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 By Insure.com's Editor | Updated on January 4, 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 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. 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. 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. 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. 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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 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. Alaska ($1,359/year) Fairbanks|Wasilla Alabama ($1,542/year) Birmingham|Huntsville|Mobile|Montgomery|Tuscaloosa Arkansas ($1,597/year) Fayetteville|Fort Smith|Jonesboro|Little Rock Arizona ($1,617/year) Chandler|Mesa|Phoenix|Scottsdale|Tucson California ($2,115/year) Fresno|Los Angeles|San Diego|San Francisco|San Jose Colorado ($1,940/year) Aurora|Colorado Springs|Denver|Fort Collins|Lakewood Connecticut ($1,750/year) Bridgeport|Hartford|New Haven|Stamford|Waterbury Delaware ($2,137/year) Dover|Newark|Wilmington Florida ($2,560/year) Jacksonville|Miami|Orlando|Tampa Georgia ($1,647/year) Atlanta|Augusta|Columbus|Sandy Springs|Savannah Hawaii ($1,306/year) Iowa ($1,321/year) Cedar Rapids|Davenport|Des Moines|Iowa City|Sioux City Idaho ($1,121/year) Boise City|Caldwell|Idaho Falls|Meridian|Nampa Illinois ($1,578/year) Aurora|Chicago|Joliet|Naperville|Rockford Indiana ($1,256/year) Carmel|Evansville|Fishers|Fort Wayne|South Bend Kansas ($1,594/year) Kansas City|Olathe|Overland Park|Topeka|Wichita Kentucky ($2,105/year) Bowling Green|Covington|Georgetown|Owensboro|Richmond Louisiana ($2,546/year) Baton Rouge|Lafayette|Lake Charles|New Orleans|Shreveport Massachusetts ($1,538/year) Boston|Cambridge|Lowell|Springfield|Worcester Maryland ($1,640/year) Baltimore|Bowie|Frederick|Gaithersburg|Rockville Maine ($1,116/year) Auburn|Bangor|Lewiston|Portland Michigan ($2,133/year) Ann Arbor|Detroit|Grand Rapids|Sterling Heights|Warren Minnesota ($1,493/year) Bloomington|Duluth|Minneapolis|Rochester Missouri ($2,104/year) Columbia|Independence|Kansas City|Springfield Mississippi ($1,606/year) Biloxi|Gulfport|Hattiesburg|Jackson|Southaven Montana ($1,692/year) Billings|Bozeman|Great Falls|Helena|Missoula North Carolina ($1,368/year) Charlotte|Durham|Greensboro|Raleigh North Dakota ($1,419/year) Bismarck|Fargo|Grand Forks|Minot Nebraska ($2,018/year) Bellevue|Grand Island|Kearney|Lincoln|Omaha New Hampshire ($1,307/year) Concord|Dover|Manchester|Nashua|Rochester New Jersey ($1,901/year) Clifton|Elizabeth|Jersey City|Newark|Paterson New Mexico ($1,505/year) Albuquerque|Las Cruces|Rio Rancho|Roswell|Santa Fe Nevada ($2,023/year) Henderson|Las Vegas|North Las Vegas|Reno|Sparks New York ($2,020/year) Buffalo|New York|Rochester|Syracuse|Yonkers Ohio ($1,023/year) Akron|Cincinnati|Cleveland|Columbus|Toledo Oklahoma ($1,797/year) Broken Arrow|Edmond|Norman|Oklahoma City|Tulsa Oregon ($1,244/year) Eugene|Gresham|Hillsboro|Portland|Salem Pennsylvania ($1,445/year) Allentown|Erie|Philadelphia|Pittsburgh|Reading Rhode Island ($1,845/year) Cranston|East Providence|Pawtucket|Providence|Warwick South Carolina ($1,894/year) Charleston|Columbia|Greenville|North Charleston|Rock Hill South Dakota ($1,581/year) Aberdeen|Brookings|Sioux Falls|Watertown Tennessee ($1,373/year) Chattanooga|Clarksville|Knoxville|Memphis|Murfreesboro Texas ($1,875/year) Austin|Dallas|Fort Worth|Houston|San Antonio Utah ($1,469/year) Orem|Provo|Salt Lake City Virginia ($1,321/year) Chesapeake|Newport News|Norfolk|Richmond|Virginia Beach Vermont ($1,158/year) Barre|Burlington|Essex Junction|Rutland|South Burlington Washington ($1,371/year) Bellevue|Seattle|Spokane|Tacoma|Vancouver Wisconsin ($1,499/year) Green Bay|Kenosha|Madison|Milwaukee West Virginia ($1,610/year) Charleston|Huntington|Morgantown Wyoming ($1,736/year) Casper|Cheyenne|Gillette 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 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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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 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 Get instant quotes now ! Please enter valid zip Get Quotes