Curious about the about average car insurance rates in your area? Check out the average car insurance rates by ZIP code using our car insurance ZIP code calculator below, which displays the highest and lowest rates from up to six major insurers for the same policy.

Average car insurance rates can vary significantly among carriers because insurance companies use different data to decide how much you pay. In addition to your age, driving history and other information, location is an important factor in how insurers calculate rates. And there can be a huge difference between the highest and lowest prices for car insurance, which is why you should shop around.

Michigan residents, for instance, pay the highest average insurance rates in the nation with an annual premium of $3,141, followed by residents of Nevada, Kentucky, Washington, D.C., and Florida.

Car insurance ZIP code calculator

Use our car insurance calculator below for a customized rate by ZIP code. Click the “Start Shopping” button. Or, on the left-hand side of the tool, select your ZIP code, age group, gender and one of three coverage levels and click “Update Rates.”

California Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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COVERAGE TYPES
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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.
94404 Foster City
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$46
highest rate Highest Rate $68/mo.
lowest rate Lowest Rate $27/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
MOST EXPENSIVE PER MONTH
90212 - Beverly Hills: $87
90210 - Beverly Hills: $87
91356 - Tarzana: $85
91203 - Glendale: $85
LEAST EXPENSIVE PER MONTH
96094 - Weed: $35
95528 - Carlotta: $36
96027 - Etna: $36
96107 - Coleville: $36

Tip iconKey Highlights
  • Drivers can save an average of $910 annually by comparing car insurance rates – 178%.
  • Insurance companies assign ZIP codes to risk levels based on the number, severity or cost of car insurance claims in that ZIP code.
  • Residents of big cities usually pay higher rates for car insurance.

Compare auto insurance rates by ZIP code

Comparing car insurance rates is smoother if you first get some information together to get an accurate price estimate, such as:

  • ZIP code
  • Credit score
  • Education
  • Occupation
  • Marital status
  • Homeowner status

While basing insurance rates on some of these non-driving-related factors may be controversial, it is common practice. Still, even if some or all of these factors count against you, there are things you can do to lower your auto insurance rates.

Michael DeLong, research and advocacy associate for the Consumer Federation of America, or CFA, stresses the importance of comparing quotes from several auto insurers.

“Taking an hour or two and looking at policies from insurers is well worth your time,” he says. “In some cases, it could save you hundreds of dollars per year, or even more. Consumers can also look for discounts or take defensive driving courses.”

In the table below, the average savings is the dollar difference on average between the highest and lowest rates received from insurers surveyed for each state’s ZIP codes.

Tip iconKey findings

Regardless of your location, you can still net significant savings by comparison shopping, according to CarInsurance’s experts. For instance, in Michigan – the state with the highest potential for savings – the difference between the highest and lowest rates is $4,837. But even in Alaska, where savings are the lowest, the difference is $972.

States where drivers can save the most on average per year by comparing car insurance quotes:

  1. Michigan: $4,837
  2. Kentucky: $2,805
  3. Washington, D.C.: $2,731
  4. Delaware: $2,718
  5. New Jersey: $2,579

States where drivers save the least, on average, by checking out the price of car insurance:

