Why Is My Auto Insurance So Expensive? 
There are several reasons . The premium is set differently in different states . In California the causes could be a poor driving record , in particular a conviction for DUI . It could be the yr . make and model of your car , it could be the area in which you live , it could be the number of miles that your car travels each year and it could be the driving record of someone else in your household who is listed on your policy . 