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State laws and claims rates can also have a significant impact. When I moved from San Antonio, TX to Alexandria, VA my insurance dropped by about 40% for the same vehicles.
At that time (2012) Texas had very loose laws about keeping liability insurance on vehicles, which led to a lot of uninsured drivers. I assume that was one of the factors. The irony is that I now had to drive in DC metro traffic, which was way crazier than anything in San Antonio.
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