Car Insurance Estimators for 11 US Cities
Minimum coverage and pricing rules differ by state, and city driving conditions move premiums further.
Each state sets its own minimum liability limits and rules. New York, Florida and Massachusetts are no-fault states that require personal injury protection. California and Massachusetts ban credit-based pricing. Texas requires 30/60/25 liability and California raised its minimums to 30/60/15 in 2025, while Massachusetts raised its limits in July 2025.
How car insurance estimators compare across the 11 cities
| City | State minimum | What is different there |
|---|---|---|
| New York City | Liability 25/50/10 | No-fault state (PIP required) |
| San Francisco | Liability 30/60/15 | At-fault state |
| Los Angeles | Liability 30/60/15 | At-fault state |
| Houston | Liability 30/60/25 | At-fault state |
| Dallas | Liability 30/60/25 | At-fault state |
| Chicago | Liability 25/50/20 | At-fault state |
| Miami | $10,000 personal injury protection | No-fault state (PIP required) |
| Atlanta | Liability 25/50/25 | At-fault state |
| Boston | Bodily injury 25/50 | No-fault state (PIP required) |
| Seattle | Liability 25/50/10 | At-fault state |
| Washington DC | Liability 25/50/10 | At-fault state |
Minimum coverage required by state law; confirm with the state insurance regulator.
Why city premiums differ
Dense traffic, theft, weather and repair costs push premiums up in Miami, New York City and Los Angeles, while Seattle and Boston tend to be lower. Hail in Dallas and flooding in Houston raise comprehensive claims. Each calculator starts from a city starting premium and applies common rating factors.
Minimum is not the same as enough
State minimums were set years ago and may not cover a serious accident. Consider higher liability limits and uninsured motorist coverage.
Choose your city
San Francisco Car Insurance Cost Estimator
Los Angeles Car Insurance Cost Estimator
Houston Car Insurance Cost Estimator
Dallas Car Insurance Cost Estimator
Chicago Car Insurance Cost Estimator
Miami Car Insurance Cost Estimator
Atlanta Car Insurance Cost Estimator
Boston Car Insurance Cost Estimator
Seattle Car Insurance Cost Estimator
DC Car Insurance Cost Estimator
Frequently asked questions
Which states are no-fault?
Among these: New York, Florida and Massachusetts.
Where is car insurance most expensive?
Usually Miami, New York City and Los Angeles among these cities.
Can insurers use credit?
Not in California or Massachusetts.