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.

Car insurance is complicated, usually expensive, and, in many states, required by law. How do you pick an insurer with coverage that’s worth its price? To help drivers choose, we rated 36 providers.

Drivers with a history of accidents, speeding tickets or DUI convictions are charged some of the highest insurance rates of any demographic. For example, a single at-fault accident can spike your ...