- Compare car insurance rates by ZIP code to save money on the cost of car insurance
- Average Car Insurance Rates by Coverage Level
- When Should I Compare Car Insurance Rates to Get the Best Price?
- Compare car insurance rates by ZIP Code: Most and least expensive by state
- How We Calculated Our Average Rates by ZIP Code?
- How to Find Average Rates by ZIP Code for your State?
EXPERT REVIEWED
by Ashlee Tilford
Find average car insurance rates by ZIP code using our car insurance Zip code calculator below. The calculator shows the highest and lowest rates from up to six major insurers for the same policy.
Car insurance companies use different formulas to decide how much you pay, which is why the cost for coverage can vary significantly among carriers. Therefore, the difference between the highest and lowest rate is the amount you could save by shopping around for the lowest price.
For a customized rate, select from six age groups and three coverage levels, and enter your gender. Get rolling by clicking the "Start Shopping" button below.
California Car Insurance Rates by ZIP Code
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
Highest Rate
$56/mo.
Lowest Rate
$26/mo.| MOST EXPENSIVE PER MONTH |
|---|
| 91205 - Glendale: $91 |
| 90038 - Los Angeles: $91 |
| 90212 - Beverly Hills: $91 |
| 91203 - Glendale: $90 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 96107 - Coleville: $33 |
| 93513 - Big Pine: $34 |
| 96093 - Weaverville: $34 |
| 96027 - Etna: $34 |
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender 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.
- Car insurance companies use unique formulas to determine rates, resulting in the average cost of car insurance differing significantly between carriers.
- Our tool for calculating average auto insurance rates by ZIP code helps determine the best value for you.
- If you're considering a move, our tool can help you calculate which ZIP code is cheaper for car insurance.
- Shopping around for the best car insurance may save you up to 178% each year.
Compare car insurance rates by ZIP code to save money on the cost of car insurance
Comparing car insurance rates is smoother if you first compile information based on your specific situation, including location.
In fact, according to Michael DeLong, research and advocacy associate for the Consumer Federation of America (CFA), insurance rates are based on several non-driving related factors.
These include:
- Zip code
- Credit score
- Education
- Occupation
- Marital status
- Renter status
While basing insurance rates on some of these non-driving related factors may be considered 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.
Consumer Federation of America (CFA)
DeLong advises drivers to "call their insurer, tell them that they are driving less because of the COVID-19 pandemic, and demand lower rates because they are less risky. They can work to improve their credit score, although this takes significant time and effort. Consumers can also look for discounts or take defensive driving courses."
DeLong stresses the importance of shopping around to compare quotes from several different auto insurers.
"Taking an hour or two and looking at policies from insurers is well worth your time,” he adds. “In some cases, it could save you hundreds of dollars per year, or even more."
Toward this goal, CarInsurance.com assembles information to help you compare rates.
Our tool above compares auto insurance rates by ZIP code, possibly resulting in significant savings. CarInsurance also encourages reading our guide on how to estimate car insurance, which includes accounting for the amount of coverage you need, your age and location, among other factors. To make the potential savings clearer, we've done the math for you.
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.
