Why Car Insurance Quotes differ across the states?

If you have taken your time to shop around for car insurance then you have probably noticed that the same set of coverage for the same car will have different quotes across different states. It's a fact that quotes differ significantly across the states and if in some places car insurance can be pretty cheap in nearby states it can cost you way more. But do not feel discriminated if you're from a state with more expensive car insurance. It's not the way insurance companies choose to set their rates, it depends on a set of factors within each state.

Firs of all, you probably know that each state has minimum limits on bodily injury and property damage coverage that any policy should meet in order to be valid. These limits differ from state to state and sometimes the difference can be two or three times between two different states. This is explained by different repair and medical costs that an average policy has to meet. And if your policy carries more coverage your rates will be higher respectively.

And as the medical, repair and legal costs are different across the states, it’s logic that all other types of insurance coverage will cost differently. That's why car insurance quotes are so sensitive to the state where the car is registered. Adding up additional factors such as local accident statistics and theft rates we get the overall difference in car insurance quotes that can be quite pronounced across the states.

And as the medical, repair and legal costs are different across the states, it’s logic that all other types of insurance coverage will cost differently. That's why car insurance quotes are so sensitive to the state where the car is registered. Adding up additional factors such as local accident statistics and theft rates we get the overall difference in car insurance quotes that can be quite pronounced across the states.