Car Insurance Rates by Zip Code

Name: Average Annual Premiums in the Top 50 Cities
Creator: The Zebra

Use The Zebra to see car insurance rates by zip code from GEICO, Progressive, Nationwide, Liberty Mutual and Allstate (+100 other companies)

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By Renata Balasco

Updated April 8, 2024

Car insurance rates by city

Car insurance quotes are incredibly specific. Your car insurance costs will change based on your vehicle, driving record and location — right down to your ZIP code.

If you were to move across town, your car insurance premium could get cheaper or more expensive, depending on your new ZIP code. Choose a city below to find out more.

Table of contents:

Key insights
Why location matters
Rates from the top 50 cities

Key takeaways

The NYC metro area ranks as the most expensive area for car insurance. Brooklyn tops the list — on average, full coverage costs almost $3,000 per six-month policy!
Detroit, Michigan is the second priciest major city for auto insurance, with an average cost of over $2,300.
Rates are the cheapest in Raleigh, North Carolina, with Charlotte coming in as a close second.
Overall, North Carolina and Ohio are the cheapest states for car insurance, while Florida and Louisiana are the most expensive.

Why does your city matter?

Each city is unique in the risk profiles they present. Generally, insurance companies consider cities with high population density — so places with more traffic and in some cases, crime — as riskier places to live and will charge higher rates to make up for it. The cost of living also has an effect on the costs of repair and labor, which can be higher in bigger cities.

Locations that are vulnerable to natural disasters also have pricier premiums for car insurance. Florida and Louisiana, for example, are the most expensive states for drivers due to their proximity to the coast and how often hurricanes and flooding can occur.

While insurance companies can price their customers down to their ZIP code, where a driver lives isn't the only rating factor — but it's an important one. Other factors include a driver's age, driving record, insurance history, credit and more.

Get personalized insurance rates in less than 5 minutes.

Cost of car insurance in the top 50 cities

Knowing what the average premium is in your city is a great jumping-off point before shopping for your next policy as it will give you a baseline for you to recognize when a quote is fair. Just don't forget that if you have any other factors that insurance companies consider to be risky — like recent accidents or citations, spotty insurance history or bad credit — you can expect your quotes to be higher.

City	Avg. Annual Premium
Albuquerque	$1,891
Atlanta	$2,322
Austin	$1,966
Baltimore	$2,971
Boston	$1,827
Charlotte	$1,318
Chicago	$2,171
Cleveland	$1,522
Colorado Springs	$2,392
Columbus	$1,350
Dallas	$2,340
Denver	$2,396
Detroit	$4,726
El Paso	$1,961
Fort Worth	$2,016
Fresno	$1,900
Houston	$2,365
Indianapolis	$1,398
Jacksonville	$2,745
Kansas City	$2,154
Las Vegas	$2,856
Long Beach	$2,149
Los Angeles	$2,688
Louisville	$2,775
Memphis	$1,954
Mesa	$1,920
Miami	$3,938
Milwaukee	$1,826
Minneapolis	$1,949
Nashville	$1,546
New Orleans	$4,087
New York City	$4,545
Oakland	$2,240
Oklahoma City	$2,068
Omaha	$1,805
Philadelphia	$3,315
Phoenix	$2,210
Portland	$1,858
Raleigh	$1,159
Sacramento	$2,100
San Antonio	$2,071
San Diego	$1,844
San Francisco	$2,295
San Jose	$1,923
Seattle	$2,157
Tucson	$1,832
Tulsa	$2,095
Virginia Beach	$1,606
Washington, D.C.	$2,212
Wichita	$1,835

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.