CarInsurance.com Insights
- Drivers can save an average of $1,102 annually, or 52%, by comparing car insurance rates.
- 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.
- Use our car insurance rates by ZIP code calculator to get an estimate based on your location, age, gender and coverage limits.
Average car insurance rates vary widely because insurers use different data to determine costs. Along with your age and driving history, location plays a major role in pricing, and the gap between the highest and lowest rates can be substantial — making it important to shop around.
Louisiana drivers pay the most in the U.S., with an average annual premium of $4,180, followed by Florida, Washington, D.C., Nevada and Colorado.
Use our ZIP code calculator below to see the highest and lowest quotes from up to six major insurers for the same policy in your area.
CarInsurance.com’s ZIP code calculator
CarInsurance.com’s Rates By ZIP Code Calculator is backed by millions of insurance quotes and provides a clear, personalized estimate based on your location, age, driving history and more.
Enter your ZIP code, age, gender, and coverage level and click “Update rates.” In seconds, you’ll see what drivers like you are actually paying.
Here’s how to read your results:
- Average rate: This shows what drivers like you typically pay in your state or ZIP code.
- Low and high ranges: These illustrate how factors such as a clean record or past violations influence how much you pay for car insurance.
What your results mean:
- They help you budget for your car insurance premiums before buying a new car or renewing your policy.
- Lets you compare options with confidence, knowing what’s fair for your situation.
- Guides conversations with agents or insurers so you can shop smarter and avoid overpaying.
Calculate car insurance rates by ZIP code
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Compare rates to save money on car insurance in your state
Comparing car insurance rates can save you hundreds of dollars on your car insurance policy. In Nevada, the difference between the highest annual rate and the lowest annual rate is $3,152. In Texas, the difference is $1,483 and it’s even starker in Michigan, where the difference is $5,113.
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, see the highest average, average and lowest average annual car insurance rates in each state.
| State name | Highest average rate | Average rate | Lowest average rate |
|---|---|---|---|
| Alabama | $2,396 | $2,107 | $1,850 |
| Alaska | $2,558 | $2,215 | $1,811 |
| Arizona | $3,457 | $2,333 | $1,748 |
| Arkansas | $3,185 | $2,723 | $2,386 |
| California | $5,147 | $3,010 | $2,258 |
| Colorado | $3,960 | $3,222 | $2,394 |
| Connecticut | $3,954 | $2,726 | $2,253 |
| Delaware | $4,664 | $3,097 | $2,549 |
| Florida | $5,777 | $3,852 | $2,705 |
| Georgia | $4,169 | $2,739 | $1,918 |
| Hawaii | $1,857 | $1,721 | $1,533 |
| Idaho | $1,979 | $1,791 | $1,413 |
| Illinois | $3,191 | $1,901 | $1,533 |
| Indiana | $2,765 | $1,856 | $1,635 |
| Iowa | $2,782 | $2,228 | $1,806 |
| Kansas | $2,897 | $2,410 | $1,963 |
| Kentucky | $4,441 | $2,976 | $2,234 |
| Louisiana | $7,508 | $4,180 | $3,182 |
| Maine | $1,843 | $1,701 | $1,485 |
| Maryland | $4,282 | $2,273 | $1,749 |
| Massachusetts | $4,988 | $2,430 | $1,778 |
| Michigan | $7,548 | $3,146 | $2,435 |
| Minnesota | $3,559 | $2,561 | $2,128 |
| Mississippi | $3,027 | $2,455 | $2,035 |
| Missouri | $3,639 | $2,410 | $1,913 |
| Montana | $2,891 | $2,541 | $2,164 |
| Nebraska | $3,191 | $2,387 | $1,879 |
| Nevada | $5,325 | $3,284 | $2,173 |
| New Hampshire | $1,942 | $1,650 | $1,511 |
| New Jersey | $3,968 | $2,736 | $2,274 |
| New Mexico | $3,085 | $2,486 | $2,097 |
| New York | $7,933 | $2,898 | $1,764 |
| North Carolina | $3,366 | $2,587 | $2,039 |
| North Dakota | $2,336 | $2,079 | $1,687 |
| Ohio | $2,223 | $1,739 | $1,425 |
| Oklahoma | $3,142 | $2,705 | $2,363 |
| Oregon | $2,671 | $1,927 | $1,634 |
| Pennsylvania | $5,309 | $2,428 | $1,819 |
| Rhode Island | $3,960 | $2,706 | $1,957 |
| South Carolina | $2,927 | $2,367 | $1,944 |
| South Dakota | $3,576 | $2,635 | $2,163 |
| Tennessee | $3,204 | $2,214 | $1,590 |
| Texas | $3,661 | $2,631 | $2,178 |
| Utah | $2,679 | $2,250 | $2,014 |
| Vermont | $1,587 | $1,504 | $1,370 |
| Virginia | $2,483 | $1,837 | $1,506 |
| Washington | $2,887 | $2,175 | $1,806 |
| Washington, D.C. | $3,394 | $3,394 | $3,394 |
| West Virginia | $3,165 | $2,557 | $2,109 |
| Wisconsin | $3,099 | $2,026 | $1,576 |
| Wyoming | $2,056 | $1,984 | $1,877 |
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. Insurers assign ZIP codes to corresponding risk levels based on the number, severity or cost of car insurance claims within the area.
