The Best Type of Car Insurance to Get if You Live in a High-Crime Area

Where you live plays a part in how much you pay for car insurance. Areas with higher crime rates tend to have the highest premiums.
· 
by
When configuring your car insurance premium, insurance companies take into account the rate of theft and vandalism in your ZIP code. You do have a few options at your disposal when trying to lower car insurance premiums if you live in an area with higher car insurance premiums, including raising your deductible, selecting a less theft-prone car, and comparing the various coverage options when shopping for new insurance.
Check out the section below to see the effect of crime on your car insurance premiums and what you can do to try and lower your rates.

Crime statistics that can affect your car insurance premiums

Search sites such as CrimeReports, NeighborhoodScout, and SpotCrime to determine the crime rate in an area you might move to. Some of the different kinds of crimes that car insurance companies take into account when figuring premiums for high-crime rate areas include:
  • Burglaries: Burglaries include when someone breaks into your vehicle to steal items, such as a car stereo, personal belongings, or any other items that your vehicle contains, including the trunk.
  • Fraud: Insurance fraud happens any time a car owner makes a false claim on their insurance policy.
  • Thefts: Areas with a lot of stolen vehicle tend to tout higher insurance premiums. This problem becomes even greater if you own a highly sought car, such as a Honda, Toyota, or full-size pickup.
  • Vandalism: Acts of vandalism include any time someone damages your vehicle, such as a hit-and-run, a broken window, or graffiti on the outside of your car.

Most and least expensive areas to live in

High-crime rate areas in the U.S. are usually locations with high populations, such as big cities or metropolitan areas. Other places that exhibit a high-crime rate include areas where drug-related crimes have become a problem, even including more rural locations.
The following two charts from Leavitt Group show the most and least expensive areas to live in the U.S. for car insurance premiums due to the area’s high or low crime rate.
<style type="text/css"> .tg {border-collapse:collapse;border-spacing:0;} .tg td{font-family:Arial, sans-serif;font-size:14px;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;} .tg th{font-family:Arial, sans-serif;font-size:14px;font-weight:normal;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;} .tg .tg-baqh{text-align:center;vertical-align:top} .tg .tg-lmol{font-weight:bold;font-size:20px;background-color:#ffc600;text-align:center;vertical-align:top} .tg .tg-amwm{font-weight:bold;text-align:center;vertical-align:top} </style>
Most Expensive Areas for Car Insurance
Rank City
1 Detroit, Michigan
2 Brooklyn, New York
3 Philadelphia, Pennsylvania
4 Providence, Rhode Island
5 New Orleans, Louisiana
6 Los Angeles, California
7 Woodbridge, Connecticut
8 Baltimore, Maryland
9 Miami, Florida
10 Royalton, Kentucky
<style type="text/css"> .tg {border-collapse:collapse;border-spacing:0;} .tg td{font-family:Arial, sans-serif;font-size:14px;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;} .tg th{font-family:Arial, sans-serif;font-size:14px;font-weight:normal;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;} .tg .tg-baqh{text-align:center;vertical-align:top} .tg .tg-lmol{font-weight:bold;font-size:20px;background-color:#ffc600;text-align:center;vertical-align:top} .tg .tg-amwm{font-weight:bold;text-align:center;vertical-align:top} </style>
Least Expensive Areas for Car Insurance
Rank City
1 Green Springs, Ohio
2 Arden, North Carolina
3 Saco, Maine
4 Christiansburg, Virginia
5 Boise, Idaho
6 Lake Havasu City, Arizona
7 West Lafayette, Indiana
8 Allouez, Wisconsin
9 Concord, New Hampshire
10 Normal, Illinois

How to cut your car insurance premiums if you live in an area with a high-crime rate

When living in a high-crime rate area, you have a few options that can help lower your premiums:
  • Raise your deductible: Raising your deductible represents a risky proposition if you live in an area with a high-crime rate. On one hand, you pay less when fulfilling a deductible; on the other hand, the chance of your vehicle suffering from vandalism increases in such areas. Raising your deductible can lower your premium by as much as 9.75% nationwide, according to InsuranceQuotes.
  • Choosing your make and model: When buying a car, choose a make and model not on the list of the most stolen vehicles in the U.S. The following list details the top stolen cars in the U.S:
  • Honda Civic
  • Honda Accord
  • Ford full-size pickup
  • Chevrolet full-size pickup
  • Toyota Camry
  • Dodge full-size pickup
  • Toyota Corolla
  • Nissan Altima
  • Dodge Caravan
  • Chevrolet Impala
  • Compare options: When shopping for car insurance, make sure to shop around at different companies to get a better deal. Getting a few quotes from a few different companies can help you save on your premiums, especially when it comes to comprehensive coverage, which represents the type of insurance you need if you expect to suffer vandalism or a break in with your vehicle or if someone steals your car.
Living in an area with a high-crime rate can cost you when it comes to your car insurance premium. Luckily, you can take these steps to help reduce how much you pay.
Share this article

Hate shopping for car insurance?

Jerry does that for you automatically using AI technology.
1. Tell us your name, phone and current insurance company.
2. We shop with up to 45 insurance companies to find you savings.
3. We do all the paperwork for you to switch, at no cost to you.
illustration
Contact
  • hi@getjerry.com
    1-833-445-3779
    (M-F 8am-5pm PT)
JERRY INSURANCE AGENCY is a licensed insurance broker licensed to do business in all 50 states.
Copyrights © Jerry 2018. All rights reserved.
Jerry App
Jerry automatically checks if you're paying lowest price for your car insurance, for free.