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Average car insurance rates by ZIP code for 2020 logo 3/27/2020

Using our car insurance ZIP code calculator below, you can see average car insurance rates by ZIP code, as well as the highest and lowest rate fielded from up to six major insurers for the same policy. Car insurance companies use different formulas when deciding how much you pay, which is why the cost for coverage can vary significantly among carriers. The difference between the highest and lowest rate is the amount you could wind up saving by shopping around for the lowest price.

Use our average car insurance rates tool above to compare rates. Enter a ZIP code to see the average monthly premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the "Start Shopping Now" button above.

Key Highlights
  • Find out how car insurance rates are affected by where you live
  • Compare rates for your ZIP code based on your age, gender and coverage level
  • Learn how much you can potentially save by comparing car insurance rates

Compare car insurance rates by ZIP code to save money on the cost of car insurance

Our average car insurance rates tool above lets you compare auto insurance rates by ZIP code. The difference between the highest and lowest rate is what you can save if you shop around for coverage. You can also read our guide on how to estimate car insurance costs, which includes taking into account the amount of coverage you need, your age and your location, among other factors. For now, to make it easier for you to see the potential savings, we've done the math for you.

In the table below, you'll see the average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes.

Key Findings Reveal That:

  • The average savings nationwide after comparing car insurance quotes for a full coverage policy is $1,647 a year
  • The average percentage savings after comparing car insurance quotes is 178% a year

Regardless of your location, you can still net a significant savings by comparison shopping, based on a rate analysis by's experts. In Michigan, the state with the highest potential for savings, the difference between the highest and lowest rates is $4,837. But even in Alaska, where savings are the lowest, the difference is $972.

The states where drivers can save the most, on average per year, by comparing car insurance quotes are, based on a rate analysis of up to six major carriers in each ZIP code:

  • Michigan - $4,837
  • Kentucky - $2,805
  • D.C. - $2,731
  • Delaware - $2,718
  • New Jersey - $2,579

States where drivers save the least, on average, are:

  • Alaska - $972
  • Nebraska - $974
  • Missouri - $1,026
  • Utah - $1,077
  • Iowa - $1,114
State Average Rate Average Highest Rate Average Lowest Rate Average $ Savings Average % Savings
New Jersey$1,993$3,569$990$2,579261%
Rhode Island$2,040$2,992$763$2,229292%
New York$2,062$2,799$824$1,975240%
West Virginia$1,654$2,576$1,064$1,512142%
New Mexico$1,604$2,334$951$1,383145%
North Dakota$1,577$2,324$949$1,375145%
New Hampshire$1,086$1,999$664$1,335201%
North Carolina$1,425$2,064$767$1,297169%
South Dakota$1,643$2,213$1,062$1,151108%
Soutn Carolina$1,653$2,118$986$1,132115%
National average$1,758$2,557$910$1,647178%


The average state rate is comprised by averaging premiums for 2019 Honda Accord, male driver age 30, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle. Slight differences in some averages are due to rounding rates.

Average car insurance rates by coverage level

When deciding how much coverage to buy, the best advice is to get as much as you can afford. State minimum car insurance is required to drive legally, but rarely provides enough financial protection to prevent you from paying out-of-pocket for even relatively minor accidents that you cause.

Also, buying state minimum levels of insurance means you are getting a policy that only has liability insurance. Any damage to your own car is not covered under liability car insurance. The good news is that boosting your liability limits is usually super cheap. And, buying “full coverage,” a policy with comprehensive insurance and collision coverage, typically doesn't cost that much more than bare-bones coverage.

For example, listed below is the average cost of car insurance for three coverage levels, as follows:

  • State minimum, this varies by state, and many states have super low limits, but a typical amount is $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25)
  • Liability limits of $50,000 for injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50)
  • Full coverage with comprehensive and collision, which cover damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100)
State Minimum 50/100/50 100/300/100
Average rate$574$644$1,758
Monthly average rate$48$54$147

Based on's rate analysis, you pay:

  • $70 (about $6 monthly) more a year to bump coverage to 50/100/50 from state minimum
  • $1,184 ($99 monthly) more a year to bump coverage to 100/300/100 from state minimum

Average rate up 22% from 2017 for full coverage

When considering all locations in the U.S.,'s analysis showed a national average rate of $1,758 for full coverage. That's up 22% since 2017 when rate by ZIP data was last surveyed by the experts at State required minimum coverage ticked up just 4%, while standard liability limits rose 16%.

Coverage level2017 average rate2020 average rate$ difference% difference
State minimum$552$574$224%

When should I compare car insurance rates to get the best price?

Many factors affect your car insurance rates, and if any of them changed, it's possible that the cheapest policy will come from a different insurer. Senior Consumer Analyst Penny Gusner says you should compare car insurance rates at these times, when your rates are likely to change significantly:

  • You bought a car
  • You added a teen driver to your policy
  • You got married or divorced
  • Your credit score changed
  • You bought a house or moved
  • You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months, says Gusner. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don't have a life-changing event. That means you can wind up overpaying if you don't compare insurance rates from several companies at least once a year. Some insurance companies may charge you a lot more after, say, a credit ding or speeding ticket, while others may charge you much less.

