There is a greater volume of traffic and some areas within cities have higher levels of crime.  The most expensive city to live in is London, where the average car insurance premium is £1,269. Next it’s the north-west, with big cities such as Manchester and Liverpool, with an average premium of £1,073. Here’s the full round up of regional averages from the 2020 Consumer Intelligence car insurance price index: London: £1,269 North-west: £1,073 East midlands: £906 West midlands: £888 Yorkshire and the Humber: £778 South east: £662 Wales: £660 Scotland: £651 North east: £648 East of England: £619 South west: £601