  1. Alaska: $972
  2. Nebraska: $974
  3. Missouri: $1,026
  4. Utah: $1,077
  5. Iowa: $1,114
Average savings difference between the highest and lowest rates
State Average Rate Highest Rate Lowest Rate Average $ Savings Average % Savings
Michigan$3,141$5,899$1,062$4,837455%
Kentucky$2,368$3,749$944$2,805297%
Washington, D.C.$2,188$3,773$1,042$2,731262%
Delaware$1,921$3,738$1,020$2,718266%
New Jersey$1,993$3,569$990$2,579261%
Nevada$2,402$3,626$1,154$2,472214%
Connecticut$2,036$3,029$689$2,340340%
Florida$2,162$3,079$850$2,229262%
Rhode Island$2,040$2,992$763$2,229292%
Texas$1,823$3,065$997$2,068207%
Arizona$1,783$2,742$702$2,040291%
New York$2,062$2,799$824$1,975240%
Louisiana$2,601$3,345$1,429$1,916134%
Illinois$1,538$2,632$763$1,869245%
Georgia$1,865$2,724$1,010$1,714170%
Pennsylvania$1,700$2,496$785$1,711218%
Wyoming$1,782$2,547$944$1,603170%
Colorado$1,948$2,631$1,036$1,595154%
Massachusetts$1,466$2,134$546$1,588291%
California$2,125$2,593$1,052$1,541146%
Oregon$1,496$2,362$837$1,525182%
Maryland$1,816$2,558$1,044$1,514145%
West Virginia$1,654$2,576$1,064$1,512142%
Montana$1,963$2,605$1,111$1,494134%
Hawaii$1,589$2,321$890$1,431161%
Arkansas$1,763$2,447$1,036$1,411136%
Idaho$1,285$2,078$673$1,405209%
Vermont$1,410$2,212$812$1,400172%
New Mexico$1,604$2,334$951$1,383145%
North Dakota$1,577$2,324$949$1,375145%
New Hampshire$1,086$1,999$664$1,335201%
Mississippi$1,684$2,353$1,022$1,331130%
North Carolina$1,425$2,064$767$1,297169%
Washington$1,620$2,248$962$1,286134%
Wisconsin$1,335$1,890$605$1,285212%
Alabama$1,713$2,299$1,036$1,263122%
Kansas$1,689$2,347$1,085$1,262116%
Minnesota$1,619$2,262$1,013$1,249123%
Oklahoma$1,815$2,376$1,127$1,249111%
Ohio$1,191$1,781$537$1,244232%
Indiana$1,266$1,894$672$1,222182%
Virginia$1,196$1,927$712$1,215171%
Maine$1,080$1,711$536$1,175219%
South Dakota$1,643$2,213$1,062$1,151108%
South Carolina$1,653$2,118$986$1,132115%
Tennessee$1,493$2,028$906$1,122124%
Iowa$1,352$1,955$841$1,114132%
Utah$1,492$1,877$800$1,077135%
Missouri$1,798$2,152$1,126$1,02691%
Nebraska$1,500$1,946$972$974100%
Alaska$1,560$1,994$1,022$97295%
National Average$1,758$2,557$910$1,647178%

Cheapest and most expensive car insurance rates by ZIP code

Car insurance companies assess many factors when setting rates and location is chief among them. Based on the number, severity or cost of car insurance claims within the area, insurers assign ZIP codes to corresponding risk levels.

For instance, insurers consider the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. This is how insurers calculate the premium base rate in most states – California is the exception.

Other pricing factors, such as your driving record, the type of car you drive and your age are added to the calculation.

Siwei Gao Thomas and Rebecca Coffey Professor of Insurance Studies at Eastern Kentucky University.
Siwei Gao
Thomas and Rebecca Coffey Professor of Insurance Studies at Eastern Kentucky University.

“The geographical location itself is an important factor in your risk profile. Living in big cities will likely cost you more in car insurance because of two main reasons: The chance of an accident is higher due to traffic and the cost of repairs is more expensive,” says Siwei Gao.

Below we compare auto insurance rates by ZIP codes in each state to show the most and least expensive neighborhoods for car insurance.

Most expensive car insurance rates by ZIP code

To see the most expensive ZIP code for car insurance in every state, see the table below. Enter a state in the search field to narrow results.

