CarInsurance.com's analysis highlights the sharp divide between the most and least expensive U.S. cities for car insurance. Drivers in urban centers like Hamtramck, Detroit, New Orleans and Brooklyn face some of the highest costs in the nation, while those in smaller Vermont towns pay among the lowest.

Auto insurance costs are still rising in much of the country, with new data showing increases expected in 19 states in early 2026. Where you live —

The Advocates for Highway and Auto Safety went so far as to publish a report in 2026 regarding the states and their implementation of these new traffic laws and areas where they are coming up short. By 2026,