Find out car insurance rates for nearly every ZIP code in the country with CarInsurance.com's new tool.
The highest car insurance rates in the nation belong to Detroit, according to CarInsurance.com's analysis of rates for a 2016 Honda Accord with full coverage for nearly every ZIP code in the country.
Drivers can enter a ZIP code in CarInsurance.com’s average car insurance rates tool to see the average premium for the location, as well as the highest and lowest rates. You can get a customized rate by choosing from among six age groups for men and women and three coverage levels.
StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual PremiumMichigan48227Detroit$7,415$15,851$2,634New York11212New York$4,440$7,898$2,326Louisiana70117New Orleans$3,747$4,495$2,629Florida33135Coral Gables$3,310$5,710$1,500Pennsylvania19132Philadelphia$3,189$6,451$1,373Nevada89101Las Vegas$2,705$3,386$1,786Rhode Island02909Providence$2,573$3,533$1,297California90010Los Angeles$2,552$3,680$1,523Maryland21216Baltimore$2,423$2,852$1,903Kentucky40827Essie$2,405$4,353$1,082Connecticut06103Hartford$2,361$3,534$1,249Connecticut06105Hartford$2,361$3,534$1,249Connecticut06106Hartford$2,361$3,534$1,249Connecticut06112Hartford$2,361$3,534$1,249Connecticut06114Hartford$2,361$3,534$1,249Connecticut06120Hartford$2,361$3,534$1,249Wisconsin53206Milwaukee$2,203$4,886$1,077Massachusetts02119Boston$2,074$3,477$950Massachusetts02120Boston$2,074$3,477$950Massachusetts02121Boston$2,074$3,477$950Oklahoma74103Tulsa$2,058$3,764$1,110Oklahoma74106Tulsa$2,058$3,433$1,300Delaware19801Wilmington$2,051$2,781$1,416New Jersey07102Newark$1,987$2,734$1,080New Jersey07103East Orange$1,987$2,734$1,080New Jersey07104Belleville$1,987$2,734$1,080New Jersey07105Newark$1,987$2,734$1,080New Jersey07106East Orange$1,987$2,734$1,080New Jersey07107Belleville$1,987$2,734$1,080New Jersey07108Irvington$1,987$2,734$1,080New Jersey07111Irvington$1,987$2,734$1,080New Jersey07112Irvington$1,987$2,734$1,080New Jersey07114Newark$1,987$2,734$1,080New Jersey07175Newark$1,987$2,734$1,080New Jersey07184Newark$1,987$2,734$1,080New Jersey07188Newark$1,987$2,734$1,080New Jersey07189Newark$1,987$2,734$1,080New Jersey07191Newark$1,987$2,734$1,080New Jersey07192Newark$1,987$2,734$1,080New Jersey07193Newark$1,987$2,734$1,080New Jersey07195Newark$1,987$2,734$1,080New Jersey07198Newark$1,987$2,734$1,080New Jersey07199Newark$1,987$2,734$1,080Arizona85017Phoenix$1,984$2,554$1,364Missouri63147Saint Louis$1,856$2,960$1,064Georgia30310Atlanta$1,832$2,300$977Texas75242Dallas$1,780$2,937$1,072West Virginia25671Dingess$1,735$2,409$1,366West Virginia25685Naugatuck$1,735$2,409$1,366West Virginia25690Ragland$1,735$2,409$1,366DC20002Washington$1,724$2,913$713DC20003Washington$1,724$2,913$713DC20004Washington$1,724$2,913$713DC20005Washington$1,724$2,913$713DC20006Washington$1,724$2,913$713DC20007Washington$1,724$2,913$713DC20008Washington$1,724$2,913$713DC20009Washington$1,724$2,913$713DC20010Washington$1,724$2,913$713DC20011Washington$1,724$2,913$713DC20012Washington$1,724$2,913$713DC20015Washington$1,724$2,913$713DC20016Washington$1,724$2,913$713DC20017Washington$1,724$2,913$713DC20018Washington$1,724$2,913$713DC20019Washington$1,724$2,913$713DC20020Washington$1,724$2,913$713DC20024Fort Lesley J Mcnair$1,724$2,913$713DC20026Washington$1,724$2,913$713DC20032Bolling Air Force