Most expensive ZIP code
State ZIP Code City Average Rate Highest Rate Lowest Rate
Michigan48226Detroit$6,329$9,337$3,120
New York11212New York$5,703$9,172$3,123
Louisiana70117New Orleans$4,601$5,769$3,707
Nevada89101Las Vegas$3,768$5,983$1,873
California91605North Hollywood$3,767$5,082$2,946
Pennsylvania19140Philadelphia$3,710$5,304$2,464
Maryland21216Baltimore$3,443$4,209$2,729
Kentucky40944Goose Rock$3,435$5,748$1,690
Florida33142Brownsville$3,342$4,448$1,511
New Jersey07111Irvington$3,043$5,857$1,734
Missouri63115St. Louis$3,018$4,377$2,113
Massachusetts02119Roxbury$2,943$4,240$1,468
Rhode Island02909Providence$2,875$4,329$1,424
Georgia30035Decatur$2,777$3,942$1,789
Illinois60624Chicago$2,721$4,525$1,749
Connecticut06101Hartford$2,667$3,542$1,233
Delaware19736Yorklyn$2,646$4,463$1,357
Arizona85017Phoenix$2,595$3,752$1,189
Texas75241Dallas$2,447$4,419$1,792
Colorado80219Denver$2,421$3,327$1,733
Wisconsin53206Milwaukee$2,306$3,099$1,422
Minnesota55411Minneapolis$2,292$3,057$1,458
DC20016Washington$2,188$3,773$1,042
Washington98108Boulevard Park$2,149$3,070$1,534
Oklahoma74110Tulsa$2,146$2,538$1,718
Montana59089Wyola$2,142$2,853$1,287
Tennessee38118Memphis$2,120$2,806$1,505
West Virginia25621Gilbert$2,119$3,313$1,579
Oregon97266Portland$2,068$2,638$1,387
South Dakota57756Manderson$2,067$2,463$1,594
Arkansas72342Helena-West Helena$2,066$2,752$1,676
Kansas66115Kansas City$2,066$3,388$1,466
South Carolina29933Miley$2,056$2,288$1,633
Mississippi39086Hermanville$2,036$2,664$1,781
New Mexico87121Albuquerque$2,030$2,549$1,584
Alabama35208Birmingham$1,991$2,563$1,374
Utah84180Salt Lake City$1,910$2,618$989
Nebraska68110Omaha$1,904$2,436$1,613
Alaska99504Anchorage$1,877$2,220$1,381
North Carolina28212Charlotte$1,867$2,870$973
Wyoming82725Recluse$1,844$2,755$1,072
North Dakota58538Fort Yates$1,793$2,651$1,349
Hawaii96781Papaikou$1,773$2,646$1,066
Indiana46409Gary$1,695$2,234$1,070
Iowa51503Council Bluffs$1,635$2,165$1,071
Ohio43224Columbus$1,524$2,234$744
Vermont05060Randolph$1,452$2,253$828
Virginia22312Alexandria$1,425$2,347$1,121
Idaho83536Kamiah$1,415$2,386$919
New Hampshire03104Manchester$1,294$2,285$870
Maine04686Wesley$1,186$1,669$658

Cheapest car insurance rates by ZIP code

Below we compare auto insurance rates by ZIP codes in each state to show the cheapest neighborhoods for car insurance.

Least expensive ZIP code
State ZIP Code City Average Rate Highest Rate Lowest Rate
Maine04735Bridgewater$993$1,666$608
New Hampshire03766Lebanon$995$1,796$664
Ohio45885St. Marys$995$1,530$596
Virginia24060Blacksburg$1,005$1,709$771
Wisconsin54952Menasha$1,080$1,598$614
Massachusetts02554Nantucket$1,114$1,554$546
Indiana46711Berne$1,124$1,784$720
Idaho83716Boise City$1,138$1,815$779
Iowa50014Ames$1,149$1,809$872
North Carolina28715Candler$1,196$1,747$861
Tennessee37604Johnson City$1,223$1,745$906
Alaska99820Angoon$1,259$1,744$1,022
Nebraska68512Lincoln$1,275$1,743$972
Illinois61761Normal$1,283$2,262$806
Oregon97401Eugene$1,287$1,966$870
New York14830Corning$1,298$1,718$1,028
Arizona86403Lake Havasu City$1,299$1,983$748
Utah84720Cedar City$1,325$1,694$977
North Dakota58104Fargo$1,334$2,344$955
Washington99163Pullman$1,344$1,729$1,027
Pennsylvania16801Houserville$1,346$2,068$785
Vermont05404Winooski$1,349$2,092$812
Hawaii96703Anahola$1,362$1,989$901
West Virginia25401Martinsburg$1,373$2,264$1,078
Minnesota56088Truman$1,374$1,991$1,039
South Carolina29691Walhalla$1,378$1,817$986
New Mexico88310Alamogordo$1,396$2,184$993
Mississippi39759Mississippi State$1,409$2,221$1,022
South Dakota57201Watertown$1,413$2,143$1,074
Maryland21767Maugansville$1,430$2,086$1,094
Georgia31605Valdosta$1,464$2,178$1,010
Kansas66030Gardner$1,495$2,014$1,130
Arkansas72745Cave Springs$1,524$2,232$1,036
Colorado81505Grand Junction$1,524$2,084$1,036
Texas76909San Angelo$1,524$2,582$1,185
Alabama36352Newton$1,532$2,034$1,080
California96067Mount Shasta$1,536$1,932$1,070
Missouri65536Lebanon$1,549$1,813$1,130
Nevada89835Wells$1,587$2,212$1,174
Rhode Island02840Newport$1,587$2,096$763
Delaware19930Bethany Beach$1,604$3,042$1,034
Oklahoma73552Indiahoma$1,629$2,250$1,127
Kentucky41075Fort Thomas$1,645$2,601$1,002
Florida32612Gainesville$1,658$2,499$862
New Jersey08720Allenwood$1,668$2,847$1,060
Wyoming82324Elk Mountain$1,692$2,510$944
Montana59635East Helena$1,727$2,521$1,111
Connecticut06340Conning Towers Nautilus Park$1,774$2,710$689
Louisiana71075Cullen$1,983$2,664$1,656
DC20001Washington$2,164$3,773$1,042
Michigan49126Sodus$2,437$4,357$1,062

