Average Car Insurance Costs for 2019
It’s always wise to compare car insurance rates because the price of a policy can differ by hundreds of dollars. That's because car insurance companies use different formulas when deciding how much you pay. This means you could wind up paying a lot more than you need to if you don’t shop around for the lowest price.
Use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the "Start Shopping Now" button above.
Compare car insurance rates to save money on the cost of car insurance
Our average car insurance rates tool above shows you the highest and lowest rate for your ZIP code. The difference is what you can save if you shop around for coverage. To make it easier for you to see the potential savings, we've done the math for you.
In the table below, you'll see 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.
Key findings reveal that:
- the average savings nationwide after comparing car insurance quotes $1,127 a year
- the average percentage savings after comparing car insurance quotes is 138 percent a year
The states where drivers can save the most, on average per year, by comparing car insurance quotes are:
- Michigan –$3,012
- Pennsylvania –$2,497
- D.C. –$2,180
- Wisconsin –$2,111
- Kentucky – $2,014
States where drivers save the least, on average, are:
- Alaska -- $353
- Virginia -- $450
- South Carolina -- $498
- Washington -- $504
- Minnesota -- $618
| State | Average annual rate | Average highest rate | Average lowest rate | Average $ savings | Average % savings |
|---|---|---|---|---|---|
| Michigan | $2,490 | $4,025 | $1,013 | $3,012 | 297% |
| Pennsylvania | $1,532 | $3,183 | $686 | $2,497 | 364% |
| DC | $1,722 | $2,876 | $696 | $2,180 | 313% |
| Wisconsin | $1,327 | $2,743 | $632 | $2,111 | 334% |
| Kentucky | $1,771 | $2,894 | $880 | $2,014 | 229% |
| New York | $1,782 | $2,893 | $992 | $1,901 | 192% |
| North Dakota | $1,311 | $2,560 | $743 | $1,817 | 245% |
| Connecticut | $1,775 | $2,564 | $924 | $1,640 | 177% |
| Oklahoma | $1,655 | $2,593 | $1,006 | $1,587 | 158% |
| Louisiana | $2,190 | $2,984 | $1,445 | $1,539 | 107% |
| Florida | $1,835 | $2,698 | $1,179 | $1,519 | 129% |
| Hawaii | $1,458 | $2,376 | $857 | $1,519 | 177% |
| Delaware | $1,655 | $2,422 | $1,107 | $1,315 | 119% |
| Rhode Island | $1,693 | $2,362 | $1,106 | $1,256 | 114% |
| Maryland | $1,396 | $2,223 | $1,071 | $1,152 | 108% |
| New Jersey | $1,353 | $1,887 | $745 | $1,142 | 153% |
| Alabama | $1,313 | $1,895 | $771 | $1,124 | 146% |
| Missouri | $1,158 | $1,805 | $705 | $1,100 | 156% |
| Colorado | $1,435 | $1,958 | $863 | $1,095 | 127% |
| Tennessee | $1,223 | $1,838 | $744 | $1,094 | 147% |
| California | $1,527 | $2,033 | $942 | $1,091 | 116% |
| Mississippi | $1,330 | $1,960 | $871 | $1,089 | 125% |
| New Mexico | $1,257 | $1,946 | $870 | $1,076 | 124% |
| Texas | $1,308 | $1,947 | $889 | $1,058 | 119% |
| Georgia | $1,348 | $1,795 | $740 | $1,055 | 143% |
| Kansas | $1,245 | $1,794 | $766 | $1,028 | 134% |
| New Hampshire | $1,102 | $1,583 | $557 | $1,026 | 184% |
| Nevada | $1,750 | $2,284 | $1,279 | $1,005 | 79% |
| Iowa | $1,024 | $1,625 | $630 | $995 | 158% |
| Utah | $1,212 | $1,591 | $653 | $938 | 144% |
| Arizona | $1,353 | $1,834 | $918 | $916 | 100% |
| Massachusetts | $1,191 | $1,757 | $851 | $906 | 106% |
| Montana | $1,224 | $1,753 | $848 | $905 | 107% |
| Indiana | $965 | $1,553 | $650 | $903 | 139% |
| Idaho | $946 | $1,581 | $694 | $887 | 128% |
| Arkansas | $1,383 | $1,849 | $964 | $885 | 92% |
| South Dakota | $1,052 | $1,548 | $685 | $863 | 126% |
| West Virginia | $1,387 | $1,921 | $1,110 | $811 | 73% |
