Insurance

Car Insurance Cost by City

Average annual car insurance premium. Compare costs across 300 US cities.

National Average
$1,200 – $3,000
$/yr
Cities
300+
Cheapest
Bloomington
Most Expensive
San Jose
Spread
$1K – $4K
RankingsAll CitiesFAQRelated Topics

Car Insurance cost by city is one of the most-searched cost topics in the US, and for good reason — prices swing wildly depending on your zip code. Average annual car insurance premium. The data below compares pricing across 300+ American cities using BLS and Census Bureau figures. Whether you're in Bloomington (our most affordable market) or San Jose (the priciest), you'll find detailed numbers to help you budget accurately.

Why Car Insurance Costs Vary by City

1

Local risk factors — crime rates, weather events, traffic density

2

State insurance regulations and mandatory coverage requirements

3

Market competition among insurance carriers in each state

4

State insurance regulations and minimum coverage requirements

5

Tort reform differences that affect claims costs and litigation frequency

Cheapest and Most Expensive Cities for Car Insurance

🟢 Most Affordable

1Bloomington, IN
$1K-37%
2Pocatello, ID
$2K-28%
3Topeka, KS
$2K-28%
4Lubbock, TX
$2K-28%
5Fayetteville, AR
$2K-27%

🔴 Most Expensive

1San Jose, CA
$4K+79%
2San Francisco, CA
$4K+78%
3Vail, CO
$4K+69%
4Sunnyvale, CA
$3K+63%
5Napa, CA
$3K+59%

