The NBA & NHL Finals: A City vs. City Look at Auto Insurance Costs


The 'Finals' WordThe past weekend was a big one for sports. After closing out their rivals in the NBA and NHL finals, the San Antonio Spurs and Los Angeles Kings returned home as champions.

So what’s home look like when it comes to auto insurance costs?

Here’s a look how both cities — and their rival cities — stack up when it comes to car insurance costs.

Using the latest reports on “America’s Best Drivers” (from Allstate) and most expensive and cheapest cities for auto insurance (from Runzheimer International), we’ve found some similarities (and differences, too) between car coverage prices and how the finals unfolded for those cities.

San Antonio vs. Miami

What Allstate Says:

It took five games for San Antonio to dispatch Miami, with the Spurs taking two games on the road. Coincidentally, San Antonio was named a “road scholar” by Allstate in 2013 for being a safe driving city with a large population.

According to Allstate’s report, there is an average 8.2 years between car accidents in San Antonio. The likelihood of a car accident in San Antonio is 22.4% more likely compared to the national average.

The results are worse in Miami, where there’s an average 6.3 years between accidents. In Magic City, you’re 59.4% more likely to be in a car accident, relative to the national average.

Our ‘Finals’ Word:

The record for the Spurs: 62-20. For the Heat: 54-28.

In Allstate’s report, San Antonio’s ranking: 141st. Miami’s ranking: 187th.

Also take into account that Miami is the 4th-most expensive city for auto insurance in the U.S., according to other data.

So our ‘Finals’ word is as stone-cold as those numbers. We’re siding with the Spurs, who took less time to win another championship (the last was in 2007) than it takes for the average San Antonio driver to get into a car accident.

Los Angeles vs. New York

This cross-country, big-city vs. big-city rivalry revived one of the bigger cultural questions in America: LA or NYC?

What Allstate Says:

Los Angeles drivers are in the city with the 2nd-biggest population in Allstate’s report, and see an average of 6.7 years between accidents. Drivers there are 49.3% more likely to have a car accident compared to the national average.

On the other hand, New York drivers are in the biggest city in Allstate’s report there is an average 7.3 years between accidents. Drivers in the Big Apple are 37.8% more likely to be in a car accident, relative to the national average.

According to Allstate’s report, the best drivers in the U.S. aren’t in New York or Los Angeles at all, but the latter city gets a worse ranking. Los Angeles is the city with the 181st-best drivers; or, looked at from another way, is the city with the 14th-worst drivers. New York is a shade better with the 172st-ranking.

Our ‘Finals’ Word:

Looks like this final word won’t side with the actual champion. Los Angeles drivers have it worse than New York drivers when it comes to auto insurance.

And that’s not just according to Allstate’s report. According to Runzheimer International, Los Angeles is the 10th-most expensive city for auto insurance in the U.S., with auto premiums averaging $2,693 a year. New York wasn’t in the top 10.

So New York drivers win in a close one. But when it came to hockey, the close one turned out the other way.

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