| Illinois | $1,009 | $1,393 | $593 | $800 | 135% |
| Vermont | $967 | $1,269 | $472 | $797 | 169% |
| Oregon | $1,292 | $1,732 | $944 | $788 | 83% |
| Nebraska | $1,117 | $1,481 | $697 | $784 | 112% |
| Wyoming | $1,472 | $1,830 | $1,126 | $704 | 63% |
| Maine | $920 | $1,203 | $503 | $700 | 139% |
| Ohio | $957 | $1,312 | $626 | $686 | 110% |
| North Carolina | $963 | $1,241 | $620 | $621 | 100% |
| Minnesota | $1,200 | $1,517 | $899 | $618 | 69% |
| Washington | $1,197 | $1,498 | $994 | $504 | 51% |
| South Carolina | $1,263 | $1,528 | $1,030 | $498 | 48% |
| Virginia | $979 | $1,192 | $742 | $450 | 61% |
| Alaska | $1,114 | $1,305 | $952 | $353 | 37% |
Methodology: CarInsurance.com commissioned Quadrant Information Services in 2017 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). The average state rate is comprised by averaging premiums for male and female drivers, age 40, male who commute 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 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.
Average car insurance rates by coverage level
When deciding how much coverage to buy, the best advice is to get as much as you can afford. State minimum car insurance is required to drive legally, but rarely provides enough financial protection to prevent you from paying out-of-pocket for even relatively minor accidents that you cause.
Also, buying state minimum levels of insurance means you are getting a policy that only has liability insurance. Any damage to your own car is not covered under liability car insurance. The good news is that boosting your liability limits is usually super cheap. And, buying “full coverage,” a policy with comprehensive insurance and collision coverage, typically doesn’t cost that much more than bare-bones coverage.
Based on CarInsurance.com’s rate analysis, you pay:
- $28 (about $2 monthly) more a year to bump coverage to 50/100/50 from state minimum
- $817 ($68 monthly) more a year to bump coverage to 100/300/100 from state minimum
For example, listed below is the average cost of car insurance for three coverage levels, as follows:
- State minimum, this varies by state, and many states have super low limits, but a typical amount is $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 for 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, which cover 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)
| State minimum | 50/100/50 | 100/300/100 | |
|---|---|---|---|
| Average rate | $538 | $566 | $1,355 |
| Monthly average rate | $45 | $47 | $113 |
When should I compare car insurance rates to get the best price?
Many factors affect your car insurance rates, and if any of them changed, it’s possible that the cheapest policy will come from a different insurer.
CarInsurance.com Consumer Analyst Penny Gusner says you should compare car insurance rates at these times, when your rates are likely to change significantly:
- You bought a car
- You added a teen driver to your policy
- You got married or divorced
- Your credit score changed
- You bought a house or moved
- You got cited for a DUI or major violation or caused an accident
Even if your status remains the same, you should do some car insurance shopping every six or 12 months, says Gusner. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don’t have a life-changing event. That means you can wind up overpaying if you don’t compare insurance rates from several companies at least once a year. Some insurance companies may charge you a lot more after, say, a credit ding or speeding ticket, while others may charge you much less.
