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Most and least expensive ZIP codes for car insurance by state


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The highest car insurance rates in the nation belong to Detroit, according to CarInsurance.com's analysis of rates for a 2016 Honda Accord with full coverage for nearly every ZIP code in the country.

ZIP codes in Brooklyn, New York and New Orleans, Louisiana rank second and third, respectively, behind Detroit, Michigan.

Drivers can enter a ZIP code in CarInsurance.com’s average car insurance rates tool to see the average premium for the location, as well as the highest and lowest rates. You can get a customized rate by choosing from among six age groups for men and women and three coverage levels.

Rankings were determined by identifying the highest ZIP code for car insurance in each state and then listing them in descending order.

The top 10 most expensive ZIP codes by state for full coverage car insurance are:

1. Detroit, Michigan, in ZIP code 48227: $7,415

2. Brooklyn, New York, in ZIP code 11212: $4,440

3. New Orleans, Louisiana, in ZIP code 70117: $3,747

4. Coral Gables, Florida, in ZIP code 33135: $3,310

5. Philadelphia, Pennsylvania, in ZIP code 19132: $3,189

6. Las Vegas, Nevada, in ZIP code 89101: $2,705

7. Providence, Rhode Island, in ZIP code 02909: $2,573

8. Los Angeles, California, in ZIP code 90010: $2,552

9. Baltimore, Maryland, in ZIP code 21216: $2,423

10. Essie, Kentucky, in ZIP: code 40827: $2,405

To find the most expensive ZIP code for car insurance in every state, see the table below.

StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual Premium
Michigan 48227 Detroit $7,415 $15,851 $2,634
New York 11212 New York $4,440 $7,898 $2,326
Louisiana 70117 New Orleans $3,747 $4,495 $2,629
Florida 33135 Coral Gables $3,310 $5,710 $1,500
Pennsylvania 19132 Philadelphia $3,189 $6,451 $1,373
Nevada 89101 Las Vegas $2,705 $3,386 $1,786
Rhode Island 02909 Providence $2,573 $3,533 $1,297
California 90010 Los Angeles $2,552 $3,680 $1,523
Maryland 21216 Baltimore $2,423 $2,852 $1,903
Kentucky 40827 Essie $2,405 $4,353 $1,082
Connecticut 06103 Hartford $2,361 $3,534 $1,249
Connecticut 06105 Hartford $2,361 $3,534 $1,249
Connecticut 06106 Hartford $2,361 $3,534 $1,249
Connecticut 06112 Hartford $2,361 $3,534 $1,249
Connecticut 06114 Hartford $2,361 $3,534 $1,249
Connecticut 06120 Hartford $2,361 $3,534 $1,249
Wisconsin 53206 Milwaukee $2,203 $4,886 $1,077
Massachusetts 02119 Boston $2,074 $3,477 $950
Massachusetts 02120 Boston $2,074 $3,477 $950
Massachusetts 02121 Boston $2,074 $3,477 $950
Oklahoma 74103 Tulsa $2,058 $3,764 $1,110
Oklahoma 74106 Tulsa $2,058 $3,433 $1,300
Delaware 19801 Wilmington $2,051 $2,781 $1,416
New Jersey 07102 Newark $1,987 $2,734 $1,080
New Jersey 07103 East Orange $1,987 $2,734 $1,080
New Jersey 07104 Belleville $1,987 $2,734 $1,080
New Jersey 07105 Newark $1,987 $2,734 $1,080
New Jersey 07106 East Orange $1,987 $2,734 $1,080
New Jersey 07107 Belleville $1,987 $2,734 $1,080
New Jersey 07108 Irvington $1,987 $2,734 $1,080
New Jersey 07111 Irvington $1,987 $2,734 $1,080
New Jersey 07112 Irvington $1,987 $2,734 $1,080
New Jersey 07114 Newark $1,987 $2,734 $1,080
New Jersey 07175 Newark $1,987 $2,734 $1,080
New Jersey 07184 Newark $1,987 $2,734 $1,080
New Jersey 07188 Newark $1,987 $2,734 $1,080
New Jersey 07189 Newark $1,987 $2,734 $1,080
New Jersey 07191 Newark $1,987 $2,734 $1,080
New Jersey 07192 Newark $1,987 $2,734 $1,080
New Jersey 07193 Newark $1,987 $2,734 $1,080
New Jersey 07195 Newark $1,987 $2,734 $1,080
New Jersey 07198 Newark $1,987 $2,734 $1,080
New Jersey 07199 Newark $1,987 $2,734 $1,080
Arizona 85017 Phoenix $1,984 $2,554 $1,364
Missouri 63147 Saint Louis $1,856 $2,960 $1,064
Georgia 30310 Atlanta $1,832 $2,300 $977
Texas 75242 Dallas $1,780 $2,937 $1,072
West Virginia 25671 Dingess $1,735 $2,409 $1,366
West Virginia 25685 Naugatuck $1,735 $2,409 $1,366
West Virginia 25690 Ragland $1,735 $2,409 $1,366
DC 20002 Washington $1,724 $2,913 $713
DC 20003 Washington $1,724 $2,913 $713
DC 20004 Washington $1,724 $2,913 $713
DC 20005 Washington $1,724 $2,913 $713
DC 20006 Washington $1,724 $2,913 $713
DC 20007 Washington $1,724 $2,913 $713
DC 20008 Washington $1,724 $2,913 $713
DC 20009 Washington $1,724 $2,913 $713
DC 20010 Washington $1,724 $2,913 $713
DC 20011 Washington $1,724 $2,913 $713
DC 20012 Washington $1,724 $2,913 $713
DC 20015 Washington $1,724 $2,913 $713
DC 20016 Washington $1,724 $2,913 $713
DC 20017 Washington $1,724 $2,913 $713
DC 20018 Washington $1,724 $2,913 $713
DC 20019 Washington $1,724 $2,913 $713
DC 20020 Washington $1,724 $2,913 $713
DC 20024 Fort Lesley J Mcnair $1,724 $2,913 $713
DC 20026 Washington $1,724 $2,913 $713
DC 20032 Bolling Air Force Base $1,724 $2,913 $713
DC 20036 Washington $1,724 $2,913 $713
DC 20037 Washington $1,724 $2,913 $713
DC 20045 Washington $1,724 $2,913 $713
DC 20052 Washington $1,724 $2,913 $713
DC 20057 Washington $1,724 $2,913 $713
DC 20059 Washington $1,724 $2,913 $713
DC 20064 Washington $1,724 $2,913 $713
DC 20260 Washington $1,724 $2,913 $713
DC 20374 Washington $1,724 $2,913 $713
DC 20376 Washington $1,724 $2,913 $713
DC 20388 Washington $1,724 $2,913 $713
DC 20391 Washington $1,724 $2,913 $713
DC 20398 Washington $1,724 $2,913 $713
DC 20500 Washington $1,724 $2,913 $713
Illinois 60636 Chicago $1,693 $2,479 $976
Colorado 80219 Denver $1,680 $2,272 $949
Minnesota 55103 Saint Paul $1,678 $2,133 $1,217
Tennessee 38132 Memphis $1,668 $2,521 $986
Oregon 97266 Portland $1,662 $2,018 $1,274
Hawaii 96704 Captain Cook $1,619 $2,680 $958
Hawaii 96710 Hakalau $1,619 $2,680 $958
Hawaii 96718 Hawaii National Park $1,619 $2,680 $958
Hawaii 96719 Hawi $1,619 $2,680 $958
Hawaii 96720 Hilo $1,619 $2,680 $958
Hawaii 96725 Honalo $1,619 $2,680 $958
Hawaii 96726 Honaunau $1,619 $2,680 $958
Hawaii 96727 Honokaa $1,619 $2,680 $958
Hawaii 96728 Honomu $1,619 $2,680 $958
Hawaii 96737 Hawaiian Ocean View $1,619 $2,680 $958
Hawaii 96738 Waikoloa $1,619 $2,680 $958
Hawaii 96739 Keauhou $1,619 $2,680 $958
Hawaii 96740 Holualoa $1,619 $2,680 $958
Hawaii 96743 Kamuela $1,619 $2,680 $958
Hawaii 96749 Hawaiian Paradise Park $1,619 $2,680 $958
Hawaii 96750 Kealakekua $1,619 $2,680 $958
Hawaii 96755 Halaula $1,619 $2,680 $958
Hawaii 96760 Hawaiian Acres $1,619 $2,680 $958
Hawaii 96764 Laupahoehoe $1,619 $2,680 $958
Hawaii 96771 Fern Acres $1,619 $2,680 $958
Hawaii 96772 Naalehu $1,619 $2,680 $958
Hawaii 96773 Ninole $1,619 $2,680 $958
Hawaii 96774 Ookala $1,619 $2,680 $958
Hawaii 96776 Paauilo $1,619 $2,680 $958
Hawaii 96777 Pahala $1,619 $2,680 $958
Hawaii 96778 Ainaloa $1,619 $2,680 $958
Hawaii 96780 Papaaloa $1,619 $2,680 $958
Hawaii 96781 Papaikou $1,619 $2,680 $958
Hawaii 96783 Pepeekeo $1,619 $2,680 $958
Mississippi 39086 Hermanville $1,591 $2,235 $1,118
Arkansas 72342 Helena-West Helena $1,590 $1,987 $1,216
Washington 98404 Midland $1,589 $1,933 $1,371
Kansas 66115 Kansas City $1,577 $2,489 $899
Wyoming 82222 Lance Creek $1,565 $2,032 $1,125
Wyoming 82701 Newcastle $1,565 $2,032 $1,125
Wyoming 82710 Aladdin $1,565 $2,032 $1,125
Wyoming 82711 Alva $1,565 $2,032 $1,125
Wyoming 82712 Beulah $1,565 $2,032 $1,125
Wyoming 82714 Devils Tower $1,565 $2,032 $1,125
Wyoming 82715 Four Corners $1,565 $2,032 $1,125
Wyoming 82720 Hulett $1,565 $2,032 $1,125
Wyoming 82721 Carlile $1,565 $2,032 $1,125
Wyoming 82723 Osage $1,565 $2,032 $1,125
Wyoming 82729 Sundance $1,565 $2,032 $1,125
Wyoming 82730 Upton $1,565 $2,032 $1,125
Alabama 35208 Birmingham $1,542 $2,271 $880
South Carolina 29810 Allendale $1,537 $1,837 $1,270
New Mexico 87121 Albuquerque $1,518 $2,146 $1,208
North Dakota 58538 Fort Yates $1,498 $2,934 $785
Utah 84104 Salt Lake City $1,425 $1,790 $766
Nebraska 68110 Omaha $1,423 $1,792 $1,139
New Hampshire 03841 Hampstead $1,371 $1,993 $616
Alaska 99504 Anchorage $1,331 $1,497 $1,140
Montana 59926 Martin City $1,318 $1,907 $822
Montana 59901 Evergreen $1,318 $1,907 $822
Montana 59912 Columbia Falls $1,318 $1,907 $822
South Dakota 57551 Martin $1,293 $1,585 $960
Indiana 46402 Gary $1,274 $1,664 $825
Ohio 44504 Youngstown $1,242 $1,881 $804
North Carolina 28310 Fort Bragg $1,237 $1,629 $802
Iowa 51501 Council Bluffs $1,178 $1,747 $772
Virginia 22312 Alexandria $1,165 $1,443 $829
Idaho 83536 Kamiah $1,031 $1,782 $716
Maine 04549 Boothbay $1,024 $1,384 $564
Vermont 05079 Vershire $1,000 $1,306 $474

