Something as simple as moving from one ZIP code to another in the same city — even if you’ve just moved 20 minutes away and your driving record, claims history and vehicle remain the same — can cause your car insurance rates to increase or decrease significantly.

Learn about the role ZIP codes play in how much you pay for car insurance.

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Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Find average rates in your ZIP code

Check rates in your neighborhood using our average rate tool below, which reflect your insurance company’s experience with losses in your neighborhood. Drivers in areas with higher overall crime rates can pay lower rates if more people use public transportation than own a vehicle, or if local drivers are less likely to file insurance claims.

Florida Car Insurance Rates by ZIP Code

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State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
33315 Fort Lauderdale
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$91
highest rate Highest Rate $129/mo.
lowest rate Lowest Rate $47/mo.
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MOST & LEAST EXPENSIVE ZIP CODES in Florida
MOST EXPENSIVE PER MONTH
33012 - Hialeah: $128
33135 - Miami: $128
33013 - Hialeah: $128
33125 - Miami: $127
LEAST EXPENSIVE PER MONTH
32425 - Bonifay: $53
32440 - Graceville: $53
32431 - Cottondale: $53
32428 - Chipley: $53

The factors for your own ZIP code will be different, of course, and even in the same ZIP, rates from different insurers vary substantially. Each car insurance company does its own math and has its own claims experience in your area. That can make a major difference as you compare their rates.

Does my ZIP code affect my car insurance rates?

How your neighborhood and ZIP code affect your car insurance ratesYes, ZIP codes do affect how much you pay for coverage. Your location is taken into account by insurance companies when setting your rate.

When setting rates, insurers look at the claims history within a certain geographic area, which is why where you live has a pronounced impact on the auto insurance premium you pay.

In your particular ZIP code, factors that can drive rates higher include the number of:

  • Vehicles stolen
  • Claims for property stolen out of a car
  • Fraudulent injury claims
  • Reports of vandalism

Even something like damage caused by a tornado — anything that would generate an insurance claim – can drive rates higher.

However, many factors influence your auto insurance rates, in addition to where you live.

Other variables that impact rates include:

  • The make and model of the vehicle you drive
  • How the car performs in collisions
  • How and when you use the car
  • Whether you have a clean driving record
  • Your credit score

What is a garaging ZIP code or a garaging address?

A garaging ZIP code or address refers to where you park your car the majority of the time, whether it’s in a driveway, garage or along the street. Typically, that’s where you live, at your primary residence, and so the ZIP code in your address would be the garaging ZIP. Typically, insurers will determine your location as the first step in setting a base car insurance rate. Then the cost is adjusted up or down, depending on other variables.

Do you get a discount for parking your car in a garage?

You typically don’t get a car insurance discount for having your own garage. But car insurance premiums may be lower in neighborhoods where homeowners have private garages. And the garages themselves may be responsible for lower rates of theft and vandalism. But every driver in that ZIP code benefits, not just the ones with garages.

Unless you’re insuring a classic or specialty car, most insurers won’t ask whether you have a garage. When you are asked where your car is “garaged” at night, what they usually are seeking is your address.

Urban areas typically have higher rates than rural areas

Living in an urban area compared with a rural area can have a major impact on rates. In a metro area where there are more cars on the roads and more traffic, accidents are more likely, pushing rates higher. The most expensive ZIP codes for car insurance tend to be in major cities or areas prone to severe weather storms.

On the other hand, less populated areas tend to have lower rates. Our average car insurance rates guide provides costs by coverage level, state, ZIP code and company so you can get an idea of what you can expect to pay for your particular situation.

 — Michelle Megna contributed to this story.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.