Key Findings- The average savings nationwide for a full coverage policy is $1,647 a year
- The average percentage of savings is 178% annually
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:
- Michigan---$4,837
- Kentucky--$2,805
- Washington D.C.--$2,731
- Delaware--$2,718
- New Jersey--$2,579
States where drivers save the least, on average:
- Alaska--$972
- Nebraska--$974
- Missouri--$1,026
- Utah--$1,077
- Iowa--$1,114
| State | Average Rate | Average Highest Rate | Average Lowest Rate | Average $ Savings | Average % Savings |
|---|---|---|---|---|---|
| Michigan | $3,141 | $5,899 | $1,062 | $4,837 | 455% |
| Kentucky | $2,368 | $3,749 | $944 | $2,805 | 297% |
| DC | $2,188 | $3,773 | $1,042 | $2,731 | 262% |
| Delaware | $1,921 | $3,738 | $1,020 | $2,718 | 266% |
| New Jersey | $1,993 | $3,569 | $990 | $2,579 | 261% |
| Nevada | $2,402 | $3,626 | $1,154 | $2,472 | 214% |
| Connecticut | $2,036 | $3,029 | $689 | $2,340 | 340% |
| Florida | $2,162 | $3,079 | $850 | $2,229 | 262% |
| Rhode Island | $2,040 | $2,992 | $763 | $2,229 | 292% |
| Texas | $1,823 | $3,065 | $997 | $2,068 | 207% |
| Arizona | $1,783 | $2,742 | $702 | $2,040 | 291% |
| New York | $2,062 | $2,799 | $824 | $1,975 | 240% |
| Louisiana | $2,601 | $3,345 | $1,429 | $1,916 | 134% |
| Illinois | $1,538 | $2,632 | $763 | $1,869 | 245% |
| Georgia | $1,865 | $2,724 | $1,010 | $1,714 | 170% |
| Pennsylvania | $1,700 | $2,496 | $785 | $1,711 | 218% |
| Wyoming | $1,782 | $2,547 | $944 | $1,603 | 170% |
| Colorado | $1,948 | $2,631 | $1,036 | $1,595 | 154% |
| Massachusetts | $1,466 | $2,134 | $546 | $1,588 | 291% |
| California | $2,125 | $2,593 | $1,052 | $1,541 | 146% |
| Oregon | $1,496 | $2,362 | $837 | $1,525 | 182% |
| Maryland | $1,816 | $2,558 | $1,044 | $1,514 | 145% |
| West Virginia | $1,654 | $2,576 | $1,064 | $1,512 | 142% |
| Montana | $1,963 | $2,605 | $1,111 | $1,494 | 134% |
| Hawaii | $1,589 | $2,321 | $890 | $1,431 | 161% |
| Arkansas | $1,763 | $2,447 | $1,036 | $1,411 | 136% |
| Idaho | $1,285 | $2,078 | $673 | $1,405 | 209% |
| Vermont | $1,410 | $2,212 | $812 | $1,400 | 172% |
| New Mexico | $1,604 | $2,334 | $951 | $1,383 | 145% |
| North Dakota | $1,577 | $2,324 | $949 | $1,375 | 145% |
| New Hampshire | $1,086 | $1,999 | $664 | $1,335 | 201% |
| Mississippi | $1,684 | $2,353 | $1,022 | $1,331 | 130% |
| North Carolina | $1,425 | $2,064 | $767 | $1,297 | 169% |
| Washington | $1,620 | $2,248 | $962 | $1,286 | 134% |
| Wisconsin | $1,335 | $1,890 | $605 | $1,285 | 212% |
| Alabama | $1,713 | $2,299 | $1,036 | $1,263 | 122% |
| Kansas | $1,689 | $2,347 | $1,085 | $1,262 | 116% |
| Minnesota | $1,619 | $2,262 | $1,013 | $1,249 | 123% |
| Oklahoma | $1,815 | $2,376 | $1,127 | $1,249 | 111% |
| Ohio | $1,191 | $1,781 | $537 | $1,244 | 232% |
| Indiana | $1,266 | $1,894 | $672 | $1,222 | 182% |
| Virginia | $1,196 | $1,927 | $712 | $1,215 | 171% |
| Maine | $1,080 | $1,711 | $536 | $1,175 | 219% |
| South Dakota | $1,643 | $2,213 | $1,062 | $1,151 | 108% |
| Soutn Carolina | $1,653 | $2,118 | $986 | $1,132 | 115% |
| Tennessee | $1,493 | $2,028 | $906 | $1,122 | 124% |
| Iowa | $1,352 | $1,955 | $841 | $1,114 | 132% |
| Utah | $1,492 | $1,877 | $800 | $1,077 | 135% |
| Missouri | $1,798 | $2,152 | $1,126 | $1,026 | 91% |
| Nebraska | $1,500 | $1,946 | $972 | $974 | 100% |
| Alaska | $1,560 | $1,994 | $1,022 | $972 | 95% |
| National average | $1,758 | $2,557 | $910 | $1,647 | 178% |
The average state rate is comprised by averaging premiums for a 2019 Honda Accord, male driver age 30, 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 average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. 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. Slight differences in some averages are due to rounding rates.
