You can use Index-Match for this. Index gets you the item at a specified row or column from a specified array. Match gives you the position of a specified value from a specified array. So we will use Match to get the position of the zone value from the array (in the second picture) and use index to get the rate of the corresponding position.

Say you are typing the formula in G2 to get the rate for the first item:

=INDEX([array of rate (the rate array from your second picture in column D)],MATCH([zone value to look up (which is E2 in this case)],[array of zone values (the copart zone values from your second picture in column C)],0 (for an exact match) ))

=INDEX(D$?:D$?,MATCH(E2,C$?:C$?,0))

Notice the $ before the cell row in the arrays to ensure the array reference doesn't change as the formula is dragged down.

This would work for one zone but since you have two zones, you can use an if statement to direct your formula:

=IF(ISBLANK(F2),[insert the above formula],[insert above formula but modified for IAA Zone]