SAN FRANCISCO -

The top spot on Instamotor’s list of most expensive metro areas to buy a used car on the private-party market isn't going to surprise you. It’s the San Francisco/Oakland/San Jose, Calif. market.

But No. 2 on the list might get some second looks.

Average private-party used-car prices in the Oklahoma City metro area are above nine grand ($9,028) and are less than $500 below the No. 1-ranked Bay Area.

That’s more than San Diego ($8,304), New York ($8,169) and Seattle ($8,067), all of which made the top 10.

So why the pricier cars in OKC? Commute times, for one, Instamotor said. 

In that neck of the woods, they can average close to half-an-hour, according to this Instamotor blog post.

“While the overall cost of living is low, commute times in Lincoln County (home to Oklahoma City) average 29 minutes. Long commute times can factor into the value of a used car with buyers seeking the perfect balance of affordability and low mileage,” Instamotor explained in its post.

The complete top 10 from Instamotor is as follows:

1. San Francisco /Oakland/San Jose, Calif. ($9,488) average used car price
2. Oklahoma City ($9,028)
3. Phoenix/Mesa, Ariz. ($8,844)
4. San Diego ($8,304) average used car price
5. Salt Lake City /Ogden, Utah ($8,243)
6. New York ($8,169)
7. Birmingham/Hoover/Cullman, Ala. ($8,079)
8. Seattle/Tacoma/Bellevue, Wash. ($8,067)
9. Tulsa, Okla. ($8,053)
10. Charleston/North Charleston, S.C. ($7,951)

Meanwhile, the 10 least expensive metros for buying private-party used cars was dominated by the Midwest, particularly Ohio. Three of the top four were from the Buckeye State, and seven of the top 10 were from the Midwest. Below is Instamotor's list:  

1. Cleveland/Akron, Ohio ($5,265)
2. Milwaukee/Racine, Wisc. ($5,444)
3. Youngstown/Warren, Ohio ($5,508)
4. Columbus, Ohio ($5,550)
5. Philadelphia ($5,558)
6. Hartford, Conn. ($5,741)
7. Buffalo/Niagara Falls, N.Y. ($5,860)
8. Minneapolis/St. Paul, Minn. ($5,907)
9. Madison, Wisc. ($5,911)
10. Grand Rapids/Muskegon/Holland, Mich. ($5,914)

Instamotor determined these rankings by looking at private-party listings on Craigslist in the 75 largest metro areas, excluding dealer listings. Though numbers varied by city,  the site crunched the numbers for an average of more than 4,100 listings per metro.