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, car type, and age, are added to the calculation.
“The geographical location itself is an important factor in your risk profile. Living in big cities will likely cost you more in car insurance for two main reasons: The chance of an accident is higher due to traffic and the cost of repairs is more expensive,” says Siwei Gao, Thomas and Rebecca Coffey Professor of Insurance Studies at Eastern Kentucky University.
Most expensive ZIP codes for car insurance in each state
The most expensive ZIP codes for car insurance are in New York, Michigan and Louisiana.
See the table below to see each state’s most expensive ZIP code for car insurance with the minimum, average and maximum annual premium for that ZIP.
Enter a state in the search field to narrow results.
| State name | ZIP code | Highest rates | Average rates | Lowest rates |
|---|---|---|---|---|
| Alabama | 35249 | $3,774 | $2,396 | $1,471 |
| Alaska | 99507 | $3,780 | $2,558 | $1,484 |
| Arizona | 85017 | $4,914 | $3,457 | $2,189 |
| Arkansas | 72312 | $4,864 | $3,185 | $1,632 |
| California | 91606 | $8,707 | $5,147 | $2,720 |
| Colorado | 80219 | $5,460 | $3,960 | $2,121 |
| Connecticut | 6610 | $8,841 | $3,954 | $2,010 |
| Delaware | 19801 | $9,503 | $4,664 | $2,398 |
| Florida | 33603 | $10,389 | $5,777 | $3,399 |
| Georgia | 30034 | $6,229 | $4,169 | $2,474 |
| Hawaii | 96783 | $2,717 | $1,857 | $1,180 |
| Idaho | 83840 | $3,430 | $1,979 | $816 |
| Illinois | 60621 | $4,731 | $3,191 | $1,878 |
| Indiana | 46402 | $5,823 | $2,765 | $1,220 |
| Iowa | 50833 | $4,856 | $2,782 | $1,361 |
| Kansas | 66115 | $5,328 | $2,897 | $1,315 |
| Kentucky | 41542 | $9,728 | $4,441 | $1,983 |
| Louisiana | 70117 | $9,424 | $7,508 | $3,966 |
| Maine | 4626 | $2,833 | $1,843 | $943 |
| Maryland | 21216 | $6,735 | $4,282 | $2,244 |
| Massachusetts | 2120 | $7,216 | $4,988 | $2,876 |
| Michigan | 48213 | $14,474 | $7,548 | $2,740 |
| Minnesota | 55130 | $6,164 | $3,559 | $2,035 |
| Mississippi | 39086 | $3,655 | $3,027 | $1,528 |
| Missouri | 63112 | $6,032 | $3,639 | $1,324 |
| Montana | 59089 | $4,510 | $2,891 | $1,323 |
| Nebraska | 68111 | $5,697 | $3,191 | $1,810 |
| Nevada | 89101 | $9,546 | $5,325 | $2,377 |
| New Hampshire | 3101 | $3,202 | $1,942 | $1,191 |
| New Jersey | 7114 | $5,987 | $3,968 | $2,883 |
| New Mexico | 87108 | $4,842 | $3,085 | $1,416 |
| New York | 11212 | $13,620 | $7,933 | $2,996 |
| North Carolina | 28216 | $5,502 | $3,366 | $1,476 |
| North Dakota | 58568 | $3,397 | $2,336 | $1,076 |
| Ohio | 44103 | $2,821 | $2,223 | $1,145 |
| Oklahoma | 73114 | $4,488 | $3,142 | $1,845 |
| Oregon | 97266 | $4,168 | $2,671 | $1,796 |
| Pennsylvania | 19140 | $8,281 | $5,309 | $2,611 |
| Rhode Island | 2909 | $5,906 | $3,960 | $1,718 |
| South Carolina | 29933 | $4,828 | $2,927 | $2,050 |
| South Dakota | 57714 | $5,749 | $3,576 | $1,467 |
| Tennessee | 38118 | $4,914 | $3,204 | $1,528 |
| Texas | 75342 | $7,834 | $3,661 | $1,669 |