For example, CarInsurance.com data show the average driver with bad credit can potentially trim an average of about $1,000 from their yearly policy cost by comparing car insurance companies. Here's how rates compare for drivers with bad credit for a full coverage policy:
- Geico -- $2,084
- Nationwide -- $2,244
- Progressive -- $2,644
- Allstate -- $2,906
- State Farm -- $3,012
- Farmers -- $3,039
Another example -- speeding tickets. Here are how companies compared on full coverage rates after a minor speeding violation, according to CarInsurance.com data, showing an average savings of about $800:
- Geico -- $1,449
- State Farm -- $1,807
- Nationwide -- $1,900
- Progressive -- $1,916
- Farmers -- $2,146
- Allstate -- $2,239
Compare car insurance rates by ZIP code
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 in most states -- California is one exception. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. You'll see in the table below how much price varies among ZIP codes, and even within ZIP codes. If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run.
To find the least expensive ZIP code for car insurance in every state, see the table below.
| State | ZIP code | City | Avg. Annual Premium | Max. Annual Premium | Min. Annual Premium |
|---|---|---|---|---|---|
| Ohio | 43420 | Fremont | $804 | $1,122 | $541 |
| Ohio | 45828 | Coldwater | $804 | $1,102 | $570 |
| North Carolina | 28778 | Asheville | $813 | $1,034 | $544 |
| Illinois | 61761 | Normal | $818 | $1,168 | $517 |
| Virginia | 24060 | Blacksburg | $819 | $972 | $676 |
| Indiana | 47901 | Lafayette | $838 | $1,339 | $560 |
| Idaho | 83706 | Boise City | $855 | $1,406 | $625 |
| Maine | 04005 | Biddeford | $861 | $1,223 | $463 |
| Massachusetts | 02554 | Nantucket | $877 | $1,158 | $678 |
| Massachusetts | 02564 | Siasconset | $877 | $1,158 | $678 |
| Iowa | 50012 | Ames | $907 | $1,482 | $596 |
| South Dakota | 57201 | Watertown | $913 | $1,514 | $644 |
| Vermont | 05446 | Burlington | $914 | $1,158 | $486 |
| Vermont | 05403 | Burlington | $914 | $1,158 | $487 |
| Alaska | 99820 | Angoon | $937 | $1,155 | $834 |
| Nebraska | 68512 | Lincoln | $969 | $1,191 | $693 |
| Washington | 99136 | Hay | $987 | $1,208 | $838 |
| Missouri | 65109 | Jefferson City | $1,002 | $1,551 | $647 |
| Minnesota | 56088 | Truman | $1,003 | $1,299 | $804 |
| Arizona | 86403 | Lake Havasu City | $1,009 | $1,281 | $770 |
| New Hampshire | 03264 | Plymouth | $1,010 | $1,434 | $556 |
| Tennessee | 37692 | Unicoi | $1,019 | $1,518 | $676 |
| South Carolina | 29672 | Seneca | $1,051 | $1,359 | $808 |
| Georgia | 31632 | Hahira | $1,057 | $1,379 | $600 |
| California | 93441 | Los Olivos | $1,071 | $1,503 | $641 |
| Texas | 76901 | Grape Creek | $1,081 | $1,592 | $804 |
| Utah | 84721 | Cedar City | $1,086 | $1,402 | $674 |
