If you try to compare insurance rates by zip code, you will realize there is a dramatic difference in the average prices. The basic reason is each state uses a different set of factors to calculate the average car insurance cost.
When you compare auto insurance rates by zip code you will realize there is a major difference in the rates. Whenever you provide your ZIP code to the company they immediately check the crime rate in that area. The rate of stolen car cases, amount of claims, the harshness of the weather, and the cases of vandalism. And all these factors decide the quote of car insurance by state. If an area has a high crime rate and harsh weather then it will increase the risk hence high rates.
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