Car insurance rates by ZIP code (2024)

Learn how the cost of car insurance differs in ZIP codes across the United States.

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By

Colin LalleyContent Director, Home & Auto InsuranceColin Lalley is the content director for home and auto insurance at Policygenius, where he leads our property & casualty editorial teams. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.

Reviewed by

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|2 min read

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When you're shopping for car insurance, you'll have to give some information about yourself and your vehicle - and where you live.

Why? Because your location - down to your ZIP code - helps determine how much your car insurance will cost, thanks to factors like crime rates and state minimum coverage requirements.

We don't sell your information to third parties.

While the average cost of car insurance in the U.S. is $1,638, that changes a lot depending on the exact ZIP code. We've calculated average car insurance costs for ZIP codes across the country, looking at areas with the highest rates, lowest populations, and more.

Cheapest car insurance rates by ZIP code

According to our analysis, you'll find the lowest auto insurance rates in North Carolina, specifically in the western part of the state. This lines up with our findings that the Tar Heel State has the lowest cost of car insurance overall, too.

ZIP code

Average annual cost

28745

$844

28753

$852

28905

$853

28748

$855

28701

$855

28719

$857

28716

$859

28721

$859

28805

$859

28751

$860

28709

$860

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Most expensive car insurance rates by ZIP code

Conversely, areas in Brooklyn, New York have the highest average car insurance cost. Auto insurance in New York City is twice as expensive as the average cost in New York, and three times more expensive than the national average.

ZIP code

Average annual cost

11212

$6,944

11233

$6,937

11213

$6,930

11234

$6,930

11235

$6,930

11207

$6,925

11210

$6,912

11225

$6,898

11239

$6,873

11203

$6,873

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Car insurance rates in the highest population ZIP codes

ZIP codes with the most people [1] span across states, from Chicago to El Paso to Los Angeles. The average population for these ZIP codes is over 100,000 people, and the average cost is over $3,500 a year.

ZIP code

Average annual cost

60629

$2,128

79936

$1,843

11368

$4,450

90650

$2,018

90011

$2,611

91331

$2,405

11226

$6,763

90201

$2,141

11373

$4,424

11220

$6,512

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Car insurance rates in the lowest population ZIP codes

On the other hand, sparsely populated areas [2] are, unsurprisingly, in more rural areas. Auto insurance here runs about 10% less than the national average.

ZIP code

Average annual cost

19435

$1,660

21790

$1,476

23414

$1,301

35545

$1,696

58524

$1,491

59217

$1,996

61424

$1,329

62843

$1,325

82063

$1,395

82430

$1,388

88347

$1,364

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Based on ZIP codes with a population of at least 100.

Car insurance rates in the highest income ZIP codes

Drivers living in high income ZIP codes [3] don't necessarily pay the highest rates in the country, but they do pay more than the average driver. People who live in cities and suburbs just outside them, like Boston and Newark, pay about 23% more than the national average.

ZIP code

Average annual cost

02030

$1,459

07078

$2,283

10282

$4,043

10514

$2,167

11724

$2,802

11765

$2,905

19085

$1,942

20129

$1,304

22027

$1,439

40025

$2,188

58339

$1,378

77010

$2,218

94024

$1,606

94027

$1,827

94957

$1,940

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Car insurance rates in the lowest income ZIP codes

But drivers in low income [4] areas - largely in the South and Midwest - also pay about 6% over the national annual average.

ZIP code

Average annual cost

71659

$1,983

64147

$1,651

40997

$2,445

87005

$1,448

44503

$1,258

41843

$2,631

70082

$3,163

87064

$1,583

61602

$1,384

86540

$1,550

44702

$1,099

38781

$1,696

53706

$996

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Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. US Census Bureau

    . "

    US Census Bureau 2019 American Community Survey (ACS) 5-Year Estimates Total Population report

    ." Accessed January 06, 2022.

  2. US Census Bureau

    . "

    US Census Bureau 2019 American Community Survey (ACS) 5-Year Estimates Total Population report

    ." Accessed January 06, 2022.

  3. US Census Bureau

    . "

    US Census Bureau 2019 American Community Survey (ACS) 5-Year Estimates Income in the Past 12 Months report

    ." Accessed January 06, 2022.

  4. US Census Bureau

    . "

    US Census Bureau 2019 American Community Survey (ACS) 5-Year Estimates Income in the Past 12 Months report

    ." Accessed January 06, 2022.

Author

Colin Lalley is the content director for home and auto insurance at Policygenius, where he leads our property & casualty editorial teams. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.

Expert reviewer

Britta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

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