The GeoKit gem sounds like a good fit for what you'd like to do.
It abstracts away the interfaces to various geocoding services (Yahoo, Google, etc) and provides code for distance calculations.
You can geocode the zips to get locations, access address information about the location, and calculate the distances between your locations.
Here's the quick start, shameless copied from the linked page, just to give you an idea of how the library works:
irb> require 'rubygems'
irb> require 'geokit'
irb> a=Geokit::Geocoders::YahooGeocoder.geocode '140 Market St, San Francisco, CA'
irb> a.ll
=> 37.79363,-122.396116
irb> b=Geokit::Geocoders::YahooGeocoder.geocode '789 Geary St, San Francisco, CA'
irb> b.ll
=> 37.786217,-122.41619
irb> a.distance_to(b)
=> 1.21120007413626
irb> a.heading_to(b)
=> 244.959832435678
irb(main):006:0> c=a.midpoint_to(b) # what's halfway from a to b?
irb> c.ll
=> "37.7899239257175,-122.406153503469"
irb(main):008:0> d=c.endpoint(90,10) # what's 10 miles to the east of c?
irb> d.ll
=> "37.7897825005142,-122.223214776155"