Is it true that car insurance are much higher in cities than in rural areas?
No. If anything, auto insurance premiums are usually higher for people who reside in the city compared to the ones that reside in a rural area.
Auto insurance is focused on the risk as a motorist and vehicle owner which you show the car insurance provider, therefore if your state lets your geological location as a rating variable it’ll make a difference with your car insurance rates when you’ve got an address in the city, suburbs or a lot more rural area.
Your Zipcode and its loss track record (including variables like your area’s claims record, law-breaking rate, and quantity of motorists) help establish your vehicle insurance rates. This clearly shows the reason why motorists in huge metropolitan areas like New York City and Los Angeles need to pay higher car insurance rates than motorists in non-urban areas.
In metropolitan areas, there are other vehicles and motorists for each square mile, that produces a situation in which it is more probable for an accident to occur. Additionally in the urban environment there’s a higher occurrence of theft and vandalism, and also hit and run incidents.