Car Insurance Rates by ZIP Code (2026)

Car insurance rates can vary quite a bit depending on where you live. That’s because crime rates, traffic, parking, car repair costs, and other factors can be significantly different from one location to the next.^[1]

Across all ZIP codes in the U.S., car insurance costs an average of $173 per month for full coverage and $99 per month for liability-only coverage.

Learn more about how ZIP code and location affect your auto insurance premiums, the average cost of car insurance in various regions, and tips for saving on your car insurance policy.

Average car insurance rates by ZIP code

Insurers use ZIP codes when calculating insurance premiums, as it allows them to take the unique risk factors of a specific geographic area into account. For example, in a ZIP code with lots of traffic or high crime rates, premiums may be higher, as policyholders are more likely to file claims in that area.

But a ZIP code in that same city with lower crime rates may have lower car insurance costs. Portland, Maine, is a good example of this, with both the state’s lowest and highest rates being in the same city but in different ZIP codes.

Across all ZIP codes, the national average rate for full-coverage car insurance is $173 per month. Liability-only coverage averages $99 per month.

At the ZIP-code level, the numbers vary widely. Washington, D.C., Maryland, and New Jersey have the highest auto insurance rates by ZIP code in the nation, while Idaho, Iowa, and North Carolina have the lowest rates by ZIP code.

See below for a look at how much full coverage and liability coverage cost in various cities across the U.S.

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Why ZIP code affects car insurance costs

Conditions can look quite different from one ZIP code to the next, and because of this, the risk of car accidents and the likelihood of filing an insurance claim can vary too. This is why ZIP codes are often factors in premiums, as they allow insurers to more accurately price policies based on the risk the areas present.

These are just a few of the factors that can vary by ZIP code and affect your car insurance premiums:^{[1] [2]}

• 

  Population density and traffic

  Drivers in urban areas — where there are more people, cars, and, often, accidents — tend to have higher insurance premiums than drivers in smaller towns and rural parts of the country. For example, you’d likely pay more for coverage in a big metropolitan area like Dallas than you would in a smaller nearby town like Abilene.

• 

  Weather conditions

  The weather conditions of a ZIP code affect rates too, as hail, wind, snow, tornadoes, hurricanes, and other events can all cause damage and lead to more claims.

• 

  Crime and theft rates

  In places where theft, vandalism, and crime rates are higher, so are premiums.

• 

  Accident frequency

  When accidents are more frequent, so are insurance claims, so car insurance companies charge more for coverage.

• 

  Medical, repair, and litigation costs

  In areas where it costs more to get medical treatment, hire a lawyer, or fix your car after an accident, premiums are often higher, as the costs of insurance claims are also higher.

ZIP codes with the cheapest car insurance rates

The cheapest place to get liability-only and full-coverage car insurance in the U.S. is Iowa City, Iowa, in the ZIP code 52246, with average premiums sitting at $54 and $95 per month, respectively. 

Nationally across all ZIP codes, the average premium for liability-only coverage is $99 per month, while full coverage costs an average of $173. This means drivers in the 52246 ZIP code may save anywhere between $45 and $80 per month compared to the national average driver.

The ZIP code’s lower population (compared to the state’s capital, Des Moines), low risk of severe tornadoes, and low risk of property crime are likely a few of the reasons for these premiums, as they reduce the likelihood of policyholders filing claims in the area. Keep in mind that state laws and other location-specific factors can also affect insurance pricing.

See below for a look at the top 10 cheapest ZIP codes in the country for car insurance.

ZIP Code	City	State	Average Monthly Liability-Only Rate	Average Monthly Full-Coverage Rate
35761	New Market	Alabama	$66	$122
83204	Pocatello	Idaho	$62	$97
52246	Iowa City	Iowa	$54	$95
39168	Taylorsville	Mississippi	$65	$128
59714	Belgrade	Montana	$64	$124
28115	Mooresville	North Carolina	$66	$87
37870	Speedwell	Tennessee	$67	$122
57703	Rapid City	South Dakota	$60	$129
53105	Burlington	Wisconsin	$59	$105
82604	Casper	Wyoming	$54	$97

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

ZIP codes with the highest car insurance rates

The most expensive ZIP code to get car insurance in the U.S. is in Washington, D.C., in the ZIP code 20011, with average premiums sitting at $313 for full coverage and $217 for liability only. In comparison, neighboring Virginia’s most expensive ZIP code is 23314 in Carrollton, which has average rates of $188 and $111 per month.

