Car insurance is a necessary expense for drivers, but the cost can vary significantly depending on several factors. One factor that can have a surprising impact on your premium is your zip code.

CarInsurance.com's analysis highlights the sharp divide between the most and least expensive U.S. cities for car insurance.

The average American pays $2,671 per year for full coverage car insurance — up $25 a month since October, according to Bankrate. But with insurance rates climbing 12% from a year ago and tariffs ...