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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
Michigan48227Detroit$7,415$15,851$2,634
New York11212New York$4,440$7,898$2,326
Louisiana70117New Orleans$3,747$4,495$2,629
Florida33135Coral Gables$3,310$5,710$1,500
Pennsylvania19132Philadelphia$3,189$6,451$1,373
Nevada89101Las Vegas$2,705$3,386$1,786
Rhode Island02909Providence$2,573$3,533$1,297
California90010Los Angeles$2,552$3,680$1,523
Maryland21216Baltimore$2,423$2,852$1,903
Kentucky40827Essie$2,405$4,353$1,082
Connecticut06103Hartford$2,361$3,534$1,249
Connecticut06105Hartford$2,361$3,534$1,249
Connecticut06106Hartford$2,361$3,534$1,249
Connecticut06112Hartford$2,361$3,534$1,249
Connecticut06114Hartford$2,361$3,534$1,249
Connecticut06120Hartford$2,361$3,534$1,249
Wisconsin53206Milwaukee$2,203$4,886$1,077
Massachusetts02119Boston$2,074$3,477$950
Massachusetts02120Boston$2,074$3,477$950
Massachusetts02121Boston$2,074$3,477$950
Oklahoma74103Tulsa$2,058$3,764$1,110
Oklahoma74106Tulsa$2,058$3,433$1,300
Delaware19801Wilmington$2,051$2,781$1,416
New Jersey07102Newark$1,987$2,734$1,080
New Jersey07103East Orange$1,987$2,734$1,080
New Jersey07104Belleville$1,987$2,734$1,080
New Jersey07105Newark$1,987$2,734$1,080
New Jersey07106East Orange$1,987$2,734$1,080
New Jersey07107Belleville$1,987$2,734$1,080
New Jersey07108Irvington$1,987$2,734$1,080
New Jersey07111Irvington$1,987$2,734$1,080
New Jersey07112Irvington$1,987$2,734$1,080
New Jersey07114Newark$1,987$2,734$1,080
New Jersey07175Newark$1,987$2,734$1,080
New Jersey07184Newark$1,987$2,734$1,080
New Jersey07188Newark$1,987$2,734$1,080
New Jersey07189Newark$1,987$2,734$1,080
New Jersey07191Newark$1,987$2,734$1,080
New Jersey07192Newark$1,987$2,734$1,080
New Jersey07193Newark$1,987$2,734$1,080
New Jersey07195Newark$1,987$2,734$1,080
New Jersey07198Newark$1,987$2,734$1,080
New Jersey07199Newark$1,987$2,734$1,080
Arizona85017Phoenix$1,984$2,554$1,364
Missouri63147Saint Louis$1,856$2,960$1,064
Georgia30310Atlanta$1,832$2,300$977
Texas75242Dallas$1,780$2,937$1,072
West Virginia25671Dingess$1,735$2,409$1,366
West Virginia25685Naugatuck$1,735$2,409$1,366
West Virginia25690Ragland$1,735$2,409$1,366
DC20002Washington$1,724$2,913$713
DC20003Washington$1,724$2,913$713
DC20004Washington$1,724$2,913$713
DC20005Washington$1,724$2,913$713
DC20006Washington$1,724$2,913$713
DC20007Washington$1,724$2,913$713
DC20008Washington$1,724$2,913$713
DC20009Washington$1,724$2,913$713
DC20010Washington$1,724$2,913$713
DC20011Washington$1,724$2,913$713
DC20012Washington$1,724$2,913$713
DC20015Washington$1,724$2,913$713
DC20016Washington$1,724$2,913$713
DC20017Washington$1,724$2,913$713
DC20018Washington$1,724$2,913$713
DC20019Washington$1,724$2,913$713
DC20020Washington$1,724$2,913$713
DC20024Fort Lesley J Mcnair$1,724$2,913$713
DC20026Washington$1,724$2,913$713
DC20032Bolling Air Force Base$1,724$2,913$713
DC20036Washington$1,724$2,913$713
DC20037Washington$1,724$2,913$713
DC20045Washington$1,724$2,913$713
DC20052Washington$1,724$2,913$713
DC20057Washington$1,724$2,913$713
DC20059Washington$1,724$2,913$713
DC20064Washington$1,724$2,913$713
DC20260Washington$1,724$2,913$713
DC20374Washington$1,724$2,913$713
DC20376Washington$1,724$2,913$713
