How does location affect car insurance?

I work from home now and have been saving up to buy a house. I realized that I could go anywhere because I work from home, and that's so exciting to me. While I'm figuring out my pros and cons list, I figured I'd also consider other fees. How does location affect car insurance?

Answer
Buying a house is exciting; congratulations on this big step! You’re right; your location will affect your insurance. Every state has differing minimum insurance requirements for their drivers.
For example, each state factors into their minimum insurance requirements the following:
All of these factors can change the amount you pay for insurance. More densley populated areas often have more accidents, which means higher premiums to help insurance companies account for the higher risk.
It’s also important to note that each state accounts for fault in an accident differently. No-fault states often require personal injury protection (PIP) because it helps cover injuries regardless of fault.
Once you start narrowing down where you want to move, gather quotes from multiple companies from each state. You can do this quickly and easily with the Jerry app. Jerry compares personalized quotes from top providers like Nationwide, Allstate, and Travelers, and delivers the best deals to your phone in minutes. The average Jerry driver saves $879 a year on car insurance!
Lauren Smith
Answered on Oct 28, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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