The high crime rates, moderate weather damage risk, and high population level in 20011 are likely behind the area’s much higher premiums, as they increase the number of insurance claims filed in the region. 

See below for a look at the top 10 priciest ZIP codes in the country for car insurance.

ZIP Code	City	State	Average Monthly Liability-Only Rate	Average Monthly Full-Coverage Rate
6416	Cromwell	Connecticut	$163	$252
19703	Claymont	Delaware	$155	$233
33898	Lake Wales	Florida	$159	$217
30290	Tyrone	Georgia	$161	$258
20722	Brentwood	Maryland	$188	$288
89511	Reno	Nevada	$157	$248
7305	Jersey City	New Jersey	$176	$273
2908	Providence	Rhode Island	$147	$221
29541	Effingham	South Carolina	$166	$242
20011	Washington, D.C.	N/A	$217	$313

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How to find the cheapest car insurance in your ZIP code

Car insurance premiums can vary by ZIP code, but they also differ depending on which insurance company you choose. For this reason, it’s important to shop around for your insurance and compare at least a few different quotes for coverage.

Here’s what to do to ensure you get cheap car insurance for your ZIP code:^[3]

• Compare several insurers side by side. Make sure you’re using the same coverage, deductible, and policy limits across car insurance quotes. This will ensure you’re getting a clear picture of the best rates.

• Factor in discounts. Discounts can make a big difference for your premiums, and these can vary by insurer. When comparing car insurance companies, go to their website and look up any discounts you might be eligible for and factor these into your quotes, too.

• Control what you can. While you can’t control your ZIP code, you can control other factors that’ll help you secure lower-cost insurance. Improving your credit can often help, as can driving less and choosing a safer car. You can also select higher deductibles and lower coverage amounts to reduce your premiums.

Factors beyond ZIP code that affect car insurance rates

In addition to your ZIP code and the insurance company you choose, many other factors can affect your car insurance rate, including:

• 

  Your age and gender

  Female drivers and older drivers with more years of experience behind the wheel tend to get the best rates. Teens and drivers younger than 25 have the highest premiums.

• 

  Your driving history

  The safer you drive, the less you’ll pay. If you have accidents, DUIs, speeding tickets, and other traffic violations on your driving record, you’ll likely pay more than someone with a clean driving record.

• 

  Your vehicle

  The make and model of your car factor in as well, as some vehicles are more prone to theft, have worse safety records, have better safety features, or cost more to repair.

• 

  The coverages and deductible you choose

  The more coverage you need and the lower your deductible, the more your premium will be. Conversely, less coverage and higher deductibles will save you money on insurance.

• 

  Your driving habits

  How often you drive can also affect your premium. The more you drive, the higher your chance of an accident and the more you’ll pay.

• 

  Your credit

  Some insurers factor in your credit as part of their pricing strategy, as these can often be predictive of claims. With these companies, you may get a lower premium for having good credit.

Discounts can also lower your costs, so be sure to compare discounts before choosing where to get your policy.

How to lower your car insurance rate

While moving ZIP codes isn’t so easy, you can influence your car insurance premiums in many other ways and potentially reduce what you pay for coverage:^[3]

• Bundle your policies. Some insurers offer a discount for having multiple insurance policies with them, such as homeowners or renters and auto insurance.

• Enroll in a telematics program. Telematics programs track your driving habits and can reduce your premiums if you demonstrate safe driving.

• Increase your deductible. The higher your deductible, the less your insurer has to pay when you file a claim. This usually results in lower rates. Opting for lower coverage limits or reducing additional coverages may do the same.

• Check rates with each policy renewal. Anytime your policy comes up for renewal, you should comparison shop, as rates can vary widely.

• Ask about discounts. Discounts can make a big difference for your annual premiums, so take advantage of as many as you can.

You can also reduce your coverages, particularly for older vehicles. Collision coverage and comprehensive coverage may not be necessary on these.

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Where car insurance rates are rising the fastest

The cost of car insurance is rising in many U.S. states. But in some, the rate at which premiums are increasing is steep. In Michigan, for example, car insurance premiums rose 14% in the first half of 2025 and are projected to jump by 19% by year-end. The state’s high loss ratio likely plays a role, as insurance companies pay out about $70 in claims for every $100 they earn in premiums.

Rhode Island is also seeing big increases, with a jump of 17% in just the first half of 2025. The state will see a projected 20% jump by the end of 2025, likely due to the state’s significant increase in traffic fatalities, which rose 37% between 2022 and 2023 alone.

Other states projected to see notable increases this year include Delaware, Georgia, Maine, and Nevada.

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