Drivers can enter a ZIP code in CarInsurance.com's average car insurance rates tool to see the average premium for their location, as well as the highest and lowest rates. The difference between the highest and lowest rates is the amount you can potentially save on a policy by comparison shopping for the lowest price.
"We encourage drivers to scrupulously comparison shop, so they aren't leaving possibly hundreds of dollars on the table," said CarInsurance.com Editorial Director
The data shows that the average rate for full coverage has gone up 22% since 2017, which is the last time CarInsurance.com updated the rates by ZIP code tool. The current national average for full coverage is
By comparison shopping, the average savings for a full coverage policy is up to
Why focus on ZIP codes
ZIP codes tell insurers the risk level to cover consumers, based on the number and severity of car insurance claims in a local area. While factors like the driver's age, driving record and kind of car are also factored in, the ZIP code surprisingly reigns supreme.
CarInsurance.com finds that the most expensive ZIP codes are in
Use the ZIP Code Calculator and read the full report on CarInsurance.com.
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