If you live in one of these metropolitan areas, you're paying for it with high car insurance costs
When determining the cost of car insurance, insurance companies take into account a number of factors, including the risk of the location that the insured driver lives in. Because of this, rates can differ greatly by region or even by cities in a particular region. These 10 most expensive cities for car insurance purposes rank high for most, if not all, the risk factors insurance companies use to set premium levels.
Each year, a variety of organizations calculate and report on the cost of car insurance coverage in the country. From associations like the National Association of Insurance Commissioners (NAIC) to the Insurance Research
Council (IRC) to consumer groups such as Consumer Reports and J.D. Power & Associates, a snapshot of expensive cities can be taken.
A primary cause for the high rates in these cities is the number of claims filed in the area. Insurance companies place a territorial rating on each zip code based on the risks of driving within that area. These risks can include anything from accidents to vandalism or theft, with the more claims filed with the company from that zip code raising the base cost of the premium.
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Taking a driver profile of a 40-year old single male driving a fairly new, mid-priced car with a good safety record and solid retention values, coverages reasonably above the state minimum levels for liability and adding collision and comprehensive with $500 deductibles, the most expensive cities to insure that driver are:
- Highland Park, MI - $4,214/year
- Hamtramck, MI - $3,953/year
- Fort Hamilton, NY - $3,947/year
- Brooklyn, NY - $3,819/year
- Detroit, MI - $3,709/year
- Grosse Pointe Park, MI - $3,504
- Bronx, NY - $3,443/year
- Allison, TX - $3,385/year
- St. Albans, NY - $3,233/year
- Springfield Gardens, NY - $3,213/year
The ultimate price for the insurance will then depend on your driving record, age and car type. Not all states allow car insurance companies to set rates using cities as the primary determinate for insurance rates.
These prices are base prices due to the territory alone without consideration of driving record or credit rating. 
Since the car insurance rate for a particular city or metropolitan area is dependent on the claims made to the company, you can shop around with various insurance agents to find an insurer with a lower base, lowering your premium significantly in the process. Reply! can connect you to insurance professionals in your area who will help you find the best possible insurance coverage for your unique driving needs and even if you live in one of these expensive cities for car insiurance, find you the best deal available.