Car Insurance Rates by ZIP Code (2024)

Where you live influences car insurance rate factors like accident rates, population density, crime levels, and weather risks.

Julia Taliesin
Written byJulia Taliesin
Julia Taliesin
Julia TaliesinContent Writer

Julia Taliesin is a Content Writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $45/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

ZIP codes matter for more than your mailing address. Car insurance companies use the nearly 42,000 U.S. ZIP codes to assess hyper-local data and predict drivers’ likelihood of filing claims.

Insurers see risk indicators — like population density, crash rates, crime levels, road conditions, and severe weather probability — as closely tied to location, so premium costs vary widely based on where you live. For example: Florida has the highest average liability insurance rates, but the five most expensive ZIP codes are in New York and Michigan, according to Insurify data.

Drivers in the least expensive areas of those states pay less, but no matter where you live, comparing car insurance can help lower your rates.

Quick Facts
  • The 11212 and 11233 ZIP codes in New York have the most expensive rates.

  • Wisconsin’s 54937 and 54703 are some of the cheapest ZIP codes in the U.S. for car insurance.

  • California and Michigan don’t allow insurers to use ZIP codes to set rates.[1] [2]

How ZIP code affects car insurance rates

ZIP codes are a key factor in setting car insurance rates. Companies can learn a lot about your risk level based on where you’re driving and parking your car. Risk factors can shift dramatically from town to town.

For example: Urban drivers pay higher auto insurance premiums than rural drivers due to increased rates of vandalism, theft, and accidents, according to the Insurance Information Institute. Weather is also a significant regional risk factor, and insurers consider the frequency and likelihood of severe storms or wildfires when setting rates for drivers in your area.

Find Affordable Car Insurance

Unlock savings and discounts when you compare quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Risk factors that lead to higher car insurance rates

ZIP code data can tell insurers a lot about where you’re driving your vehicle and lead to higher auto insurance rates.

  • illustration card https://a.storyblok.com/f/162273/150x150/59f0e4ac83/types-of-houses-96x96-yellow_029-mansion.svg

    Population density

    Drivers in urban areas usually pay higher premiums, given the increased incidence of collisions and crime.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Accident rates

    If statistics show a high accident rate in your area, insurers may raise premiums to account for the elevated risk of claims.

  • illustration card https://a.storyblok.com/f/162273/x/68ed522f01/windstorm-and-hail.svg

    Weather events

    Some ZIP codes have a higher likelihood of severe weather, which can result in costly claims from damages and losses.[3]

  • illustration card https://a.storyblok.com/f/162273/x/743065ad20/theft.svg

    Crime levels

    Densely populated areas have higher crime rates, including vandalism and theft, which lead to more claims payouts for insurers.

ZIP codes with the cheapest car insurance rates

Drivers in 54937 in Fond Du Lac, Wisconsin, have the cheapest car insurance rates. The area has a relatively low population density of 2,323 people per square mile and low-to-moderate climate risks. Car insurance rates in Wisconsin are well below the monthly national average, at $61 for liability-only coverage and $140 for full coverage.

Here are the 15 ZIP codes with the cheapest monthly auto insurance rates for liability and full-coverage car insurance.

ZIP CodeCityLiability OnlyFull Coverage
54937Fond Du Lac, WI$40$83
54703Eau Claire, WI$44$92
62448Newton, IL$46$95
28214Charlotte, NC$47$98
54956Neenah, WI$48$100
54143Marinette, WI$48$100
54952Menasha, WI$49$102
46953Marion, IN$50$104
47905Lafayette, IN$51$105
22968Ruckersville, VA$51$106
54915Appleton, WI$52$107
54401Wausau, WI$52$108
53081Sheboygan, WI$52$109
46041Frankfort, IN$53$110
54935Fond Du Lac, IN$53$110

ZIP codes with the highest car insurance rates

The ZIP code with the most expensive auto insurance rates is 11212 in Brooklyn, New York. New York City is one of the most densely populated areas in the country, with 29,303 people per square mile, and it has relatively high climate risks.

Brooklyn rates are higher than the state averages of $141 for liability-only coverage and $163 for full-coverage car insurance.

Here are the top 15 ZIP codes with the most expensive monthly car insurance rates.

ZIP CodeCityLiability OnlyFull Coverage
11212Brooklyn, NY$194$403
11233Brooklyn, NY$193$402
10460Bronx, NY$189$392
11234Brooklyn, NY$188$390
48021Eastpointe, MI$181$377
63115Saint Louis, MO$180$374
89142Las Vegas, NV$179$373
11223Brooklyn, NY$178$370
6515New Haven, CT$178$369
48066Roseville, MI$178$369
10469Bronx, NY$177$368
21202Baltimore, MD$177$367
48089Warren, MI$176$367
10472Bronx, NY$176$366
89110Las Vegas, NY$176$366

Average car insurance rates in top cities

Raleigh, North Carolina, has the cheapest average car insurance rates, while Detroit, Michigan, has one of the most expensive averages.

Though Detroit and New York have similar rates, Detroit has fewer residents and a far lower population density. Detroit has a much lower median household income, too, which can lead to higher rates, as many insurers consider credit history and homeownership when setting rates.

