LOUISVILLE, Ky. (WDRB) -- A recent survey says Louisville is one of the most expensive cities for car insurance in the nation. 

The survey comes from Nerd Wallet, a company that helps consumers make smarter decisions with their finances.

The major factors causing high car insurance are out of the driver's control; bad weather, traffic conditions and crime.

Nerd Wallet found that car insurance rates vary across the country but Detroit leads the pack for most expensive by a long shot.

Then it's cities like Grand Rapids and Jersey City.

Louisville is ranked 8th, with an average annual premium of more than $3,000.

"The pricing around here is horrible," said Louisville resident Brian Barber, who has lived in Louisville for 20 years and thinks he pays too much for car insurance.

"If I move over to Indiana, I can probably get it for $75 cheaper a month," said Barber.

So why is car insurance expensive in Louisville? Some say one reason is because Kentucky is a no-fault state.

"If you're in a vehicle accident in Kentucky, your insurance picks up the first $10,000 of your medical bills whether you were at fault or not," explained Louisville Kentucky Insurance agent David Cronin.

He said he wasn't surprised to learn Louisville was in the top 10.

Cronin says he believes people abuse the no-fault system.

"Some people use that as a way to get medical treatment. The original intent was great but over the years, it's gotten taken advantage of," he said.

Cronin also believes too many people in Kentucky get away with driving without insurance.

"It was a statistic a few years ago that at least 30 percent of people driving on the road they know don't have insurance," he said.

Nerd Wallet also cited NeighborhoodScout.com, which said Louisville is more dangerous than 83 percent of U.S. cities and has an especially high number of auto thefts, which is another factor in high auto insurance.

To read the full survey, click here.

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