Even my car insurance was cheaper on the west side of Sheridan Boulevard (Jefferson County) than on the east side (City and County of Denver)
I recently learned just how much car insurance can vary by where in the US you live.
In CA, I had Farmers for the last nearly 40 years, since I was 18. I have them for everything. I've never filed a claim with them, haven't been in an accident or had a ticket that didn't get wiped in traffic school in at least the last 20 years, so I have pretty much every discount you can get with them. When I shopped around in the past just for grins, nobody could beat them by more than 5% so it was never worth the hassle to switch. With all the above, for $500K full coverage on two vehicles, I was paying ~$2800/yr.
After moving to Idaho, I went to a Farmers agent here to get quotes, telling him I wanted the identical coverage. The quote he emailed me was $520. Thirty seconds after I got the email, I called and said, "Hey, it looks like you sent me the wrong quote." Nope. It was the right quote - $520 for both vehicles, same coverage as I had in CA (I triple checked the numbers). Car insurance is just insanely cheap here compared to what I'm used to. Apparently Idaho handles uninsured motorist stuff differently (and doesn't have as many uninsured motorists), and people here in general don't sue each other for $1 million because their Beemer got scratched, so car insurance rates are crazy low. My property and umbrella policies are only about 10% cheaper, so it seems to be mostly an auto thing.