Factors that affect rates:
- Price of the unit
- Age of the unit
- State on residency and in some states, County of residency
- Coverages and exclusions
- deductibles
In general, state insurance laws control what can be offered in a particular state. The same insurance company will have different rates and/or coverages than in the state next door.
At one point in my life I held a securities license and a casualty license along with a life license, all in the state of Texas. Things could get very confusing within the same state much less between states. I have concluded that insurance is an enigma, shrouded in complexity, then clothed with confusion. I become highly skeptical of those who "know" with certainty. Lest ye be offended, the last comment was directed at no prior post. But if the shoe fits.......