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Car insurance rates by ZIP code
Premiums can vary 2x between ZIPs even within the same city. See where your ZIP lands — then compare your real rate.
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Average full-coverage premium by state (2026)
| State | Annual avg. | Tier |
|---|---|---|
| Maine | $988 | cheapest |
| Idaho | $1,082 | cheapest |
| Vermont | $1,108 | cheapest |
| Ohio | $1,194 | cheap |
| Wisconsin | $1,236 | cheap |
| Indiana | $1,305 | mid |
| Pennsylvania | $1,872 | mid |
| Texas | $1,941 | mid |
| California | $2,283 | expensive |
| Georgia | $2,318 | expensive |
| New York | $2,488 | expensive |
| Michigan | $2,891 | most expensive |
| Louisiana | $3,069 | most expensive |
| Florida | $3,182 | most expensive |
5 of the cheapest ZIPs
- 04609 · Bar Harbor, ME$842
- 83702 · Boise, ID$928
- 05753 · Middlebury, VT$970
- 44691 · Wooster, OH$1,012
- 54481 · Stevens Point, WI$1,058
5 of the most expensive ZIPs
- 33125 · Miami, FL$4,180
- 11691 · Far Rockaway, NY$4,062
- 48205 · Detroit, MI$5,840
- 70126 · New Orleans, LA$3,948
- 30315 · Atlanta, GA$3,612
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Drivers can save an average of $847/year. See your rates from top carriers.
Frequently asked questions
ZIP-level pricing captures claim density, theft and vandalism rates, repair labor costs, weather exposure (hail, hurricane, flood), and local litigation environments. A high-density urban ZIP with frequent claims can cost 2x what a rural ZIP 30 miles away costs for the exact same driver.
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