The Least Expensive Cities for Car Insurance

The auto insurance industry bases their rates on several factors, and can include such items as the age of the driver, the type of car insured, credit history, and even where the garaged vehicle is located.
It may be surprising to you to find out that the garaging address can make a huge difference, but the insurance company looks for risks based on the area that in which you live.
Are you located in a high theft area? Do you have potholes that you need to dodge on your way to work? According to a study conducted by Sperling's Best Places, the following are the least expensive cities to purchase car insurance.
The study took into consideration the cost of driving and the cost of gas in relation to the number of miles that were driven.
1 - Cleveland - Elyria - Mentor, Ohio The Cleveland area is number one due to the low insurance rates that their drivers enjoy.
It averages $1,121 annually.
The price for a gallon of gas in the Cleveland area is above average, but not so high as to keep them out of the number one spot.
2 - Milwaukee - Waukesha - West Allis, Wisconsin The Milwaukee area enjoys a low annual insurance cost with the average being in the $1,127 range.
Traffic congestion is high and the average price of a gallon of gas is above the national average.
3 - Cincinnati - Middletown, Ohio Another Ohio metropolitan area finds itself in the top five cities with the lowest car insurance rates.
Cincinnati has a low auto-theft rate that enables the car insurance companies to keep their rates low.
Middletown, Ohio has the distinct honor of receiving the All-America City award from the National Civic League in the 1950's.
This city has low congestion, which keeps the cost of fuel down.
4 - Columbus, Ohio Columbus has an average annual insurance premium of $1,117 per year.
The town has limited traffic congestion, which reflects a lower cost of fuel for the average driver.
Columbus is the capital of Ohio, and a technologically advanced city, with the top industries being in the health and information fields.
5 - Salt Lake City, Utah Salt Lake City, Utah has limited congestion, being a very simple town to get around in, and the cost of a gallon of gas is lower than the national average.
Salt Lake City falls from the top due to a higher auto-theft rate than the top four cities.
Whether you live in a town that has a high average car insurance rate, or are a resident of the number one metropolitan area, you can always find discounts for your car insurance, which will lower your annual premiums.
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