Cause labor is cheaper in Nevada, people drive cheaper cars and there are less cars in Nevada on the road in general, so you are less likely to get into an accident. These are just the top reasons off the top of my head.

Also could be less fraud, smaller average liability claims, lower costs of litigation, etc.

Less rain and snow as well

Same for me when I moved to Arizona. California doesn’t let insurers use credit rates to price insurance, but Arizona does.

Thank god. I honestly sat here and tried and can’t think of a more regressive barrier to transportation.