See Car Insurance Rates by Zip Code
Compare car insurance rates by ZIP code below, or get personalized quotes from top insurers like GEICO, Progressive, Allstate, and more in minutes.
Why you can trust The Zebra
The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance rates by city
Car insurance quotes are incredibly specific. Your car insurance costs will change based on your vehicle, driving record and location — right down to your ZIP code.
If you were to move across town, your car insurance premium could get cheaper or more expensive, depending on your new ZIP code. Choose a city below to find out more.
Key takeaways
- In 2026, Detroit, Michigan ranks as the most expensive city for car insurance — $5,300 per year.[1]
- New York City is the second-priciest location for auto insurance, with an average cost of over $4,700.
- Rates are the cheapest in Raleigh, North Carolina, with Charlotte coming in second.
- Overall, Vermont and Idaho are the cheapest states for car insurance, while Florida and Louisiana are the most expensive.
Car insurance calculator by ZIP code
Input some basic information along with your ZIP code in the calculator below to estimate how much your auto insurance could cost.
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Why does your city matter?
Every city has its own set of risks when it comes to setting insurance premiums. Imagine bustling cities with lots of traffic and, sometimes, higher crime rates. Because of these factors, insurance companies might see these places as riskier and might charge more to cover the potential extra costs. Plus, in bigger cities, things like repairs and labor can cost more, which also drives up insurance rates.
Then there are places like Florida and Louisiana. These states often face natural disasters like hurricanes and floods because of their locations near the coast, which means car insurance can get pretty expensive there.
While where you live is a key factor in determining your insurance rates, it's not the only thing insurers look at. They also consider other factors like age, driving history, past insurance records and even your credit score. It's all part of how they figure out how much to charge you. It's a complex mix, but it's all about assessing risk.
"If you live in an expensive ZIP code, here are some things you can do to save: have at least six months of prior insurance or keep the insurance you're signing up for at least six months, and stick with the state minimum for liability. If you are a homeowner, provide proof of ownership to get a discount. If you're a renter, add and bundle renters as it provides extra discounts."
Cassie Greenwood — Licensed insurance advisor at The Zebra
Get personalized insurance rates in less than 5 minutes.
Cost of car insurance in the top 50 cities
Knowing what the average premium is in your city is a great jumping-off point before shopping for your next policy as it will give you a baseline for you to recognize when a quote is fair. Just don't forget that if you have any other factors that insurance companies consider to be risky — like recent accidents or citations, spotty insurance history or bad credit — you can expect your quotes to be higher.
Updating data...
| City | Avg. Annual Premium | Rank | price_diff_most | price_diff_least |
|---|---|---|---|---|
| New York City | $6,357 | 1 | $0 | $4,927 |
| New Orleans | $5,745 | 2 | $612 | $4,315 |
| Detroit | $5,602 | 3 | $755 | $4,172 |
| Miami | $4,915 | 4 | $1,442 | $3,485 |
| Philadelphia | $4,268 | 5 | $2,089 | $2,838 |
| Baltimore | $3,973 | 6 | $2,384 | $2,543 |
| Las Vegas | $3,959 | 7 | $2,398 | $2,529 |
| Atlanta | $3,655 | 8 | $2,702 | $2,225 |
| Louisville | $3,601 | 9 | $2,756 | $2,171 |
| Jacksonville | $3,490 | 10 | $2,867 | $2,060 |
| Los Angeles | $3,455 | 11 | $2,902 | $2,025 |
| Colorado Springs | $3,426 | 12 | $2,931 | $1,996 |
| Denver | $3,422 | 13 | $2,935 | $1,993 |
| Phoenix | $3,272 | 14 | $3,085 | $1,842 |
| Houston | $3,171 | 15 | $3,186 | $1,741 |
| Dallas | $3,151 | 16 | $3,206 | $1,722 |
| Chicago | $3,082 | 17 | $3,275 | $1,653 |
| Kansas City | $2,977 | 18 | $3,380 | $1,547 |
| Washington, D.C. | $2,849 | 19 | $3,508 | $1,419 |
| San Francisco | $2,834 | 20 | $3,523 | $1,404 |
| San Antonio | $2,826 | 21 | $3,531 | $1,396 |
| Oakland | $2,820 | 22 | $3,537 | $1,390 |
| Mesa | $2,817 | 23 | $3,541 | $1,387 |
| Seattle | $2,793 | 24 | $3,564 | $1,364 |
| Fort Worth | $2,717 | 25 | $3,640 | $1,287 |
| Long Beach | $2,708 | 26 | $3,649 | $1,278 |
| Tucson | $2,667 | 27 | $3,690 | $1,237 |
| Memphis | $2,660 | 28 | $3,697 | $1,231 |
| Tulsa | $2,648 | 29 | $3,709 | $1,219 |
| Oklahoma City | $2,648 | 30 | $3,709 | $1,218 |
| Sacramento | $2,632 | 31 | $3,725 | $1,202 |
| Minneapolis | $2,628 | 32 | $3,729 | $1,199 |
| Austin | $2,624 | 33 | $3,733 | $1,194 |
| Portland | $2,541 | 34 | $3,816 | $1,112 |
| El Paso | $2,541 | 35 | $3,816 | $1,111 |
| Milwaukee | $2,419 | 36 | $3,938 | $990 |
| Wichita | $2,418 | 37 | $3,939 | $989 |
| San Jose | $2,412 | 38 | $3,945 | $982 |
| Fresno | $2,390 | 39 | $3,967 | $961 |
| Boston | $2,323 | 40 | $4,034 | $893 |
| San Diego | $2,297 | 41 | $4,060 | $867 |
| Albuquerque | $2,235 | 42 | $4,122 | $805 |
| Omaha | $2,164 | 43 | $4,193 | $734 |
| Cleveland | $2,113 | 44 | $4,244 | $683 |
| Virginia Beach | $2,090 | 45 | $4,267 | $660 |
| Nashville | $2,085 | 46 | $4,272 | $655 |
| Indianapolis | $1,886 | 47 | $4,471 | $457 |
| Columbus | $1,858 | 48 | $4,499 | $428 |
| Charlotte | $1,685 | 49 | $4,672 | $255 |
| Raleigh | $1,430 | 50 | $4,927 | $0 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
