How to Get Gap Insurance After Buying a Car

Our mission is to help you make educated insurance decisions with confidence. We have an advertising relationship with some of the offers included on this page. However, this doesn't influence our editorial judgment or recommendations. The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions.

Using our car insurance ZIP code calculator below, you can see average car insurance rates by ZIP code, as well as the highest and lowest rate fielded from up to six major insurers for the same policy. Car insurance companies use different formulas when deciding how much you pay, which is why the cost for coverage can vary significantly among carriers. The difference between the highest and lowest rate is the amount you could wind up saving by shopping around for the lowest price.

California Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

94404 Foster City

For30 Year Old Male (Type: Liability - Minimum )

Average Monthly Premium

$46

Highest Rate $56/mo.

Lowest Rate $26/mo.

Compare personalized quotes from up to 20 companies in California now

MOST & LEAST EXPENSIVE ZIP CODES in California

MOST EXPENSIVE PER MONTH
91205 - Glendale: $91
90212 - Beverly Hills: $91
90038 - Los Angeles: $91
91203 - Glendale: $90

LEAST EXPENSIVE PER MONTH
96107 - Coleville: $33
96093 - Weaverville: $34
93513 - Big Pine: $34
96027 - Etna: $34

Methodology

How we researched it?

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers' ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Use our average car insurance rates tool above to compare rates. Enter a ZIP code to see the average monthly premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the "Start Shopping Now" button above.

Key Highlights

• Car insurance companies use different formulas to determine rates which results in the average cost of car insurance differing significantly between carriers.
• Our tool for calculating average auto insurance rates by ZIP code enables you to determine if what you're paying is the best value or if you should shop around.
• If you're considering a move, our tool can help you determine which ZIP code is cheaper for car insurance.
• Shopping around for the best car insurance near you may save you up to 178% each year.

Compare car insurance rates by ZIP code to save money on the cost of car insurance

Our average car insurance rates tool above lets you compare auto insurance rates by ZIP code. The difference between the highest and lowest rate is what you can save if you shop around for coverage. You can also read our guide on how to estimate car insurance costs, which includes taking into account the amount of coverage you need, your age and your location, among other factors. For now, to make it easier for you to see the potential savings, we've done the math for you.

In the table below, you'll see the average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes.

Key Findings Reveal That:

• The average savings nationwide after comparing car insurance quotes for a full coverage policy is $1,647 a year
• The average percentage savings after comparing car insurance quotes is 178% a year

Regardless of your location, you can still net a significant savings by comparison shopping, based on a rate analysis by CarInsurance.com's experts. In Michigan, the state with the highest potential for savings, the difference between the highest and lowest rates is $4,837. But even in Alaska, where savings are the lowest, the difference is $972.

The states where drivers can save the most, on average per year, by comparing car insurance quotes are, based on a rate analysis of up to six major carriers in each ZIP code:

• Michigan – $4,837
• Kentucky – $2,805
• D.C. – $2,731
• Delaware – $2,718
• New Jersey – $2,579

States where drivers save the least, on average, are:

• Alaska – $972
• Nebraska – $974
• Missouri – $1,026
• Utah – $1,077
• Iowa – $1,114

State	Average Rate	Average Highest Rate	Average Lowest Rate	Average $ Savings	Average % Savings
Michigan	$3,141	$5,899	$1,062	$4,837	455%
Kentucky	$2,368	$3,749	$944	$2,805	297%
DC	$2,188	$3,773	$1,042	$2,731	262%
Delaware	$1,921	$3,738	$1,020	$2,718	266%
New Jersey	$1,993	$3,569	$990	$2,579	261%
Nevada	$2,402	$3,626	$1,154	$2,472	214%
Connecticut	$2,036	$3,029	$689	$2,340	340%
Florida	$2,162	$3,079	$850	$2,229	262%
Rhode Island	$2,040	$2,992	$763	$2,229	292%
Texas	$1,823	$3,065	$997	$2,068	207%
Arizona	$1,783	$2,742	$702	$2,040	291%
New York	$2,062	$2,799	$824	$1,975	240%
Louisiana	$2,601	$3,345	$1,429	$1,916	134%
Illinois	$1,538	$2,632	$763	$1,869	245%
Georgia	$1,865	$2,724	$1,010	$1,714	170%
Pennsylvania	$1,700	$2,496	$785	$1,711	218%
Wyoming	$1,782	$2,547	$944	$1,603	170%
Colorado	$1,948	$2,631	$1,036	$1,595	154%
Massachusetts	$1,466	$2,134	$546	$1,588	291%
California	$2,125	$2,593	$1,052	$1,541	146%
Oregon	$1,496	$2,362	$837	$1,525	182%
Maryland	$1,816	$2,558	$1,044	$1,514	145%
West Virginia	$1,654	$2,576	$1,064	$1,512	142%
Montana	$1,963	$2,605	$1,111	$1,494	134%
Hawaii	$1,589	$2,321	$890	$1,431	161%
Arkansas	$1,763	$2,447	$1,036	$1,411	136%
Idaho	$1,285	$2,078	$673	$1,405	209%
Vermont	$1,410	$2,212	$812	$1,400	172%
New Mexico	$1,604	$2,334	$951	$1,383	145%
North Dakota	$1,577	$2,324	$949	$1,375	145%
New Hampshire	$1,086	$1,999	$664	$1,335	201%
Mississippi	$1,684	$2,353	$1,022	$1,331	130%
North Carolina	$1,425	$2,064	$767	$1,297	169%
Washington	$1,620	$2,248	$962	$1,286	134%
Wisconsin	$1,335	$1,890	$605	$1,285	212%
Alabama	$1,713	$2,299	$1,036	$1,263	122%
Kansas	$1,689	$2,347	$1,085	$1,262	116%
Minnesota	$1,619	$2,262	$1,013	$1,249	123%
Oklahoma	$1,815	$2,376	$1,127	$1,249	111%
Ohio	$1,191	$1,781	$537	$1,244	232%
Indiana	$1,266	$1,894	$672	$1,222	182%
Virginia	$1,196	$1,927	$712	$1,215	171%
Maine	$1,080	$1,711	$536	$1,175	219%
South Dakota	$1,643	$2,213	$1,062	$1,151	108%
Soutn Carolina	$1,653	$2,118	$986	$1,132	115%
Tennessee	$1,493	$2,028	$906	$1,122	124%
Iowa	$1,352	$1,955	$841	$1,114	132%
Utah	$1,492	$1,877	$800	$1,077	135%
Missouri	$1,798	$2,152	$1,126	$1,026	91%
Nebraska	$1,500	$1,946	$972	$974	100%
Alaska	$1,560	$1,994	$1,022	$972	95%
National average	$1,758	$2,557	$910	$1,647	178%

