Naturally, where you live affects costs because of external factors like weather, crimes, traffic accidents and state regulations. Have a look at the cheapest and most expensive cities to insure an automobile below. And see how much premium you need to pay in your zip code with the help of online quotes here. Wouldn’t it be nice if you can choose where you live and reduce costs. If only you could top up car’s insurance the next time you were in Arizona.
Bullhead City is the cheapest town in the U.S. to buy a vehicle policy. A 40-year-old male with a clean driving record in a 2012 Honda Accord would pay $730 a year for full coverage, a new analysis of rates in every U.S. zip code finds. We averaged them for all zip codes for each town (most have more than one) to find the most and least expensive places.
That same driver could:
- Move a couple of miles to Laughlin, Nev., just across the Colorado River, and watch his rates zoom 70 percent to $1,280 a year
- Go to New Orleans, where moving across town could make premiums rise by $872, or 33 percent.
- Try Manhattan, where within the 24 square miles of the island the same driver and car could pay as little as $1,772 or as much as $2,847.
The most expensive town to purchase vehicle insurance in the U.S. is Highland Park, where the Accord driver would pay an astounding $4,214. That’s without any accidents, DUIs, speeding tickets or bad credit. Motorists are highly advised to use online tools to compare premiums anywhere in the country in order to ensure getting the best deal. That is the easiest way to save money, regardless of age, gender, background and history.
10 Cities with the Cheapest Auto Insurance
1. Bullhead City, Ariz. $730
On the Colorado River, opposite the casino destination of Laughlin, Nev.
2. Chloride, Ariz. $731
The oldest continuously inhabited mining town in Arizona.
3. Oatman, Ariz. $731
Clark Gable and Carole Lombard honeymooned here, on old U.S. Route 66.
4. Pine Point, Maine $733
Lighthouses, lobster pounds and beaches.
5. West Scarborough, Maine $733
Woodsy area of Scarborough, split by the Nonesuch River.
6. Lake Havasu City, Ariz. $734
Reassembled London Bridge is Arizona’s second-largest tourist attraction.
7. Cumberland Foreside, Maine $735
Portland suburb. “Foreside” means it’s on the beach.
8. Amity, Maine $736
Moose country. 2011 population: 186
9. Ashland, Maine $736
Crossroads of the Maine North Woods.
10. Blaine, Maine $736
Named for then-Speaker of the House James G. Blaine.
10 Cities with the Most Expensive Car Insurance
10. Springfield Gardens, N.Y. $3,213
Just north of J.F.K. International Airport.
9. St. Albans, N.Y. $3,233
Once home to Count Basie and Lena Horne.
8. Allison, Texas $3,385
Atop a gas field known as the world’s largest producer of helium.
7. Bronx, N.Y. $3,443
Home of the Yankees and the Bronx Zoo.
6. Grosse Pointe Park, Mich. $3,504
Tony suburb just east of Detroit.
5. Detroit $3,709
Known as its height as the Paris of the West.
4. Brooklyn, N.Y. $3,819
The most populous of the five New York boroughs.
3. Fort Hamilton, N.Y. $3,947
In the shadow of the Verrazano-Narrows Bridge.
2. Hamtramck, Mich. $3,953
Along with No. 1 Highland Park, surrounded by Detroit.
1. Highland Park, Mich. $4,214
Home of the first Ford assembly line.
Anywhere else, you can quickly find out the costs by using our quote platform above. It will display the most competitive carriers in any given location. Then, you can choose the one you like and check prices directly on their official websites. Each takes about 5 – 8 minutes that in no time you can get several of them.