Does the weather really impact the cost of my insurance?

What does weather have to do with my insurance? I was speaking with my State Farm agent the other day and he said that one of the factors that impact insurance rates is the weather. I live in Mississippi and it tends to be hot here all the time.

Answer provided by
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Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Your State Farm agent is correct.
Weather can play a part in the rate of your policy, more specifically, from accidents that result from the weather in a certain area.
Mississippi is well known for its catfish, bluegrass music, heat, and rain.
It rains in Mississippi year-round and, believe it or not, rain is the most dangerous condition to drive in, even more dangerous than snow.
Mississippi is also ranked as the most dangerous state to drive in while it’s raining. This is because of:
  • low visibility during a heavy rainfall
  • slick roads
  • easy hydroplaning
Keep this in mind on rainy days and drive slowly to avoid deep water. If the water is too high to see the lane markings on the road, it isn’t safe to drive in.”
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