What Factors Lead To Different Auto Insurance Rates In Different Provinces? 
Auto insurance rates ultimately reflect the experience that a company has . An insurance company can not be allowed to lose money because they will eventually go bankrupt and be unable to keep their promises . Insurance in the US is a state responsibility and it is the state commissioner that approves the rates and the way that the rate is determined . In my state , California , the electorate took over the matter of rating and greatly limited the factors that could be considered . Whoever approves rating plans in your province could provide specific information about the manner in which rates are determined . 