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Car Insurance Rates

Family happy for low car insurance ratesThe link between where you live and cheap car insurance rates is not something that most people will consider when shopping for car insurance from an insurer. Very few people realize vehicle insurance rates are attached to the place where you register your vehicle. This is one of reasons why your rate is determine by your zip code.

The area of the country or even the city can play an important part in your car insurance costs. There are certain criteria insurance companies employ to determine your insurance cost based on the part of the country you live.

Interesting facts – the top ten most expensive states to insure your vehicle:

District of Columbia

New Jersey


New York





Rhode Island





It is important to note that statistics are from 2009 and may have changed. The amount on the policy included at least liability minimum coverage and other state minimum cover, such as Personal Injury Protection, Uninsured Motorist Protection, and Medical Payments Cover. The statistics may or may not have included comprehensive or collision cover. Other primary reasons are the changing weather conditions. Insurance companies are not implying if there is a lot of winter storms, for example, but the how weather conditions affect the roads your drive on.

If you live in Maine, for instance, you’ll face harsh winters which lead to damaged and cracked roads and damp conditions. Compare that to a driver who resides in the State of Arizona? In the southwest, vehicles need to deal with heat, dry conditions, and sometimes sand. If you take a look at the rates if your zip code is in the Nags Head, North Carolina, then you will find out the rates are much higher then if the driver resided in an area of the state fifty miles from the coast. This is one of the reasons why some may reside inland of the state and have a cottage in the Outerbanks. They would pay substantially less in auto insurance.

Here are the top ten most expensive cities to insure your vehicle today in the United States:

  1. Detroit, Michigan

  1. Philadelphia, Pennsylvania

  1. New Orleans, Louisiana

  1. Miami, Florida

  1. Newark, New Jersey

  1. Novi, Michigan

  1. Baltimore, Maryland

  1. Hartford, Connecticut

  1. Muskegon, Michigan

  1. Los Angeles, California

Credits for statistics go to

Car insurance companies adjust their rates accordingly based on the kind ofFamily buying a mini-van then car insurance rates damage they can expect your automobile to take in any given area. Auto insurance rates can change significantly in a nice climate in contrast to one with more risks. There are some factors where you are able to mitigate or lower your monthly premium. On the other hand, there are factors which you cannot control, such as your age, past driving history, or whether you are male or female. You want to be sure you compare different insurers as the determining factors are weighed differently from company to company. For example, if your credit score is low, but you have a good driving record an insurance company may weight the credit score more than your driving record. Another company may weight your driving record more than your credit score. This is why it is paramount to compare and never assume each insurer will give you the same rate.

Another item which influences your car insurance rates is the level of crime in the are you reside. Areas with low crime rates will have lower auto insurance rates compared to areas with high rates of crime. The premise behind this is the insurance company is forecasting how much damage will happen to your car and allots a percentage based on the chance the insurance company is going to take.

If your car is in a safe area then the car insurance company will be more comfortable with lowering your premiums since there is a lower possibility that your car will be stolen or broken into. On the other hand, if your car is located in an area with high crime your premium will go up to provide compensation for the probability that your car will be stolen or damage in an area of high crime.

If you use similar logic, a nice luxury vehicle will have higher auto insurance rates in a high crime area since such cars are more enticing and a larger target for potential car jackers. An easy way to mitigate away higher rates is to let your agent know you park your vehicle in secure parking when at work and in the garage when at home and never on the street.

Location and automobile insurance rates are more interlinked than people realize. If you would like to make sure that you are getting a good deal you may want to do your research of the area you live before purchasing a new vehicle.

The best thing to do is to look into what kind of crime is in the area your reside. Also, if the area you live has harsh winters then you may have to pay a higher premium to fully protect your vehicle.

Many dispute the fact that insurance companies use the location of the country to determine auto insurance rates. However, you have the choice to live where you would like and insurance companies have to make absolutely certain they are able to protect drivers. It is important to remember that each insurance company has their own way to determine risk; therefore it is wise to get as quotes from different insurers to be sure you have the lowest possible rate.

You are able to use our advance comparison tool at the top of the page by putting zip codes of high crime areas and then compare them to low crime areas throughout the nation. Then look at the results. Do the same with areas of the country that have harsh weather conditions too and check the results.

More interesting facts about location and the cost to insure a vehicle. The top ten least costly cities to get insurance:

1. Roanoke, Virginia

2. Raleigh, North Carolina

3. Wapakoneta, Ohio

4. Green Bay, Wisconsin

5. Charlotte, North Carolina

6. Portland, Maine

7. Fairfield, Ohio

8. Burlington, Vermont

9. Chattanooga, Tennessee

10. Richmond, Virginia

And the top ten least costly states to insure your vehicle:

1. North Dakota

2. South Dakota

3. Iowa

4. Idaho

5. Nebraska

6. Kansas

7. Wisconsin

8. Maine

9. North Carolina

10. Ohio

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