Car insurance · Your State

Some ZIP Codes in Your State Pay Far More for Car Insurance. Is Yours One of Them?

BumperZen Staff · Advertorial ·

Car on an open country road at sunset — Compare car insurance quotes in **your state**

Two neighbors with the same car and the same clean record can pay very different prices, and the reason is often the five digits on their mailbox. Insurers price by location, and the gap between the cheapest and priciest company for the same ZIP code can be wide.

Drivers who usually see the best quotes

You may be in line for some of the lower rates on the market if you:

Have car insurance right now
Are 30 or older
Drive under 70 miles a day
Live in a ZIP code that insurers rate favorably

No tickets in the past three years? That can lower the number further.

An example of what comparing can turn up

Illustrative scenario, not a real customer. Picture a retired couple who has renewed with the same company for years without looking around. Their mileage dropped after leaving work, but their premium kept creeping up. When they finally entered their ZIP code and compared, other insurers priced the same coverage lower, because their profile had changed and their old price never caught up.

Example old 6-month car insurance statement: 6 month premium $717.04, about $119.50 a month — *Example savings, for illustration only and not a quote. Your price depends on your driver profile, vehicle, ZIP code, coverage and insurer.

Example new 6-month car insurance statement: 6 month premium $354, about $59 a month or $13.62 a week — *Example savings, for illustration only and not a quote. Your price depends on your driver profile, vehicle, ZIP code, coverage and insurer.

The takeaway: don't renew without comparing, and use a comparison that reflects the discounts you actually qualify for, including ones tied to your state.

You're not stuck. If you already paid for the term, you can typically cancel and receive the unused balance back, minus any fee your insurer charges.

How to check your rate

Choose your state below to start the online check.
Enter your ZIP code and answer a few quick questions to see quote options from carriers in your area.