Is car insurance more expensive in the city than in the suburbs?

I live about an hour and 30 minutes outside the city but have decided that I’m tired of the daily commute. I’m renting a condo downtown, but now I have to switch my car insurance—will it cost more to insure my car now that I’m in a city?

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Answer provided by
Andrea Barrett
Answered on May 23, 2022
Great question! Yes, typically residents of urban areas tend to pay higher rates than people living in rural or remote regions. Because cities have larger populations, a higher risk of accidents, and more theft, they tend to have a higher number of claims—and to insurance companies, that spells risk.
Each area in a state has certain features that influence car insurance rates, such as population density, theft rate, vehicle repair costs, traffic, and more. But it’s not just your location that dictates your insurance rates. They also depend on:
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