| New Mexico | 88310 | Alamogordo | $1,092 | $1,823 | $776 |
| New York | 14830 | Corning | $1,094 | $1,574 | $690 |
| North Dakota | 58204 | Grand Forks | $1,099 | $2,042 | $703 |
| North Dakota | 58205 | Grand Forks | $1,099 | $2,044 | $703 |
| North Dakota | 58207 | Grand Forks | $1,099 | $2,044 | $703 |
| Oregon | 97330 | Corvallis | $1,106 | $1,549 | $791 |
| New Jersey | 07979 | Pottersville | $1,107 | $1,422 | $649 |
| Montana | 59635 | East Helena | $1,108 | $1,718 | $710 |
| Maryland | 21742 | Fountainhead-Orchard Hills | $1,111 | $1,709 | $893 |
| Kansas | 67117 | North Newton | $1,114 | $1,655 | $738 |
| Wisconsin | 54136 | Kimberly | $1,116 | $2,272 | $530 |
| Mississippi | 39759 | Sessums | $1,146 | $1,845 | $689 |
| Mississippi | 39762 | Starkville | $1,146 | $1,845 | $689 |
| Alabama | 36467 | Opp | $1,146 | $1,470 | $711 |
| Mississippi | 39743 | Crawford | $1,146 | $1,668 | $775 |
| Pennsylvania | 16801 | Boalsburg | $1,166 | $2,409 | $489 |
| Nevada | 89445 | Winnemucca | $1,175 | $1,665 | $905 |
| West Virginia | 25401 | Martinsburg | $1,184 | $1,645 | $942 |
| Colorado | 80521 | Fort Collins | $1,196 | $1,449 | $721 |
| Arkansas | 72719 | Centerton | $1,222 | $1,710 | $803 |
| Kentucky | 42301 | Owensboro | $1,244 | $2,017 | $773 |
| Rhode Island | 02835 | Jamestown | $1,254 | $1,537 | $939 |
| Hawaii | 96703 | Anahola | $1,261 | $2,026 | $780 |
| Hawaii | 96705 | Eleele | $1,261 | $2,026 | $780 |
| Hawaii | 96714 | Hanalei | $1,261 | $2,026 | $780 |
| Hawaii | 96716 | Hanapepe | $1,261 | $2,026 | $780 |
| Hawaii | 96722 | Princeville | $1,261 | $2,026 | $780 |
| Hawaii | 96741 | Kalaheo | $1,261 | $2,026 | $780 |
| Hawaii | 96746 | Kapaa | $1,261 | $2,026 | $780 |
| Hawaii | 96747 | Kaumakani | $1,261 | $2,026 | $780 |
| Hawaii | 96751 | Kealia | $1,261 | $2,026 | $780 |
| Hawaii | 96752 | Kekaha | $1,261 | $2,026 | $780 |
| Hawaii | 96754 | Kilauea | $1,261 | $2,026 | $780 |
| Hawaii | 96756 | Koloa | $1,261 | $2,026 | $780 |
| Hawaii | 96766 | Hanamaulu | $1,261 | $2,026 | $780 |
| Hawaii | 96769 | Makaweli | $1,261 | $2,026 | $780 |
| Hawaii | 96796 | Waimea | $1,261 | $2,026 | $780 |
| Delaware | 19944 | Fenwick Island | $1,353 | $1,917 | $959 |
| Wyoming | 82327 | Elk Mountain | $1,423 | $1,843 | $1,122 |
| Wyoming | 82334 | Sinclair | $1,423 | $1,843 | $1,122 |
| Wyoming | 82615 | Casper | $1,423 | $1,843 | $1,122 |
| Oklahoma | 73542 | Frederick | $1,437 | $2,048 | $830 |
| Florida | 32693 | Fanning Springs | $1,443 | $1,955 | $996 |
| Connecticut | 06475 | Fenwick | $1,541 | $2,259 | $844 |
| Louisiana | 71439 | Hornbeck | $1,671 | $2,046 | $1,123 |
| DC | 20001 | Washington | $1,704 | $2,913 | $713 |
| Michigan | 49418 | Grandville | $1,897 | $2,872 | $847 |
To find the most expensive ZIP code for car insurance in every state, see the table below.