DC20388Washington$1,724$2,913$713
DC20391Washington$1,724$2,913$713
DC20398Washington$1,724$2,913$713
DC20500Washington$1,724$2,913$713
Illinois60636Chicago$1,693$2,479$976
Colorado80219Denver$1,680$2,272$949
Minnesota55103Saint Paul$1,678$2,133$1,217
Tennessee38132Memphis$1,668$2,521$986
Oregon97266Portland$1,662$2,018$1,274
Hawaii96704Captain Cook$1,619$2,680$958
Hawaii96710Hakalau$1,619$2,680$958
Hawaii96718Hawaii National Park$1,619$2,680$958
Hawaii96719Hawi$1,619$2,680$958
Hawaii96720Hilo$1,619$2,680$958
Hawaii96725Honalo$1,619$2,680$958
Hawaii96726Honaunau$1,619$2,680$958
Hawaii96727Honokaa$1,619$2,680$958
Hawaii96728Honomu$1,619$2,680$958
Hawaii96737Hawaiian Ocean View$1,619$2,680$958
Hawaii96738Waikoloa$1,619$2,680$958
Hawaii96739Keauhou$1,619$2,680$958
Hawaii96740Holualoa$1,619$2,680$958
Hawaii96743Kamuela$1,619$2,680$958
Hawaii96749Hawaiian Paradise Park$1,619$2,680$958
Hawaii96750Kealakekua$1,619$2,680$958
Hawaii96755Halaula$1,619$2,680$958
Hawaii96760Hawaiian Acres$1,619$2,680$958
Hawaii96764Laupahoehoe$1,619$2,680$958
Hawaii96771Fern Acres$1,619$2,680$958
Hawaii96772Naalehu$1,619$2,680$958
Hawaii96773Ninole$1,619$2,680$958
Hawaii96774Ookala$1,619$2,680$958
Hawaii96776Paauilo$1,619$2,680$958
Hawaii96777Pahala$1,619$2,680$958
Hawaii96778Ainaloa$1,619$2,680$958
Hawaii96780Papaaloa$1,619$2,680$958
Hawaii96781Papaikou$1,619$2,680$958
Hawaii96783Pepeekeo$1,619$2,680$958
Mississippi39086Hermanville$1,591$2,235$1,118
Arkansas72342Helena-West Helena$1,590$1,987$1,216
Washington98404Midland$1,589$1,933$1,371
Kansas66115Kansas City$1,577$2,489$899
Wyoming82222Lance Creek$1,565$2,032$1,125
Wyoming82701Newcastle$1,565$2,032$1,125
Wyoming82710Aladdin$1,565$2,032$1,125
Wyoming82711Alva$1,565$2,032$1,125
Wyoming82712Beulah$1,565$2,032$1,125
Wyoming82714Devils Tower$1,565$2,032$1,125
Wyoming82715Four Corners$1,565$2,032$1,125
Wyoming82720Hulett$1,565$2,032$1,125
Wyoming82721Carlile$1,565$2,032$1,125
Wyoming82723Osage$1,565$2,032$1,125
Wyoming82729Sundance$1,565$2,032$1,125
Wyoming82730Upton$1,565$2,032$1,125
Alabama35208Birmingham$1,542$2,271$880
South Carolina29810Allendale$1,537$1,837$1,270
New Mexico87121Albuquerque$1,518$2,146$1,208
North Dakota58538Fort Yates$1,498$2,934$785
Utah84104Salt Lake City$1,425$1,790$766
Nebraska68110Omaha$1,423$1,792$1,139
New Hampshire03841Hampstead$1,371$1,993$616
Alaska99504Anchorage$1,331$1,497$1,140
Montana59926Martin City$1,318$1,907$822
Montana59901Evergreen$1,318$1,907$822
Montana59912Columbia Falls$1,318$1,907$822
South Dakota57551Martin$1,293$1,585$960
Indiana46402Gary$1,274$1,664$825
Ohio44504Youngstown$1,242$1,881$804
North Carolina28310Fort Bragg$1,237$1,629$802
Iowa51501Council Bluffs$1,178$1,747$772
Virginia22312Alexandria$1,165$1,443$829
Idaho83536Kamiah$1,031$1,782$716
Maine04549Boothbay$1,024$1,384$564
Vermont05079Vershire$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
Ohio43420Fremont$804$1,122$541
Ohio45828Coldwater$804$1,102$570
North Carolina28778Asheville$813$1,034$544
Illinois61761Normal$818$1,168$517
Virginia24060Blacksburg$819$972$676
Indiana47901Lafayette$838$1,339$560
Idaho83706Boise City$855$1,406$625
Maine04005Biddeford$861$1,223$463
Massachusetts02554Nantucket$877$1,158$678
