19 U.S. Cities Where Auto Insurance Rates Are Skyrocketing

The cost of living crisis is leaving nothing untouched. Car insurance premiums are soaring across the U.S., reflecting a complex blend of factors from traffic congestion to theft rates. Here’s a closer look at the cities facing the steepest increases in auto insurance costs:

Los Angeles, California

The City of Angels is notorious for its dense traffic and high vehicle theft rates, with over 80,000 thefts reported in 2022, according to the Los Angeles Police Department. With a population exceeding 4 million, these factors combine to create a high-risk environment for insurers, leading to escalating insurance premiums that reflect the heightened risk.

Tampa, Florida

Tampa drivers contend with some of the highest insurance rates in Florida, exacerbated by the city’s vulnerability to hurricanes and flooding, as reported by a 2023 Tampa Bay Times article. These natural events frequently damage vehicles, leading to higher comprehensive insurance claims. The city’s growing population and tourist influx further contribute to congested roads and a higher incidence of accidents, pushing premiums upward.

Cleveland, Ohio

Cleveland faces a unique set of challenges that drive up insurance costs, including severe winter weather conditions that lead to icy roads and increased accident rates. A 2023 report by WKYC indicates that the city’s economic conditions also play a role, with a higher-than-average rate of uninsured motorists compared to other U.S. cities. This combination of factors results in a higher risk profile for insurers, reflected in Cleveland’s auto insurance premiums.

Minneapolis, Minnesota

Minneapolis is known for its harsh winters, which include heavy snowfall and icy conditions, leading to a higher frequency of auto accidents during the cold months. According to a 2023 report by the Star Tribune, the city also has a dense urban layout that contributes to frequent vehicle collisions. Additionally, Minnesota’s no-fault insurance law requires drivers to carry personal injury protection, which can increase the overall cost of insurance policies in Minneapolis.

Detroit, Michigan

Despite a decline in car thefts, Detroit contends with a significant number of uninsured drivers—over 20% as of 2023, according to the Detroit Free Press. This contributes to a higher frequency of hit-and-run incidents and financial losses for insured drivers, necessitating higher premiums to cover the increased risk.

Miami, Florida

Florida has some of the highest auto insurance rates in the country, with drivers in Miami paying well above the state average, which exceeds $3,100 annually, as reported by NerdWallet in 2023. Factors such as Miami’s high accident rates and heavy tourist traffic exacerbate the situation, pushing premiums even higher.

New Orleans, Louisiana

This city’s insurance rates are impacted by Louisiana’s high uninsured motorist rate—over 13% according to a 2022 report from the Insurance Information Institute (III)—and frequent flooding, which leads to costly vehicle repairs and replacements, further inflating insurance costs.

Atlanta, Georgia

Ranked among the top 10 most congested cities in the U.S. by a 2023 WSB-TV report, Atlanta’s sprawling metropolitan area sees a high volume of traffic accidents, leading to increased insurance claims and, consequently, higher premiums for its drivers.

San Francisco, California

Similar to its southern counterpart, Los Angeles, San Francisco deals with a dense population, significant traffic congestion, and a high rate of car break-ins—over 24,000 in 2022, as per SFPD reports. These factors make for a risky insurance landscape, reflected in the city’s costly premiums.

New York City, New York

The complexities of insuring a car in NYC include rising car theft rates, with over 10,000 incidents in the first half of 2023 alone, according to The Zebra, as well as the additional costs associated with parking and garaging vehicles in the city. These elements combine to drive up the cost of auto insurance significantly.

Chicago, Illinois

Chicago’s harsh winters contribute to a high rate of weather-related accidents, making it one of the top U.S. cities for winter driving mishaps, as per a 2023 WGN-TV report. This weather-induced risk results in more claims and higher insurance premiums for local drivers.

Houston, Texas

While Texas generally enjoys lower-than-average insurance rates, Houston is an exception due to its vast size and high rate of uninsured drivers—over 15%, according to a 2022 Texas Department of Insurance report. These factors contribute to a riskier driving environment and higher premiums.

Baltimore, Maryland

With auto thefts exceeding 18,000 in 2022 and an uninsured driver rate over 17%, as reported by the III in 2023, Baltimore’s drivers face significant risks that are reflected in their insurance premiums.

Seattle, Washington

Long commute times in Seattle—over 30 minutes on average, exceeding national figures as per a 2023 report from The Seattle Times—along with challenging weather conditions, contribute to frequent accidents and higher insurance costs.

Phoenix, Arizona

Despite its wide, driver-friendly roads, Phoenix’s extreme climate and increasing instances of distracted driving—highlighted in a 2023 report by the Arizona Department of Transportation—lead to frequent vehicle wear and tear and a rise in accidents, pushing up insurance rates.

