Place of residence is one of the factors that play a significant role in how car insurance premiums are set because insurance companies assess the likelihood of claims based on where the policyholder lives. Carriers consider auto accident risks based on the county or state and theft or vandalism risks based on the city or neighborhood, according to Eaton & Berube Insurance Agency. Auto accidents depend on road conditions and traffic in your driving area, while theft and vandalism risks are higher where you park your car. Regardless of where they are located, rising rates are moving drivers nationwide to shop around for coverage at record rates, according to J.D. Power, which found that nearly half of personal auto policyholders were seeking new quotes. To determine which cities are the worst for drivers, Forbes Advisor ranked the 47 most populated cities based on 15 metrics across four categories: driving experience, safety, cost of car ownership, and access to car maintenance. The above slideshow reviews the 10 cities that ranked as the worst for motorists. Related:

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