| State | ZIP code | City | Avg. Annual Premium | Max. Annual Premium | Min. Annual Premium |
|---|---|---|---|---|---|
| Michigan | 48227 | Detroit | $7,415 | $15,851 | $2,634 |
| New York | 11212 | New York | $4,440 | $7,898 | $2,326 |
| Louisiana | 70117 | New Orleans | $3,747 | $4,495 | $2,629 |
| Florida | 33135 | Coral Gables | $3,310 | $5,710 | $1,500 |
| Pennsylvania | 19132 | Philadelphia | $3,189 | $6,451 | $1,373 |
| Nevada | 89101 | Las Vegas | $2,705 | $3,386 | $1,786 |
| Rhode Island | 02909 | Providence | $2,573 | $3,533 | $1,297 |
| California | 90010 | Los Angeles | $2,552 | $3,680 | $1,523 |
| Maryland | 21216 | Baltimore | $2,423 | $2,852 | $1,903 |
| Kentucky | 40827 | Essie | $2,405 | $4,353 | $1,082 |
| Connecticut | 06103 | Hartford | $2,361 | $3,534 | $1,249 |
| Connecticut | 06105 | Hartford | $2,361 | $3,534 | $1,249 |
| Connecticut | 06106 | Hartford | $2,361 | $3,534 | $1,249 |
| Connecticut | 06112 | Hartford | $2,361 | $3,534 | $1,249 |
| Connecticut | 06114 | Hartford | $2,361 | $3,534 | $1,249 |
| Connecticut | 06120 | Hartford | $2,361 | $3,534 | $1,249 |
| Wisconsin | 53206 | Milwaukee | $2,203 | $4,886 | $1,077 |
| Massachusetts | 02119 | Boston | $2,074 | $3,477 | $950 |
| Massachusetts | 02120 | Boston | $2,074 | $3,477 | $950 |
| Massachusetts | 02121 | Boston | $2,074 | $3,477 | $950 |
| Oklahoma | 74103 | Tulsa | $2,058 | $3,764 | $1,110 |
| Oklahoma | 74106 | Tulsa | $2,058 | $3,433 | $1,300 |
| Delaware | 19801 | Wilmington | $2,051 | $2,781 | $1,416 |
| New Jersey | 07102 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07103 | East Orange | $1,987 | $2,734 | $1,080 |
| New Jersey | 07104 | Belleville | $1,987 | $2,734 | $1,080 |
| New Jersey | 07105 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07106 | East Orange | $1,987 | $2,734 | $1,080 |
| New Jersey | 07107 | Belleville | $1,987 | $2,734 | $1,080 |
| New Jersey | 07108 | Irvington | $1,987 | $2,734 | $1,080 |
| New Jersey | 07111 | Irvington | $1,987 | $2,734 | $1,080 |
| New Jersey | 07112 | Irvington | $1,987 | $2,734 | $1,080 |
| New Jersey | 07114 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07175 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07184 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07188 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07189 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07191 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07192 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07193 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07195 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07198 | Newark | $1,987 | $2,734 | $1,080 |
| New Jersey | 07199 | Newark | $1,987 | $2,734 | $1,080 |
| Arizona | 85017 | Phoenix | $1,984 | $2,554 | $1,364 |
| Missouri | 63147 | Saint Louis | $1,856 | $2,960 | $1,064 |
| Georgia | 30310 | Atlanta | $1,832 | $2,300 | $977 |
| Texas | 75242 | Dallas | $1,780 | $2,937 | $1,072 |
| West Virginia | 25671 | Dingess | $1,735 | $2,409 | $1,366 |
