Because the People's Republic of ASSachusetts is the only state in the entire country where the government sets the insurance rates. There is NO COMPETITION on rates in ASSachusetts and car insurance can be had through one of two state-approved carriers. Next time you're watching TV and see a commercial for an insurance company like Geico or State Farm, take note of the restrictions displayed at the bottom of the screen: Massachusetts residents need not apply.
ALSO
ASSachusetts bases their state-determined insurance rates on the number of accidents that occur within a city's borders and rank them on a number scale from 1 to 15; 1 being the best and 15 being the worst. So regardless of what type of driver a person may actually be, the town they live in has as much to do with the amount they pay as their driving record. Me and DF live in $h! towns (Lowell and Lawrence, respectively) filled with $h!bag illegal immigrants that drive around with no licenses and no insurance and cause all sorts of accidents, so both of our cities are ranked as #15 cities. So while we pay exorbitant rates, all of the surrounding towns that legislate the bad people into our cities by shooting down plans for low-income housing at town meetings are ranked around 2 to 4 and pay literally about half as much, sometimes even less.
Sounds very fair, doesn't it?
We're also the only state in the country that requires State Police details at every single construction site in the state at a cost of $40 per hour overtime pay as stipulated in their contract. That's why there were over a hundred State Police officers that made more than the governor's $140,000 salary last year with a base salary of only $49,000 to $61,000 (based on rank and seniority). And you know what? These figures don't even include the overtime pay they are also eligible for at Turnpike Authority details and Port Authority details. That's triple dipping! Supposedly the reason for these State Police details is because the protection they offer at sites could never be matched by using a flagman like the other 49 states in the country do. Interesting to note that a study done by Suffolk University found that at these construction details monitored by State Police, when accident data was compared with accident data from details in every other state in the country that were watched by the lowly $12 an hour flagmen, ASSachusetts ranked the HIGHEST IN THE COUNTRY in property damage and second highest in bodily injury. So at least the extra policing we taxpayers are forced to pay for is helping to keep insurance rates down.
And people wonder why it's the only state in the country with a declining population!
So you answer me this: Why WOULDN'T it be so high if every f@#king thing this state does ends up being the most expensive disaster somebody could ever conjur up?