Massachusetts02564Siasconset$877$1,158$678
Iowa50012Ames$907$1,482$596
South Dakota57201Watertown$913$1,514$644
Vermont05446Burlington$914$1,158$486
Vermont05403Burlington$914$1,158$487
Alaska99820Angoon$937$1,155$834
Nebraska68512Lincoln$969$1,191$693
Washington99136Hay$987$1,208$838
Missouri65109Jefferson City$1,002$1,551$647
Minnesota56088Truman$1,003$1,299$804
Arizona86403Lake Havasu City$1,009$1,281$770
New Hampshire03264Plymouth$1,010$1,434$556
Tennessee37692Unicoi$1,019$1,518$676
South Carolina29672Seneca$1,051$1,359$808
Georgia31632Hahira$1,057$1,379$600
California93441Los Olivos$1,071$1,503$641
Texas76901Grape Creek$1,081$1,592$804
Utah84721Cedar City$1,086$1,402$674
New Mexico88310Alamogordo$1,092$1,823$776
New York14830Corning$1,094$1,574$690
North Dakota58204Grand Forks$1,099$2,042$703
North Dakota58205Grand Forks$1,099$2,044$703
North Dakota58207Grand Forks$1,099$2,044$703
Oregon97330Corvallis$1,106$1,549$791
New Jersey07979Pottersville$1,107$1,422$649
Montana59635East Helena$1,108$1,718$710
Maryland21742Fountainhead-Orchard Hills$1,111$1,709$893
Kansas67117North Newton$1,114$1,655$738
Wisconsin54136Kimberly$1,116$2,272$530
Mississippi39759Sessums$1,146$1,845$689
Mississippi39762Starkville$1,146$1,845$689
Alabama36467Opp$1,146$1,470$711
Mississippi39743Crawford$1,146$1,668$775
Pennsylvania16801Boalsburg$1,166$2,409$489
Nevada89445Winnemucca$1,175$1,665$905
West Virginia25401Martinsburg$1,184$1,645$942
Colorado80521Fort Collins$1,196$1,449$721
Arkansas72719Centerton$1,222$1,710$803
Kentucky42301Owensboro$1,244$2,017$773
Rhode Island02835Jamestown$1,254$1,537$939
Hawaii96703Anahola$1,261$2,026$780
Hawaii96705Eleele$1,261$2,026$780
Hawaii96714Hanalei$1,261$2,026$780
Hawaii96716Hanapepe$1,261$2,026$780
Hawaii96722Princeville$1,261$2,026$780
Hawaii96741Kalaheo$1,261$2,026$780
Hawaii96746Kapaa$1,261$2,026$780
Hawaii96747Kaumakani$1,261$2,026$780
Hawaii96751Kealia$1,261$2,026$780
Hawaii96752Kekaha$1,261$2,026$780
Hawaii96754Kilauea$1,261$2,026$780
Hawaii96756Koloa$1,261$2,026$780
Hawaii96766Hanamaulu$1,261$2,026$780
Hawaii96769Makaweli$1,261$2,026$780
Hawaii96796Waimea$1,261$2,026$780
Delaware19944Fenwick Island$1,353$1,917$959
Wyoming82327Elk Mountain$1,423$1,843$1,122
Wyoming82334Sinclair$1,423$1,843$1,122
Wyoming82615Casper$1,423$1,843$1,122
Oklahoma73542Frederick$1,437$2,048$830
Florida32693Fanning Springs$1,443$1,955$996
Connecticut06475Fenwick$1,541$2,259$844
Louisiana71439Hornbeck$1,671$2,046$1,123
DC20001Washington$1,704$2,913$713
Michigan49418Grandville$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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6 Responses to "Most and least expensive ZIP codes for car insurance by state"
  1. Cynthia Fuhrman

    A very good and informative article! There was a LOT to be learned here. Thank you very much.

      Reply»  
  2. CarInsurance.com

    The rates shown are annual premiums.

      Reply»  
  3. Ron

    Are these annual or semi-annual premiums?

      Reply»  
  4. Ron

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

      Reply»  
  5. 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»  
  6. 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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