If gas costs skyrocket, there is always room for savings on your car insurance. The offer is diverse, and as surprising as it may seem, it varies greatly from one city to another. Zoom in on the most competitive of them.

Why does the price vary from city to city?

Did you know that the prices of auto contracts are freely defined by the insurance organizations themselves? In fact, insurance companies begin by studying local statistics before determining the level of risk that each one entails. This is called the coefficient. It is based on several factors:

• The percentage of damage is assessed depending on where the car is parked. This is index number 1 to define the total sum insured. You should know that the number of injuries (accidents, thefts, damages, etc.) directly affects the price of your insurance premium. And of course, some cities have a higher average damage rate than others, which justifies the variation in values, more or less important.
• The circulation rate. It is interesting to note that where you drive inevitably affects the price of your insurance. The contribution is calculated on the basis of the traffic density and the estimated risk of accidents. The higher these rates are, the more its quantity increases. Therefore, prices in rural areas are often much more advantageous than in the more frequented cities.
• climatic events. Bad weather (storms, floods, hail, etc.) and other natural disasters will likely lead to an increase in the price of your car insurance to allow insurance companies to amortize the shortfall of unforeseen expenses.

So, in your opinion, which cities are the winners for this combination of criteria? Above all, how to find the formula that allows you to pay for cheap car insurance? This is what we are going to explain to you right away: follow the guide!

Nantes, Bordeaux and Clermont-Ferrand top the pack

Obviously, your car policy will be more affordable if you live in an area with few claims and reasonable traffic density. To cover your vehicle at a reduced cost, it is better to live in the West of France than anywhere else… Yes, it is in Brittany that drivers have the most competitive rates! But not only. Nantes, Bordeaux and Clermont-Ferrand won the competition without doubt. And against all odds, it is not Paris that has the highest prices (the capital even comes in 4th place among the most accessible cities). It is in the PACA region, in Marseille and Nice, that prices panic.

Living in Nantes, you pay an average of 28 euros/month to cover your vehicle against all risks (and 10 euros/month to insure it against a third party). In Marseille, this cost will reach 41 euros/month for accident insurance and 15 euros/month for third party insurance. The differences in practiced values ​​can thus be around 50%!

But of course, you won’t be moving to pay less for your car insurance… Fortunately, there are tools to make your life easier, no matter what city you live in. Discover our favorite without further delay.

Find the best insurance contract according to your profile

Now you know where to put your suitcases if you want to save money all year round! Only, as we have explained to you, the insurance companies are based on several indices to define the prices of their formulas. So how do you find the most attractive car insurance?

Good news: some online comparators are there to make your job easier. For example, LeLynx.fr provides you with an insurance comparison. This tool allows you to find the most advantageous guarantees and options based on your profile and current needs.

You get access to the annual amount of your premium and the various excess amounts, to the insurance formula and to the additional options that are available. In a few minutes you will receive several offers for free.

As you have probably understood, the calculation of the monthly price of your car insurance is based on a lot of changing criteria. You can certainly find a favorable formula to counter the increase in gas prices. It’s up to you to hunt for good deals!