Average Car Insurance Rates by Coverage Level
Experts suggest getting as much coverage as you can afford 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 own car would not be covered.
The good news? Boosting liability limits is usually markedly cheaper. And, buying "full coverage," a policy with comprehensive insurance and collision coverage, typically doesn't cost much more than bare-bones coverage.
Here is the average cost of car insurance for three coverage levels:
- State minimum. Varies by state, and many states have remarkably low limits. However, a typical amount covers $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25)
- Liability limits of $50,000. Covers injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50)
- Full coverage with comprehensive and collision. Takes care of damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100)
| Rate | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| 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 state minimum
- $1,184 ($99 monthly) more a year to bump coverage to 100/300/100 from state minimum
| Coverage Level | 2017 Average Rate | 2020 Average Rate | $ Difference | % Difference |
|---|---|---|---|---|
| State Minimum | $552 | $574 | $22 | 4% |
| 50/100/50 | $583 | $674 | $91 | 16% |
| 100/300/100 | $1,451 | $1,758 | $307 | 22% |
When Should I Compare Car Insurance Rates to Get the Best Price?
Many factors affect car insurance rates. If any of those factors change, the cheapest policy could be provided by a different insurer.
CarInsurance.com Senior Consumer Analyst Penny Gusner advises comparing car insurance 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
Expert's TipMany factors affect car insurance rates. If any of those factors change, the cheapest policy could be provided by a different insurer.
CarInsurance.com Senior Consumer Analyst Penny Gusner advises comparing car insurance 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
Compare car insurance rates by ZIP Code: Most and least expensive by state
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 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 how insurers calculate the premium base rate in most states; California is one exception.
Other pricing factors, such as your driving record, type of car you drive and age are added to the calculation.
Below we compare auto insurance rates by ZIP codes in each state to show the most and least expensive neighborhoods for car insurance.
| State | ZIP Code | City | Average Annual Rate | Highest Rate | Lowest Rate |
|---|---|---|---|---|---|
| Maine | 04735 | Bridgewater | $993 | $1,666 | $608 |
| New Hampshire | 03766 | Lebanon | $995 | $1,796 | $664 |
| Ohio | 45885 | St. Marys | $995 | $1,530 | $596 |
| Virginia | 24060 | Blacksburg | $1,005 | $1,709 | $771 |
| Wisconsin | 54952 | Menasha | $1,080 | $1,598 | $614 |
| Massachusetts | 02554 | Nantucket | $1,114 | $1,554 | $546 |
| Indiana | 46711 | Berne | $1,124 | $1,784 | $720 |
| Idaho | 83716 | Boise City | $1,138 | $1,815 | $779 |
| Iowa | 50014 | Ames | $1,149 | $1,809 | $872 |
| North Carolina | 28715 | Candler | $1,196 | $1,747 | $861 |
| Tennessee | 37604 | Johnson City | $1,223 | $1,745 | $906 |
| Alaska | 99820 | Angoon | $1,259 | $1,744 | $1,022 |
