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.
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COVERAGE TYPES
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*Please enter valid Zip
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 $56/mo.
lowest rate Lowest Rate $26/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
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

Key Highlights
  • 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.

Expert Advice
Michael DeLong Research and Advocacy Associate Consumer Federation of America
Michael DeLong
Research and Advocacy Associate
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.

Tip iconKey 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:

  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:

  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 Average Highest Rate Average Lowest Rate Average $ Savings Average % Savings
Michigan$3,141$5,899$1,062$4,837455%
Kentucky$2,368$3,749$944$2,805297%
DC$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%
Soutn 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%

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

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
Tip iconExpert's Tip

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

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.

Least expensive ZIP code
State ZIP Code City Average Annual 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

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 Annual 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

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.