Different rates with new zip code?

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

Answer
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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Jackie Whalen
Answered on Mar 12, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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