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The highest car insurance rates in the nation belong to Detroit, according to CarInsurance.com's analysis of rates for a full coverage policy for nearly every ZIP code in the country.

ZIP codes in Brooklyn, New York and New Orleans, Louisiana rank second and third, respectively, behind Detroit, Michigan.

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.

Rankings were determined by identifying the highest ZIP code for car insurance in each state and then listing them in descending order.

The Top 10 Most Expensive ZIP Codes by State for Full Coverage Car Insurance are:

State ZIP Code City Average Rate Michigan 48226 Detroit $6,329 New York 11212 New York $5,703 Louisiana 70117 New Orleans $4,601 Nevada 89101 Las Vegas $3,768 California 91605 North Hollywood $3,767 Pennsylvania 19140 Philadelphia $3,710 Maryland 21216 Baltimore $3,443 Kentucky 40944 Goose Rock $3,435 Florida 33142 Brownsville $3,342 New Jersey 07111 Irvington $3,043

Most Expensive ZIP Codes for Car Insurance by State

To find the most expensive ZIP code for car insurance in every state, see the table below.

State ZIP Code City Average Rate Highest Rate Lowest Rate Michigan 48226 Detroit $6,329 $9,337 $3,120 New York 11212 New York $5,703 $9,172 $3,123 Louisiana 70117 New Orleans $4,601 $5,769 $3,707 Nevada 89101 Las Vegas $3,768 $5,983 $1,873 California 91605 North Hollywood $3,767 $5,082 $2,946 Pennsylvania 19140 Philadelphia $3,710 $5,304 $2,464 Maryland 21216 Baltimore $3,443 $4,209 $2,729 Kentucky 40944 Goose Rock $3,435 $5,748 $1,690 Florida 33142 Brownsville $3,342 $4,448 $1,511 New Jersey 07111 Irvington $3,043 $5,857 $1,734 Missouri 63115 St. Louis $3,018 $4,377 $2,113 Massachusetts 02119 Roxbury $2,943 $4,240 $1,468 Rhode Island 02909 Providence $2,875 $4,329 $1,424 Georgia 30035 Decatur $2,777 $3,942 $1,789 Illinois 60624 Chicago $2,721 $4,525 $1,749 Connecticut 06101 Hartford $2,667 $3,542 $1,233 Delaware 19736 Yorklyn $2,646 $4,463 $1,357 Arizona 85017 Phoenix $2,595 $3,752 $1,189 Texas 75241 Dallas $2,447 $4,419 $1,792 Colorado 80219 Denver $2,421 $3,327 $1,733 Wisconsin 53206 Milwaukee $2,306 $3,099 $1,422 Minnesota 55411 Minneapolis $2,292 $3,057 $1,458 DC 20016 Washington $2,188 $3,773 $1,042 Washington 98108 Boulevard Park $2,149 $3,070 $1,534 Oklahoma 74110 Tulsa $2,146 $2,538 $1,718 Montana 59089 Wyola $2,142 $2,853 $1,287 Tennessee 38118 Memphis $2,120 $2,806 $1,505 West Virginia 25621 Gilbert $2,119 $3,313 $1,579 Oregon 97266 Portland $2,068 $2,638 $1,387 South Dakota 57756 Manderson $2,067 $2,463 $1,594 Arkansas 72342 Helena-West Helena $2,066 $2,752 $1,676 Kansas 66115 Kansas City $2,066 $3,388 $1,466 South Carolina 29933 Miley $2,056 $2,288 $1,633 Mississippi 39086 Hermanville $2,036 $2,664 $1,781 New Mexico 87121 Albuquerque $2,030 $2,549 $1,584 Alabama 35208 Birmingham $1,991 $2,563 $1,374 Utah 84180 Salt Lake City $1,910 $2,618 $989 Nebraska 68110 Omaha $1,904 $2,436 $1,613 Alaska 99504 Anchorage $1,877 $2,220 $1,381 North Carolina 28212 Charlotte $1,867 $2,870 $973 Wyoming 82725 Recluse $1,844 $2,755 $1,072 North Dakota 58538 Fort Yates $1,793 $2,651 $1,349 Hawaii 96781 Papaikou $1,773 $2,646 $1,066 Indiana 46409 Gary $1,695 $2,234 $1,070 Iowa 51503 Council Bluffs $1,635 $2,165 $1,071 Ohio 43224 Columbus $1,524 $2,234 $744 Vermont 05060 Randolph $1,452 $2,253 $828 Virginia 22312 Alexandria $1,425 $2,347 $1,121 Idaho 83536 Kamiah $1,415 $2,386 $919 New Hampshire 03104 Manchester $1,294 $2,285 $870 Maine 04686 Wesley $1,186 $1,669 $658

