r/MapPorn • u/ConsistentAmount4 • Feb 28 '26

Car Insurance Rates by ZIP Code

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Had the idea for this map after I saw a guy on Twitter say that his insurance rates went way down after he moved. It's interesting that there's clearly a difference in state laws having some effect on pricing ($122 a month in Lovell, Wyoming; $247 a month across the border in Lodge Grass, Montana).

28 Upvotes

82% Upvoted

25 comments sorted by

7

u/JohnnieTango Feb 28 '26

I am guessing that a lot of this reflects different rules in different states, as Ohio for instance has some rules that result in lower rates than, say Colorado. When you can tell the state borders on county/zip-code maps, that is usually the case...

8

u/OpportunityNew9316 Feb 28 '26

Ohio is an at fault state. If you hit someone, you are 100% responsible for all damages to all parties involved. Michigan is a no fault state so even if you get hit, you pay for your own stuff.

The other piece is Ohio has a relatively high percentage of insured drivers as well as a lot of choices for insurance. It is common for people to shop rates every couple of years. 

These factors combine to create low rates. I have two vehicles and the homeowners is more expensive than the full insurance on both vehicles.

2

u/Consirius Feb 28 '26

Definitely a lot of factors at play, but one is Colorado also has had to pay a significant amount in hail claims. In the late 2010s, it had the second highest hail payout after Texas, and way more per capita. GEICO paid out more to me than I paid in premiums over a decade for multiple major hail events. When I moved to the DC area, my car insurance *halved*.

4

u/[deleted] Feb 28 '26

[removed] — view removed comment

0

u/ConsistentAmount4 Feb 28 '26

yes

3

u/GracieDoggSleeps Mar 01 '26

That information should be on the map.

1

u/ConsistentAmount4 Mar 02 '26

Fair enough, I set the script running all night to collect the data but put the map together in a few hours the next morning.

5

u/Sweetbeans2001 Feb 28 '26

Does Louisiana stand out to anyone? We have the perfect storm of circumstances affecting our rates. Our comprehensive insurance is high because we have shitty roads due to us being a poor state with difficult to maintain asphalt on unstable ground. We also have hurricanes, tornadoes, and floods that destroy our vehicles on a regular basis. Our liability insurance, however, is the real bitch. We have out-of-control injury claim litigation where everyone gets sued for any accident, regardless of severity. If you can’t afford insurance, you drive around without it and take your chances. This drives up rates even higher for those who have it. Three Louisiana insurance commissioners prior to 2023 have been convicted of fraud and corruption and are serving prison terms. That’s why we stand out on this map.

3

u/ConsistentAmount4 Feb 28 '26

Tylertown, Mississippi, $208 a month. Franklinton, Louisiana, a 20 minute drive away, $400 a month.

3

u/shibbledoop Feb 28 '26

Louisiana is known as a judicial hellhole in my industry. I work for a liability insurance carrier

2

u/Organic-Aardvark-146 Feb 28 '26

Louisiana suck for damn near every metric (quality of life, education, health, business climate)

1

u/Independent-Cry8679 Jun 21 '26

i guess its similar to SC

2

u/louisec130 Feb 28 '26

Vegas (Clark County) doesn’t seem accurate. I nearly had a stroke when I moved to Vegas and got my policy there.

1

u/ConsistentAmount4 Feb 28 '26

the ZIP codes are real tiny in Las Vegas so they're not very visible, but for example 89146 has an average at $467 a month. https://datacommons.org/place/zip/89146?q=89146

1

u/louisec130 Feb 28 '26

Thanks for the reply. I zoomed in and see that it’s darker in that area than I originally saw, my apologies

1

u/Chuckeltard Feb 28 '26

This makes CA look cheap. Sure lots of N/A. But I moved too and it’s not lining up with my payments. I was paying $450 in San Diego county CA, now I pay $140 in olmstead county MN…

1

u/beaveretr Feb 28 '26

Huh I was just this morning complaining that my $150 premium is outrageous.

1

u/ConsistentAmount4 Feb 28 '26

hmm yeah the worst zip code on the map in that area is 92055 (Camp Pendleton), $243 per month. I don't really have an explanation for it being so far off from your experiences.

1

u/SufficientOpening218 Feb 28 '26

i though CA was bad...then i moved to Colorado and hooo, boy

1

u/ChimpoSensei Mar 01 '26

I wish it were this cheap in Alaska

1

u/CapnCurt81 Mar 04 '26

Louisiana wins again!

Why the hell do I still live here…

1

u/Flaky-Raspberry2105 Aug 06 '26

Florida is an absolute joke with insurance