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?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
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:
The car insurance rates between the suburbs and the city may not be something within your control, but here’s something you can control. If you’re tired of paying sky-high premiums, use Jerry to check for the most affordable rates.
As the #1-rated car insurance app in the App Store, Jerry scans through 55+ top insurers to find you the most affordable rate. Shopping for a new policy with Jerry is the easiest way to save time and money on car insurance. Jerry users save more than $800 a year on car insurance!

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free