Home Car insurance Car insurance rates Car insurance rates by ZIP code (2024) Car insurance rates by ZIP code (2024) The most expensive ZIP code for car insurance in the U.S. is 48204, whereas 43456 stands out as the least expensive. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance premiums can differ greatly depending on your location. This detailed guide examines the influence of your ZIP code on car insurance costs. We’ll analyze the data state-by-state, highlighting the priciest ZIP codes that could strain your budget and the most affordable ones that offer cost-effective coverage. Whether you live in a high-cost region or a more budget-friendly area, this resource will help you gain a clearer understanding of car insurance rates by ZIP code across the United States. Average auto insurance rates by ZIP code “Auto insurance rates by ZIP code” is a crucial aspect of understanding insurance costs in different areas. The national average car insurance cost stands at $1,682, but these rates can significantly vary depending on your location. For instance, in ZIP code 43456, you’ll find the most affordable car insurance, with an average annual premium of just $832 or approximately $69 per month. This information highlights the importance of considering your ZIP code when evaluating car insurance rates, as it can have a substantial impact on your budget and financial planning. Calculate car insurance cost by ZIP code The Insure.com team has developed a calculator to help insurance shoppers estimate car insurance rates by ZIP code. Use the calculator below to obtain your insurance rate estimates in just a few simple steps. Car Insurance Cost Estimator Unlock your personalized car insurance estimate in seconds - save time, make informed choices. Did you know? Car insurance rates can vary from 65% less than the national average to 184% more for different states in the U.S. Your ZIP code Please enter a valid ZIP code Your age Please enter a valid age Age should be in between 16-100 years. Marital status Single Single Single with dependents Married Married with dependents It's complicated Coverage preferences Better protection Lower cost Do you own your home? The value of assets you own can be an indicator of how much liability insurance you should purchase. If you do not own your own, lower limits may be right for you. No Yes Next Back Do you have multiple vehicles? If you do not have more than one vehicle, it is recommended you purchase rental car reimbursement coverage on your auto insurance policy. No Yes Do you own your car? You may be required to carry certain coverages on your auto insurance policy depending on your ownership type. For example, comprehensive and collision coverages are required when your vehicle is financed. Own Lease Finance What is the value of your vehicle? The value of your vehicle, along with your ownership type, is used to determine your need for comprehensive and collision coverages. Between $5,000 and $40,000 $5,000 or less Between $5,000 and $40,000 More than $40,000 See your estimated cost Back Your estimated car insurance plan $1,732 / yr. See how it's calculated Ready to see your personalized offers? Unlock exclusive rates from top carriers now. View my offer Plan details Coverage limits Annual rates Bodily injury liability100/300- Property damage liability100- Uninsured motorist bodily injury100- Uninsured Motorist Property Damage100- Comprehensive (with $500 deductible)None- Collision (with $500 deductible)None- Rental coverageYes- Total:- View my offer Most expensive ZIP codes for car insurance Now, let’s look at the most expensive ZIP codes for car insurance in the United States. We’ve compiled a list of the most expensive ZIP codes for car insurance, based on the average cost of full coverage, state minimum liability only, and 50/100/50 liability only policies. ZIP codeCityFull coverageState Minimum 50/100/50 Liability Only48204Detroit$5,614$1,757$1,89548212Hamtramck$5,515$1,749$1,88711212New York$5,349$2,610$2,93811252Brooklyn$4,995$2,206$2,50711436Jamaica$4,684$2,344$2,57311412Saint Albans$4,671$2,339$2,56711422Rosedale$4,619$2,281$2,50811411Cambria Heights$4,610$2,278$2,50511413Springfield Gardens$4,607$2,281$2,50811429Queens Village$4,572$2,270$2,49411351Flushing$4,419$2,056$2,329 Detroit takes the top spot on our list with a ZIP code of 48204. Residents in this area can expect to pay an average of $5,614 for full coverage, $1,757 for state minimum liability only, and $1,895 for 50/100/50 liability only. Coming in second is Hamtramck, another city in Michigan. ZIP code 48212 has average rates of $5,515 for full coverage, $1,749 