Base$1,724$2,913$713DC20036Washington$1,724$2,913$713DC20037Washington$1,724$2,913$713DC20045Washington$1,724$2,913$713DC20052Washington$1,724$2,913$713DC20057Washington$1,724$2,913$713DC20059Washington$1,724$2,913$713DC20064Washington$1,724$2,913$713DC20260Washington$1,724$2,913$713DC20374Washington$1,724$2,913$713DC20376Washington$1,724$2,913$713DC20388Washington$1,724$2,913$713DC20391Washington$1,724$2,913$713DC20398Washington$1,724$2,913$713DC20500Washington$1,724$2,913$713Illinois60636Chicago$1,693$2,479$976Colorado80219Denver$1,680$2,272$949Minnesota55103Saint Paul$1,678$2,133$1,217Tennessee38132Memphis$1,668$2,521$986Oregon97266Portland$1,662$2,018$1,274Hawaii96704Captain Cook$1,619$2,680$958Hawaii96710Hakalau$1,619$2,680$958Hawaii96718Hawaii National Park$1,619$2,680$958Hawaii96719Hawi$1,619$2,680$958Hawaii96720Hilo$1,619$2,680$958Hawaii96725Honalo$1,619$2,680$958Hawaii96726Honaunau$1,619$2,680$958Hawaii96727Honokaa$1,619$2,680$958Hawaii96728Honomu$1,619$2,680$958Hawaii96737Hawaiian Ocean View$1,619$2,680$958Hawaii96738Waikoloa$1,619$2,680$958Hawaii96739Keauhou$1,619$2,680$958Hawaii96740Holualoa$1,619$2,680$958Hawaii96743Kamuela$1,619$2,680$958Hawaii96749Hawaiian Paradise Park$1,619$2,680$958Hawaii96750Kealakekua$1,619$2,680$958Hawaii96755Halaula$1,619$2,680$958Hawaii96760Hawaiian Acres$1,619$2,680$958Hawaii96764Laupahoehoe$1,619$2,680$958Hawaii96771Fern Acres$1,619$2,680$958Hawaii96772Naalehu$1,619$2,680$958Hawaii96773Ninole$1,619$2,680$958Hawaii96774Ookala$1,619$2,680$958Hawaii96776Paauilo$1,619$2,680$958Hawaii96777Pahala$1,619$2,680$958Hawaii96778Ainaloa$1,619$2,680$958Hawaii96780Papaaloa$1,619$2,680$958Hawaii96781Papaikou$1,619$2,680$958Hawaii96783Pepeekeo$1,619$2,680$958Mississippi39086Hermanville$1,591$2,235$1,118Arkansas72342Helena-West Helena$1,590$1,987$1,216Washington98404Midland$1,589$1,933$1,371Kansas66115Kansas City$1,577$2,489$899Wyoming82222Lance Creek$1,565$2,032$1,125Wyoming82701Newcastle$1,565$2,032$1,125Wyoming82710Aladdin$1,565$2,032$1,125Wyoming82711Alva$1,565$2,032$1,125Wyoming82712Beulah$1,565$2,032$1,125Wyoming82714Devils Tower$1,565$2,032$1,125Wyoming82715Four Corners$1,565$2,032$1,125Wyoming82720Hulett$1,565$2,032$1,125Wyoming82721Carlile$1,565$2,032$1,125Wyoming82723Osage$1,565$2,032$1,125Wyoming82729Sundance$1,565$2,032$1,125Wyoming82730Upton$1,565$2,032$1,125Alabama35208Birmingham$1,542$2,271$880South Carolina29810Allendale$1,537$1,837$1,270New Mexico87121Albuquerque$1,518$2,146$1,208North Dakota58538Fort Yates$1,498$2,934$785Utah84104Salt Lake City$1,425$1,790$766Nebraska68110Omaha$1,423$1,792$1,139New Hampshire03841Hampstead$1,371$1,993$616Alaska99504Anchorage$1,331$1,497$1,140Montana59926Martin City$1,318$1,907$822Montana59901Evergreen$1,318$1,907$822Montana59912Columbia Falls$1,318$1,907$822South Dakota57551Martin$1,293$1,585$960Indiana46402Gary$1,274$1,664$825Ohio44504Youngstown$1,242$1,881$804North Carolina28310Fort Bragg$1,237$1,629$802Iowa51501Council Bluffs$1,178$1,747$772Virginia22312Alexandria$1,165$1,443$829Idaho83536Kamiah$1,031$1,782$716Maine04549Boothbay$1,024$1,384$564Vermont05079Vershire$1,000$1,306$474
Car insurance companies a-sess 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 a-sign 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. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. Every car insurance company uses its own base rate and formula, which is why rates can vary so much, and why it's important to comparison shop.
StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual PremiumOhio43420Fremont$804$1,122$541Ohio45828Coldwater$804$1,102$570North Carolina28778Asheville$813$1,034$544Illinois61761Normal$818$1,168$517Virginia24060Blacksburg$819$972$676Indiana47901Lafayette$838$1,339$560Idaho83706Boise City$855$1,406$625Maine04005Biddeford$861$1,223$463Massachusetts02554Nantucket$877$1,158$678Massachusetts02564Siasconset$877$1,158$678Iowa50012Ames$907$1,482$596South Dakota57201Watertown$913$1,514$644Vermont05446Burlington$914$1,158$486Vermont05403Burlington$914$1,158$487Alaska99820Angoon$937$1,155$834Nebraska68512Lincoln$969$1,191$693Washington99136Hay$987$1,208$838Missouri65109Jefferson City$1,002$1,551$647Minnesota56088Truman$1,003$1,299$804Arizona86403Lake Havasu City$1,009$1,281$770New Hampshire03264Plymouth$1,010$1,434$556Tennessee37692Unicoi$1,019$1,518$676South Carolina29672Seneca$1,051$1,359$808Georgia31632Hahira$1,057$1,379$600California93441Los Olivos$1,071$1,503$641Texas76901Grape Creek$1,081$1,592$804Utah84721Cedar City$1,086$1,402$674New Mexico88310Alamogordo$1,092$1,823$776New York14830Corning$1,094$1,574$690North Dakota58204Grand Forks$1,099$2,042$703North Dakota58205Grand Forks$1,099$2,044$703North Dakota58207Grand Forks$1,099$2,044$703Oregon97330Corvallis$1,106$1,549$791New Jersey07979Pottersville$1,107$1,422$649Montana59635East Helena$1,108$1,718$710Maryland21742Fountainhead-Orchard Hills$1,111$1,709$893Kansas67117North Newton$1,114$1,655$738Wisconsin54136Kimberly$1,116$2,272$530Mississippi39759Sessums$1,146$1,845$689Mississippi39762Starkville$1,146$1,845$689Alabama36467Opp$1,146$1,470$711Mississippi39743Crawford$1,146$1,668$775Pennsylvania16801Boalsburg$1,166$2,409$489Nevada89445Winnemucca$1,175$1,665$905West Virginia25401Martinsburg$1,184$1,645$942Colorado80521Fort Collins$1,196$1,449$721Arkansas72719Centerton$1,222$1,710$803Kentucky42301Owensboro$1,244$2,017$773Rhode Island02835Jamestown$1,254$1,537$939Hawaii96703Anahola$1,261$2,026$780Hawaii96705Eleele$1,261$2,026$780Hawaii96714Hanalei$1,261$2,026$780Hawaii96716Hanapepe$1,261$2,026$780Hawaii96722Princeville$1,261$2,026$780Hawaii96741Kalaheo$1,261$2,026$780Hawaii96746Kapaa$1,261$2,026$780Hawaii96747Kaumakani$1,261$2,026$780Hawaii96751Kealia$1,261$2,026$780Hawaii96752Kekaha$1,261$2,026$780Hawaii96754Kilauea$1,261$2,026$780Hawaii96756Koloa$1,261$2,026$780Hawaii96766Hanamaulu$1,261$2,026$780Hawaii96769Makaweli$1,261$2,026$780Hawaii96796Waimea$1,261$2,026$780Delaware19944Fenwick Island$1,353$1,917$959Wyoming82327Elk Mountain$1,423$1,843$1,122Wyoming82334Sinclair$1,423$1,843$1,122Wyoming82615Casper$1,423$1,843$1,122Oklahoma73542Frederick$1,437$2,048$830Florida32693Fanning Springs$1,443$1,955$996Connecticut06475Fenwick$1,541$2,259$844Louisiana71439Hornbeck$1,671$2,046$1,123DC20001Washington$1,704$2,913$713Michigan49418Grandville$1,897$2,872$847
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
