Generally, city dwellers pay more for auto insurance than rural
dwellers. Why? Because auto premiums are largely determined by factors
related to the frequency and amount of a claim payout. Logically, cities
have much denser populations than the country, so the risk for an
accident is much higher in urban areas than it is in rural areas.
Because of this, you most likely will pay more if you live in the city
than if you live in the country.