For example, data show the average driver with bad credit can potentially trim an average of about $1,000 from their yearly policy cost by comparing car insurance companies. Here's how rates compare for drivers with bad credit for a full coverage policy:

  • Geico - $2,084
  • Nationwide - $2,244
  • Progressive - $2,644
  • Allstate - $2,906
  • State Farm - $3,012
  • Farmers - $3,039

Another example - speeding tickets. Here are how companies compared on full coverage rates after a minor speeding violation, according to data, showing an average savings of about $800:

  • Geico - $1,449
  • State Farm - $1,807
  • Nationwide - $1,900
  • Progressive - $1,916
  • Farmers - $2,146
  • Allstate - $2,239

If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run.


Compare car insurance rates by ZIP Code: Most and least expensive by state

Car insurance companies assess many factors when setting rates, and your location is chief among them. Based on the number and severity, or cost, of car insurance claims within the area, insurers assign ZIP codes different risk levels. Insurers take into account the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. This is used as the base rate from which insurers calculate your premium in most states -- California is one exception. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. You'll see in the table below how much price varies among ZIP codes. To see how location affects rates, below we compare auto insurance rates by ZIP code in each state, to see the most and least expensive neighborhoods for car insurance.


To find the least expensive ZIP code for car insurance in every state, see the table below. Enter a state in the search field to narrow results.

State ZIP Code City Average Annual Rate Highest Rate Lowest Rate
New Hampshire03766Lebanon$995$1,796$664
Ohio45885St. Marys$995$1,530$596
Idaho83716Boise City$1,138$1,815$779
North Carolina28715Candler$1,196$1,747$861
Tennessee37604Johnson City$1,223$1,745$906
New York14830Corning$1,298$1,718$1,028
Arizona86403Lake Havasu City$1,299$1,983$748
Utah84720Cedar City$1,325$1,694$977
North Dakota58104Fargo$1,334$2,344$955
West Virginia25401Martinsburg$1,373$2,264$1,078
South Carolina29691Walhalla$1,378$1,817$986
New Mexico88310Alamogordo$1,396$2,184$993
Mississippi39759Mississippi State$1,409$2,221$1,022
South Dakota57201Watertown$1,413$2,143$1,074
Arkansas72745Cave Springs$1,524$2,232$1,036
Colorado81505Grand Junction$1,524$2,084$1,036
Texas76909San Angelo$1,524$2,582$1,185
California96067Mount Shasta$1,536$1,932$1,070
Rhode Island02840Newport$1,587$2,096$763
Delaware19930Bethany Beach$1,604$3,042$1,034
Kentucky41075Fort Thomas$1,645$2,601$1,002
New Jersey08720Allenwood$1,668$2,847$1,060
Wyoming82324Elk Mountain$1,692$2,510$944
Montana59635East Helena$1,727$2,521$1,111
Connecticut06340Conning Towers Nautilus Park$1,774$2,710$689

To see the most expensive ZIP code for car insurance in every state, see the table below. Enter a state in the search field to narrow results.

State ZIP Code City Average Annual Rate Highest Rate Lowest Rate
New York11212New York$5,703$9,172$3,123
Louisiana70117New Orleans$4,601$5,769$3,707
Nevada89101Las Vegas$3,768$5,983$1,873
California91605North Hollywood$3,767$5,082$2,946
Kentucky40944Goose Rock$3,435$5,748$1,690
New Jersey07111Irvington$3,043$5,857$1,734
Missouri63115St. Louis$3,018$4,377$2,113
Rhode Island02909Providence$2,875$4,329$1,424
Washington98108Boulevard Park$2,149$3,070$1,534
West Virginia25621Gilbert$2,119$3,313$1,579
South Dakota57756Manderson$2,067$2,463$1,594
Arkansas72342Helena-West Helena$2,066$2,752$1,676
Kansas66115Kansas City$2,066$3,388$1,466
South Carolina29933Miley$2,056$2,288$1,633
New Mexico87121Albuquerque$2,030$2,549$1,584
Utah84180Salt Lake City$1,910$2,618$989
North Carolina28212Charlotte$1,867$2,870$973
North Dakota58538Fort Yates$1,793$2,651$1,349
Iowa51503Council Bluffs$1,635$2,165$1,071
New Hampshire03104Manchester$1,294$2,285$870

*Methodology: commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2019 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

Averages for the tables are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. Your own rate will depend on your personal factors and vehicle.


How to find average rates by ZIP code for your state?

If you want to see what you can expect to pay in your city or town for the coverage level you want, you can do that using our average rate tool on this page, but if you want more details on how car insurance costs compare, our state car insurance guides offer more granular rate analysis. For instance, you can research California car insurance rates by ZIP code at our California Auto Insurance page, where you will also find rates by coverage level and company, as well as advice on how much coverage to buy. Even if you live in a pricey state for car insurance, for instance, Florida, you can see how much you can expect to save by comparison shopping. In addition to Florida car insurance rates by ZIP code, you'll see which companies have the lowest rates at our Florida Car Insurance page.

How we calculated our average rates by ZIP code? commissioned Quadrant Information Services to provide a report of average auto insurance rates nearly every ZIP code in the United States for various driver profiles and coverage levels for a 2019 Honda Accord. We calculated rates using data for up to six major carriers. Your own rate will depend on your personal factors and vehicle. For more details, see our methodologies section in our Press Room.

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