Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 11, 2020

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State Auto Insurance Rates

You will most likely find cheaper car insurance rates in Billings, Montana vs big cities like Los Angeles or New York even for the same make and model of a car since these areas have much higher rates of auto theft, vandalism and other events which lead to a higher risk of drivers filing a future claim.

However, statistics change frequently and car insurance companies adjust the formula for calculating auto insurance premiums often. Almost all states have minimum car insurance requirements so even just moving to another state with higher minimum requirements may automatically increase your premiums.

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