Car insurance ZIP code calculator

For a customized rate by ZIP code, use our car insurance calculator below. Get rolling by clicking the “Start Shopping” button. Or, on the left-hand side of the tool, select your ZIP code, age group, gender and one of three coverage levels and click “Update Rates.” Car Insurance Rates by ZIP Code Enter ZIP for average rate.

How much does car insurance cost in your zip code?

Because your location - down to your ZIP code - helps determine how much your 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 $1,652, that changes a lot depending on the exact ZIP code.

How do I find the average car insurance rates for me?

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 entering your age, gender and preferred coverage level.

What is the garaging ZIP code for car insurance?

Typically, that’s where you live, at your primary residence, and so the ZIP code in your address would be the garaging ZIP. Typically, insurers will determine your location as the first step in setting a base car insurance rate, and then the cost is adjusted up or down from there, depending on other variables.

How are car insurance rates calculated?

An insurance company looks at a driver's complete profile to set the policy's rates. A driver's profile includes several factors, some of which are...

How much will my car insurance be?

Your car insurance premium is based on a number of personal and geographical factors. Also, every car insurance quote will vary from one insurer to...

Is $100 a month expensive for car insurance?

The average cost of car insurance is $124 per month, making $100 a month less than average. Still, the answer depends on the type of coverage that...

How does a driver's record influence insurance rates?

The amount a driver pays for insurance is based on several factors. These considerations, including location, age, gender, marital status, credit s...