Does Where You Live Affect Your Car Insurance Rates? 
Where you live can and does effect your auto insurance rates . Insurance companies base rates on experience in any given area . These would include but not limited to characteristics of drivers , types of vehicles and claims based on frequency and severity . Actuaries then determine rates according to any given area or areas . There are many misconceptions by consumers as to which area has a better rate vs. another . For example some may believe a city would have a higher rate vs. a rural area . However the fact may be that while a city has more frequency of accidents a rural area may have much more severe accidents due to road conditions and so on . While this is only an example this should give you an idea of how rating works . 