| Utah | 84103 | $5,290 | $2,679 | $1,312 |
| Vermont | 5464 | $1,915 | $1,587 | $1,068 |
| Virginia | 22159 | $5,686 | $2,483 | $1,182 |
| Washington | 98108 | $3,674 | $2,887 | $1,230 |
| Washington, D.C. | 20500 | $4,974 | $3,394 | $1,406 |
| West Virginia | 25666 | $4,915 | $3,165 | $1,669 |
| Wisconsin | 53209 | $7,062 | $3,099 | $1,218 |
| Wyoming | 83025 | $3,399 | $2,056 | $856 |
Cheapest ZIP codes for car insurance in each state
The cheapest ZIP codes are in Vermont, Idaho and Ohio. In the table below, see the cheapest ZIP codes for car insurance in each state.
| State name | ZIP code | Highest rates | Average rates | Lowest rates |
|---|---|---|---|---|
| Alabama | 36352 | $2,799 | $1,850 | $1,335 |
| Alaska | 99901 | $2,551 | $1,811 | $1,044 |
| Arizona | 86403 | $2,176 | $1,748 | $1,186 |
| Arkansas | 72712 | $3,542 | $2,386 | $1,345 |
| California | 96067 | $3,195 | $2,258 | $1,498 |
| Colorado | 81521 | $3,324 | $2,394 | $1,334 |
| Connecticut | 6388 | $3,242 | $2,253 | $1,233 |
| Delaware | 19950 | $4,022 | $2,549 | $1,580 |
| Florida | 34138 | $3,267 | $2,705 | $1,902 |
| Georgia | 31605 | $2,482 | $1,918 | $1,279 |
| Hawaii | 96703 | $2,069 | $1,533 | $966 |
| Idaho | 83706 | $2,097 | $1,413 | $665 |
| Illinois | 60178 | $1,866 | $1,533 | $1,202 |
| Indiana | 46733 | $2,515 | $1,635 | $823 |
| Iowa | 52246 | $2,916 | $1,806 | $1,099 |
| Kansas | 67401 | $3,378 | $1,963 | $1,193 |
| Kentucky | 42202 | $3,492 | $2,234 | $1,355 |
| Louisiana | 71064 | $4,621 | $3,182 | $1,728 |
| Maine | 4017 | $2,089 | $1,485 | $856 |
| Maryland | 21625 | $2,642 | $1,749 | $1,126 |
| Massachusetts | 1354 | $2,336 | $1,778 | $1,132 |
| Michigan | 48710 | $3,564 | $2,435 | $1,682 |
| Minnesota | 56088 | $3,303 | $2,128 | $1,547 |
| Mississippi | 38828 | $2,806 | $2,035 | $1,306 |
| Missouri | 65053 | $2,548 | $1,913 | $1,324 |
| Montana | 59803 | $3,191 | $2,164 | $1,146 |
| Nebraska | 68516 | $2,471 | $1,879 | $1,418 |
| Nevada | 89406 | $2,874 | $2,173 | $1,478 |
| New Hampshire | 3812 | $2,083 | $1,511 | $1,030 |
| New Jersey | 8730 | $3,226 | $2,274 | $1,539 |
| New Mexico | 88310 | $3,160 | $2,097 | $1,023 |
| New York | 13848 | $2,309 | $1,764 | $1,308 |
| North Carolina | 28575 | $3,104 | $2,039 | $1,056 |
| North Dakota | 58104 | $2,647 | $1,687 | $961 |
| Ohio | 44212 | $1,807 | $1,425 | $987 |
| Oklahoma | 73703 | $3,156 | $2,363 | $1,203 |
| Oregon | 97322 | $2,296 | $1,634 | $1,034 |
| Pennsylvania | 16827 | $2,347 | $1,819 | $1,033 |
| Rhode Island | 2842 | $2,605 | $1,957 | $1,138 |
| South Carolina | 29631 | $2,747 | $1,944 | $1,379 |
| South Dakota | 57005 | $2,692 | $2,163 | $1,494 |
| Tennessee | 37604 | $2,543 | $1,590 | $1,131 |
| Texas | 79843 | $3,505 | $2,178 | $1,289 |
| Utah | 84341 | $2,791 | $2,014 | $1,119 |
| Vermont | 5403 | $1,718 | $1,370 | $889 |
| Virginia | 22821 | $2,116 | $1,506 | $847 |
| Washington | 98382 | $2,382 | $1,806 | $876 |
| Washington, D.C. | 20001 | $4,974 | $3,394 | $1,406 |
