Why Does Postcode Affect Car Insurance? 
Great question ! The zip code or post code is used by the insurance company to assess the risk for where you live . Some places have higher instances of auto theft , accidents , or uninsured motorists , and insurance rates in those areas will reflect that in higher rates . The opposite is true - if the area is quiet , low crime and low accident rate , your risk is assumed to be lower , and as a result so will your rates . If you need more information , please do n't hesitate to contact me , I 'm happy to help . Thanks for asking ! 