If you live in a state where auto accidents are at an all time high, you'll more than likely have to pay a higher insurance premium. For example, if you live in California or New York, your auto insurance rates will be much higher than someone who lives in Macon, Georgia. If you have a clean driving record, this may not seem fair. The main reason why car insurance companies charge higher rates in certain states is because their statistics show that they're much more likely to receive a claim for insurance in those states, and that the average insurance claim size is larger. So, they need to be compensated for the money they spend on paying out insurance settlements and other related car accident fees. Also, if you live in a high-risk area were vandalism and thefts occur, you will more than likely have to pay higher auto insurance rates.