for state minimum liability only, and $1,887 for 50/100/50 liability only. Moving east, we find ourselves in New York City. ZIP code 11212 in Brooklyn ranks third on our list, with full coverage costing an average of $5,349, state minimum liability only at $2,610, and 50/100/50 liability only at $2,938. Other ZIP codes that made our list include Rosedale, Cambria Heights, Springfield Gardens, Queens Village, and Flushing. These areas all have higher-than-average car insurance rates compared to the national average. While living in one of these expensive ZIP codes may mean higher car insurance rates, it’s important to prioritize adequate coverage to protect yourself and your vehicle on the road. How to save on car insurance? To save on car insurance, consider bundling policies with the same insurer for potential discounts.Maintaining a clean driving record and attending defensive driving courses can also lead to lower premiums. Increasing your deductible and ensuring your coverage aligns with your actual needs can further reduce costs. Periodically shop around and compare quotes from different insurers to secure the most competitive rates. QuickTake How much does car insurance cost a month in 2025? Factors that affect your car insurance rates The most and least expensive states for car insurance in 2025 The most expensive and cheapest cars to insure in 2025 Average car insurance rates by age and gender Determining which drivers should be listed on your car insurance policy Most and least expensive trucks to insure in 2025 Car insurance estimate by model 2025 Average car insurance cost in 2025 Car insurance basics: What is car insurance? How does mileage affect car insurance rates in 2025? 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Here, you can get comprehensive coverage at the incredibly affordable rate of just $832. That’s a steal! So, whether you’re worried about accidents, theft, or any other mishaps, you can rest easy knowing that your car is fully protected without breaking the bank. ZIP codeCityFull coverageState Minimum 50/100/50 Liability Only43456Put In Bay$832$253$30345840Findlay$838$251$30045891Van Wert$840$254$30545885St. Marys$841$254$30445875Ottawa$843$245$29545816Benton Ridge$846$246$29643420Fremont$847$261$31345871New Knoxville$851$253$30345828Coldwater$851$254$30745877Pandora$851$249$29943410Clyde852259310 But maybe you’re someone who only needs the state minimum liability coverage. The ZIP code 45875 in Ottawa offers the cheapest option for state minimum liability coverage at an astonishingly low rate of $245. That’s right, you can meet the legal requirements for car insurance without spending a fortune.Now, if you’re looking for a balance between coverage and cost, then the ZIP code 45828 in Coldwater might be the perfect fit for you. Here, you can get liability-only coverage with limits of 50/100/50 at just $307. This means you’ll have adequate protection for bodily injury and property damage, while still keeping your premiums affordable. Compare car insurance rates by ZIP code and state Insure.com has compiled data in collaboration with Quadrant Information Services, gathering information from major insurance companies across all states in the United States. After thorough analysis, we have obtained details on car insurance rates categorized by ZIP code in the top states of the U.S. Upon reviewing the data, it is evident that among the most populous states, ZIP code 43456 offers the most affordable car insurance rates at $832 per year, while ZIP code 32683 in Florida presents the highest car insurance rates at $1,951 per year. These rates are calculated based on the profile of a 40-year-old male, possesses a clean driving record, and maintains a full coverage insurance policy. Now, let’s compare auto insurance rates by ZIP code in the top 5 states: California car insurance rates by ZIP code ZIP CodeAverage annual premium96067$1,57496094$1,60096097$1,64596027$1,65596080$1,65895525$1,66595570$1,66696025$1,67393402$1,67693428$1,680 If you’re shopping for car insurance in California, you’ve probably noticed that rates can vary quite a bit depending on where you live. Taking a closer look at average annual premiums by ZIP code, it’s clear that even a small shift in location can impact what you pay. For example, residents of ZIP code 96067 enjoy the lowest average premium at $1,574 per year, making it one of the more affordable spots in the state. On the other hand, ZIP code 93428 tops the list with an average annual rate of $1,680, a noticeable increase for drivers in that area. Other areas, like 96094 ($1,600) and 96097 ($1,645), show