Compare Auto Insurance Quotes by ZIP Code
Compare auto insurance rates by ZIP code the right way: same drivers, same car, same limits and same deductibles on every quote. Your ZIP brings in local theft, crash, weather and repair costs, and your state sets the minimum coverage you must carry.
Enter the ZIP code where your car is parked overnight. You will be taken to a partner form to request quotes.
What changes from one ZIP code to the next
Prices differ by thousands of dollars across the country, and the drivers of those differences are measurable. NAIC data show average annual spending ranging from $907 in North Dakota to $2,018 in Florida in 2024. The Insurance Research Council estimates that the share of uninsured drivers ranges from 5.7% in Maine to 28.2% in Mississippi. NICB counted more than 53,000 vehicle thefts in the Los Angeles metro area alone in 2025. And every state sets its own minimum coverage — from Florida, which requires no bodily injury liability, to North Carolina’s 50/100/50.
Read more in how your ZIP code affects car insurance rates and our step-by-step guide to comparing quotes by ZIP code.
Average car insurance spending: highest and lowest states
| Most expensive (2024) | Average spending |
|---|---|
| 1. Florida | $2,017.97 |
| 2. New York | $1,980.93 |
| 3. Louisiana | $1,880.42 |
| 4. District of Columbia | $1,840.36 |
| 5. Georgia | $1,757.98 |
| Least expensive (2024) | Average spending |
|---|---|
| 47. Idaho | $955.98 |
| 48. Vermont | $941.63 |
| 49. Hawaii | $934.69 |
| 50. Maine | $934.54 |
| 51. North Dakota | $907.25 |
The U.S. average was $1,431.63 in 2024, up 11.7% from 2023. See every state in our car insurance cost by state table. Source: NAIC 2024 Auto Insurance Database Average Premium Supplement.
Averages are not quotes. Enter your ZIP code to compare prices for your own car and coverage.
Start with your state
Our state guides combine official minimum requirements with cost, uninsured-driver, theft and crash data: Texas, Florida, California, New York, Georgia. See the full list on car insurance by state.
Understand what you are buying
- Minimum car insurance requirements by state — liability limits and required PIP or UM in all 50 states and D.C.
- Full coverage vs liability only — what collision and comprehensive add and when they are worth it.
- Uninsured motorist coverage by state — where uninsured drivers are most common.
- No-fault states — how PIP and lawsuit limits work.
- Car insurance companies — the largest insurers by market share.
Frequently asked questions
Does my ZIP code affect my car insurance rate?
Yes. Insurers price local risk, so your ZIP code brings in claim frequency, theft, traffic, weather and repair costs where your car is kept. State rules, which set minimum coverage, also apply. Two drivers with similar records can pay noticeably different prices just because they live in different ZIP codes.
How do I compare car insurance rates by ZIP code?
Enter the ZIP code where your car is parked overnight, then request quotes with the same drivers, vehicle, liability limits and deductibles from several insurers. Compare the full policy-term cost and the coverage included. Changing only one thing at a time shows what really drives the price difference.
Which ZIP code should I use for a car insurance quote?
Use the ZIP code where the car is normally garaged or parked overnight, which is usually your home address. Using a different ZIP to get a lower price is misrepresentation and can lead to a denied claim or a cancelled policy. Students and military members should ask about special garaging rules.
Will moving to a new ZIP code change my car insurance?
Usually, yes. When you move, your insurer recalculates the price using the new ZIP code's claims, theft, traffic and weather patterns, and a move to another state changes the minimum coverage rules too. Tell your insurer before or right after the move, and compare quotes because a different insurer may now be cheaper.
How AutoQuotesByZip works
We publish free guides and data, and our ZIP forms connect you with a partner quote form where you can request quotes. We are not an insurance company or an agency, we do not set prices, and we do not see the quotes you receive. We may be paid when you request quotes. Details are on how we make money; our sourcing rules are in the editorial policy.
Home insurance quotes by ZIP code
Request home insurance quotes for your ZIP code and compare dwelling, personal property and liability limits side by side.
AutoQuotesByZip.com is an independent comparison and information website. We are not an insurance company, and we do not sell, underwrite or service policies. When you submit a ZIP code you are taken to a partner quote form, and we may be paid when you request quotes. See how we make money and our editorial policy.