PHOENIX (3TV/CBS5) -- Has your car insurance gone up? If you live in Phoenix, you are not alone. Car insurance rates went up nearly 3 percent in the past year.

Lynn Vanfossan is like a lot of Arizona drivers who just had their auto insurance premiums go up again.

"If I'm going out and getting into accidents every day, or every week then yeah - my rates should go up," she said. "But if I'm a safe driver and haven't had any accidents on my record, I think I should benefit from that."

According to The Zebra, an insurance search engine, that is an increase of 26.9 percent since 2011, with the Phoenix metro area hovering near the top.

According to insurance experts, there are several reasons Phoenix drivers pay more, including a booming population, more traffic congestion and accidents, and more distracted drivers.

But what drivers pay often varies depending on where they live.

The independent insurance search engine The Zebra just released its 2019 report that breaks down what drivers are paying based on ZIP code.

Here's a look at the Phoenix ZIP codes where you'll pay the most for car insurance.

- 85035 -- average premium of $1,758

- 85019 -- average premium of $1,797

- 85031 -- average premium of $1,800

- 85017 -- average premium of $1,833

- 85009 -- average premium of $1,836

American Family Insurance agent Jennifer Swenson said there are hundreds of factors that go into determining what someone pays for auto insurance.

Driving history. Credit score. Employment, Crime rate. Do you live near a dangerous intersection? The list goes on.

New technology has also impacted what drivers pay, Swenson said.

"Not only do we have technology with our phones that creates a major distraction for many of us when we're driving, but it also plays a factor into our vehicles - because when there is damage done to a vehicle, it costs a lot more to repair," she explained.

Here is a look at some of the ZIP codes with the cheapest auto insurance rates.

- 85248 in Chandler -- average premium of $1,295

- 85375 in Sun City West -- average premium of $1,255.

- 86315 in Prescott Valley -- average premium of $1,095.

The average annual premium in Phoenix is $1,401, which is still less than the national average of 1,470.

How much does car insurance cost in your zip code? Check our interactive map here


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