There are hundreds of great things about city life. But, the price of car insurance isn’t one of them. People move to the city for many different reasons. Some do it to be closer to work, some do it because they’re in love with the urban lifestyle, and some do it so they don’t even need a car. Unfortunately, that last one isn’t true for everyone in an urban area. If you don’t need a car, you’re one of the lucky ones. If you do, you’ll be paying extra for it, thanks to higher car insurance quotes.

One of the things that draw people to the city is also one of the things that work against them when it comes to finding affordable car insurance. That’s the number of people and the number of buildings. Lots of us love the hustle and bustle and love that there are so many different kinds of people in one small area. It’s interesting, it’s exciting, and it helps us learn about different lifestyles and cultures. But living in an area with a high population also means you’re more likely to get into an accident. And if insurance companies believe there’s a high chance of you getting into an accident, they will give you higher car insurance quotes. This happens when you’re in an area with more pedestrians, more vehicles, and even more buildings.

Living in a high-population area doesn’t just mean more people and cars it also means more crime. This means that an insurance company will look at where you live and decide there’s a pretty good chance your car will be stolen or vandalized, at least compared to someone living out in the country. That’s another reason why you’ll see higher car insurance quotes in the city.

Of course, this isn’t a hard-and-fast rule. If you’ve got a clean driving history and a car with a lot of safety features, you might still be able to get an affordable rate; location isn’t the only factor in determining insurance rates. How much you pay also depends on what city you live in, not just the fact that you’re in an urban area. For example, if you’re in Charlotte, North Carolina, you’ll be paying a whole lot less than you would in Detroit, Michigan. Detroit has the highest average insurance rate in the country, at just under $6000 per year.

It’s true that where you live affects your car insurance quotes, but don’t let that discourage you. Instead, concentrate on finding other ways to keep your costs down. There are sacrifices to be made no matter where you make your home; it just so happens then when it comes to city living, the cost of insurance is right there next to increased noise, more pollution, and a tiny balcony instead of a backyard vegetable garden.

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