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Car Insurance Rates

The area of the country or even the city can play an important part in your car insurance costs. There are certain criteria insurance companies employ to determine your insurance cost based on the part of the country you live.

The amount on the policy included at least liability minimum coverage and other state minimum cover, such as Personal Injury Protection, Uninsured Motorist Protection, and Medical Payments Coverage.

Statistics may or may not have included comprehensive or collision cover. Other primary reasons are the changing weather conditions. Insurance companies are not implying if there is a lot of winter storms, for example, but the how weather conditions affect the roads your drive on.

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Where you live

If you live in Maine, for instance, you’ll face harsh winters which lead to damaged and cracked roads and damp conditions. Compare that to a driver who resides in the State of Arizona? Compare auto insurance by states here.

In the southwest, vehicles need to deal with heat, dry conditions, and sometimes sand. If you take a look at the rates if your zip code is in the Nags Head, North Carolina then you will find out the rates are much higher then if the driver resided in an area of the state fifty miles from the coast.

Auto insurance rates can change significantly in a nice climate in contrast to one with more risks. There are some factors where you are able to mitigate or lower your monthly premium.

On the other hand, there are factors which you cannot control, such as your age, past driving history, or whether you are male or female. You want to be sure you compare different insurers as the determining factors are weighed differently from company to company.

Minimum Liability Car Insurance Coverage State by State

StateLiability Limits
(in thousands of dollars)
Uninsured Motorist Coverage Required?
Alabama25/50/25No
Alaska50/100/25
No
Arizona15/30/10No
Arkansas25/50/25No
California15/30/5No
Colorado25/50/15No
Connecticut20/40/10Yes
Delaware15/30/10No
Florida10/20/10No
Georgia25/50/25No
Hawaii20/40/10No
Idaho25/50/15No
Illinois20/40/15No
Indiana25/50/10No
Iowa20/40/15No
Kansas25/50/10Yes
Kentucky25/50/10No
Louisiana15/30/25No
Maine50/100/25Yes
Maryland30/60/15Yes
Massachusetts
20/40/5Yes
Michigan20/40/10No
Minnesota30/60/10Yes
Mississippi25/50/25No
Missouri25/50/10Yes
Montana25/50/10No
Nebraska25/50/25No
Nevada15/30/10No
New Hampshire25/50/25Yes
New Jersey15/30/5Yes
New Mexico
25/50/10No
New York25/50/10Yes
North Carolina
30/60/25Yes
North Dakota25/50/25Yes
Ohio25/50/25No
Oklahoma25/50/25No
Oregon25/50/20Yes
Pennsylvania15/30/5No
Rhode Island
25/50/25No
South Carolina
25/50/25No
South Dakota25/50/25Yes
Tennessee25/50/15No
Texas30/60/25No
Utah25/65/15No
Vermont25/50/10Yes
Virginia25/50/20Yes
Washington25/50/10No
Washington D.C.25/50/10Yes
West Virginia
20/40/10Yes
Wisconsin25/50/10Yes
Wyoming25/50/20No

Credit scores and crime

For example, if your credit score is low, but you have a good driving record an insurance company may weight the credit score more than your driving record. Another company may weight your driving record more than your credit score.

This is why it is paramount to compare and never assume each insurer will give you the same rate.

Another item which influences your car insurance rates is the level of crime in the are you reside. Areas with low crime rates will have lower auto insurance rates compared to areas with high rates of crime.

The premise behind this is the insurance company is forecasting how much damage will happen to your car and allots a percentage based on the chance the insurance company is going to take.

Top ten most expensive states to insure your vehicle:

 Credit statistics iii.org (2013) Click on link to get state minimum or local agents

If your car is in a safe area then the car insurance company will be more comfortable with lowering your premiums since there is a lower possibility that your car will be stolen or broken into.

If your car is located in an area with high crime your premium will go up to provide compensation for the probability that your car will be stolen or damage in an area of high crime.

If you use similar logic, a nice luxury vehicle will have higher auto insurance rates in a high crime area since such cars are more enticing and a larger target for potential car jackers.

An easy way to mitigate away higher rates is to let your agent know you park your vehicle in secure parking when at work and in the garage when at home and never on the street.

Location and automobile insurance rates are more interlinked than people realize. If you would like to make sure that you are getting a good deal you may want to do your research of the area you live before purchasing a new vehicle.

The best thing to do is to look into what kind of crime is in the area your reside. Also, if the area you live has harsh winters then you may have to pay a higher premium to fully protect your vehicle.

Many dispute the fact that insurance companies use the location of the country to determine auto insurance rates. However, you have the choice to live where you would like and insurance companies have to make absolutely certain they are able to protect drivers.

It is important to remember that each insurance company has their own way to determine risk; therefore it is wise to get quotes from different insurers to be sure you have the lowest possible rate.

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