Location of Vehicle Premium Factor

Insurance rates are determined based upon your likelihood that you'll file a claim.

Typically states with higher population densities will pay more for insurance than states that are more sparsely populated. The reason for this is that the more people that live in a given area, the more cars and congestion and the greater chance of having an accident. It also matters whether you live in the city or a suburb.

Some states have passed legislation wherein insurance companies cannot charge more because you live in one area or another.