Detroit has the highest average annual auto insurance rates in the United States, at over $5,000 per year according to a 2020 report. Other cities with high auto insurance rates include Flint, Michigan; Bridgeport, Connecticut; and Newark, New Jersey, all with average annual rates over $3,000. High auto insurance rates in these cities are due to factors like higher accident rates, vehicle theft rates, medical costs, and laws on mandatory personal injury protection coverage.