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Typically auto insurance rates are higher in metro areas.

In CA there's 4 major pop areas, SF Bay Area, LA basin, San Diego & Sacto. The rest of the state has quite a few residents, but it's rural.

Looking at the list the top 10 list, 7 of them are high density states with little rural pop. But, then there's AZ, NV & LA... Perhaps for them there's so little population/drivers outside the major metros the average is skewed. I can't explain those. :confused:
 
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