PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
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?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies