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.

Learn what a car insurance premium is, how it's calculated, and tips to reduce your costs. Discover ways to get the best car insurance rates.

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.