How Your Location Affects Your Car Insurance Rates
Where you live in the country will determine your car insurance rates
As we have talked about many times before on this site, insurance companies base their car insurance rates off a number of different factors. Some you have control over, like your driving record, and some you just don’t. One of the biggest factors that you have no control over is the area that you live in.
Insurance companies use statistics to chart the factors that would eventually lead to claims in geographical areas. The higher the chance that a vehicle in a certain location would have a claim reported on it, the higher the car insurance rate will be for that area. So, unless you want to contact every insurance company in the nation to find out where they charge the cheapest rates and then move there; you really have no control over this.
What Increases Car Insurance Rates in a Location?
All of these situations and factors come into play when an insurance company is setting the car insurance rates for a certain area. They then have to submit a request for the rate to be approved by the Department of Insurance or Insurance Commissioner in the state they are setting the car insurance rates in. Until these rates are approved, they cannot begin to use them.
Even so, the people that live in these cities most likely pay higher car insurance rates than a person living somewhere else.
- Fort Lauderdale, FL.
- Orlando, FL.
- Augusta-Richmond, GA.
- Little Rock, AR.
- San Bernardino, Ca.
- Salt Lake City, UT.
- Chattanooga, TN.
- Jackson, MS.
- Memphis, TN.
- Lubbock, TX.
- Jacksonville, FL.
- St. Petersburg, FL.
- Tulsa, OK.
- Birmingham, AL.
- Oklahoma, OK.
Does anyone else notice that there is one state in particular that makes a repeat appearance multiple times on this list? To think, I’ve always been worried about driving in Southern California.
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