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khamai said:
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.
80% of New York State is quite rural as well, but my insurance in rural New York was twice what my insurance is here in the suburbs of DC even though my car in New York cost 30% of the price of my car here.

Insurance costs depend just as much on state regulations as they do on claims.

Weather, taxes, cost of repair, requirements to serve the risk pool, driver education, and other rules figure in as well.
 
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