| West Virginia | 25685 | Naugatuck | $1,735 | $2,409 | $1,366 |
| West Virginia | 25690 | Ragland | $1,735 | $2,409 | $1,366 |
| DC | 20002 | Washington | $1,724 | $2,913 | $713 |
| DC | 20003 | Washington | $1,724 | $2,913 | $713 |
| DC | 20004 | Washington | $1,724 | $2,913 | $713 |
| DC | 20005 | Washington | $1,724 | $2,913 | $713 |
| DC | 20006 | Washington | $1,724 | $2,913 | $713 |
| DC | 20007 | Washington | $1,724 | $2,913 | $713 |
| DC | 20008 | Washington | $1,724 | $2,913 | $713 |
| DC | 20009 | Washington | $1,724 | $2,913 | $713 |
| DC | 20010 | Washington | $1,724 | $2,913 | $713 |
| DC | 20011 | Washington | $1,724 | $2,913 | $713 |
| DC | 20012 | Washington | $1,724 | $2,913 | $713 |
| DC | 20015 | Washington | $1,724 | $2,913 | $713 |
| DC | 20016 | Washington | $1,724 | $2,913 | $713 |
| DC | 20017 | Washington | $1,724 | $2,913 | $713 |
| DC | 20018 | Washington | $1,724 | $2,913 | $713 |
| DC | 20019 | Washington | $1,724 | $2,913 | $713 |
| DC | 20020 | Washington | $1,724 | $2,913 | $713 |
| DC | 20024 | Fort Lesley J Mcnair | $1,724 | $2,913 | $713 |
| DC | 20026 | Washington | $1,724 | $2,913 | $713 |
| DC | 20032 | Bolling Air Force Base | $1,724 | $2,913 | $713 |
| DC | 20036 | Washington | $1,724 | $2,913 | $713 |
| DC | 20037 | Washington | $1,724 | $2,913 | $713 |
| DC | 20045 | Washington | $1,724 | $2,913 | $713 |
| DC | 20052 | Washington | $1,724 | $2,913 | $713 |
| DC | 20057 | Washington | $1,724 | $2,913 | $713 |
| DC | 20059 | Washington | $1,724 | $2,913 | $713 |
| DC | 20064 | Washington | $1,724 | $2,913 | $713 |
| DC | 20260 | Washington | $1,724 | $2,913 | $713 |
| DC | 20374 | Washington | $1,724 | $2,913 | $713 |
| DC | 20376 | Washington | $1,724 | $2,913 | $713 |
| DC | 20388 | Washington | $1,724 | $2,913 | $713 |
| DC | 20391 | Washington | $1,724 | $2,913 | $713 |
| DC | 20398 | Washington | $1,724 | $2,913 | $713 |
| DC | 20500 | Washington | $1,724 | $2,913 | $713 |
| Illinois | 60636 | Chicago | $1,693 | $2,479 | $976 |
| Colorado | 80219 | Denver | $1,680 | $2,272 | $949 |
| Minnesota | 55103 | Saint Paul | $1,678 | $2,133 | $1,217 |
| Tennessee | 38132 | Memphis | $1,668 | $2,521 | $986 |
| Oregon | 97266 | Portland | $1,662 | $2,018 | $1,274 |
| Hawaii | 96704 | Captain Cook | $1,619 | $2,680 | $958 |
| Hawaii | 96710 | Hakalau | $1,619 | $2,680 | $958 |
| Hawaii | 96718 | Hawaii National Park | $1,619 | $2,680 | $958 |
| Hawaii | 96719 | Hawi | $1,619 | $2,680 | $958 |
| Hawaii | 96720 | Hilo | $1,619 | $2,680 | $958 |
| Hawaii | 96725 | Honalo | $1,619 | $2,680 | $958 |
| Hawaii | 96726 | Honaunau | $1,619 | $2,680 | $958 |
| Hawaii | 96727 | Honokaa | $1,619 | $2,680 | $958 |
| Hawaii | 96728 | Honomu | $1,619 | $2,680 | $958 |
| Hawaii | 96737 | Hawaiian Ocean View | $1,619 | $2,680 | $958 |
| Hawaii | 96738 | Waikoloa | $1,619 | $2,680 | $958 |
| Hawaii | 96739 | Keauhou | $1,619 | $2,680 | $958 |
| Hawaii | 96740 | Holualoa | $1,619 | $2,680 | $958 |
| Hawaii | 96743 | Kamuela | $1,619 | $2,680 | $958 |
