{"dataset":"How Much Your ZIP Code Moves Your Car-Insurance Rate (Filed Territory Factors)","description":"Filed geographic (territory / ZIP) rating factors from carrier SERFF filings — the priciest vs cheapest bodily-injury territory factor within each carrier-state. Within-carrier-state only; never a cross-carrier merge.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com), verified against the source PDF","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/why-your-zip-changes-car-insurance","pressContact":"press@fastautoquote.org","carriers":[{"carrier":"Nationwide","state":"PA","serffTracking":"NWPP-134410938","effectiveDate":"2026-03-12","coverage":"Bodily Injury","source":"Nationwide General Insurance, Pennsylvania — Territory Factor table, BI column (273 territory codes).","caveat":null,"spreadMultiple":7.60,"cheapest":{"territory":"690","factor":0.394},"priciest":{"territory":"610","factor":2.995},"samples":[{"territory":"690","factor":0.394},{"territory":"547","factor":0.582},{"territory":"527","factor":0.697},{"territory":"649","factor":1.225},{"territory":"610","factor":2.995}]},{"carrier":"Mercury","state":"TX","serffTracking":"MERY-134769395","effectiveDate":"2026-03-27","coverage":"Bodily Injury","source":"Mercury County Mutual, Texas — Zip Code Factor table, BI column (2,056 ZIP rows).","caveat":null,"spreadMultiple":4.35,"cheapest":{"territory":"79005","factor":0.40},"priciest":{"territory":"78852","factor":1.74},"samples":[{"territory":"79005","factor":0.40},{"territory":"75020","factor":0.70},{"territory":"75001","factor":0.96},{"territory":"75042","factor":1.14},{"territory":"78542","factor":1.71},{"territory":"78852","factor":1.74}]},{"carrier":"GEICO","state":"VA","serffTracking":"GECC-134876961","effectiveDate":"2026-04-15","coverage":"Bodily Injury","source":"GEICO Government Employees, Virginia — Territory Factors, BI column (no-telematics reference).","caveat":null,"spreadMultiple":2.60,"cheapest":{"territory":"312","factor":0.614},"priciest":{"territory":"213","factor":1.594},"samples":[{"territory":"312","factor":0.614},{"territory":"301","factor":0.627},{"territory":"107","factor":0.793},{"territory":"101","factor":0.905},{"territory":"204","factor":1.300},{"territory":"217","factor":1.480},{"territory":"213","factor":1.594}]},{"carrier":"USAA","state":"AZ","serffTracking":"USAA-134755352","effectiveDate":"2026-05-08","coverage":"Bodily Injury","source":"USAA, Arizona — Bodily Injury territory relativity table.","caveat":null,"spreadMultiple":2.30,"cheapest":{"territory":"220","factor":0.6164},"priciest":{"territory":"292","factor":1.4151},"samples":[{"territory":"220","factor":0.6164},{"territory":"205","factor":0.6573},{"territory":"218","factor":0.6776},{"territory":"250","factor":1.0391},{"territory":"295","factor":1.3543},{"territory":"292","factor":1.4151}]}]}