Car insurance companies assess many factors when setting rates, and your location is chief among them. Based on the number and severity, or cost, of car insurance claims within the area, insurers assign ZIP codes different risk levels. Insurers take into account the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. This is used as the base rate from which insurers calculate your premium. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. Every car insurance company uses its own base rate and formula, which is why rates can vary so much, and why it's important to comparison shop.

The least expensive locations for full coverage car insurance rates are:

1. Fremont, Ohio,  ZIP code 43420 and Coldwater, Ohio ZIP code 45828 (tie): $804

2. Swannanoa, North Carolina, in ZIP code 28778: $813

3. Normal, Illinois, in ZIP code 61761: $818

4. Blacksburg, Virginia, in ZIP code 24060: $819

5. Lafayette, Indiana, in ZIP code 47901: $838

6. Boise City, Idaho, in ZIP code 83706: $855

7. Biddeford, Maine, in ZIP code 04005: $861

8. Nantucket, Massachusetts,  ZIP code 02554 and Siasconset, Massachusetts ZIP code 02564 (tie): $877

9. Ames, Iowa, in ZIP code 50012: $907

10. Watertown, South Dakota, in ZIP code 57201: $913

CarInsurance.com's analysis showed a national average rate of $1,355 for full coverage, and several locations, including San Jose, California, and Scottsdale, Arizona, mirror that average.

To find the least expensive ZIP code for car insurance in every state, see the table below.

StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual Premium
Ohio 43420 Fremont $804 $1,122 $541
Ohio 45828 Coldwater $804 $1,102 $570
North Carolina 28778 Asheville $813 $1,034 $544
Illinois 61761 Normal $818 $1,168 $517
Virginia 24060 Blacksburg $819 $972 $676
Indiana 47901 Lafayette $838 $1,339 $560
Idaho 83706 Boise City $855 $1,406 $625
Maine 04005 Biddeford $861 $1,223 $463
Massachusetts 02554 Nantucket $877 $1,158 $678
Massachusetts 02564 Siasconset $877 $1,158 $678
Iowa 50012 Ames $907 $1,482 $596
South Dakota 57201 Watertown $913 $1,514 $644
Vermont 05446 Burlington $914 $1,158 $486
Vermont 05403 Burlington $914 $1,158 $487
Alaska 99820 Angoon $937 $1,155 $834
Nebraska 68512 Lincoln $969 $1,191 $693
Washington 99136 Hay $987 $1,208 $838
Missouri 65109 Jefferson City $1,002 $1,551 $647
Minnesota 56088 Truman $1,003 $1,299 $804
Arizona 86403 Lake Havasu City $1,009 $1,281 $770
New Hampshire 03264 Plymouth $1,010 $1,434 $556
Tennessee 37692 Unicoi $1,019 $1,518 $676
South Carolina 29672 Seneca $1,051 $1,359 $808
Georgia 31632 Hahira $1,057 $1,379 $600
California 93441 Los Olivos $1,071 $1,503 $641
Texas 76901 Grape Creek $1,081 $1,592 $804
Utah 84721 Cedar City $1,086 $1,402 $674
New Mexico 88310 Alamogordo $1,092 $1,823 $776
New York 14830 Corning $1,094 $1,574 $690
North Dakota 58204 Grand Forks $1,099 $2,042 $703
North Dakota 58205 Grand Forks $1,099 $2,044 $703
North Dakota 58207 Grand Forks $1,099 $2,044 $703
Oregon 97330 Corvallis $1,106 $1,549 $791
New Jersey 07979 Pottersville $1,107 $1,422 $649
Montana 59635 East Helena $1,108 $1,718 $710
Maryland 21742 Fountainhead-Orchard Hills $1,111 $1,709 $893
Kansas 67117 North Newton $1,114 $1,655 $738
Wisconsin 54136 Kimberly $1,116 $2,272 $530
Mississippi 39759 Sessums $1,146 $1,845 $689
Mississippi 39762 Starkville $1,146 $1,845 $689
Alabama 36467 Opp $1,146 $1,470 $711
Mississippi 39743 Crawford $1,146 $1,668 $775
Pennsylvania 16801 Boalsburg $1,166 $2,409 $489
Nevada 89445 Winnemucca $1,175 $1,665 $905
West Virginia 25401 Martinsburg $1,184 $1,645 $942
Colorado 80521 Fort Collins $1,196 $1,449 $721
Arkansas 72719 Centerton $1,222 $1,710 $803
Kentucky 42301 Owensboro $1,244 $2,017 $773
Rhode Island 02835 Jamestown $1,254 $1,537 $939
Hawaii 96703 Anahola $1,261 $2,026 $780
Hawaii 96705 Eleele $1,261 $2,026 $780
Hawaii 96714 Hanalei $1,261 $2,026 $780
Hawaii 96716 Hanapepe $1,261 $2,026 $780
Hawaii 96722 Princeville $1,261 $2,026 $780
Hawaii 96741 Kalaheo $1,261 $2,026 $780
Hawaii 96746 Kapaa $1,261 $2,026 $780
Hawaii 96747 Kaumakani $1,261 $2,026 $780
Hawaii 96751 Kealia $1,261 $2,026 $780
Hawaii 96752 Kekaha $1,261 $2,026 $780
Hawaii 96754 Kilauea $1,261 $2,026 $780
Hawaii 96756 Koloa $1,261 $2,026 $780
Hawaii 96766 Hanamaulu $1,261 $2,026 $780
Hawaii 96769 Makaweli $1,261 $2,026 $780
Hawaii 96796 Waimea $1,261 $2,026 $780
Delaware 19944 Fenwick Island $1,353 $1,917 $959
Wyoming 82327 Elk Mountain $1,423 $1,843 $1,122
Wyoming 82334 Sinclair $1,423 $1,843 $1,122
Wyoming 82615 Casper $1,423 $1,843 $1,122
Oklahoma 73542 Frederick $1,437 $2,048 $830
Florida 32693 Fanning Springs $1,443 $1,955 $996
Connecticut 06475 Fenwick $1,541 $2,259 $844
Louisiana 71439 Hornbeck $1,671 $2,046 $1,123
DC 20001 Washington $1,704 $2,913 $713
Michigan 49418 Grandville $1,897 $2,872 $847

 

Motor city madness: Why are car insurance rates so high in Detroit?

