NEW YORK (TheStreet) - If you live in Detroit, you probably pay a lot for car insurance. Drivers there on average pay 165% more for their car insurance than the national average. 

Among the 25 largest metro areas in the U.S., Detroit, New York and Miami lead the way when it comes to pricey auto insurance, according to a Quadrant Information Services report released by Bankrate's (RATE) Insurancequotes.com. The national average for annual coverage was $797 as of 2011, the most recent data available, the August report said.

Part of the reason car insurance is so expensive in Detroit is because Michigan requires "no fault" coverage, which gives the policy holder coverage no matter who is at fault, says Laura Adams, senior insurance analyst for Insurancequotes.com. Detroit also suffers from a large proportion of uninsured motorists, about half, who drive up insurance costs for everyone, Adams says.

Another main factor that affects insurance rates for drivers is the amount of traffic on the road. Simply the more cars on the road, the greater chance of accidents.

Click through to see the 13 cities that have the most expensive car insurance.

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13. Dallas-Fort Worth

Drivers in the Dallas-Fort Worth, Texas metropolitan area pay, on average, 1% higher than the national average for annual car insurance rates.

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11. Boston (tie)

Drivers in the Boston-Worcester-Providence, Massachusetts, Rhode Island, New Hampshire, Connecticut metropolitan area pay, on average, 2% higher than the national average for annual car insurance rates.

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11. San Diego (tie)

Drivers in the San Diego-Carlsbad, Calif. metropolitan area pay, on average, 2% higher than the national average for annual car insurance rates.

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10. Tampa

Drivers in the Tampa-St. Petersburg-Clearwater, Fla. metropolitan area pay, on average, 9% higher than the national average for annual car insurance rates.

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7. Houston (tie)

Drivers in the Houston-The Woodlands, Texas metropolitan area pay, on average, 10% higher than the national average for annual car insurance rates.

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7. Philadelphia (tie)

Drivers in the Philadelphia-Reading-Camden, Pennsylvania, New Jersey, Delaware, Maryland metropolitan area pay, on average, 10% higher than the national average for annual car insurance rates.

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7. San Francisco (tie)

Drivers in the San Francisco-San Jose-Oakland Calif. metropolitan area pay, on average, 10% higher than the national average for annual car insurance rates.

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6. Sacramento

Drivers in the Sacramento-Roseville, Calif. metropolitan area pay, on average, 16% higher than the national average for annual car insurance rates.

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5. Atlanta

Drivers in the Atlanta-Athens-Clarke County-Sandy Springs, Georgia metropolitan area pay, on average, 17% higher than the national average for annual car insurance rates.

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4. Los Angeles

Drivers in the Los Angeles-Long Beach, Calif. metropolitan area pay, on average, 25% higher than the national average for annual car insurance rates.

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3. Miami

Drivers in the Miami-Fort Lauderdale-Port St. Lucie, Fla. metropolitan area pay, on average, 34% higher than the national average for annual car insurance rates.

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2. New York

Drivers in the New York-Newark, New York, New Jersey, Connecticut, and Pennsylvania metropolitan area pay, on average, 36% higher than the national average for annual car insurance rates.

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1. Detroit

Drivers in the Detroit-Warren-Ann Arbor, Mich. metropolitan area pay, on average, 165% higher than the national average for annual car insurance rates.

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--Written by Laurie Kulikowski and Kerri Fivecoat-Campbell

Disclosure: TheStreet's editorial policy prohibits staff editors, reporters and analysts from holding positions in any individual stocks.