Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

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.

Your auto insurance rates aren't just about your driving record. Insurance companies also use your ZIP code to assess various risks like crash rates, theft, vandalism, and weather. This issue isn't ...