| Hawaii | 96749 | Hawaiian Paradise Park | $1,619 | $2,680 | $958 |
| Hawaii | 96750 | Kealakekua | $1,619 | $2,680 | $958 |
| Hawaii | 96755 | Halaula | $1,619 | $2,680 | $958 |
| Hawaii | 96760 | Hawaiian Acres | $1,619 | $2,680 | $958 |
| Hawaii | 96764 | Laupahoehoe | $1,619 | $2,680 | $958 |
| Hawaii | 96771 | Fern Acres | $1,619 | $2,680 | $958 |
| Hawaii | 96772 | Naalehu | $1,619 | $2,680 | $958 |
| Hawaii | 96773 | Ninole | $1,619 | $2,680 | $958 |
| Hawaii | 96774 | Ookala | $1,619 | $2,680 | $958 |
| Hawaii | 96776 | Paauilo | $1,619 | $2,680 | $958 |
| Hawaii | 96777 | Pahala | $1,619 | $2,680 | $958 |
| Hawaii | 96778 | Ainaloa | $1,619 | $2,680 | $958 |
| Hawaii | 96780 | Papaaloa | $1,619 | $2,680 | $958 |
| Hawaii | 96781 | Papaikou | $1,619 | $2,680 | $958 |
| Hawaii | 96783 | Pepeekeo | $1,619 | $2,680 | $958 |
| Mississippi | 39086 | Hermanville | $1,591 | $2,235 | $1,118 |
| Arkansas | 72342 | Helena-West Helena | $1,590 | $1,987 | $1,216 |
| Washington | 98404 | Midland | $1,589 | $1,933 | $1,371 |
| Kansas | 66115 | Kansas City | $1,577 | $2,489 | $899 |
| Wyoming | 82222 | Lance Creek | $1,565 | $2,032 | $1,125 |
| Wyoming | 82701 | Newcastle | $1,565 | $2,032 | $1,125 |
| Wyoming | 82710 | Aladdin | $1,565 | $2,032 | $1,125 |
| Wyoming | 82711 | Alva | $1,565 | $2,032 | $1,125 |
| Wyoming | 82712 | Beulah | $1,565 | $2,032 | $1,125 |
| Wyoming | 82714 | Devils Tower | $1,565 | $2,032 | $1,125 |
| Wyoming | 82715 | Four Corners | $1,565 | $2,032 | $1,125 |
| Wyoming | 82720 | Hulett | $1,565 | $2,032 | $1,125 |
| Wyoming | 82721 | Carlile | $1,565 | $2,032 | $1,125 |
| Wyoming | 82723 | Osage | $1,565 | $2,032 | $1,125 |
| Wyoming | 82729 | Sundance | $1,565 | $2,032 | $1,125 |
| Wyoming | 82730 | Upton | $1,565 | $2,032 | $1,125 |
| Alabama | 35208 | Birmingham | $1,542 | $2,271 | $880 |
| South Carolina | 29810 | Allendale | $1,537 | $1,837 | $1,270 |
| New Mexico | 87121 | Albuquerque | $1,518 | $2,146 | $1,208 |
| North Dakota | 58538 | Fort Yates | $1,498 | $2,934 | $785 |
| Utah | 84104 | Salt Lake City | $1,425 | $1,790 | $766 |
| Nebraska | 68110 | Omaha | $1,423 | $1,792 | $1,139 |
| New Hampshire | 03841 | Hampstead | $1,371 | $1,993 | $616 |
| Alaska | 99504 | Anchorage | $1,331 | $1,497 | $1,140 |
| Montana | 59926 | Martin City | $1,318 | $1,907 | $822 |
| Montana | 59901 | Evergreen | $1,318 | $1,907 | $822 |
| Montana | 59912 | Columbia Falls | $1,318 | $1,907 | $822 |
| South Dakota | 57551 | Martin | $1,293 | $1,585 | $960 |
| Indiana | 46402 | Gary | $1,274 | $1,664 | $825 |
| Ohio | 44504 | Youngstown | $1,242 | $1,881 | $804 |
| North Carolina | 28310 | Fort Bragg | $1,237 | $1,629 | $802 |
| Iowa | 51501 | Council Bluffs | $1,178 | $1,747 | $772 |
| Virginia | 22312 | Alexandria | $1,165 | $1,443 | $829 |
| Idaho | 83536 | Kamiah | $1,031 | $1,782 | $716 |
| Maine | 04549 | Boothbay | $1,024 | $1,384 | $564 |
| Vermont | 05079 | Vershire | $1,000 | $1,306 | $474 |
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 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.