| West Virginia | 26062 | $3,287 | $2,109 | $1,315 |
| Wisconsin | 54952 | $3,044 | $1,576 | $876 |
| Wyoming | 82007 | $3,225 | $1,877 | $784 |
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Compare auto insurance rates by ZIP code in your state
Comparing car insurance rates regularly makes you more likely to save money on coverage over the long run. Using our average rate tool, you can see what you can expect to pay in your city or town for your desired coverage level.
Even if you live in a pricier state for car insurance, such as Florida, you can still save by comparison shopping. In addition to comparing Florida car insurance rates by ZIP code, you can see which companies have the lowest rates.
Find your state below and click on it to see car insurance rates by ZIP code.
- Alaska (AK)
- Alabama (AL)
- Arizona (AZ)
- Arkansas (AR)
- California (CA)
- Colorado (CO)
- Connecticut (CT)
- Delaware (DE)
- Florida (FL)
- Georgia (GA)
- Hawaii (HI)
- Idaho (ID)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Kansas (KS)
- Kentucky (KY)
- Louisiana (LA)
- Maine (ME)
- Maryland (MD)
- Massachusetts (MA)
- Michigan (MI)
- Minnesota (MN)
- Mississippi (MS)
- Missouri (MO)
- Montana (MT)
- Nebraska (NE)
- Nevada (NV)
- New Hampshire (NH)
- New Mexico (NM)
- New York (NY)
- New Jersey (NJ)
- North Carolina (NC)
- North Dakota (ND)
- Ohio (OH)
- Oklahoma (OK)
- Oregon (OR)
- Pennsylvania (PA)
- Rhode Island (RI)
- South Carolina (SC)
- South Dakota (SD)
- Tennessee (TN)
- Texas (TX)
- Utah (UT)
- Vermont (VT)
- Virginia (VA)
- Washington (WA)
- Washington D.C. (DC)
- West Virginia (WV)
- Wisconsin (WI)
- Wyoming (WY)
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.
Liability-only coverage with limits of 50/100/50 is more protective, but still offers no coverage for your own passengers and vehicle. Full coverage car insurance with limits of 100/300/100 is the recommended level of coverage for most drivers.
See the average cost of car insurance for three coverage levels.
- State minimum: $51 per month, or $618 annually
- Liability only (50/100/50): $67 per month, or $801 annually
- Full coverage (100/300/100): $209 a month, or $2,513 annually
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, such as:
- 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
What other factors besides my ZIP code affect my car insurance rates?
Car insurance premiums are personalized for every driver. There are a variety of driver- and vehicle-specific factors that can affect rates.
“What drivers pay for insurance is largely based on what kind of risk the company predicts you will be,” says Carole Walker, executive director of the Rocky Mountain Insurance Information Association. “They look at known factors like your driving history, the vehicle you drive, your age and gender, marital status and location. Insurance companies also base rates on their claims experience when it comes to the safety record of the make and model of vehicle you are driving.”
