Matt Schmitz

Cars.com

Detroit isn't just the car capital of the U.S. — it's also the king of car-insurance costs. According to insuranceQuotes.com, a subsidiary of finance-info provider Bankrate Insurance, the Motor City and its metropolitan area lay claim to the dubious distinction of having the most expensive auto insurance in the nation.

Detroit-area drivers on average pay 165 percent more than the national average for car insurance, followed by New York, where motorists pay 36 percent more, and Miami, 34 percent more.

Curious where drivers pay the least expensive premiums? Watch the video above to find out!

"One of the main reasons why car insurance is so expensive in the Detroit area is because Michigan is the only state where car insurance includes unlimited personal injury protection," said Laura Adams, senior analyst for insuranceQuotes.com, in a statement. "Also, Detroit has a very high percentage of uninsured motorists — as high as 50 percent by some estimates. That unfortunately raises rates for those who do have car insurance."

While New York ranks No. 2 among the most expensive car-insurance cities, the nation's next-largest cities, Los Angeles and Chicago, check in at Nos. 4 and 21, respectively. L.A. motorists pay 25 percent more than the national average, while Windy City-area drivers pay 16 percent less. Dead-center on the list at Nos. 12, 13 and 14 are Boston, Dallas and Portland, Ore., where residents pay 2 percent more, 1 percent more and 1 percent less. States with metro areas appearing most frequently on the list include California (five times), Pennsylvania (four times) and Florida (three times).

Researchers say population density is naturally a major contributor to insurance rates: more people, more cars, more potential for crashes. Other factors include theft rates, state regulations and percentage of uninsured motorists.

Does your area rank among places with the nation's costliest insurance? Below are the top 25 metropolitan areas in order of most- to least-expensive, followed by the percentage paid compared with the national average:

1. Detroit-Warren-Ann Arbor, Mich., 165 percent

2. New York-Newark, N.Y.- N.J.-Conn.-Pa., 36 percent

3. Miami-Fort Lauderdale-Port St. Lucie, Fla., 34 percent

4. Los Angeles-Long Beach, Calif., 25 percent

5. Atlanta-Athens-Clarke County-Sandy Springs, Ga., 17 percent

6. Sacramento-Roseville, Calif., 16 percent

7. San Jose-San Francisco-Oakland, Calif., 10 percent

8. Philadelphia-Reading-Camden, Pa.-N.J.-Del.-Md., 10 percent

9. Houston-The Woodlands, Texas, 10 percent

10. Tampa-St. Peterseburg-Clearwater, Fla., 9 percent

11. San Diego-Carlsbad, Calif., 2 percent

12. Boston-Worcester-Providence, Ma.-R.I.-N.H.-Conn., 2 percent

13. Dallas-Fort Worth, Texas-Okla., 1 percent

14. Portland-Vancouver-Salem, Ore., -1 percent

15. Minneapolis-St. Paul, Minn.-Wis., -5 percent

16. District of Columbia-Baltimore-Arlington, Md.-Va.-W.V.-Pa., -6 percent

17. Seattle-Tacoma, Wash., -10 percent

18. Orlando-Deltona-Daytona Beach, Fla., -10 percent

19. Phoenix-Mesa-Scottsdale, Ariz., -10 percent

20. Denver-Aurora, Colo., -12 percent

21. Chicago-Naperville, Ill.-Ind.-Wis., -16 percent

22. St. Louis-St. Charles-Farmington, Mo.-Ill., -18 percent

23. Pittsburgh-New Castle-Weirton, Pa.-Ohio-W.V., -24 percent

24. Cleveland-Akron-Canton, Ohio, -31 percent

25. Charlotte-Concord, N.C.-S.C., -43 percent