What Factors Lead To Different Auto Insurance Rates In Different Provinces? 
Your questions refers to `` different provinces , '' but I would supposed you mean `` different states '' except you reside outside the United States of America . Now back to your question , Auto Insurance Rates are influenced by several factors in different states or localities . Among them is claims experience in that state or locality . If you are a single male aged 20 and live in lets say New York city and lets say 500,000 vehicles were involved in some sort of collision , theft or vandalism in 2014 and your college friend lives in some city in West Virginia where all you see is farm land and few cars . Total number of vehicles involved in any collision , theft or vandalism are 500 in 2014 . Then question that is posed is what is the probability of your vehicle being in a collision in West Virginia ? The answer is very low and as a result you pay low premium as compared to your friend who lives in New York . Insurance is all about probability . 