Motor City Madness: Why are Car Insurance Rates so High in Detroit? Detroit is notorious for having the most expensive car insurance rates in the nation, due to a variety of factors, though recently passed auto reform laws could provide relief to Michigan drivers starting next year. For now, though, here are some of the reasons Detroit has the most expensive rates in the nation: Unlimited no-fault laws -- The state’s unique no-fault insurance laws that were in place for decades mandated lifetime medical care for those injured in car accidents, beyond what their health insurance pays. It also provided up to about $5,400 per month in lost wages for up to three years, regardless of who caused the accident. While recent auto legislation reform is underway that will eliminate mandated life-time medical payouts, it's too soon to tell how much this will lower rates for Michigan drivers.

Exorbitant Personal Injury Protection (PIP) claim costs – PIP is medical coverage for those injured in car accidents. From 2008 through 2017, PIP claim severity, or costs, increased 30%, according to the Insurance Research Council. Michigan led the way for stats with higher-than-average PIP cost increases for that time period – a 60% hike. However, under the new laws, starting in July 2020, you will be able to forego personal protection benefits entirely if you have health insurance such as an employer plan or Medicare. Other options will include sticking with unlimited coverage or choosing either $250,000 or $500,000 worth. So, lower rates should be realized at some point for Detroit (and Michigan) drivers.

Fraud: Critics of the no-fault laws in Michigan say that the system is vulnerable to fraud, as aggressive lawyers contribute to escalating numbers of lawsuits and seek to cash in by shuttling clients into unnecessary and costly medical treatments. This is compounded by hospitals charging higher fees for patients injured in car accidents, compared to standard patient costs. The state also lacks an insurance fraud oversight board or committee.

Uninsured motorists: Michigan has one of the highest uninsured driver rates, (ranked No. 4 for states with the highest uninsured driver rate) with an estimated 20% of motorists going without insurance, according to the latest Insurance Research Council study. But estimates for the uninsured rate in Detroit are even higher. In a commentary for the Coalition Protecting Auto No-Fault, Melvin Butch Hollowell, former Michigan insurance consumer advocate, put the number at 60%.

Economic struggles: In Michigan, car insurance companies review credit histories when setting rates, and those with poor credit pay are seen as high-risk by insurers, so they are charged more money. Michigan tops the list of the worst states for drivers with bad credit, paying an average of 167% more than those with good credit. The average FICO score for Detroit is 608 — among the lowest for large cities, according to Experian.