| Nebraska | 68512 | Lincoln | $1,275 | $1,743 | $972 |
| Illinois | 61761 | Normal | $1,283 | $2,262 | $806 |
| Oregon | 97401 | Eugene | $1,287 | $1,966 | $870 |
| New York | 14830 | Corning | $1,298 | $1,718 | $1,028 |
| Arizona | 86403 | Lake Havasu City | $1,299 | $1,983 | $748 |
| Utah | 84720 | Cedar City | $1,325 | $1,694 | $977 |
| North Dakota | 58104 | Fargo | $1,334 | $2,344 | $955 |
| Washington | 99163 | Pullman | $1,344 | $1,729 | $1,027 |
| Pennsylvania | 16801 | Houserville | $1,346 | $2,068 | $785 |
| Vermont | 05404 | Winooski | $1,349 | $2,092 | $812 |
| Hawaii | 96703 | Anahola | $1,362 | $1,989 | $901 |
| West Virginia | 25401 | Martinsburg | $1,373 | $2,264 | $1,078 |
| Minnesota | 56088 | Truman | $1,374 | $1,991 | $1,039 |
| South Carolina | 29691 | Walhalla | $1,378 | $1,817 | $986 |
| New Mexico | 88310 | Alamogordo | $1,396 | $2,184 | $993 |
| Mississippi | 39759 | Mississippi State | $1,409 | $2,221 | $1,022 |
| South Dakota | 57201 | Watertown | $1,413 | $2,143 | $1,074 |
| Maryland | 21767 | Maugansville | $1,430 | $2,086 | $1,094 |
| Georgia | 31605 | Valdosta | $1,464 | $2,178 | $1,010 |
| Kansas | 66030 | Gardner | $1,495 | $2,014 | $1,130 |
| Arkansas | 72745 | Cave Springs | $1,524 | $2,232 | $1,036 |
| Colorado | 81505 | Grand Junction | $1,524 | $2,084 | $1,036 |
| Texas | 76909 | San Angelo | $1,524 | $2,582 | $1,185 |
| Alabama | 36352 | Newton | $1,532 | $2,034 | $1,080 |
| California | 96067 | Mount Shasta | $1,536 | $1,932 | $1,070 |
| Missouri | 65536 | Lebanon | $1,549 | $1,813 | $1,130 |
| Nevada | 89835 | Wells | $1,587 | $2,212 | $1,174 |
| Rhode Island | 02840 | Newport | $1,587 | $2,096 | $763 |
| Delaware | 19930 | Bethany Beach | $1,604 | $3,042 | $1,034 |
| Oklahoma | 73552 | Indiahoma | $1,629 | $2,250 | $1,127 |
| Kentucky | 41075 | Fort Thomas | $1,645 | $2,601 | $1,002 |
| Florida | 32612 | Gainesville | $1,658 | $2,499 | $862 |
| New Jersey | 08720 | Allenwood | $1,668 | $2,847 | $1,060 |
| Wyoming | 82324 | Elk Mountain | $1,692 | $2,510 | $944 |
| Montana | 59635 | East Helena | $1,727 | $2,521 | $1,111 |
| Connecticut | 06340 | Conning Towers Nautilus Park | $1,774 | $2,710 | $689 |
| Louisiana | 71075 | Cullen | $1,983 | $2,664 | $1,656 |
| DC | 20001 | Washington | $2,164 | $3,773 | $1,042 |
| Michigan | 49126 | Sodus | $2,437 | $4,357 | $1,062 |
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.
| State | ZIP Code | City | Average Annual Rate | Highest Rate | Lowest Rate |
|---|---|---|---|---|---|
| Michigan | 48226 | Detroit | $6,329 | $9,337 | $3,120 |
| New York | 11212 | New York | $5,703 | $9,172 | $3,123 |
| Louisiana | 70117 | New Orleans | $4,601 | $5,769 | $3,707 |
| Nevada | 89101 | Las Vegas | $3,768 | $5,983 | $1,873 |
| California | 91605 | North Hollywood | $3,767 | $5,082 | $2,946 |
| Pennsylvania | 19140 | Philadelphia | $3,710 | $5,304 | $2,464 |
| Maryland | 21216 | Baltimore | $3,443 | $4,209 | $2,729 |
| Kentucky | 40944 | Goose Rock | $3,435 | $5,748 | $1,690 |
| Florida | 33142 | Brownsville | $3,342 | $4,448 | $1,511 |
| New Jersey | 07111 | Irvington | $3,043 | $5,857 | $1,734 |
| Missouri | 63115 | St. Louis | $3,018 | $4,377 | $2,113 |
| Massachusetts | 02119 | Roxbury | $2,943 | $4,240 | $1,468 |