This table shows the average monthly rate in the 50 most populous U.S. cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Raleigh, NC$61$116
Birmingham, AL$71$192
Boston, MA$74$144
Charlotte, NC$75$140
Indianapolis, IN$78$158
Cincinnati, OH$83$177
Columbus, OH$84$188
Cleveland, OH$86$190
Nashville, TN$90$198
Tucson, AZ$90$177
Milwaukee, WI$91$206
Chicago, IL$92$219
Pittsburgh, PA$94$210
Denver, CO$96$236
Virginia Beach, VA$100$170
San Diego, CA$108$199
Salt Lake City, UT$110$196
Seattle, WA$111$256
Oklahoma City, OK$111$220
Richmond, VA$114$192
Memphis, TN$114$235
Phoenix, AZ$117$228
San Jose, CA$118$235
Fresno, CA$120$217
Riverside, CA$122$253
Minneapolis, MN$123$240
San Antonio, TX$125$244
Kansas City, MO$126$269
Portland, OR$129$203
Austin, TX$129$235
Sacramento, CA$129$280
Buffalo, NY$131$201
Dallas, TX$138$279
San Francisco, CA$142$240
Grand Rapids, MI$151$297
Philadelphia, PA$156$343
Houston, TX$170$315
Providence, RI$176$259
Los Angeles, CA$179$289
Jacksonville, FL$202$301
Atlanta, GA$204$257
Orlando, FL$221$312
Las Vegas, NV$221$351
Miami, FL$272$363
Louisville, KY$279$324
Baltimore, MD$283$417
Tampa, FL$310$373
Hartford, CT$318$469
New York, NY$339$378
Detroit, MI$339$416

Where insurance rates are rising the fastest

Full-coverage car insurance premiums increased by 24% in 2023, as extreme weather, rising repair costs, and severe car accidents contributed to record losses for insurance companies, according to Insurify’s auto insurance report. Rates will increase by 7% in 2024, Insurify projects.

Five states experienced the biggest rate increases in 2023, according to Insurify data:

  1. Illinois: +35%

  2. Texas: +35%

  3. North Carolina: +34%

  4. Utah: +34%

  5. South Carolina: +28%

Kevin Brasler, executive editor of Chicago Consumers’ Checkbook, a nonprofit consumer organization, told ABC 7 Chicago that the high cost of labor and auto parts and the increasing number of claims are leading to higher rates in Illinois.

Insurance fraud contributed to South Carolina’s high rates: The state ranks 13th in the nation for questionable vehicle-related insurance claims, according to the National Insurance Crime Bureau.

Find Cheap Car Insurance

Minimum coverage starts at $20/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

How to lower car insurance costs

Insurers use more information than ZIP codes to set rates, so here are some tips to lower your costs.

Be a safe driver

Keeping a clean driving record is the most effective way to get lower premiums. Wearing your seat belt and avoiding tailgating, speeding, and hard braking are all examples of safe driving habits.

Bundle multiple insurance policies

Bundling your auto insurance with homeowners or renters insurance can save you money if you have multiple policies with the same insurance company.

Work on improving your credit score

Actuarial data links credit history with the likelihood of filing claims, so having an excellent credit score can help secure lower rates.

Apply for discounts

Most car insurance companies offer savings options, from multi-vehicle discounts to good student discounts. These can add up to reduce costs significantly.

Compare car insurance quotes

Rates vary by insurance company as well as ZIP code, so shopping around will help you get the best car insurance and lowest rates.

Learn More: How to Get Cheap Car Insurance

Learn More: How to Get Cheap Car Insurance

ZIP code and car insurance FAQs

If you still have questions about car insurance rates by ZIP code, this additional information may help.

  • Is it legal for insurance companies to use ZIP code as a rating factor?

    In most cases, yes. It’s legal in most states to use ZIP codes as a rating factor for auto insurance premiums. Where you live can determine risk levels based on population density, crime, and claims filed.

    The states of Michigan and California don’t allow insurance companies to use ZIP codes for auto insurance rates.

  • Can you lie about your ZIP code to get a cheaper rate?

    Your ZIP code is a factor that insurance companies use to assess levels of risk. Answering honestly is part of that. If you lie to your insurance company about your ZIP code to get a lower rate, insurers consider this insurance fraud. To avoid the consequences of insurance fraud, be forthright and honest with the details on your application, including your ZIP code.

  • Rural or urban areas: Which has cheaper car insurance?

    Rural areas typically have cheaper car insurance because of a lower population density and reduced crime rate. Urban areas have a higher population density, which can lead to more accidents and crime, resulting in higher premiums.

  • What states have the cheapest car insurance rates?

    Car insurance premiums fluctuate based on where you live. The states with the cheapest car insurance rates include Hawaii, Idaho, Ohio, Minnesota, and Wyoming, according to a recent Insurify report.

  • Which company has the cheapest car insurance rates?

    Different companies offer the cheapest rates in different states and communities. But State Farm and USAA consistently rank among the cheapest national auto insurance companies.

    You can find the most affordable insurers in your state with Insurify’s Car Insurance Rates by State.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Consumer Watchdog. "Consumer Watchdog Calls On Insurance Commissioner To Investigate If Insurers Are Violating Prop 103 By Pricing Based On Zip-Code."
  2. Michigan Department of Insurance and Financial Services. "Consumer Protections."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Julia Taliesin
Julia TaliesinContent Writer

Julia Taliesin is a Content Writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all