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Detroit, Brooklyn, Philadelphia Have Most Expensive Car Insurance

Study breaks insurance cost down by ZIP code.

Where you live plays a huge role in how much you pay for car insurance. To illustrate just how big an effect your ZIP code has on your premiums, online quote-comparison website CarInsurance.com reported in a new study that Detroit, Michigan; Brooklyn, New York; and Philadelphia, Pennsylvania have the nation's highest average insurance rates. Relative theft and crime rates in cities play a large part in influencing insurance rates.

To compile the list, CarInsurance.com retrieved average car insurance quotes for a fictional 40-year-old driver with a 2014 Honda Accord living in 33,410 different ZIP codes. Nationwide, the average insurance quote for said imaginary driver's 2014 Honda Accord was $1,231. Detroit (ZIP code 48277) topped the list with a $5,109 quote. The full list of the most expensive ZIP codes for car insurance:

1. Detroit, Michigan 48277, $5,109
2. Brooklyn, New York 11226, $3,877
3. Philadelphia, Pennsylvania 19132, $2,760
4. Providence, Rhode Island 02903, $2,749
5. New Orleans, Louisiana 70117, $2,542
6. Los Angeles, California 90029, $2,416
7. Woodbridge, Connecticut 06525, $2,291
8. Baltimore, Maryland 21216, $2,256
9. Miami, Florida 33142, $2,248
10. Royalton, Kentucky 41464, $2,104

The ten cities with the lowest relative insurance rates for the 2014 Honda Accord were:

1. Green Springs, Ohio 44836, $647
2. Arden, North Carolina 28704, $671
3. Saco, Maine 04072, $709
4. Christiansburg, Virginia 24073, $751
5. Boise, Idaho 83706, $753
6. Lake Havasu City, Arizona 86403, $769
7. West Lafayette, Indiana 47907, $770
8. Allouez, Wisconsin 54302, $776
9. Concord, New Hampshire 03303,$785
10. Normal, Illinois 61761, $827