Compare Car Insurance Prices Across 300 Cities

#CityStateLowAverageHighvs National
1BloomingtonIN$761$1,332$1,903-37%
2PocatelloID$858$1,502$2,145-28%
3TopekaKS$860$1,505$2,150-28%
4LubbockTX$869$1,521$2,173-28%
5FayettevilleAR$875$1,531$2,187-27%
6TulsaOK$877$1,535$2,193-27%
7DuluthMN$889$1,556$2,222-26%
8EvansvilleIN$898$1,572$2,246-25%
9ColumbusOH$906$1,586$2,266-24%
10BillingsMT$908$1,589$2,270-24%
11St. LouisMO$910$1,592$2,274-24%
12SpringfieldMO$925$1,619$2,312-23%
13Baton RougeLA$929$1,627$2,324-23%
14FresnoCA$932$1,631$2,330-22%
15RenoNV$932$1,631$2,330-22%
16BeaumontTX$938$1,642$2,345-22%
17Des MoinesIA$944$1,652$2,360-21%
18KalamazooMI$950$1,663$2,376-21%
19Terre HauteIN$952$1,666$2,380-21%
20LakelandFL$953$1,667$2,381-21%
21AbileneTX$953$1,667$2,381-21%
22FargoND$953$1,668$2,382-21%
23MidlandTX$958$1,677$2,395-20%
24AllentownPA$960$1,680$2,399-20%
25ReadingPA$967$1,692$2,417-19%
26Fort WorthTX$967$1,693$2,419-19%
27IndianapolisIN$968$1,694$2,420-19%
28SpringfieldIL$970$1,698$2,425-19%
29Jefferson CityMO$973$1,703$2,432-19%
30OmahaNE$974$1,704$2,434-19%
31ClarksvilleTN$974$1,705$2,435-19%
32MontgomeryAL$983$1,720$2,457-18%
33OrlandoFL$984$1,723$2,461-18%
34MadisonWI$985$1,724$2,463-18%
35WichitaKS$985$1,724$2,462-18%
36RockfordIL$985$1,724$2,462-18%
37PensacolaFL$988$1,729$2,470-18%
38FrankfortKY$989$1,731$2,472-18%
39CasperWY$993$1,738$2,483-17%
40ShreveportLA$1,000$1,750$2,500-17%
41ChicoCA$1,001$1,751$2,501-17%
42St. JosephMO$1,007$1,762$2,517-16%
43Colorado SpringsCO$1,010$1,768$2,525-16%
44Rapid CitySD$1,012$1,771$2,530-16%
45North Las VegasNV$1,015$1,776$2,537-15%
46MurfreesboroTN$1,015$1,776$2,537-15%
47MilwaukeeWI$1,019$1,784$2,549-15%
48McAllenTX$1,020$1,785$2,549-15%
49MemphisTN$1,022$1,789$2,555-15%
50LansingMI$1,025$1,793$2,561-15%
51BrownsvilleTX$1,026$1,796$2,565-14%
52VisaliaCA$1,027$1,798$2,568-14%
53LafayetteLA$1,031$1,804$2,577-14%
54PittsburghPA$1,034$1,810$2,586-14%
55Fort LauderdaleFL$1,042$1,823$2,604-13%
56KennewickWA$1,045$1,829$2,612-13%
57Coeur d'AleneID$1,046$1,830$2,614-13%
58Eau ClaireWI$1,047$1,833$2,618-13%
59LaredoTX$1,051$1,839$2,627-12%
60CorvallisOR$1,051$1,839$2,627-12%
61SchenectadyNY$1,055$1,846$2,637-12%
62AppletonWI$1,057$1,850$2,642-12%
63SpokaneWA$1,058$1,852$2,646-12%
64ArlingtonTX$1,061$1,857$2,652-12%
65La CrosseWI$1,061$1,858$2,654-12%
66Rancho CucamongaCA$1,065$1,864$2,663-11%
67RaleighNC$1,067$1,867$2,666-11%
68OntarioCA$1,067$1,867$2,667-11%
69South BendIN$1,069$1,871$2,673-11%
70MinneapolisMN$1,070$1,873$2,676-11%
71CheyenneWY$1,074$1,880$2,686-10%
72TempeAZ$1,075$1,882$2,688-10%
73San JuanPR$1,083$1,895$2,707-10%
74ChicagoIL$1,083$1,896$2,708-10%
75AlbuquerqueNM$1,084$1,898$2,711-10%
76TucsonAZ$1,087$1,902$2,717-9%
77KenoshaWI$1,088$1,905$2,721-9%
78ChampaignIL$1,089$1,906$2,723-9%
79OshkoshWI$1,090$1,907$2,724-9%
80St. PaulMN$1,091$1,909$2,726-9%
81Sugar LandTX$1,091$1,910$2,728-9%
82AnchorageAK$1,092$1,911$2,730-9%
83CharlestonSC$1,092$1,911$2,730-9%
84Oklahoma CityOK$1,093$1,913$2,732-9%
85PatersonNJ$1,093$1,914$2,734-9%
86Pompano BeachFL$1,095$1,917$2,738-9%
87NapervilleIL$1,098$1,921$2,744-9%
88SavannahGA$1,103$1,931$2,758-8%
89LexingtonKY$1,107$1,938$2,768-8%
90Newport NewsVA$1,108$1,939$2,769-8%
91Kansas CityMO$1,109$1,941$2,773-8%
92WacoTX$1,110$1,943$2,776-7%
93FlintMI$1,110$1,943$2,775-7%
94AkronOH$1,111$1,944$2,777-7%
95HattiesburgMS$1,112$1,946$2,779-7%
96ChattanoogaTN$1,114$1,949$2,784-7%
97MaconGA$1,114$1,950$2,785-7%
98ColumbiaMO$1,115$1,951$2,787-7%
99BellinghamWA$1,115$1,951$2,787-7%
100BakersfieldCA$1,119$1,959$2,798-7%
101Palm BayFL$1,120$1,960$2,799-7%