| Rhode Island | 02909 | Providence | $2,875 | $4,329 | $1,424 |
| Georgia | 30035 | Decatur | $2,777 | $3,942 | $1,789 |
| Illinois | 60624 | Chicago | $2,721 | $4,525 | $1,749 |
| Connecticut | 06101 | Hartford | $2,667 | $3,542 | $1,233 |
| Delaware | 19736 | Yorklyn | $2,646 | $4,463 | $1,357 |
| Arizona | 85017 | Phoenix | $2,595 | $3,752 | $1,189 |
| Texas | 75241 | Dallas | $2,447 | $4,419 | $1,792 |
| Colorado | 80219 | Denver | $2,421 | $3,327 | $1,733 |
| Wisconsin | 53206 | Milwaukee | $2,306 | $3,099 | $1,422 |
| Minnesota | 55411 | Minneapolis | $2,292 | $3,057 | $1,458 |
| DC | 20016 | Washington | $2,188 | $3,773 | $1,042 |
| Washington | 98108 | Boulevard Park | $2,149 | $3,070 | $1,534 |
| Oklahoma | 74110 | Tulsa | $2,146 | $2,538 | $1,718 |
| Montana | 59089 | Wyola | $2,142 | $2,853 | $1,287 |
| Tennessee | 38118 | Memphis | $2,120 | $2,806 | $1,505 |
| West Virginia | 25621 | Gilbert | $2,119 | $3,313 | $1,579 |
| Oregon | 97266 | Portland | $2,068 | $2,638 | $1,387 |
| South Dakota | 57756 | Manderson | $2,067 | $2,463 | $1,594 |
| Arkansas | 72342 | Helena-West Helena | $2,066 | $2,752 | $1,676 |
| Kansas | 66115 | Kansas City | $2,066 | $3,388 | $1,466 |
| South Carolina | 29933 | Miley | $2,056 | $2,288 | $1,633 |
| Mississippi | 39086 | Hermanville | $2,036 | $2,664 | $1,781 |
| New Mexico | 87121 | Albuquerque | $2,030 | $2,549 | $1,584 |
| Alabama | 35208 | Birmingham | $1,991 | $2,563 | $1,374 |
| Utah | 84180 | Salt Lake City | $1,910 | $2,618 | $989 |
| Nebraska | 68110 | Omaha | $1,904 | $2,436 | $1,613 |
| Alaska | 99504 | Anchorage | $1,877 | $2,220 | $1,381 |
| North Carolina | 28212 | Charlotte | $1,867 | $2,870 | $973 |
| Wyoming | 82725 | Recluse | $1,844 | $2,755 | $1,072 |
| North Dakota | 58538 | Fort Yates | $1,793 | $2,651 | $1,349 |
| Hawaii | 96781 | Papaikou | $1,773 | $2,646 | $1,066 |
| Indiana | 46409 | Gary | $1,695 | $2,234 | $1,070 |
| Iowa | 51503 | Council Bluffs | $1,635 | $2,165 | $1,071 |
| Ohio | 43224 | Columbus | $1,524 | $2,234 | $744 |
| Vermont | 05060 | Randolph | $1,452 | $2,253 | $828 |
| Virginia | 22312 | Alexandria | $1,425 | $2,347 | $1,121 |
| Idaho | 83536 | Kamiah | $1,415 | $2,386 | $919 |
| New Hampshire | 03104 | Manchester | $1,294 | $2,285 | $870 |
| Maine | 04686 | Wesley | $1,186 | $1,669 | $658 |
CarInsurance.com commissioned Quadrant Information Services to provide a report of 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 for the tables 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 own rate will depend on your personal factors and vehicle.
How We Calculated Our Average Rates by ZIP Code?
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 your personal factors and vehicle.
How to Find Average Rates by ZIP Code for 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 more granular rate analysis.
For instance, you can research California car insurance rates by ZIP code at our California Auto Insurance page, where you also find rates by coverage level and company, as well as advice on how much coverage to buy. 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 Florida car insurance rates by ZIP code, you'll see which companies have the lowest rates at Florida Car Insurance.
If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run.