Reasons Your Auto Insurance Rates May Be Affected:

•The number of accident thefts.
•The cost to settle accident claims.
•The amount of car thefts.
•Estimates of the number of uninsured drivers.

Of course, individual drivers within an area will pay different rates depending upon other circumstances like their age, personal driving history, and even the type of car on the policy. But given identical drivers, rates in a small town in Iowa will probably be lower than those in New York City or Los Angeles.