Different rates with new zip code?

Answered by Home Insurance, Car Insurance Expert Jackie on December 24, 2020

I recently moved to a different town in my same state. Can my car insurance company raise my rates based on my new zip code?

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Home Insurance, Car Insurance Expert

I hate to be the bearer of bad news, but yes, they can raise your rates depending on your zip code. Car insurance companies look at your driving history, credit, and claims, but they also look at where you live.

Different areas have different crime rates. Car theft and vandalism are typically worse in urban areas as opposed to suburban or rural areas, just because there are more people. Additionally, you are more likely to get into a car accident in an urban area. If you live in a place like New York City, for example, you will definitely pay more for car insurance than if you live in a rural area in Montana. Conversely, your rates can drop if you move to a zip code where there are lower rates of accidents, theft, and vandalism.

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