<prompt> Human: I was on an auto insurance policy with my parents on Allstate after I bought my car from them at KBB value. Their names remained on the title. After finding a minor problem that would take thousands to fix, I decided to list the car on Craigslist, got a ludicrous cash offer that was more than twice what I paid for it in May. My parents were frustrated about it but they eventually signed the title over I dont want to get into a whole thing about my parents. I have an alt account for that, on different subs.x200B;Then I had to find a new car. My parents decided they didnt want to deal with changing the policy so I had to get my own as a 20 year old male sigh. I signed up for it online in the dealership while I was buying the car. Dont tell me dealerships are a faux pa, they were liquidating this car and screwed up the online ad price with their salesperson so I got it at 10 below Edmunds. I practically stole it. The best for this car was about 90month with Geico. x200B;Well, I moved recently. Now its 120month. My credit score is 780, my driving record is clean, no claims on any insurance, no lapses in coverage, I drive a low-risk 2010 model car with a clean title, clean Carfax, known reliability, and all the safety features. But moving to a new city raised my rate 30.x200B;So being a lurker here, I did the smart thing and went to other agencies for quotes. Progressive was 170. Allstate was 220. State Farm, Esurance, Farmers, and a few others were 280290. A month. How absurd a change is this? I get it, my demographics are high risk, but theres no reason it should be this high.x200B;Whats going on? How do I get a lower rate?Assistant: I get it, my demographics are high risk,Which obviously includes the zip code you moved to. but theres no reason it should be this high.Every insurance company that you contacted have actuaries that disagree with this assessment. What makes you think you know more than people who do this for a living?Human: Is it normal for actuaries to triple your rate for moving from a college town to a metro area? Assistant: Depending on from where to where, yes.The actuaries dont change the rates. They create the risk tables that the company operates on.Human: Okay. So those risk tables say that I should pay triple, with no change in coverage. That doesnt seem right to me. It seems more like a moving violation would hike rates up to this level, not changing addresses.  <response>: That doesnt seem right to me.Welcome to adulthood. I can move literally across the river I can see from my house and have my rates triple.Now you know to get quotes on this kind of thing first to be sure you can actually afford the new reality of your expenses after a move. 