The average state rate is comprised by averaging premiums for 2019 Honda Accord, male driver age 30, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle. Slight differences in some averages are due to rounding rates.

Average Car Insurance Rates by Coverage Level

When deciding how much coverage to buy, the best advice is to get as much as you can afford. State minimum car insurance is required to drive legally, but rarely provides enough financial protection to prevent you from paying out-of-pocket for even relatively minor accidents that you cause.

Also, buying state minimum levels of insurance means you are getting a policy that only has liability insurance. Any damage to your own car is not covered under liability car insurance. The good news is that boosting your liability limits is usually super cheap. And, buying "full coverage," a policy with comprehensive insurance and collision coverage, typically doesn't cost that much more than bare-bones coverage.

For example, listed below is the average cost of car insurance for three coverage levels, as follows:

• State minimum, this varies by state, and many states have super low limits, but a typical amount is $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25)
• Liability limits of $50,000 for injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50)
• Full coverage with comprehensive and collision, which cover damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100)

Rate	State Minimum	50/100/50	100/300/100
Average Rate	$574	$644	$1,758
Monthly Average Rate	$48	$54	$147

Based on CarInsurance.com's rate analysis, you pay:

• $70 (about $6 monthly) more a year to bump coverage to 50/100/50 from state minimum
• $1,184 ($99 monthly) more a year to bump coverage to 100/300/100 from state minimum

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%

When Should I Compare Car Insurance Rates to Get the Best Price?

Many factors affect your car insurance rates, and if any of them changed, it's possible that the cheapest policy will come from a different insurer.

CarInsurance.com Senior Consumer Analyst Penny Gusner says you should compare car insurance rates at these times, when your rates are likely to change significantly:

• You bought a car
• You added a teen driver to your policy
• You got married or divorced
• Your credit score changed
• You bought a house or moved
• You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months, says Gusner. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don't have a life-changing event. That means you can wind up overpaying if you don't compare insurance rates from several companies at least once a year. Some insurance companies may charge you a lot more after, say, a credit ding or speeding ticket, while others may charge you much less.

For example, CarInsurance.com data show the average driver with bad credit can potentially trim an average of about $1,000 from their yearly policy cost by comparing car insurance companies. Here's how rates compare for drivers with bad credit for a full coverage policy:

• Geico – $2,084
• Nationwide – $2,244
• Progressive – $2,644
• Allstate – $2,906
• State Farm – $3,012
• Farmers – $3,039

Another example – speeding tickets. Here are how companies compared on full coverage rates after a minor speeding violation, according to CarInsurance.com data, showing an average savings of about $800:

• Geico – $1,449
• State Farm – $1,807
• Nationwide – $1,900
• Progressive – $1,916
• Farmers – $2,146
• Allstate – $2,239

If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run.

Compare car insurance rates by ZIP Code: Most and least expensive by state

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 in most states -- California is one exception. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. You'll see in the table below how much price varies among ZIP codes. To see how location affects rates, below we compare auto insurance rates by ZIP code in each state, to see the most and least expensive neighborhoods for car insurance.

To find the least expensive ZIP code for car insurance in every state, see the table below. Enter a state in the search field to narrow results.

State	ZIP Code	City	Average Annual 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	02554	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	05404	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
South 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	02840	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	08720	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	06340	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

To see the most expensive ZIP code for car insurance in every state, see the table below. Enter a state in the search field to narrow results.

State	ZIP Code	City	Average Annual 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

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2019 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

Averages for the tables are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. Your own rate will depend on your personal factors and vehicle.

How to Find Average Rates by ZIP Code for your State?

If you want to see what you can expect to pay in your city or town for the coverage level you want, you can do that using our average rate tool on this page, but if you want more details on how car insurance costs compare, our state car insurance guides offer more granular rate analysis. For instance, you can research California car insurance rates by ZIP code at our California Auto Insurance page, where you will also find rates by coverage level and company, as well as advice on how much coverage to buy. Even if you live in a pricey state for car insurance, for instance, Florida, you can see how much you can expect to save by comparison shopping. In addition to Florida car insurance rates by ZIP code, you'll see which companies have the lowest rates at our Florida Car Insurance page.

How We Calculated Our Average Rates by ZIP Code?

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates nearly every ZIP code in the United States for various driver profiles and coverage levels for a 2019 Honda Accord. We calculated rates using data for up to six major carriers. Your own rate will depend on your personal factors and vehicle.

How to Get Gap Insurance After Buying a Car

Source: https://www.carinsurance.com/calculators/average-car-insurance-rates.aspx

Share this post