Where you live can have numerous effects on your auto insurance premium. Insurance rates vary by state, city, or even neighborhood. Some states have higher premiums than others due to requirements for minimum coverage, while others demand less for minimum coverage and therefore have lower premiums. Other factors that can affect your auto insurance premium include: Your city or town’s population density Weather, e.g., higher chance of flooding, earthquakes, etc. High crime rates Road conditions Building distance and density Age of area and home, e.g., heritage and/or un-renovated buildings, heating, etc. Emergency (fire, medical, and police) services Traffic conditions State and city laws on claims and insurance While Schield Insurance specializes in Colorado insurance laws, we can give you a fee quote for your auto insurance.