Philadelphia, Pennsylvania

Philadelphia struggles with aggressive driving and a high number of uninsured motorists—over 14%, according to a 2022 PennDOT report. These issues lead to more accidents and higher financial burdens for insured drivers, reflected in rising insurance costs.

Denver, Colorado

As Denver’s population grows, so does its traffic congestion. Now ranking in the top 20 most congested cities in the U.S., according to a 2023 Denver Post report, the increased road traffic leads to more accidents and, consequently, higher auto insurance premiums.

Portland, Oregon

Portland’s unique geographic and climatic conditions contribute to its challenging driving environment. Frequent rain and fog lead to slick roads and reduced visibility, increasing the likelihood of accidents. As per a 2023 report by KOIN, Portland also has a high rate of bicyclists and pedestrians, which complicates traffic scenarios further and leads to more insurance claims, thereby increasing premiums for local drivers.

San Diego, California

Known for its beautiful weather and extensive freeway systems, San Diego still faces significant insurance rate challenges, primarily due to its proximity to the Mexican border. This geographical factor increases the risk of car thefts and uninsured drivers, a problem highlighted in a 2023 report by the San Diego Union-Tribune. Moreover, the high cost of living in the area adds to the overall expense of car ownership, including insurance premiums.

11 U.S. Museums That Might Not Survive the Next Decade

Beloved museums face uncertain futures in America’s cultural landscape due to financial struggles and existential questions. From the bustling streets of New York City to the vibrant neighborhoods of Chicago, these institutions stand as pillars of creativity and history. As society evolves and priorities shift, can these iconic museums adapt and thrive in the next decade?

The Metropolitan Museum of Art, New York City

Despite being one of the world’s most iconic cultural hubs, “The Met” has encountered financial hurdles exacerbated by the COVID-19 pandemic. With a reported deficit of over $150 million in 2020, the museum implemented staff layoffs and reduced programs to navigate the crisis. Despite its storied history and vast collection spanning millennia, sustaining operations remains an ongoing concern.

Detroit Institute of Arts, Detroit

A cornerstone of Detroit’s cultural landscape, the DIA confronts economic strains amidst the city’s broader challenges. Despite local efforts, including a voter-approved millage, the museum still faces long-term sustainability issues. The delicate balance between maintaining accessibility and preserving invaluable artworks underscores the DIA’s struggle for financial viability.

The Solomon R. Guggenheim Museum, New York City

Renowned for its distinctive architecture and avant-garde collections, the Guggenheim grapples with declining attendance and revenue streams. Pre-pandemic, the museum faced criticism for its reliance on blockbuster exhibitions at the expense of its permanent collection. The Guggenheim’s survival hinges on innovative strategies and community engagement as it adapts to changing visitor preferences and fiscal realities.

The Barnes Foundation, Philadelphia

A testament to one man’s singular vision, the Barnes Foundation houses an unparalleled collection of Impressionist and Post-Impressionist masterpieces. However, ongoing financial challenges and governance issues have cast shadows over its future. Despite efforts to increase revenue through expanded programming and visitor initiatives, sustainability remains a pressing concern.

The Whitney Museum of American Art, New York City

Known for championing contemporary American art, Whitney faces uncertainty amidst the post-pandemic landscape. While its relocation to a new, larger space in 2015 aimed to enhance visitor experiences, sustaining operations in an increasingly competitive cultural milieu presents ongoing challenges. As it navigates evolving cultural trends and financial pressures, Whitney’s ability to thrive in the next decade remains uncertain.

The Museum of Contemporary Art, Los Angeles

A bastion of West Coast creativity, MOCA grapples with financial instability exacerbated by the pandemic. Despite recent efforts to bolster fundraising and streamline operations, the museum’s long-term viability remains a subject of concern. Balancing its role as a cultural beacon with the need for fiscal sustainability poses formidable challenges for MOCA’s leadership.

The National Museum of Women in the Arts, Washington D.C.

Dedicated to celebrating women’s contributions to the arts, NMWA faces financial pressures aggravated by the pandemic’s impact on philanthropic giving. As it seeks to expand its outreach and preserve its mission, the museum confronts the need for sustainable funding models. Navigating these challenges is essential to ensuring women artists’ continued representation and recognition in the cultural landscape.

The Frick Collection, New York City

Housed in a historic Gilded Age mansion, the Frick Collection grapples with financial strains exacerbated by rising operational costs. Despite its prestigious reputation and loyal donor base, the museum has faced criticism for its limited accessibility and reluctance to modernize. As it embarks on a renovation project to enhance visitor experiences, Frick must address fundamental questions of sustainability and relevance.

