What States Have The Highest Car Insurance Rates - For our Udacity Capstone project, we were asked to improve the visualization in an existing article. I chose the following image from the MakeverMonday website below:
I have a data story called "Do you live in the state with the highest auto insurance rates?" The blog is designed to enable you to easily find the answer to the question and gain some other valuable knowledge.
What States Have The Highest Car Insurance Rates
The title of the data story is more effective than the original visualization because it asks a question that directly addresses the reader on a topic that every car owner should know: the cost of insuring their car!
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While the graphs in Data Story aren't nearly as pretty as the original visualizations, they're more effective because they allow readers to (1) quickly find the answer to a blog question for minimum and full insurance policies, (2) easily compare their state's rates to other states for minimum and full coverage, and (3) Check their state rates and U.S. rates for minimum and full coverage. Understand the real price difference between the medians
ValuePenguin used Quadrant Information Services in the analysis, which obtained data from insurers' returns publicly. While there is always the possibility of inaccuracy in publicly obtained data, ValuePenguin's data methods and requirements (described below) resulted in a consistent, highly comparable insurance rate data set for all 50 states and Washington DC.
It is important to recognize that the average minimum and full coverage rates were based on a specific type of driver and car (a 30-year-old male driving a 2015 Honda Civic EX). This provides a good basis for comparing rates between states, but each individual's insurance policy will certainly differ from these rates based on age, credit history, driving history and the type of car they drive. As they say, this data should be used for comparative purposes and rates may vary from person to person.
Although 51 insurance companies were included in the analysis, insurance company rates were included in our company list if their policies were available in at least five states.
The Most Expensive State For Car Insurance — Plus What It Costs In Every State
The base driver was a 30-year-old male driving a 2015 Honda Civic EX, and quotes were drawn from all available zip codes in each state. According to our data source, Quadrant Information Services. According to Cost of Living and Auto Insurance, drivers profiled for having no credit history were equated to drivers with less-than-ideal to bad credit. We often compare the affordability of different cities with a clear focus on house prices and rents. This week at City Observatory, we're interested in the role insurance plays in the cost of living in metropolitan areas. Location has a big impact on how much consumers pay to insure their property. A driver in Detroit may pay thousands of dollars more to insure his car than a driver in Chicago. why Here, we examine the remarkable variation in auto insurance among the largest metropolitan areas in the United States and examine the reasons for these differences.
We found that Detroit, New Orleans, and Miami have the highest annual auto insurance rates, and the metropolitan areas vary widely. Ethnic demographics and state insurance are major players in this variation. Millions of Americans drive their cars every day. A car-dependent society also depends on car insurance. Rates can put a big dent in your wallet every year, and where you live can be a factor.
Cost of Living and Homeowners Insurance. The effects of climate change on our built environment have increased in recent years. Catastrophe payouts from reinsurers, the companies that provide insurance to insurers, were the fifth highest on record last year. As the world becomes more volatile, homeowners insurance rates will adjust accordingly. In this piece, we examine how homeowner's insurance rates vary across the largest metropolitan areas in the United States and how these rates contribute to the overall cost of living. What we found: Miami, New Orleans and Oklahoma City had the highest rates, while California's five metro areas had the lowest rates.
The threat of severe weather in southern cities appears to be driving up homeowner's insurance rates. As a result, insurance rates in generally affordable metro areas like Oklahoma City and Memphis tend to raise the overall cost of living, possibly more than lower rents. Homeowners insurance rates vary significantly among metropolitan areas. Going forward, the cost of insuring your home could significantly affect the overall cost of living in disaster-prone metropolitan areas as we experience the effects of climate change. When the risk of severe weather increases, so will the role of insurance.
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1. Considering Vancouver Mileage Fees. No urban center in the United States has implemented a comprehensive pricing system that charges vehicles for street use. Vancouver, BC may be the first. In 2018, regional transport authority TransLink conducted a survey on mobility costs. What they found in Metro Vancouver included "greater travel time reliability, less traffic and potential reductions in transit costs." Last November, the city launched a $1.5 million survey of mobility costs. While a politically challenging solution, mobility pricing appears to be a good policy tool for reducing greenhouse gas emissions and promoting alternative transport options. Vancouver is aiming to reduce traffic congestion and improve its carbon footprint in hopes of becoming Canada's greenest city. If they really want that title, charging the vehicles for on-road use could be an effective solution.
2. Colorado Greenhouse Gas Budget for Road Network? Colorado Public Radio reports that the Colorado Department of Transportation (CDOT) has published a rule linking future investments in the transportation system to progress toward meeting state-adopted goals for reducing greenhouse gas emissions. On the face of it, this seems like a big step in the right direction: If the Colorado region fails to make progress toward its greenhouse gas emissions reduction goals, it will have to shift its spending measures to support public transit, walking, and biking. and emphasis on road capacity. There is a strong parallel here with the Clean Air Act, which restricts highway construction in areas that fail to meet national air quality standards. Broadly speaking, the rules do this, but with one important asterisk: They assume the state will make heroic progress in electric vehicle adoption. It would be interesting to know what happens, if the adoption of electric vehicles fails to meet the state's most optimistic assumptions? As always with policies, and climate policy in particular, the devil is in the details.
3.Interview with Courtney Cobbs: Issues of equity and sustainability are deeply woven into transportation systems in the United States. Courtney Cobb, co-editor of Streetsblog Chicago, writes about the intersection of these issues and efforts to improve transportation in Chicago. Here she answers questions about sustainable transportation in the Windy City. Cobb explains the city's lack of attention to transportation and the need for better bus and bike infrastructure. Asked what she might do to redesign Chicago's transportation system, she says, "Most of our buses will have right-of-way. So they'll have their own dedicated lane, right-of-way where the lights change. On the bus side. Advocate for the future and Chicago's transportation system." She shares her vision for how to integrate equitable solutions. Cobb gives a candid interview about the current state of transportation in Chicago, the improvements it needs, and where it can change.
Sproul v. Mid-Rise Vs. High Rise: Which is Best for Weather? A new article claiming that mid-rise buildings (3-8 stories) are a climate-friendly "sweet spot" for urban development has gotten a lot of attention in the past week. The claim is that – Goldilocks style – neither low-density nor high-density development is optimal for emissions building, but mid-rise development is "just right".
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The paper, published in Nature's Urban Sustainability, looks at the lifecycle greenhouse gas emissions associated with building and operating buildings, particularly residential buildings. It creates a series of different urban form models with data calibrated from real cities.
However, the finding comes with a big asterisk: the study only looked at building-related energy use and not transportation energy. Transport is a larger source of greenhouse gas emissions than construction activities, and in addition, development patterns and land use density have a large impact on transport use and thus on greenhouse gas emissions and energy use. Expanded developmental patterns lead to more car ownership, more driving, less walking, and less efficient transportation. A serious flaw in this study is the omission of traffic emissions.
The study cites Paris as a model of "middle-rise" development, as opposed to a high-rise city like New York. Few cities even meet the Parisian density level or transit capacity, meaning a bit of a "high rise vs. middle school" toll. Perhaps more importantly, Paris Mayor Anne Hidalgo has called for reducing car traffic, encouraging bicycling and 15-minute residential commutes. Given the task of promoting programs, this high level of density is a cornerstone for achieving significant reductions in transport-related greenhouse gases.
Pomponi, F., Saint,
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