102HuntsvilleAL$1,123$1,965$2,807-6%
103PierreSD$1,123$1,965$2,807-6%
104TylerTX$1,123$1,965$2,807-6%
105GreeleyCO$1,127$1,972$2,817-6%
106CincinnatiOH$1,132$1,981$2,829-6%
107IndependenceMO$1,133$1,983$2,833-6%
108RogersAR$1,134$1,985$2,836-5%
109HendersonNV$1,135$1,987$2,838-5%
110DentonTX$1,136$1,988$2,839-5%
111El PasoTX$1,137$1,990$2,843-5%
112BoiseID$1,140$1,995$2,849-5%
113AustinTX$1,142$1,999$2,855-5%
114HelenaMT$1,150$2,012$2,874-4%
115JolietIL$1,151$2,014$2,877-4%
116Idaho FallsID$1,152$2,017$2,881-4%
117PeoriaAZ$1,153$2,018$2,882-4%
118Grand RapidsMI$1,157$2,025$2,893-4%
119Winston-SalemNC$1,161$2,032$2,903-3%
120MissoulaMT$1,164$2,037$2,910-3%
121CranstonRI$1,173$2,053$2,933-2%
122ConwayAR$1,175$2,056$2,937-2%
123DavenportIA$1,177$2,060$2,942-2%
124NampaID$1,178$2,062$2,945-2%
125Round RockTX$1,180$2,065$2,950-2%
126RiversideCA$1,183$2,070$2,957-1%
127PlanoTX$1,184$2,072$2,959-1%
128ClearwaterFL$1,185$2,074$2,962-1%
129CharlestonWV$1,186$2,076$2,966-1%
130ScrantonPA$1,191$2,084$2,977-1%
131Saratoga SpringsNY$1,191$2,085$2,978-1%
132FontanaCA$1,193$2,088$2,982-1%
133AlbanyNY$1,195$2,091$2,9870%
134MesaAZ$1,196$2,093$2,9900%
135DecaturIL$1,197$2,095$2,9920%
136DoverDE$1,200$2,100$2,9990%
137BethlehemPA$1,202$2,104$3,0050%
138OlympiaWA$1,203$2,105$3,0070%
139Great FallsMT$1,204$2,107$3,0100%
140SpringfieldMA$1,204$2,107$3,0100%
141YakimaWA$1,206$2,110$3,0140%
142ModestoCA$1,208$2,114$3,020+1%
143Sioux FallsSD$1,208$2,115$3,021+1%
144BloomingtonIL$1,209$2,116$3,022+1%
145SacramentoCA$1,211$2,120$3,029+1%
146FriscoTX$1,214$2,124$3,034+1%
147DaytonOH$1,216$2,128$3,039+1%
148HartfordCT$1,216$2,128$3,040+1%
149Green BayWI$1,217$2,130$3,043+1%
150MontpelierVT$1,224$2,142$3,060+2%
151HoustonTX$1,225$2,144$3,062+2%
152GlendaleAZ$1,225$2,144$3,062+2%
153LincolnNE$1,226$2,145$3,064+2%
154BuffaloNY$1,227$2,147$3,067+2%
155NewarkNJ$1,228$2,149$3,070+2%
156WarwickRI$1,228$2,149$3,070+2%
157Ann ArborMI$1,229$2,151$3,073+2%
158JacksonWY$1,235$2,162$3,089+3%
159ChesapeakeVA$1,238$2,166$3,094+3%
160BirminghamAL$1,240$2,171$3,101+3%
161Salt Lake CityUT$1,241$2,172$3,103+3%
162LaramieWY$1,243$2,175$3,106+4%
163TampaFL$1,244$2,178$3,111+4%
164GreensboroNC$1,245$2,179$3,112+4%
165EriePA$1,249$2,186$3,123+4%
166CharlotteNC$1,252$2,191$3,130+4%
167ClevelandOH$1,256$2,198$3,140+5%
168JacksonvilleFL$1,266$2,216$3,165+6%
169OdessaTX$1,266$2,216$3,166+6%
170RichmondVA$1,269$2,221$3,172+6%
171JanesvilleWI$1,271$2,225$3,179+6%
172RacineWI$1,277$2,235$3,193+6%
173New BedfordMA$1,277$2,235$3,192+6%
174BurlingtonVT$1,280$2,240$3,199+7%
175IthacaNY$1,286$2,251$3,216+7%
176ReddingCA$1,289$2,257$3,224+7%
177McKinneyTX$1,292$2,261$3,229+8%
178Daytona BeachFL$1,294$2,265$3,236+8%
179Traverse CityMI$1,294$2,265$3,235+8%
180DenverCO$1,301$2,276$3,251+8%
181WorcesterMA$1,302$2,279$3,256+9%
182StocktonCA$1,303$2,280$3,257+9%
183College StationTX$1,308$2,290$3,271+9%
184AmarilloTX$1,312$2,296$3,280+9%
185SyracuseNY$1,312$2,296$3,279+9%
186Corpus ChristiTX$1,314$2,300$3,285+10%
187BaltimoreMD$1,316$2,303$3,290+10%
188Carson CityNV$1,316$2,303$3,290+10%
189Las VegasNV$1,317$2,305$3,292+10%
190Simi ValleyCA$1,318$2,307$3,295+10%
191Cape CoralFL$1,319$2,308$3,297+10%
192PhoenixAZ$1,320$2,311$3,301+10%
193AtlantaGA$1,326$2,320$3,314+10%
194VallejoCA$1,327$2,323$3,318+11%
195GilbertAZ$1,333$2,333$3,333+11%
196ProvoUT$1,334$2,334$3,334+11%
197Elk GroveCA$1,335$2,337$3,338+11%
198New OrleansLA$1,340$2,345$3,350+12%
199TallahasseeFL$1,343$2,351$3,359+12%
200VictorvilleCA$1,345$2,354$3,363+12%
201RoswellGA$1,346$2,356$3,366+12%
202Los AngelesCA$1,347$2,357$3,367+12%
203ColumbiaSC$1,350$2,363$3,375+13%
204PuebloCO$1,352$2,366$3,380+13%
205Long BeachCA$1,352$2,367$3,381+13%
206PortlandME$1,353$2,368$3,383+13%
207BendOR$1,355$2,372$3,388+13%
208FlagstaffAZ$1,362$2,384$3,405+14%
209Cedar RapidsIA$1,364$2,387$3,410+14%
210ConcordNH$1,364$2,388$3,411+14%
211RochesterNY$1,365$2,389$3,413+14%
212AuroraCO$1,367$2,392$3,416+14%
213Twin FallsID$1,370$2,398$3,425+14%
214MobileAL$1,373$2,403$3,432+14%
215TrentonNJ$1,373$2,404$3,434+14%
216KnoxvilleTN$1,375$2,406$3,437+15%
217NorfolkVA$1,376$2,409$3,441+15%
218LakewoodNJ$1,377$2,410$3,443+15%
219Warner RobinsGA$1,378$2,412$3,446+15%
220BiloxiMS$1,378$2,412$3,446+15%
221LouisvilleKY$1,380$2,415$3,450+15%
222GainesvilleFL$1,381$2,417$3,452+15%
223JacksonMS$1,382$2,419$3,455+15%
224MeridianID$1,385$2,424$3,462+15%
225NashvilleTN$1,395$2,441$3,487+16%
226Little RockAR$1,397$2,444$3,491+16%
227Moreno ValleyCA$1,397$2,445$3,493+16%
228BismarckND$1,398$2,447$3,496+17%
229AugustaME$1,402$2,454$3,505+17%
230WilmingtonDE$1,414$2,475$3,535+18%
231ColumbiaMD$1,416$2,478$3,539+18%
232PortlandOR$1,416$2,479$3,541+18%
233MedfordOR$1,417$2,480$3,543+18%
234HarrisburgPA$1,419$2,484$3,548+18%
235ScottsdaleAZ$1,421$2,487$3,553+18%
236Sandy SpringsGA$1,422$2,489$3,556+19%
237Santa FeNM$1,424$2,492$3,560+19%
238TacomaWA$1,435$2,511$3,587+20%
239IrvineCA$1,436$2,513$3,589+20%
240Bowling GreenKY$1,443$2,525$3,607+20%
241LowellMA$1,444$2,527$3,609+20%
242ChandlerAZ$1,446$2,530$3,614+20%
243ElizabethNJ$1,447$2,532$3,617+21%
244Jersey CityNJ$1,448$2,534$3,620+21%
245ProvidenceRI$1,453$2,543$3,632+21%
246PhiladelphiaPA$1,455$2,546$3,637+21%
247Fort CollinsCO$1,461$2,557$3,652+22%
248AshevilleNC$1,463$2,561$3,659+22%
249EugeneOR$1,469$2,571$3,672+22%
250OceansideCA$1,469$2,571$3,673+22%
251NaplesFL$1,483$2,595$3,707+24%
252North CharlestonSC$1,485$2,599$3,712+24%
253DurangoCO$1,486$2,600$3,714+24%
254BostonMA$1,487$2,603$3,719+24%
255SarasotaFL$1,488$2,604$3,719+24%
256Santa CruzCA$1,495$2,617$3,738+25%
257PortsmouthNH$1,496$2,619$3,741+25%
258BridgeportCT$1,500$2,625$3,750+25%
259San AntonioTX$1,519$2,659$3,798+27%
260Santa RosaCA$1,521$2,662$3,802+27%
261CaryNC$1,525$2,669$3,813+27%
262DallasTX$1,532$2,681$3,830+28%
263BoulderCO$1,536$2,688$3,839+28%
264RosevilleCA$1,537$2,690$3,842+28%
265OaklandCA$1,541$2,696$3,851+28%
266DurhamNC$1,541$2,698$3,854+28%
267MiamiFL$1,549$2,711$3,873+29%
268ConcordCA$1,559$2,729$3,898+30%
269HaywardCA$1,576$2,758$3,940+31%
270Santa AnaCA$1,577$2,759$3,941+31%
271YonkersNY$1,577$2,761$3,944+31%
272Virginia BeachVA$1,586$2,775$3,964+32%
273New HavenCT$1,588$2,780$3,971+32%
274Huntington BeachCA$1,610$2,817$4,024+34%
275AnaheimCA$1,614$2,825$4,035+35%
276JuneauAK$1,629$2,851$4,073+36%
277ManchesterNH$1,630$2,852$4,074+36%
278SedonaAZ$1,637$2,865$4,093+36%
279San DiegoCA$1,656$2,898$4,140+38%
280OxnardCA$1,660$2,906$4,151+38%
281Palm SpringsCA$1,663$2,910$4,157+39%
282San Luis ObispoCA$1,672$2,927$4,181+39%
283New YorkNY$1,685$2,950$4,214+40%
284SeattleWA$1,688$2,954$4,220+41%
285CambridgeMA$1,693$2,963$4,232+41%
286StamfordCT$1,695$2,967$4,238+41%
287HonoluluHI$1,698$2,972$4,246+42%
288Santa BarbaraCA$1,705$2,984$4,262+42%
289BellevueWA$1,731$3,029$4,327+44%
290TellurideCO$1,732$3,031$4,330+44%
291AspenCO$1,754$3,069$4,384+46%
292WashingtonDC$1,766$3,091$4,415+47%
293Key WestFL$1,809$3,166$4,522+51%
294Park CityUT$1,850$3,238$4,626+54%
295Martha's VineyardMA$1,873$3,278$4,682+56%
296NapaCA$1,910$3,342$4,774+59%
297SunnyvaleCA$1,955$3,422$4,889+63%
298VailCO$2,029$3,551$5,073+69%
299San FranciscoCA$2,138$3,742$5,346+78%
300San JoseCA$2,143$3,750$5,357+79%