Compare auto insurance rates by ZIP code in your state

Suppose you want to see what you can expect to pay in your city or town for your desired coverage level. You can do this using our average rate tool on this page. However, for deeper details on how car insurance costs compare, our state car insurance guides offer a more granular rate analysis.

For instance, you can research California car insurance rates by ZIP code on the California auto insurance page. You also find rates by coverage level and company.

Even if you live in a pricier state for car insurance such as Florida, explore how much you can expect to save by comparison shopping. In addition to comparing Florida car insurance rates by ZIP code, you’ll see which companies have the lowest rates.

See what you can expect to pay in your city or town for your desired coverage level using our average rate tool on this page.

Find your state below and click on it to see car insurance rates by ZIP code:

  1. Alabama
  2. Alaska
  3. Arizona
  4. Arkansas
  5. California
  6. Colorado
  7. Connecticut
  8. Delaware
  9. Florida
  10. Georgia
  11. Hawaii
  12. Idaho
  13. Illinois
  14. Indiana
  15. Iowa
  16. Kansas
  17. Kentucky
  18. Louisiana
  19. Maine
  20. Maryland
  21. Massachusetts
  22. Michigan
  23. Minnesota
  24. Mississippi
  25. Missouri
  26. Montana
  27. Nebraska
  28. Nevada
  29. New Hampshire
  30. New Jersey
  31. New Mexico
  32. New York
  33. North Carolina
  34. North Dakota
  35. Ohio
  36. Oklahoma
  37. Oregon
  38. Pennsylvania
  39. Rhode Island
  40. South Carolina
  41. South Dakota
  42. Tennessee
  43. Texas
  44. Utah
  45. Vermont
  46. Virginia
  47. Washington
  48. Washington, D.C.
  49. West Virginia
  50. Wisconsin
  51. Wyoming

Average car insurance cost by coverage level

Experts suggest getting as much coverage as possible when purchasing car insurance. State minimum car insurance is required to drive legally but rarely provides adequate financial protection. Also, buying state minimum levels provides only liability insurance and any damage to your car would not be covered.

Here is the average cost of car insurance for three coverage levels:

The average cost of car insurance for three coverage levels
RateState Minimum50/100/50100/300/100
Average Rate$574$644$1,758
Monthly Average Rate$48$54$147

Based on CarInsurance.com’s rate analysis, you pay:

  • $70 (about $6 monthly) more a year to bump coverage to 50/100/50 from the state minimum
  • $1,184 ($99 monthly) more a year to bump coverage to 100/300/100 from the state minimum
National average rate full coverage
Coverage Level2017 Average Rate2020 Average Rate$ Difference% Difference
State Minimum$552$574$224%
50/100/50$583$674$9116%
100/300/100$1,451$1,758$30722%

Comparing car insurance rates regularly makes you more likely to save money on coverage over the long run.

When should I compare car insurance rates to get the best price?

Many factors affect car insurance rates. If those factors change, a different insurer could provide the cheapest policy.

CarInsurance.com advises comparing rates at times when your rates are likely to change significantly:

  • You buy a car
  • You add a teen driver to your policy
  • You marry or divorce
  • Your credit score changes
  • You buy a house or move
  • You are cited for a DUI, major violation or cause an accident

Methodology

CarInsurance.com commissioned Quadrant Information Services to report average auto insurance rates for a 2019 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 are based on 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 for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. Your rate depends on personal factors and your vehicle.

– Michelle Megna contributed to this story.

Laura Longero

Ask the Insurance Expert

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.