The Isabella Stewart Gardner Museum, Boston

A testament to one woman’s passion for art and culture, the Gardner Museum faces challenges sustaining its unique legacy. Despite its iconic status and innovative programming, the museum contends with financial constraints that threaten its long-term viability. Balancing preservation with the need for financial sustainability poses complex dilemmas for Gardner’s leadership.

The Museum of the Moving Image, New York City

Dedicated to exploring the art and history of film, television, and digital media, MoMI confronts financial uncertainty amidst a rapidly evolving media landscape. Despite its niche focus and innovative exhibitions, the museum has struggled to attract sustained funding and visitor engagement. As it seeks to redefine its role in a digital age, MoMI must navigate the intersection of art, technology, and finance to ensure its survival.

The National Academy Museum and School, New York City

Founded in 1825, the National Academy faces existential threats amidst financial instability and governance challenges. Despite its rich history and esteemed alums, the museum has grappled with declining attendance and revenue streams. As it seeks to redefine its mission and engage with new audiences, the National Academy’s ability to adapt to changing cultural landscapes will determine its fate in the coming decade.

​​The Museum of Contemporary Art, Chicago

A pillar of the Midwest art scene, MCA Chicago contends with financial pressures exacerbated by the pandemic’s impact on tourism and philanthropy. Despite its commitment to showcasing cutting-edge contemporary art, the museum faces challenges maintaining its diverse programming and community engagement efforts. As it navigates uncertain economic terrain, MCA Chicago must innovate to ensure its continued relevance and sustainability in the coming years.

The American Folk Art Museum, New York City

Celebrating the creativity and cultural heritage of self-taught artists, AFAM grapples with financial constraints and limited visibility. Despite its unique collections and critical acclaim, the museum has struggled to attract the same level of patronage as larger institutions. As it seeks to broaden its audience and secure sustainable funding sources, AFAM faces pivotal decisions in preserving its mission and legacy.

The New Museum, New York City

A trailblazer in contemporary art, the New Museum faces financial challenges amidst the economic downturn and shifting cultural landscapes. Despite its reputation for bold, boundary-pushing exhibitions, the museum relies heavily on earned revenue streams, leaving it vulnerable to fluctuations in visitor traffic. As it strives to maintain its commitment to emerging artists and experimental programming, the New Museum must navigate financial uncertainties while preserving its ethos of artistic innovation.

The Andy Warhol Museum, Pittsburgh

The Warhol Museum, fueled by passion for Andy Warhol, the pop art icon, faces harsh financial realities worsened by the pandemic’s blow to tourism and donations. Despite its heavyweight status as North America’s top single-artist museum, Warhol’s struggling to keep its vast collections and educational initiatives afloat. Adapting to shifting cultural and economic tides is the name of the game. Can it secure lasting funds and captivate diverse crowds to ensure its place in the art world?

17 U.S. Cities with the Fastest Growing Rates of Homelessness

Imagine a country where over 650,000 people have nowhere to call home. That’s the sobering reality in the United States, where on a single night in January 2023, more than half a million people were experiencing homelessness, according to the Department of Housing and Urban Development. But that’s just the tip of the iceberg. This number doesn’t include the millions more who teeter on the brink every year, who are just one missed paycheck or unexpected medical bill away from losing their roof. Get ready for some eye-opening statistics – this is a problem we can’t ignore.

San Francisco, California

Homeless Count (2022): Over 80,000 people experiencing homelessness.

Contributing Factors: Extremely high housing costs, pronounced income inequality, and a complicated approval process for new housing units.

Local Efforts: San Francisco dedicates substantial resources to homelessness initiatives, aiming to expand access to supportive housing with comprehensive services, although high living costs and bureaucratic hurdles persist.

New York City, New York

Homeless Count (2023): Over 64,000 people in the shelter system.

Contributing Factors: The high cost of living, the scarcity of affordable housing, and inadequate supportive services intensify the city’s homelessness issue.

Local Efforts: New York City manages an extensive network of homeless shelters and is actively working to expand permanent supportive housing while tackling mental health and substance abuse issues among the homeless population.

Los Angeles, California

Homeless Count (2023): Over 66,436 unhoused individuals.

Contributing Factors: Exorbitant housing costs, a dire shortage of affordable housing, and prevalent mental health and substance abuse issues.

Local Efforts: The Los Angeles Homelessness Services Authority (LAHSA) leads with a focus on increasing access to emergency shelters, bridge housing, and permanent supportive housing, plus addressing mental health and addiction treatment.

Seattle, Washington

Homeless Count (2023): Over 13,000 people experiencing homelessness.

Contributing Factors: Escalating housing costs and limited mental health and addiction treatment services.