Here are some of the biggest factors that impact car insurance premiums in addition to your ZIP code:
- Age: In general, teen drivers pay the highest rates for car insurance. Rates tend to decrease steadily during adulthood, assuming drivers maintain a clean driving record and avoid claims.
- Gender: Male drivers tend to pay slightly higher rates for car insurance than females.
- Credit score: Your credit score can provide insight into your potential risk to insurers (in states where it’s allowed as a rating factor). Drivers with excellent credit usually pay much lower insurance rates than drivers with poor credit.
- Vehicle type: Your vehicle type, make and model and model year can all impact your car insurance rate. It’s typically cheaper to insure used cars than brand-new cars. Additionally, cars with higher value or higher repair costs usually have more expensive rates.
- Driving record: People with a good driving record free from recent accidents, speeding tickets and traffic violations have cheaper car insurance premiums.
- Coverage limits: Choosing higher coverage limits will result in a higher premium, and vice versa. However, keep in mind that choosing higher coverage limits will provide more financial protection in the event of an accident or other claim.
- Discounts: Many car insurance companies offer discounts that can help you save money on your insurance policy. Depending on which discounts you qualify for, it could significantly reduce your premium.
- Deductible: Some car insurance policies, like collision and comprehensive insurance, have a deductible that you pay out-of-pocket when you file a claim. Choosing a higher deductible will result in a lower premium, whereas a lower deductible will have a higher premium.
How can I lower my car insurance rates?
Lowering your car insurance rates doesn’t have to be complicated. By making strategic choices and taking advantage of available discounts, you can reduce your premiums without sacrificing the coverage you need.
Here are some practical tips to help you save money on car insurance.
- Shop around for quotes: Compare rates from multiple insurance providers. Use online comparison tools to save time.
- Bundle insurance policies: Purchase your car and home insurance with the same provider. Ask about multi-car discounts if you’re insuring multiple vehicles.
- Choose a higher deductible: Opt for a higher out-of-pocket cost to reduce monthly premiums. Ensure your deductible is affordable in case you have to file a claim.
- Maintain a good credit score: Pay your bills on time and reduce your outstanding debt. Monitor your credit report for errors.
- Drive safely: Avoid accidents and traffic violations to keep a clean driving record. Enroll in defensive driving courses for additional discounts (this isn’t available in every state).
- Ask about discounts: Look for discounts for low mileage, good grades (for students) or being part of professional organizations. Some insurers offer discounts for safety features like anti-theft devices or advanced driver assistance systems.
- Consider usage-based insurance (UBI): Use telematics programs that track driving habits to earn lower rates for safe driving. Pay-per-mile insurance can benefit low-mileage drivers.
- Reassess coverage needs: Drop optional coverages like rental reimbursement if not necessary. Adjust coverage limits based on your car’s value, especially for older vehicles.
- Pay premiums annually: Paying in full upfront often comes with a discount compared to monthly payments.
- Keep your insurance up to date: Inform your insurer about life changes like moving to a safer ZIP code or getting married. Regularly review and update your policy to match your current needs.
- Monitor your mileage: Report lower annual mileage to qualify for discounts. Use public transportation or carpool to reduce driving.
- Switch to a less expensive car to insure: Research insurance costs before purchasing a vehicle. Choose a vehicle model with high safety ratings and low repair costs.
Frequently Asked Questions
Which ZIP code is cheapest for car insurance?
According to recent rate data, The cheapest U.S. ZIP code for car insurance is 5403, which is in Vermont. The average cost of car insurance in that ZIP code is $1,370 per year.
Can I lower my car insurance rates if I move to a different ZIP code?
Yes, it’s possible to lower your car insurance premium if you move to a different ZIP code. The average cost of car insurance varies by ZIP code, so moving to a new ZIP code with cheaper average rates could help you save money.
Do ZIP codes with a high number of claims influence the rates for all residents in that area?
Yes, the number of insurance claims filed in a specific ZIP code can impact rates for all residents in the community. For example, if you live in a ZIP code that is prone to hurricanes, and 1,000 residents file claims for vehicle damage after a tropical storm, it could cause everyone’s rates to go up (even for drivers who didn’t file a claim).
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male and female driver carrying a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles. Read the detailed methodology for more information.
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