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Are insurance rates different in different states?

Discussion in 'Ask An Owner Operator' started by joseph1853, Apr 16, 2021.

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  1. Apr 16, 2021 #1
    joseph1853

    joseph1853 Road Train Member

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    I'm still trying to figure out how to get my insurance quote received recently down. I live in Texas and talked to someone the other day and they said living in Texas could be the reason why my insurance quote was so high. Is this what you've experienced also. I mean is this a thing? I'm assuming it is but just want clarification on the matter from others who have had a possible similar experience.
     
    joseph1853, Apr 16, 2021
    joseph1853, Apr 16, 2021
    #1
    Orange713 Thanks this.
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  3. Apr 16, 2021 #2
    TallJoe

    TallJoe Road Train Member

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    Yes. Different states, different rates.
    Could be quite different too.
     
    TallJoe, Apr 16, 2021
    TallJoe, Apr 16, 2021
    #2
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  4. Apr 16, 2021 #3
    joseph1853

    joseph1853 Road Train Member

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    I just got another quote from a broker here in texas. 32,000.. that's with 1 ticket and 1 accident. I wonder what the rates are in Arkansas? My grandmother lives there and I might be able to use her address or something along those lines. I've got to figure out some way to lower this. Over 2000 dollars a month for insurance is ridiculous, to say the least.
     
    joseph1853, Apr 16, 2021
    joseph1853, Apr 16, 2021
    #3
  5. Apr 16, 2021 #4
    Brettj3876

    Brettj3876 Road Train Member

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    Not til both of those come off. That accident is really the reason
     
    Brettj3876, Apr 16, 2021
    Brettj3876, Apr 16, 2021
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  7. Apr 16, 2021 #5
    Slowpoke KW

    Slowpoke KW Road Train Member

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    The state you live in, where in said state, where you park the equipment, where you run, what trailer you pull, credit score, years of experience, years of owning a truck, owning a home vs rent, how long you’ve been there, personal vehicle coverage and some other things I can’t think of at the moment also play a factor in insurance rates according to my agent
     
    Slowpoke KW, Apr 16, 2021
    Slowpoke KW, Apr 16, 2021
    #5
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  8. Apr 16, 2021 #6
    Orange713

    Orange713 Medium Load Member

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    Texas and Louisiana will be highest rates on the country due to oil field accidents I was told.
     
    Orange713, Apr 16, 2021
    Orange713, Apr 16, 2021
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  9. Apr 17, 2021 #7
    RunningAces

    RunningAces Road Train Member

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    Driving through the midland/odessa area I can understand it.
    I live in BFE TN and have great credit. My 1st year through progressive was about 10-11000(I forget the exact number), after I added on general liability.
     
    RunningAces, Apr 17, 2021
    RunningAces, Apr 17, 2021
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  10. Apr 17, 2021 #8
    Orange713

    Orange713 Medium Load Member

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    I have a buddy who just got his numbers and it’s 19.5k. That’s based out of Houston Texas with great credit.
     
    Orange713, Apr 17, 2021
    Orange713, Apr 17, 2021
    #8
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  11. Apr 17, 2021 #9
    joseph1853

    joseph1853 Road Train Member

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    Did he mention whether or not he had any accident or tickets on his record within the last 3 years?
     
    joseph1853, Apr 17, 2021
    joseph1853, Apr 17, 2021
    #9
  12. Apr 17, 2021 #10
    Orange713

    Orange713 Medium Load Member

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    Nothing clean record. Also thru progressive
     
    Orange713, Apr 17, 2021
    Orange713, Apr 17, 2021
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