5 Cities in the United States with the Most Expensive Auto Insurance Rates in 2022
Would you like to know the cities in the United States that have the most expensive auto insurance rates in 2022?
Why does auto insurance cost more in some states than others? In this article, we will show you a rundown of the least expensive states where you can purchase your auto insurance policy at the most affordable prices.
How did we gather these data you may ask? Information here is gathered from the state insurance department.
Below are the states with the most expensive auto insurance rates in descending order:
1. Detroit, Michigan
Detroit also known as Motor City is the most populous city in the U.S. state of Michigan. With an average auto insurance premium of $5,182, Detroit has risen to be the city with the most expensive auto insurance rates in the United States.
As of the time of filing this report, Motor Town’s auto insurance premium is 284.1% more expensive than the average premium in America. The observed premium range is $1,168 to $20846.
Which insurance company in Detroit is the cheapest? The insurance provider in Detroit with the cheapest auto insurance rate is GEICO. Here’s an article that explained how GEICO insurance started.
You enjoy a lower premium, here’s an article that will teach you how to access GEICO insurance discount. Just like every other state, you can still get a lower rate if you have a good driving record and great credit score.
2. New York, New York
New York City which is also known as the “Big Apple” or “the City that Never Sleeps” is the city in the United States with the highest number of celebrities. Little wonder most of the celebrities who insured their body parts for millions of dollars live in that city.
The average premium for the New York City auto insurance policy is $3,914. The lowest car insurance rate in New York City is between $1,378 to $10,464.
Drivers in New York City pay 19.5% more than the average annual insurance premiums anywhere else in the U.S. state of New York.
Which insurance company in New York City offers the cheapest auto insurance rates? The answer is GEICO. To further access more discounts, you can refer a friend.
The popularity of GEICO as the go-to insurance provider in most U.S. states is not unconnected to their viral commercial ads.
3. New Orleans, Louisiana
New Orleans which is also known as Crescent City is the most populous city in Louisiana. With an average insurance premium of $3,166 and a range of $1,523 to $5,178, New Orleans auto insurance rates stand 11.2% higher than the state average and double the national average.
Which insurance provider in New Orleans has the least expensive auto insurance rates? The answer is Southern Farm Bureau. After the Southern Farm Bureau, the second cheapest car insurance company in New Orleans is USAA.
You can take advantage of any of these types of auto insurance discounts offered by USAA.
4. Hialeah, Florida
Hialeah tops the list of all cities in the US state of Florida with the highest auto insurance rate. The average premium in Hialeah is $2,635 and that ranges from $1,151 to $4,058.
The average auto insurance premium in Hialeah is almost twice the national average. The insurer that offers the most affordable car insurance quote in Hialeah is GEICO
If you drive any of these expensive cars that cost more to insure, then be ready to pay a higher premium.
5. Miami, Florida
Miami a.k.a The Magic City is one of the most populous cities in Florida and one of the finest in the world. With an average insurance premium of $2,427, Miami has made the list as one of the cities in the United States that has the most expensive auto insurance rates in 2021.
Like every other city in the U.S. state of Florida, it’s an offense to drive without auto insurance coverage. The penalty for driving without car insurance coverage can range from $150 fine to $250 with additional sanctions. Check out the Florida vehicle insurance laws so that you can be properly guided.
What is the cheapest car insurance provider in Beach City, Miami? USAA is the cheapest auto insurance company for the military and GEICO for non-military citizens.