Local Efforts: The Seattle Housing Authority offers various affordable housing programs and rental assistance. The city is also enhancing navigation centers to connect people without homes with services and permanent housing.

Denver, Colorado

Homeless Count (2023): Over 14,000 people.

Contributing Factors: Denver’s economic growth attracts many new residents, exacerbating the affordable housing shortage and straining limited mental health care options.

Local Efforts: The city is investing in affordable housing development and rental assistance alongside programs that provide connections to mental health care and addiction treatment services.

San Jose, California

Homeless Count (2023): Over 10,000 people.

Contributing Factors: The Silicon Valley boom has led to skyrocketing living costs, a lack of affordable housing, and prevalent mental health challenges.

Local Efforts: Santa Clara County is pushing rapid rehousing programs and increasing the stock of affordable housing to help address these challenges.

Phoenix, Arizona

Homeless Count (2023): Over 8,000 people.

Contributing Factors: Rapid population growth has strained housing affordability, alongside a lack of affordable housing options and limited resources.

Local Efforts: Phoenix focuses on homelessness prevention, rapid rehousing, and the development of permanent supportive housing, aiming to offer a comprehensive approach to the crisis.

Las Vegas, Nevada

Homeless Count (2023): Over 6,800 individuals.

Contributing Factors: High housing costs, a shortage of affordable housing, and limited social services.

Local Efforts: Las Vegas, in collaboration with Clark County, is developing a comprehensive plan to increase affordable housing, provide rental assistance, and offer supportive services.

Miami, Florida

Homeless Count (2023): Over 5,500 individuals.

Contributing Factors: High living costs, scarcity of affordable housing, and significant income inequality.

Local Efforts: Miami-Dade County employs a multi-faceted approach, providing emergency shelter, rental assistance, and supportive housing programs.

Austin, Texas

Homeless Count (2023): Over 5,500 individuals.

Contributing Factors: Swift population growth is leading to rising housing costs and a scarcity of affordable housing, compounded by a lack of supportive services.

Local Efforts: Austin and Travis County collaborate on strategies to expand rental assistance programs, create supportive housing units, and address the underlying causes of homelessness.

Portland, Oregon

Homeless Count (2023): Over 5,200 people.

Contributing Factors: A limited supply of affordable housing and lack of access to mental health care, worsened by high poverty rates.

Local Efforts: Portland invests in affordable housing development and

renter assistance programs, with outreach and support services to assist the homeless in transitioning to stable housing.

Honolulu, Hawaii

Homeless Count (2022): Over 4,500 people.

Contributing Factors: High living costs, limited affordable housing, and a scarcity of resources.

Local Efforts: Honolulu is working to expand access to affordable housing and emergency shelters, along with providing job training and supportive services to aid transitions out of homelessness.

Washington, D.C.

Homeless Count (2023): Over 6,000 people.

Contributing Factors: High living costs, a lack of affordable housing, and limited support services.

Local Efforts: The D.C. Interagency Council on Homelessness leads efforts to provide emergency shelter, permanent supportive housing, and outreach programs.

Albuquerque, New Mexico

Homeless Count (2022): Over 1,800 homeless students in Albuquerque Public Schools.

Contributing Factors: High poverty rates, a shortage of affordable housing, and prevalent domestic violence.

Local Efforts: Albuquerque’s Heading Home Coalition coordinates rapid rehousing assistance, supportive housing development, and street outreach to tackle homelessness.

Orlando, Florida

Homeless Count (2023): Over 2,500 people.

Contributing Factors: Rising housing costs, a shortage of affordable housing, and limited social safety net resources.

Local Efforts: The Central Florida Homeless Coalition is spearheading efforts to provide shelter, supportive housing, and services to address the root causes of homelessness.

Philadelphia, Pennsylvania

Homeless Count (2023): Over 5,700 people.

Contributing Factors: Philadelphia faces a combination of high poverty rates, inadequate affordable housing, and limited access to health services.

Local Efforts: The city of Philadelphia is actively expanding its efforts to provide emergency shelters and permanent supportive housing. There is a strong focus on mental health services and job training programs aimed at aiding the transition out of homelessness. Philadelphia’s comprehensive approach includes street outreach teams that work to engage with homeless individuals directly and connect them to necessary services.

Chicago, Illinois

Homeless Count (2023): Over 5,200 people experiencing homelessness.

Contributing Factors: Chicago’s homelessness is driven by high unemployment rates, systemic poverty, and a significant gap in affordable housing.

Local Efforts: Chicago has implemented several initiatives to reduce homelessness, including the development of affordable housing units and substantial investments in health services and job programs. The city also supports innovative approaches like “Housing First,” which provides homeless individuals with housing without preconditions, alongside access to supportive services aimed at sustainability and self-sufficiency.