Compare Auto Insurance Rates By Zip Code – There are many things to consider when determining how much you pay for car insurance. Age, gender, marital status, driving record and, perhaps most importantly, your home address are key factors. This makes it difficult to compare car insurance company rates without the hassle of getting specific quotes. That’s why we’ve crunched the numbers for you and created the latest map.
The information for our map comes from Insure.com, which provides a wealth of information on a variety of insurance products, including health, life and auto insurance. They worked with Quadrant Information Services to estimate auto insurance rates for a 40-year-old male looking for comprehensive coverage from 6 different major carriers. They collected prices for 10 zip codes for each state and looked for an average of the 2018 versions of America’s 20 best-selling cars. We’ve compiled the average annual premium as a heat map, making it easy and quick to see the states and regions with the best (and worst) premiums at a glance.
Compare Auto Insurance Rates By Zip Code
Good news? There are a few groups of states where insurance rates are relatively low. Across the Northeast, Vermont is one of the cheapest in the nation at just $932. The Midwest also has a handful of affordable states, ranging from Pennsylvania ($1,130) to Nebraska ($1,214). Oregon ($1,250), Idaho ($989) and Utah ($1,131) are also driver-friendly markets.
Compare Average Car Insurance Rates By Zip Code In 2023
Up the price scale, 19 states are colored yellow, representing the mid to high range of car insurance prices. One of the most interesting states in this group is New York, where median prices include prices in New York City and upper rural areas. Insurance rates in metro areas are likely to be significantly higher than $1,361.
Also at the high end of the spectrum are 9 states, which we define as $1,600 or more, or about $133 per month. Many explanations come to mind as to why insurance is so expensive in these states. Insurance is regulated at the state level. For example, Michigan is the most expensive in the nation at $2,239, more than $1,000 more than neighboring Ohio. Part of the explanation for this has to do with state-mandated no-fault insurance policies. This allows people to claim insurance proceeds from the company regardless of who is at fault for the accident, and according to the Insurance Information Institute, Florida and Michigan are the two states with no-fault clauses that make it easier to get money from your car insurance. companies.
Not surprisingly, California ranks first as one of the most populous and most trafficked states in the country. Los Angeles is literally the most crowded city in America. The pink and red group of states from Louisiana ($2,126) to Georgia ($1,668) and Florida ($2,050) also make a lot of sense. Each has large metro areas affected by hurricanes. Mississippi ($1,410) and Alabama ($1,235) have no large cities. Connecticut ($1,831) and Rhode Island ($1,852) also lead the wealthiest cities in New York, not to mention that winters in the Northeast can be especially harsh for drivers.
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When setting rates, insurance companies pay a lot of attention to location. Moving to a new neighborhood, even within the same index, may warrant a speed increase. Check out our cost of living tool to learn more.
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Car Insurance Rates By City
Compare average car insurance rates by zip code and state to see the price you can pay for insurance in your neighborhood.
Laura is an award-winning editor with content and communications experience in auto insurance and personal finance. He has written for several media outlets, including the USA Today Network. He most recently worked in the public sector at the Nevada Department of Transportation.
John is the Editorial Director of Insurance.com and Insure.com. Prior to joining QuinStreet, John was a deputy editor at The Wall Street Journal and an editor and reporter at numerous other media outlets, where he covered insurance, personal finance and technology.
Average Cost Of Car Insurance (2023)
Interested in average car insurance rates in your area? Check average car insurance rates by postcode with our postcode car insurance calculator below, which shows the highest and lowest rates from up to six major insurers on a single policy.
Average car insurance rates can vary widely between carriers because insurance companies use different information to determine how much you’ll pay. In addition to your age, driving history and other information, location is an important factor in how insurers calculate rates. And there can be a big difference between the highest and lowest car insurance rates, so you should shop around.
For example, Michigan residents pay the highest average insurance rates in the country with an annual premium of $3,141, followed by Nevada, Kentucky, Washington, D.C. and Florida residents.
These Are The Top Five Factors That Influence Your Auto Insurance Rate
Use our car insurance calculator to get a personalized quote by postcode. Click the “Start Shopping” button. Alternatively, select your postcode, age group, gender and one of three coverage levels on the left side of the tool and click Update Rates.
California auto insurance rates by zip code Enter your ZIP avg. Then enter the age, gender and coverage level of the custom level.
State Minimums: Liability coverage required to legally drive in your state; some states require additional coverage, such as personal injury coverage, uninsured motorist coverage, underinsured motorist coverage. 50/100/50 Liability Only: $50,000 per person/$100,000 maximum per accident resulting in bodily injury; $50,000 for property damage. Liability pays for injuries/damages you cause to others. Comprehensive coverage 100/300/100: $100,000 per person / $300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive coverage and collision with a $500 deductible. Liability pays for injuries/damages you cause to others. Comprehensive insurance and damage insurance for your car.
Average Car Insurance Rates By Age
Obliged Quadrant Information Services to report the average 2017 Honda Accord car insurance rates for almost every zip code in the US. We calculated prices using data from up to six major carriers. The average expected monthly insurance result for a 30-year-old driver is based on the minimum liability insurance. Average custom rates are based on driver age and gender for the following coverage levels: state minimum liability, 50/100/50 and 100/300/100 liability with a $500 comprehensive and collision deductible. These hypothetical drivers have clean records and good credit. The average is for comparison. Your personal rate depends on personal factors and your vehicle.
Comparing car insurance rates is easier if you first gather information to get an accurate quote, such as:
While insurance rates based on some of these driving-related factors may be controversial, this is common practice. But even if you don’t mind some or all of these factors, there are things you can do to lower your car insurance rate.
Compare Car Insurance Quotes & Rates (2023)
Michael DeLong, Research and Advocacy Officer for the Consumer Federation of America (CFA), emphasizes the importance of comparing quotes from multiple auto insurers.
“Take an hour or two to look at insurers’ policies, it’s worth your time,” he says. “In some cases, this can save you hundreds of dollars a year or more.” Users can also search for discounts or take defensive driving courses.
In the table below, the average savings is the average dollar difference between the highest and lowest rates of insurers for zip codes surveyed in each state.
Factors That Affect Car Insurance Rates (2023)
No matter where you are, experts say you can save big by comparison shopping. For example, in Michigan, the state with the highest savings, the difference between the highest and lowest rates is $4,837. But even in Alaska, which has the lowest savings, the difference is $972.
Car insurance companies consider many factors when determining rates, location being one of them. Based on the number, severity or value of auto insurance claims in a given area, insurers assign zip codes to appropriate levels of risk.
For example, insurers look at the frequency of theft, collisions and vandalism to determine the likelihood of such incidents happening to drivers in a zip code. This is how insurers calculate the base premium rate in most states, with California being an exception.
Cheap Ohio Car Insurance
Other pricing factors such as your driving record, the type of vehicle you own
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