While Detroit may be America’s chief automotive manufacturing center, it’s less friendly to drivers than you might initially assume. Detroit, otherwise known as “Motor City”, and its surrounding metropolitan area are home to the most expensive car insurance rates in the nation, and drivers in this area find themselves having to pay, on average, 165% more than the national average.

The data used in building this chart was provided by Bankrate Insurance, and according to this list of the 25 most expensive metropolitan areas, it’s not all bad news. While drivers in Detroit may suffer from massively inflated auto insurance rates due to Michigan’s included unlimited personal injury protection, other states in this list – the majority, in fact – have an average rate lower than the national average.

The difference between first place and second place on this list is definitely encouraging. While, yes, 165% above the national average is a huge gap, the second most expensive insurance rates in the nation are held by New York and its surrounding metropolitan area, and those rates are only, on average, 36% higher than the national average.

That’s followed by Miami with 36% and Los Angeles with 25%, and since the averages have already fallen 140% since Detroit’s place at the top of this list, it’s no surprise to see areas like Charlotte, North Carolina. While still in the top 25 most expensive metropolitan areas, the 25th most expensive area not only has lower rates than the national averaged, but those car insurance rates are a whopping 43% lower. The top 25 isn’t so scary now, is it?

If you’re looking for cheap car insurance, North Carolina seems to be the home of low rates. Not only are 6 of the 10 cheapest cities to drive in North Carolina, but it also has very driver-friendly car insurance laws.

Experts have been saying for years that the cause of these rates is population density, and when you consider how sparsely populated some of the lower-ranked cities are, you’ll start to see their logic. More people lead to more cars on the road, and that leads to more potential accidents. In Detroit and other high-ranked cities, some of the inflated cost can be attributed to a large number of uninsured drivers. In Detroit, some surveys and studies estimate that up to half of the cars on the road are uninsured.
Without further ado, here is a list of the 25 most expensive metropolitan insurance rates.

1. Detroit-Warren-Ann Arbor, Mich., 165%
2. New York-Newark, N.Y.- N.J.-Conn.-Pa., 36%
3. Miami-Fort Lauderdale-Port St. Lucie, Fla., 34%
4. Los Angeles-Long Beach, Calif., 25%
5. Atlanta-Athens-Clarke County-Sandy Springs, Ga., 17%
6. Sacramento-Roseville, Calif., 16%
7. San Jose-San Francisco-Oakland, Calif., 10%
8. Philadelphia-Reading-Camden, Pa.-N.J.-Del.-Md., 10%
9. Houston-The Woodlands, Texas, 10%
10. Tampa-St. Petersburg-Clearwater, Fla., 9%
11. San Diego-Carlsbad, Calif., 2%
12. Boston-Worcester-Providence, Ma.-R.I.-N.H.-Conn., 2%
13. Dallas-Fort Worth, Texas-Okla., 1%
14. Portland-Vancouver-Salem, Ore., -1%
15. Minneapolis-St. Paul, Minn.-Wis., -5%
16. District of Columbia-Baltimore-Arlington, Md.-Va.-W.V.-Pa., -6%
17. Seattle-Tacoma, Wash., -10 %
18. Orlando-Deltona-Daytona Beach, Fla., -10%
19. Phoenix-Mesa-Scottsdale, Ariz., -10%
20. Denver-Aurora, Colo., -12 %
21. Chicago-Naperville, Ill.-Ind.-Wis., -16%
22. St. Louis-St. Charles-Farmington, Mo.-Ill., -18%
23. Pittsburgh-New Castle-Weirton, Pa.-Ohio-W.V., -24%
24. Cleveland-Akron-Canton, Ohio, -31%
25. Charlotte-Concord, N.C.-S.C., -43%

Do you live in one of the most expensive areas in America, or do you enjoy extremely low rates like North Carolina? What do you think is causing the price difference in your area? Feel free to share your experiences in the comments.

Article Name
25 Highest Car Insurance Rates in America
Bankrate Insurance compiled a list of the 25 metropolitan areas with the highest car insurance rates. Did your city make the list?