Report: Detroit Has Most Expensive Insurance

Detroit has the most expensive car insurance and Charlotte, N.C., has the cheapest, according to a an survey of average premiums in the 25 largest U.S. metropolitan areas.

In the Detroit metro area, drivers pay a 165 percent more than the national average for car insurance. The next most expensive metros are New York City (36 percent more than the national average), Miami (at 34 percent more) and Los Angeles (at 25 percent more).

“One of the main reasons why car insurance is so expensive in the Detroit area is because Michigan is the only state where car insurance includes unlimited personal injury protection,” says Laura Adams, senior analyst with “Also, Detroit has a very high percentage of uninsured motorists—as high as 50 percent by some estimates. That unfortunately raises rates for those who do have car insurance.”

Meanwhile, Charlotte-area residents pay 43 percent less than the national average. Cleveland (31 percent less than the national average) and Pittsburgh (24 percent less) are the second- and third-least expensive metropolitan areas, respectively, according to the report.

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