moderate rates, while premiums continue to rise in ZIP codes such as 96025 at $1,673. These differences might not seem huge at first glance, but over time, even a slight variation in your ZIP code’s average rate could save—or cost—you hundreds of dollars annually. That’s why it’s worth considering your location when comparing insurance options to find the best possible deal on coverage in California. Florida car insurance rates by ZIP code ZIP CodeAverage annual premium32459$1,91432643$1,92332439$1,93032639$1,93234449$1,94632612$1,94932433$1,94932669$1,95032435$1,95132683$1,951 Texas car insurance rates by ZIP code ZIP CodeAverage annual premium76306$1,51076311$1,53776308$1,54077845$1,54876309$1,54976302$1,55876369$1,55976310$1,56076301$1,56176901$1,565 North Carolina car insurance rates by ZIP code ZIP CodeAverage annual premium28745$1,08128748$1,09828701$1,09928753$1,09928805$1,10328719$1,10428715$1,10428905$1,11028709$1,11028721$1,111 Ohio car insurance rates by ZIP code ZIP CodeAverage annual premium43456$83245840$83845891$84045885$84145875$84345816$84643420$84745871$85145828$85145877$851 How much is car insurance in your state or city Compare car insurance rates by state and learn about how car insurance works in your area. Select your state or city from the below list to get an estimate of car insurance cost. Alabama ($1,860/year) Birmingham|Huntsville|Mobile|Montgomery|Tuscaloosa Alaska ($1,676/year) Fairbanks|Wasilla Arizona ($1,812/year) Chandler|Mesa|Phoenix|Scottsdale|Tucson Arkansas ($1,957/year) Fayetteville|Fort Smith|Jonesboro|Little Rock California ($2,416/year) Fresno|Los Angeles|San Diego|San Francisco|San Jose Colorado ($2,337/year) Aurora|Colorado Springs|Denver|Fort Collins|Lakewood Connecticut ($1,725/year) Bridgeport|Hartford|New Haven|Stamford|Waterbury Delaware ($2,063/year) Dover|Newark|Wilmington Florida ($2,694/year) Jacksonville|Miami|Orlando|Tampa Georgia ($1,970/year) Atlanta|Augusta|Columbus|Sandy Springs|Savannah Hawaii ($1,517/year) Idaho ($1,428/year) Boise City|Caldwell|Idaho Falls|Meridian|Nampa Illinois ($1,532/year) Aurora|Chicago|Joliet|Naperville|Rockford Indiana ($1,515/year) Carmel|Evansville|Fishers|Fort Wayne|South Bend Iowa ($1,630/year) Cedar Rapids|Davenport|Des Moines|Iowa City|Sioux City Kansas ($1,900/year) Kansas City|Olathe|Overland Park|Topeka|Wichita Kentucky ($2,228/year) Bowling Green|Covington|Georgetown|Owensboro|Richmond Louisiana ($2,883/year) Baton Rouge|Lafayette|Lake Charles|New Orleans|Shreveport Maine ($1,175/year) Auburn|Bangor|Lewiston|Portland Maryland ($1,746/year) Baltimore|Bowie|Frederick|Gaithersburg|Rockville Massachusetts ($1,726/year) Boston|Cambridge|Lowell|Springfield|Worcester Michigan ($2,352/year) Ann Arbor|Detroit|Grand Rapids|Sterling Heights|Warren Minnesota ($1,911/year) Bloomington|Duluth|Minneapolis|Rochester Mississippi ($2,008/year) Biloxi|Gulfport|Hattiesburg|Jackson|Southaven Missouri ($1,982/year) Columbia|Independence|Kansas City|Springfield Montana ($2,193/year) Billings|Bozeman|Great Falls|Helena|Missoula Nebraska ($1,902/year) Bellevue|Grand Island|Kearney|Lincoln|Omaha Nevada ($2,060/year) Henderson|Las Vegas|North Las Vegas|Reno|Sparks New Hampshire ($1,265/year) Concord|Dover|Manchester|Nashua|Rochester New Jersey ($1,902/year) Clifton|Elizabeth|Jersey City|Newark|Paterson New Mexico ($2,049/year) Albuquerque|Las Cruces|Rio Rancho|Roswell|Santa Fe New York ($1,870/year) Buffalo|New York|Rochester|Syracuse|Yonkers North Carolina ($1,741/year) Charlotte|Durham|Greensboro|Raleigh North Dakota ($1,665/year) Bismarck|Fargo|Grand Forks|Minot Ohio ($1,417/year) Akron|Cincinnati|Cleveland|Columbus|Toledo Oklahoma ($2,138/year) Broken Arrow|Edmond|Norman|Oklahoma City|Tulsa Oregon ($1,678/year) Eugene|Gresham|Hillsboro|Portland|Salem Pennsylvania ($1,872/year) Allentown|Erie|Philadelphia|Pittsburgh|Reading Rhode Island ($2,061/year) Cranston|East Providence|Pawtucket|Providence|Warwick South Carolina ($2,009/year) Charleston|Columbia|Greenville|North Charleston|Rock Hill South Dakota ($2,280/year) Aberdeen|Brookings|Sioux Falls|Watertown Tennessee ($1,677/year) Chattanooga|Clarksville|Knoxville|Memphis|Murfreesboro Texas ($2,043/year) Austin|Dallas|Fort Worth|Houston|San Antonio Utah ($1,825/year) Orem|Provo|Salt Lake City Vermont ($1,319/year) Barre|Burlington|Essex Junction|Rutland|South Burlington Virginia ($1,469/year) Chesapeake|Newport News|Norfolk|Richmond|Virginia Beach Washington ($1,608/year) Bellevue|Seattle|Spokane|Tacoma|Vancouver West Virginia ($2,005/year) Charleston|Huntington|Morgantown Wisconsin ($1,664/year) Green Bay|Kenosha|Madison|Milwaukee Wyoming ($1,758/year) Casper|Cheyenne|Gillette California vs. Florida car insurance rates by ZIP Code: Which state has lower premiums? When it comes to car insurance, where you live plays a huge role in determining your premium. A quick look at car insurance rates between California and Florida reveals that drivers in the Sunshine State are paying noticeably more. In California, the average annual premiums range from $1,574 in ZIP code 96067 to $1,680 in 93428. This spread is relatively narrow, with only slight increases from one area to another. In contrast, Florida drivers see premiums starting at $1,914 in ZIP code 32459 and going up to $1,951 in areas like 32683 and 32435. This means drivers in Florida are shelling out around 15% to 20% more for the same coverage compared to those in California. The difference might seem small at first, but over time, these extra costs add up. So if you’re a driver in Florida, it’s essential to shop around and compare quotes to find a more affordable rate. Knowing how your ZIP code affects your premium can be a game-changer when budgeting for car insurance. Car insurance cost in high-cost-of-living ZIP codes Insure.com utilizes data from the Center for Regional Competitiveness, a management organization overseeing the Council for Community and Economic Research. This data helps us understand how car insurance costs differ by ZIP code, taking into account both high-cost and low-cost-of-living areas. Let’s explore the expected car insurance costs in high and low-cost-of-living ZIP codes in the USA. ZIP CodeAverage annual premium10034$3,98796795$1,32994124$2,73611235$5,32090210$3,59092657$2,4112119$3,01420001$1,85892055$3,09298118$1,792 Car insurance cost in low-cost-of-living ZIP codes ZIP CodeAverage annual premium78552$2,00662514$1,42078569$1,99638879$1,45174469$1,74449053$1,78647327$1,15561077$1,49835614$1,42772037$1,601 Why does your city matter while purchasing car insurance? Your city matters when purchasing car insurance for several reasons: Local Regulations: Different cities may have varying regulations and requirements for car insurance. Your coverage needs to align with the specific rules and laws in your city to ensure legal compliance. Risk Factors: Cities differ in terms of traffic density, crime rates, and accident statistics. Insurers assess these factors to determine the level of risk associated with insuring a vehicle in a particular location. Higher risks may lead to higher premiums. Repair Costs: Repair and labor costs can vary by location. In densely populated cities or areas with higher living costs, repair expenses may be higher, affecting insurance premiums. Weather Conditions: The climate in your city can impact insurance rates. Areas prone to severe weather conditions, such as hurricanes or snowstorms, may experience higher insurance costs due to increased risks of damage to vehicles. Theft Rates: Some cities have higher rates of vehicle theft or vandalism. Insurers take this into account, and if you live in an area with a higher likelihood of theft, your insurance premiums may reflect that risk. Medical Costs: In the event of an accident, medical costs can vary by location. Cities with higher healthcare expenses may see higher insurance premiums to cover potential medical claims. Considering these factors specific to your city ensures that your car insurance is tailored to the unique risks and conditions you may face in your local area. It’s essential to be aware of these aspects to make informed decisions and obtain coverage that adequately protects you and your vehicle. Final Thoughts In conclusion, your ZIP code plays a substantial role in determining the cost of your car insurance. As we’ve seen, some areas come with significantly higher rates, while others offer more affordable options. It’s essential to consider your specific location when shopping for car insurance to ensure you’re getting the best coverage at a price that fits your budget. Methodology Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across California. The rates are based on the profile of a 40-year-old male with a clean record and full coverage policy. The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average auto insurance rates by ZIP codeCalculate car insurance cost by ZIP codeMost expensive ZIP codes for car insuranceLeast expensive ZIP codes for car insuranceCompare car insurance rates by ZIP code and stateCar insurance cost in high-cost-of-living ZIP codesCar insurance cost in low-cost-of-living ZIP codesWhy does your city matter while purchasing car insurance?Final ThoughtsMethodology ZIP Code Please enter valid ZIP See rates