Frequently Asked Questions

How much does car insurance cost on average?

The national average for car insurance ranges from $1,200 to $3,000. However, actual costs vary significantly by city — Bloomington is the most affordable at $1,332, while San Jose is the most expensive at $3,750. That's a spread of $2,418 between the cheapest and most expensive cities.

Where is car insurance cheapest in the US?

The top 5 most affordable cities for car insurance are: 1. Bloomington, IN ($1,332); 2. Pocatello, ID ($1,502); 3. Topeka, KS ($1,505); 4. Lubbock, TX ($1,521); 5. Fayetteville, AR ($1,531). These cities benefit from lower labor costs, less regulatory overhead, and more competitive local markets.

Why does car insurance cost more in some cities?

Several factors drive cost differences: local labor rates (often tied to housing costs), state and city regulations, material transportation costs, competitive density of service providers, and regional demand patterns. High cost-of-living cities like San Jose (index: 214) have higher baseline expenses that push up service costs across the board.

About This Data

Data SourcesBLS Consumer Expenditure Survey, Census Bureau ACS, HUD Fair Market Rent data, and regional industry surveys.
MethodologyNational averages adjusted by city-specific cost-of-living indices derived from BLS regional price parities.
Confidence LevelMEDIUM-HIGH— State filing data

Limitations: These are estimated ranges based on federal datasets and cost indices, not direct local surveys. Actual costs may vary based on project scope, provider, timing, and local market conditions. Data last updated: March 2026.

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