High theft rates: Detroit had Michigan's highest vehicle theft rate at 301 per 100,000 residents, according to a recent report by the National Insurance Crime Bureau. What ZIP Codes are the Lowest for Car Insurance Rates? The Top 10 Least Expensive Locations for Full Coverage Car Insurance Rates are: State ZIP Code City Average Annual Rate Maine 04735 Bridgewater $993 New Hampshire 03766 Lebanon $995 Ohio 45885 St. Marys $995 Virginia 24060 Blacksburg $1,005 Wisconsin 54952 Menasha $1,080 Massachusetts 02554 Nantucket $1,114 Indiana 46711 Berne $1,124 Idaho 83716 Boise City $1,138 Iowa 50014 Ames $1,149 North Carolina 28715 Candler $1,196 Least Expensive ZIP Codes for Car Insurance by State To Find the Least Expensive ZIP Code for Car Insurance in Every State, see the Table below. State ZIP Code City Average Rate Highest Rate Lowest Rate Maine 04735 Bridgewater $993 $1,666 $608 New Hampshire 03766 Lebanon $995 $1,796 $664 Ohio 45885 St. Marys $995 $1,530 $596 Virginia 24060 Blacksburg $1,005 $1,709 $771 Wisconsin 54952 Menasha $1,080 $1,598 $614 Massachusetts 2554 Nantucket $1,114 $1,554 $546 Indiana 46711 Berne $1,124 $1,784 $720 Idaho 83716 Boise City $1,138 $1,815 $779 Iowa 50014 Ames $1,149 $1,809 $872 North Carolina 28715 Candler $1,196 $1,747 $861 Tennessee 37604 Johnson City $1,223 $1,745 $906 Alaska 99820 Angoon $1,259 $1,744 $1,022 Nebraska 68512 Lincoln $1,275 $1,743 $972 Illinois 61761 Normal $1,283 $2,262 $806 Oregon 97401 Eugene $1,287 $1,966 $870 New York 14830 Corning $1,298 $1,718 $1,028 Arizona 86403 Lake Havasu City $1,299 $1,983 $748 Utah 84720 Cedar City $1,325 $1,694 $977 North Dakota 58104 Fargo $1,334 $2,344 $955 Washington 99163 Pullman $1,344 $1,729 $1,027 Pennsylvania 16801 Houserville $1,346 $2,068 $785 Vermont 5404 Winooski $1,349 $2,092 $812 Hawaii 96703 Anahola $1,362 $1,989 $901 West Virginia 25401 Martinsburg $1,373 $2,264 $1,078 Minnesota 56088 Truman $1,374 $1,991 $1,039 South Carolina 29691 Walhalla $1,378 $1,817 $986 New Mexico 88310 Alamogordo $1,396 $2,184 $993 Mississippi 39759 Mississippi State $1,409 $2,221 $1,022 Sout Dakota 57201 Watertown $1,413 $2,143 $1,074 Maryland 21767 Maugansville $1,430 $2,086 $1,094 Georgia 31605 Valdosta $1,464 $2,178 $1,010 Kansas 66030 Gardner $1,495 $2,014 $1,130 Arkansas 72745 Cave Springs $1,524 $2,232 $1,036 Colorado 81505 Grand Junction $1,524 $2,084 $1,036 Texas 76909 San Angelo $1,524 $2,582 $1,185 Alabama 36352 Newton $1,532 $2,034 $1,080 California 96067 Mount Shasta $1,536 $1,932 $1,070 Missouri 65536 Lebanon $1,549 $1,813 $1,130 Nevada 89835 Wells $1,587 $2,212 $1,174 Rhode Island 2840 Newport $1,587 $2,096 $763 Delaware 19930 Bethany Beach $1,604 $3,042 $1,034 Oklahoma 73552 Indiahoma $1,629 $2,250 $1,127 Kentucky 41075 Fort Thomas $1,645 $2,601 $1,002 Florida 32612 Gainesville $1,658 $2,499 $862 New Jersey 8720 Allenwood $1,668 $2,847 $1,060 Wyoming 82324 Elk Mountain $1,692 $2,510 $944 Montana 59635 East Helena $1,727 $2,521 $1,111 Connecticut 6340 Conning Towers Nautilus Park $1,774 $2,710 $689 Louisiana 71075 Cullen $1,983 $2,664 $1,656 DC 20001 Washington $2,164 $3,773 $1,042 Michigan 49126 Sodus $2,437 $4,357 $1,062 Average Rate up 22% from 2017 for Full Coverage When considering all locations in the U.S., CarInsurance.com's analysis showed a national average rate of $1,758 for full coverage. That's up 22% since 2017 when rate by ZIP data was last surveyed by the experts at CarInsurance.com. State required minimum coverage ticked up just 4%, while standard liability limits rose 16%. Coverage Level 2017 Average Rate 2020 Average Rate $ Difference % Difference State minimum $552 $574 $22 4% 50/100/50 $583 $674 $91 16% 100/300/100 $1,451 $1,758 $307 22% Rural Areas Generally Cheaper than Urban Areas for Car Insurance Drivers in rural areas generally pay less than drivers in urban areas. Rural areas have fewer cars on the road, so costs for insurers are lower because there are fewer accidents, claims and thefts. For example, Main ranks 38th in the nation for population density. In addition, Maine has a healthy car insurance market. “Thanks to a competitive market, Maine consumers are paying less for auto insurance than consumers in nearly every other state,” Insurance Superintendent Eric Cioppa stated in a recent press release. Maine also keeps its uninsured motorist rate low, very low. Maine has the lowest rate of uninsured drivers in the entire country with only 4.5% of drivers without coverage. This lowers an insurer’s risk, which results in better premiums for everyone. Each state’s car insurance laws also come into play, as some state minimum liability requirements are much lower than others. “Ohio has minimum limits of 25/50/25 for liability, with no requirement for PIP, which helps keep down rates,” says Penny Gusner, senior consumer analyst for CarInsurance.com. “Ohio also has a healthy car insurance market. With plenty of regional and national auto insurers, motorists have companies competing for their business and can readily obtain low car insurance premiums by shopping around and comparing rates.” Why Car Insurance Rates Vary so Much Among Insurance Companies? Car insurance companies assess 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 assign 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. To estimate car insurance costs, you can take into account your age, the level of coverage you need and your location. 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 to get the best cheap car insurance. For instance, CarInsurance.com’s rate analysis found the following potential savings, or the difference between the highest and lowest price, for the same policy: State minimum liability – average savings of 153%, or $497

Full coverage – average savings of 178%, or $1,647