Car insurance rates by ZIP code (2023)

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Car insurance rates can significantly vary based on where you live. In this comprehensive guide, we explore how your ZIP code impacts the cost of car insurance. From the most expensive ZIP codes that may hit your wallet hard to the least expensive ones offering budget-friendly coverage, we’ll break down the data by state. Whether you reside in a high-cost-of-living area or enjoy the benefits of a low-cost-of-living zone, this information will help you better understand and compare car insurance cost by ZIP code across the USA.

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.

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.

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.

Least expensive ZIP codes for car insurance

If you’re someone who prefers full coverage for your car insurance, then the ZIP code 43456 in Put In Bay is the place to be. 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.

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