Detroit is notorious for having the most expensive car insurance rates in the nation, due to a variety of factors:

  • Unlimited no-fault laws -- The state’s unique no-fault insurance laws mandate lifetime medical care for those injured in car accidents, beyond what their health insurance pays. It also provides up to about $5,400 per month in lost wages for up to three years, regardless of who caused the accident.
  • Exorbitant Personal Injury Protection (PIP) claim costs – PIP is medical coverage for those injured in car accidents. The average payment per paid PIP claim increased 72 percent in Michigan, from $25,997 to $44,756, from 2005 to 2013, according to the Insurance Research Council. That’s significantly higher the 38 percent jump in the average cost per claim, from $5,802 to $8,017, for PIP claims nationwide.
  • Fraud: Critics of the no-fault laws in Michigan say that the system is vulnerable to fraud, as aggressive lawyers contribute to escalating numbers of lawsuits and seek to cash in by shuttling clients into unnecessary and costly medical treatments. This is compounded by hospitals charging higher fees for patients injured in car accidents, compared to standard patient costs. The state also lacks an insurance fraud oversight board or committee.
  • Uninsured motorists: Michigan has one of the highest uninsured driver rates, with an estimated 21 percent of motorists going without insurance, according to the latest Insurance Research Council study. But estimates for the uninsured rate in Detroit are even higher.  In a commentary for the Coalition Protecting Auto No-Fault, Melvin Butch Hollowell, former Michigan insurance consumer advocate, put the number at 60 percent.
  • Economic struggles: In Michigan, car insurance companies review credit histories when setting rates, and those with poor credit pay are seen as high-risk by insurers, so they are charged more money. Sixty-six percent of Detroit residents have subprime credit scores (or no scores at all), according to a 2016 analysis by the Urban Institute.
  • High theft rates: There were 382 car-jackings and 8,534 stolen vehicles last year in Detroit, according to a report compiled in January by Detroit Chief of Police James Craig. The city’s population last year is pegged at 677,166, giving the Motor City a car-theft rate of 1,316 per 100,000 population. That compares to the FBI’s stolen-car rate of 220 per 100,000 inhabitants for the country.

 

Rural areas generally cheaper than urban areas for car insurance

The cheapest ZIP code for car insurance, Fremont, Ohio, is about 40 miles from Toledo and has a population of about 17,000. Freemont is typical of locations that tend to have low car insurance rates. Drivers in rural areas generally pay less than drivers in urban areas. Rural areas have fewer cars on the road, so costs for insurers are lower because there are fewer accidents, claims and thefts.

Each state’s car insurance laws also come into play, as some state minimum liability requirements are much lower than others.  “Ohio has minimum limits of 25/50/25 for liability, with no requirement for PIP, which helps keep down rates,” says Penny Gusner, consumer analyst for CarInsurance.com. “Ohio also has a healthy car insurance market.  With plenty of regional and national auto insurers, motorists have companies competing for their business and can readily obtain low car insurance premiums by shopping around and comparing rates.” 

Methodology:

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). 

Averages for the default result on the average rates tool are based on full coverage insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability per person, $300,000 per accident and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. Rankings are based on this default driver profile. ZIP codes in ranking were the highest ZIP code for car insurance in the state, ranked by descending order. Rankings for the cheapest ZIP code were in ascending order from lowest premium.

Averages for customized rates in the tool are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

 

 


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5 Responses to "Most and least expensive ZIP codes for car insurance by state"
  1. CarInsurance.com

    The rates shown are annual premiums.

      Reply»  
  2. Ron

    Are these annual or semi-annual premiums?

      Reply»  
  3. Ron

    New Orleans zip code 70117 is the Lower 9th Ward, made (in)famous by Hurricane Katrina.

      Reply»  
  4. Sid

    The fact that Los Angeles and other urban areas are aggregated in insurance companies' data and rates as high risk areas, thus the rates are higher IS NOT discrimination against such inner city/higher risk areas drivers. Why? Because while they pay higher car insurance premium they almost certainly pay (much) lower housing cost. If do-gooders would like to spread insurance risks statewide (not by ZIP code as they do now) those who live outside of high risk (theft, vandalism, drugs, etc.) areas will subsidize those whose housing cost is much lower. After all moving away from high risk areas is important justification for paying (much) more for housing.

      Reply»  
  5. Ken

    Of course, it is not possible for everyone to be aware of everything related to insurance quotes. So we should learn and decide one of the quotes carefully as it is the matter of our beloved vehicle.

      Reply»  
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